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  • Estate planning
  • Flexible premiums
  • Fixed interest
  • Married, with estate tax concerns?

    Athena Survivorship Universal LifeSM IV may be right for you. 

    A survivorship policy insures two people – typically a married couple – under one policy.  The life insurance benefit is paid out to designated beneficiaries, free of federal income-tax, after the death of the second person. 

    Survivorship policies can be a cost-effective way to insure two people, and they allow you to take full advantage of the unlimited estate tax marital deduction.

    No Lapse Guarantees (NLG)

    Athena SULSM IV offers a level of protection against your policy "lapsing" so that it remains in force even if some payments are missed.

  • Provided a certain level of premiums have been paid previously and certain other criteria has been met, you can take advantage of:
         • A 5-year no-lapse guarantee and 
         • An optional, longer-term no-lapse guarantee
            for an additional charge.

    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 guarantee. Therefore, please speak to your financial professional before taking any withdrawals or policy loans.  It is also important that you work with your attorney to make sure that the policy ownership and beneficiary designation are properly set up.

Want more details on how this product may help you? Talk to a financial professional

Permanent life insurance protection

Athena Survivorship Universal LifeSM IV (Athena SULSM IV) is a flexible premium, second-to-die universal life insurance policy that provides death benefit protection.

The policy

  • Insures two lives, typically a husband and wife, under one life insurance policy and pays a death benefit on the death of the last surviving insured.
  • Death Benefit is generally used to help pay estate taxes and other estate settlement costs.
  • Offers a 5-year no-lapse guarantee and an optional "life expectancy" no-lapse guarantee.

It is important that you work with your attorney to make sure that the policy ownership and beneficiary designation is properly set up.

Premium flexibility

Premium payments are flexible. After an initial payment, the amount and timing of your premium payments is flexible (subject to certain minimums and maximums).

Access to cash value1

Depending on your current or anticipated future needs, you can tailor your Athena SUL IVSM policy by taking advantage of a selection of optional policy riders, including the Extended No Lapse Guarantee Rider, that are available for an additional cost. For more detailed information, please refer to the client brochure link below.

Death benefit options

Athena SULSM IV has two death benefit options:

  • Option A – Level Death Benefit - is equal to the Face Amount of the policy
  • Option B – Variable Death Benefit - is equal to the Face Amount plus the Policy Account Value

Under either option, a higher death benefit may apply if the value in the policy account reaches a certain level relative to the Face Amount. Changes to the death benefit option are available at no charge after the second policy year.

Choice of Riders2

Depending on your current or anticipated future needs, you can tailor your Athena SULSM IV policy by taking advantage of a selection of policy riders that are available for an additional cost.

Interest rate and non-guaranteed interest rate bonus

The interest rate that AXA Equitable credits to the Athena SULSM IV Policy Account Value is declared periodically. For more detailed information, please refer to the client brochure below.

Download Client Brochure  

1 Under current federal tax rules, you generally may take income-tax-free partial withdrawals under a life insurance policy that is not a Modified Endowment Contract (MEC) up to your basis in the contract. Additional amounts are includible in income. The IRS places a limit on how much money can go into life insurance premiums for the policy and how quickly such premiums can be paid in order for the policy to retain all of its tax benefits. If certain limits are exceeded, a MEC results. MEC policyholders may be subject to taxes on distributions to the extent there is gain in their policy and penalties on any taxable amount if they are not 59½ or older. Loans taken will be free of current income tax as long as the policy remains in effect until the last surviving Insured’s death, does not lapse, and is not a MEC.

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 a 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.

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.

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 guarantee. Therefore, please speak to your financial professional before taking any withdrawals or policy loans. It is also important that you work with your attorney to make sure that the policy ownership and beneficiary designation are properly set up.

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.

All guarantees are based on the claims-paying ability of AXA Equitable Life Insurance Company.

Athena Survivorship Universal LifeSM IV, a flexible premium, second-to-die universal life insurance policy, is issued by AXA Equitable Life Insurance Company (AXA Equitable) New York, NY and co-distributed by affiliates AXA Network, LLC and AXA Distributors, LLC. This product has exclusions, limitations and terms for keeping it in force. For costs and complete details of coverage, contact your financial professional/licensed insurance agent.

This is not a complete description of the Athena Survivorship Universal Life IV contract. Certain types of policies, features and benefits may not be available in all jurisdictions or may be different.

Athena Survivorship Universal LifeSM and Athena SULSM are service marks of AXA Equitable Life Insurance Company.

Neither AXA Equitable, its affiliates, nor their agents or representatives provide tax or legal advice. Clients should seek the advice of their tax and legal advisors regarding their particular circumstances.

Policy form ICC13-100 for the Interstate Compact jurisdictions and 13-100 or state variation for the Non-Interstate compact jurisdictions.

GE-114692 (08/2016)