- Tax-free life insurance benefit
- Growth potential with downside protection
Live more for today
Live more for today with financial security against life’s unknowns. Because BrightLife® Protect 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
Since BrightLife® Protect Survivorship provides potential tax-deferred growth and a financial security benefit that is generally income-tax-free for your children, more of your money will stay in your family, instead of going towards taxes. This is one way you can help ensure that your children will be able to continue the quality of life you want for them. BrightLife® Protect Survivorship can also help you set aside an inheritance for your family, so you can keep more for today.
Build more for tomorrow
Unlike term insurance, this policy includes a growth component, to complement the protection your policy provides. The cash surrender value you can potentially accumulate within your policy may be protected from market downturns, and still offers some opportunity for growth.
Choose how to allocate your premium payments
With BrightLife® Protect Survivorship, you can choose how your premium payments are allocated, which can ultimately impact your policy’s cash value. The investment options are designed for people who want protection from market loss and some potential for growth.
- The Select Account offers potential for growth, and protection from market loss
- The Fixed Account provides a fixed interest rate, never to be set at lower than 2%
- Split your premiums between the Accounts 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.
Tailor your policy with optional riders
You can customize your BrightLife Protect Survivorship policy with one or more optional features. Some charge an additional fee, some are automatically included, though all have certain limitations.
BrightLife® Protect 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.