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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.

IncentiveLife Optimizer III

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

Potential accumulation
Investment options
Flexible premiums

IncentiveLife Legacy III

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.

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

BENEFITS

Affordable
Investment options
Flexible premiums
Rated 5 out of 5 by from Great service I am always pleased with my service when I need assistance. A wonderful company
Date published: 2018-12-08
Rated 5 out of 5 by from Excellent helpful representative. Staff very helpful. Online support made my transaction very easy.
Date published: 2018-12-07
Rated 1 out of 5 by from REVIEWS 2 attempts to get review published, i had to go a different direction, so i went social media and talked to the Tennessee manager of Axa, i ask him how do you put a review on a product if you can't name the product in the review,AXA as a company is good, but i am having trouble getting an answer to a question, that in 9 years i could call and get an explanation, but now that the head agent in my office is retired, the new agents can't or wont take time to answer, 1 said we were at an impasse after a 15 minute conversation, i hung up, because an impasse means i can't explain it or i won't expain it
Date published: 2018-12-06
Rated 3 out of 5 by from No luck getting a agent to call Have request 2 times for someone to contact me. So far no response
Date published: 2018-12-06
Rated 5 out of 5 by from Courteous and knowledgeable agents Overall positive experience with agents who went out of their way to meet our needs.
Date published: 2018-12-05
Rated 3 out of 5 by from Couldn't answer my questions It was great to get a call from a representitive and yet when I asked the questions I had he couldn't answer them and asked me to get information that I did not know how to get.
Date published: 2018-12-03
Rated 5 out of 5 by from Variable Universal Life Insurance Great company, easy to contact, caring agents that are always willing to assist.
Date published: 2018-12-02
Rated 5 out of 5 by from Polite and Extremely helpful The customer service was friendly down to earth well informed. The feeling left after the experience was like we were family. Took the tension of making the call go away immediately
Date published: 2018-11-29
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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. GE-116658 (7/2016)

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 FINRASIPC ). 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 

GE-118312 (09/2016)

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