- Permanent protection
- Flexible premiums
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Sometimes our product features vary somewhat to align with different state insurance department requirements. To be sure we're giving you the most accurate information, please select your state of residence from the menu above.
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1 Coverage is guaranteed to the lesser of 40 years or to age 90, as long as certain premium payments are maintained (excluding loans).
Please note that outstanding loans accrue interest. Income-tax-free treatment also assumes the loan will eventually be satisfied from income-tax-free death benefit proceeds. Loans and withdrawals reduce the policy’s cash value and death benefit and increase the chance that the policy may lapse. If the policy lapses, is surrendered or becomes an MEC, the loan balance at such time would generally be viewed as distributed and taxable under the general rules for distribution of policy cash values. In addition, withdrawals, policy loans and any accrued loan interest may cause your policy to lapse even if you are in a period of coverage under the No Lapse Gurantee Rider. Speak to your financial professional before taking any withdrawals or policy loans.
2 All of the riders are subject to the terms and conditions of the rider. Not all riders may be available in all jurisdictions. Some states may vary the terms and conditions. There may be an additional charge associated with obtaining certain riders. Some riders may not be available in combination with other riders and/or policy features.
The material is not a complete description of all the material provisions of the IUL Protect policy. Please refer to the product brochure and the actual policy for more complete information.
All guarantees are based on the claims-paying ability of the issuing Insurance Company, either AXA Equitable Life Insurance Company or MONY Life Insurance Company of America.
Please be advised that this content is based on our general understanding of federal income tax rules for U.S. individuals and is not intended as legal or tax advice. Accordingly, any tax information provided in this content is not intended or written to be used, and cannot be used, by any taxpayer for the purpose of avoiding penalties that may be imposed on the taxpayer. The tax information was written to support the promotion or marketing of the transaction(s) or matter(s) addressed and you should seek advice based on your particular circumstances from an independent tax advisor.
IUL Protect is issued in New York and Puerto Rico by AXA Equitable Life Insurance Company (AXA Equitable), New York, NY, and in all other jurisdictions by affiliate MONY Life Insurance Company of America (MLOA), an Arizona Stock Corporation, main administrative offices in Jersey City, NJ. MLOA is not licensed to do business in New York. IUL Protect is co-distributed by AXA Network, LLC and AXA Distributors, LLC. All companies are affiliated and directly or indirectly owned by AXA Equitable Financial Services, LLC, and do not provide tax or legal advice. You should consult with your tax and legal advisors regarding your particular circumstances.
IUL Protect is a flexible premium universal life insurance policy with an index-linked interest option. These policies have limitations. Certain types of policies, features and benefits may not be available in all jurisdictions or may be different. For costs and complete details of coverage, contact your financial professional.
IUL Protect is issued by AXA Equitable Life Insurance Company (AXA Equitable), New York, NY.
Policy form # ICC11-12-100,12-100 or State Variation
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