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Protect and Grow Income

Retirement income is guaranteed for life based on the Treasury-tied roll-up rate on the Guaranteed Minimum Income Benefit (GMIB).

WHY DOES THIS MATTER?

WE'RE LIVING LONGER AND NEED TO PLAN FOR LONGER RETIREMENTS.

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Multi-Year Lock

Before taking income, the benefit base will earn these roll-up rates:

10-Year Treasury + 2.00%       OR

7%(for the initial lock-in period)1

4-8%to age 952

When taking income, the benefit base will earn the higher of these
roll-up rates:

10-Year Treasury + 1.00%       OR

5.5%(for the initial lock-in period)1

4-8%to age 952

1. Retirement Cornerstone® Series B “Lock-in Rate” of 7% (Deferral) or 5.5% (Annual) is effective as of 8/6/18. See axa.com for updated rate information. Rates are declared on a quarterly basis and may change as frequently as monthly. For the “Lock” period, the Roll-Up Rate used is the higher of the lock-in rate or the “Treasury-tied rate.”

2. After the first seven years, the roll-up rate used is the "Treasury-tied rate.” The “Treasury-tied rate” will be equal to an average of the 10-year Treasury rates + 2.00% (10-year Treasury rate +1.00% after a withdrawal) and will be renewable on each contract anniversary. Early or excess withdrawals will adversely affect the benefit base

The Illustration above depicts the GMIB in the Retirement Cornerstone® Series B contract.