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AXA Equitable Meets the Needs of Two People under One Life Insurance Policy
Date:3/3/2008

NEW YORK, March 3 /PRNewswire-FirstCall/ -- Today AXA Equitable unveiled its new Athena Survivorship Universal Life(SM) III (Athena SUL III) insurance product, designed to deliver cost-effective death benefit protection to couples and business partners for their estate, business and charitable planning needs. By providing a death benefit upon the death of the surviving insured, Athena SUL III can be used to pay sizeable estate taxes and other expenses. Athena SUL III introduces a new Preferred Plus underwriting class and, for an additional charge, offers policyholders an optional Lapse Protection Rider (LPR) that guarantees the policy premium against fluctuations in interest crediting rates or increases in policy charges, as long as certain requirements are met. "Adding Athena SUL III to AXA Equitable's product portfolio," said Claude Methot, Senior Vice President and Chief Product Officer, who made today's announcement, "ensures that we're providing a wide range of solutions to meet every life insurance need, from a business' key person protection to a couple's wealth transfer."

Two People. Many Needs.

Any two people may have different reasons for needing joint coverage under a survivorship universal life insurance policy. Athena SUL III is designed to meet these many needs, including:

-- Wealthy married couples who desire competitively-priced guaranteed

death benefit coverage for estate liquidity or other wealth transfer

purposes.

-- Married couples who desire to use life insurance to make leveraged

charitable bequests.

-- Businesses that have at least two owners or key employees and want to

take advantage of a cost-effective survivorship universal life policy

versus paying premiums on two single life policies and can afford to

wait on death benefit proceeds until the death of the surviving

insured.

-- Dual wage-earners who have a special-needs famil
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SOURCE AXA Equitable
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