• Growth potential
  • Downside protection
  • Tax-free retirement income
  • Live more for today

    Live more for today with financial security against life’s unknowns.  Because BrightLife® Grow Survivorship provides a life insurance benefit for the next generation, you and your spouse will know that your children will be taken care of when you’re no longer around.

    Keep more of the money you earn

    You can access the policy’s cash value, potentially tax-free, if you need it, for important financial goals or to help maintain your quality of life in retirement.  It also provides a financial security benefit that is generally tax-free for your children, so more of your money will stay in your family, instead of going toward taxes. 

  • Build more for tomorrow

    This policy includes a growth component, so you can build cash value by tracking a market index, with potential for growth and some protection from market downturns.  A survivorship policy is generally more cost-effective than two separate policies, giving you the potential to have your cash value accumulate more quickly over time. 

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

Tailor your strategy to meet your needs

With BrightLife® Grow Survivorship, you can choose how your premium payments are allocated, which can ultimately impact your policy’s cash value. Our indexed options are designed for people who want protection from market loss and some potential for growth.

  • Choose from 8 Indexed Options and/or a Guaranteed Interest Account
  • Split your premiums however you want
  • Change your allocation at any time

Take advantage of tax benefits

Not only does your cash value have the potential to grow tax-deferred, but you can generally take loans tax-free and your beneficiaries typically receive an income tax-free life insurance benefit.

Personalize your policy with optional riders

You can customize your BrightLife Grow Survivorship policy with one or more optional features. Some charge an additional fee, some are automatically included, though all have certain limitations.

Download client brochure 

Choosing the indexed strategy that's right for you

Market outlook should be a key factor in your choice of Core, Plus, or Hi-Par Options

Comparing the indexed strategies with hypothetical returns

To further demonstrate the differences in the Indexed Strategies, the chart below shows four different hypothetical S&P 500® returns — at 3%, 6%, 10% and 13%. The bars indicate what your corresponding performance would be for each of the strategies selected.


S&P®, Standard & Poor’s®, S&P 500® and Standard & Poor’s 500

Life insurance is issued in New York and Puerto Rico by AXA Equitable Life Insurance Company (AXA Equitable), New York, NY 10104, and in all other jurisdictions by affiliate MONY Life Insurance Company of America (MONY America), an Arizona Stock Corporation, with main administrative office in Jersey City, NJ. MONY America is not licensed to do business in NY and PR. It is co-distributed by affiliates AXA Network, LLC (AXA Network Insurance Agency of California, LLC in CA; AXA Network Insurance Agency of Utah, LLC in Utah; AXA Network of Puerto Rico in PR) and AXA Distributors, LLC. AXA Equitable, MONY America, AXA Network, LLC and AXA Distributors, LLC are affiliated companies and do not provide tax or legal advice. You should rely on your own advisors for these matters.

TM are trademarks of Standard & Poor’s and have been licensed for use by AXA Equitable. BrightLife® Grow Survivorship is not sponsored, endorsed, sold or promoted by Standard & Poor’s and Standard & Poor’s does not make any representation regarding the advisability of investing in the product.

Please be advised that this document is not intended as legal or tax advice. Accordingly, any tax information provided in this article 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.

"AXA" is the brand name of AXA Equitable Financial Services, LLC and its family of companies, including AXA Equitable Life Insurance Company (NY, NY), MONY Life Insurance Company of America (AZ stock company, administrative office: Jersey City, NJ), AXA Advisors, LLC, and AXA Distributors, LLC. AXA S.A. is a French holding company for a group of international insurance and financial services companies, including AXA Equitable Financial Services, LLC. This brand name change does not change the legal name of any of the AXA Equitable Financial Services, LLC companies. The obligations of AXA Equitable Life Insurance Company and MONY Life Insurance Company of America are backed solely by their claims-paying ability.

All guarantees are based on the claims-paying ability of the issuing company — either AXA Equitable or MONY America.

© 2015 AXA Equitable Life Insurance Company. All rights reserved.

1290 Avenue of the Americas, New York, NY 10104, (212) 554-1234

G35920GE-105931 (7/15) (Exp. 7/17)
Cat. #155440 (7/15)

Under current federal tax rules, you generally may take federal income tax-free withdrawals up to your basis (total premiums paid) in the policy or loans from a life insurance policy that is not a Modified Endowment Contract (MEC). Certain exceptions may apply for partial withdrawals during the policy's first 15 years. If the policy is a MEC, all distributions (withdrawals or loans) are taxed as ordinary income to the extent of gain in the policy, and may also be subject to an additional 10% premature distribution penalty prior to age 59 1/2, unless certain exceptions are applicable. Loans and partial withdrawals will decrease the death benefit and cash value of your life insurance policy and may be subject to policy limitations and income tax. In addition, loans and partial withdrawals may cause certain policy benefits or riders to become unavailable and may increase the chance your 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.

BrightLife® Grow Survivorship 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 MONY Life Insurance Company of America (MLOA), an Arizona Stock Corporation with its main administrative office in Jersey City, NJ MLOA is not licensed to conduct business in New York and Puerto Rico. It is co-distributed by affiliates AXA Network, LLC and AXA Distributors LLC,1290 Avenue of the Americas, New York, NY 10104.

GE 105369 (08/2015)

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