Variable universal life insurance provides death benefit protection, the potential to build cash value and flexible premium payments.  Premiums are invested in your choice of underlying portfolios offering different levels of risk and growth potential.  Any earnings generated from the investment options are credited to your policy’s cash value.

VUL Optimizer

Life insurance protection with the potential for cash value accumulation through customized, professionally-managed investment portfolios as well as a wide array of investment options of your choice. 

BENEFITS

Accumulation potential
Investment options
Flexible premiums

VUL Legacy

Designed for individuals looking for affordable permanent life insurance who also want to put their premium dollars to work via market-sensitive investment options.

Please click on the name of the product for more complete details.

BENEFITS

Affordable
Investment options
Flexible premiums
Rated 4 out of 5 by from Principal Good company and responsive to my needs. Would recommend to someone else
Date published: 2019-07-12
Rated 3 out of 5 by from Online policy review Reviewed policy and policy values online. I've had my life policy over 30 years and have received no contact from a local representative.
Date published: 2019-07-11
Rated 5 out of 5 by from Great customer service! I needed to discuss a few things I wanted to address concerning our insurance policies, they took care of it with one phone call and a few days later I had the paperwork to complete. Thank you!
Date published: 2019-07-11
Rated 5 out of 5 by from Great service Friendly response. Always helpful and professional
Date published: 2019-07-09
Rated 3 out of 5 by from Very difficult in connecting the right Department Was treated well finally after I got to the right Department
Date published: 2019-07-09
Rated 5 out of 5 by from Another great meeting! I met with my advisors for my annual review and as usual, they took plenty of time with me, explaining how all my accounts were doing, answering all the the questions that I had, and re-explaining things I didn't understand. My advisors give me peace of mind!
Date published: 2019-07-08
Rated 5 out of 5 by from Met my expectations Very professional service. I would definitely recommend.
Date published: 2019-07-05
Rated 2 out of 5 by from Not much help... Kept telling me that I needed a report ran, so I could understand the #’s.
Date published: 2019-07-05
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All ratings and reviews are voluntarily submitted by existing customers and are pre-screened for acceptance or rejection prior to publication in accordance with established Moderation Guidelines, which consider applicable regulatory parameters for retail communications (i.e., advertising and sales literature) and company standards for appropriate content. Customers’ ratings and reviews reflect individual opinions and are not intended as indications of suitability or as predictions of any product/investment performance, may not represent the experience of any other customer, and should not be relied upon as bases for any purchase decision. AXA Equitable Life Insurance Company (AXA Equitable) and its affiliates do not guarantee the accuracy or applicability of the information included in any customer review. Ratings and Reviews are powered by Bazaarvoice, a 3rd party vendor not affiliated with AXA Equitable or its affiliates. For questions or concerns about the ratings and reviews presented here, please call 800-628-6673.

Please consider the charges, risk, expenses, and investment objectives carefully before purchasing a variable life insurance policy. For a prospectus containing this and other information, please see the link below which will provide you access. Read it carefully before you invest or send money. 

A variable life insurance policy is a contractual agreement in which premiums are made to an insurance company.  In return for these premiums, the insurance company will provide a death benefit to a named beneficiary upon proof of the insured's death and a policy cash value.  Amounts in the variable life insurance policy's cash value are invested in a variety of variable investment portfolios.  Amounts in a variable life insurance policy's variable investment options are subject to fluctuation in value and market risk, including loss of principal.  Life insurance policies have exclusions, limitations and terms for keeping them in force. 

Fees and charges associated with variable life insurance including a front end load, mortality and expense risk charges, cost of insurance charges, surrender charges, administrative fees, investment management fees and charges for optional benefits.  Contact a financial professional for costs and complete details of coverage. 

VUL Optimizersm and VUL Legacysm are a flexible premium variable life insurance policies issued in New York and Puerto Rico by AXA Equitable Life Insurance Company (AXA Equitable), NY, 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, depending on the state or jurisdiction of issuance. MLOA is not licensed to do business in New York. When sold by New York state-based (i.e., domiciled) financial professionals, VUL Legacysm is issued by AXA Equitable Life Insurance Company (New York, NY). AXA Equitable and MLOA are separate companies, and each insurance company has sole responsibility for its life insurance obligations.

VUL Optimizersm and VUL Legacysm are service marks of AXA Equitable Life Insurance Company. 

VUL Optimizersm Policy form #s ICC15-100, 15-100 or state variations.

VUL Legacysm Policy form #s ICC09-100, #09-100 or state variations.

GE-2619520 (7/2019)

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