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AXA Equitable Unveils Crossings(SM): My Lifetime IRA(SM)
Date:4/1/2008

come base and the GAP can increase, but will never decrease, even if the account balance goes to zero due to poor investment performance. The only way the GAP and income base will be reduced is if the owner makes a withdrawal from the account balance in excess of the guaranteed annual payment in a contract year.

The Crossings(SM) variable annuity has fees which cover mortality and expense (M&E) charges, guaranteed withdrawal benefits and investment management fees. A withdrawal charge of 2% will apply to excess withdrawals during the first three contract years, and, if taken prior to age 59 1/2, a 10% federal income tax penalty may apply.

This is not a complete description of all material provisions of the annuity contract. Annuities have limitations. For costs and complete details, contact a financial professional.

All guarantees discussed are subject to the claims-paying ability of AXA Equitable Life Insurance Company. The guarantees do not apply to the investment portfolios.

Please also consider the charges, risks, expenses and investment objectives of Crossings(SM): My Lifetime IRA(SM) carefully before investing. For a prospectus containing this and other information, please call the company at 212-314-4181. Read it carefully before you invest or send money.

This press release was prepared to support the promotion and marketing of AXA Equitable variable annuities and is not intended as legal or tax advice. Any tax statements contained herein were not intended or written to be used, and cannot be used, for the purpose of avoiding U.S. federal, state or local tax penalties. You should seek advice based on your particular circumstances from an independent tax or legal advisor.

Neither AXA Equitable nor AXA Advisors, LLC provides tax or legal advice. You should consult with your own tax and/or legal advisor before investing.

Crossings(SM): My Lifetime IRA(SM) is a variable annuity contract issued by AXA Equitable Life
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SOURCE AXA Equitable Life Insurance Company
Copyright©2008 PR Newswire.
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