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.
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.
Designed for individuals looking for affordable permanent life insurance who also want to put their premium dollars to work via market-sensitive investment options. Offers growth potential (up to a cap) as well as downside protection.
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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 contact a financial professional. 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 include 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.
IncentiveLife Optimizer® III and IncentiveLife Legacy® III are flexible premium variable life insurance policies that are 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) (AZ stock company, administrative office: Jersey City, NJ). Co-distributed by AXA Advisors, LLC and AXA Distributors, LLC (members FINRA, SIPC ). AXA Equitable, MLOA, AXA Advisors and AXA Distributors are affiliated companies and do not provide tax or legal advice.
IncentiveLife®, IncentiveLife Optimizer® and IncentiveLife Legacy® are registered service marks of AXA Equitable Life Insurance Company.
IncentiveLife Optimizer® III Policy Form ICC15-100, 15-100 or state variations
IncentiveLife Legacy® III Policy Forms ICC09-100, 09-100 or state variations