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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 1 out of 5 by from Cancelled appointment and no follow up appointment Representative called and cancelled appointment on the morning of 2/2/18. He stated their office are going to be too busy due to the market volatility! Never called back to reschedule appointment! While I can understand why he cancelled the appointment but he did not take into account as a busy surgeon I took that day off to meet multiple financial advisors, he is the only one that did not keep his appointment and never called to schedule a follow up appointment! I plan to call and get an appointment with someone else !
Date published: 2018-02-19
Rated 5 out of 5 by from Easy to use WEB site I went online to check my balance and it was very easy to do.
Date published: 2018-02-18
Rated 1 out of 5 by from Never heard from AXA after I signed up I was promised regular follow up to adjust my portfolio and regular status updates , 2 years later , not a word from any advisor.
Date published: 2018-02-17
Rated 5 out of 5 by from Easy to apprach. When I sent an email to my Advisor with a request, he called me back right away and started the paper.
Date published: 2018-02-14
Rated 2 out of 5 by from Poor Customer Service Called Customer Service with a simple request; was on hold for over 20 minutes, then told I had to call back later.
Date published: 2018-02-12
Rated 2 out of 5 by from Confusing and complicated Through out over many years of Association, we have been most happy with AXA and the services it provided. However in 2017, our experience was totally different.
Date published: 2018-02-12
Rated 4 out of 5 by from Two accounts two views My life ins help is great. My 403B I never hear from. I count on the person that comes to my school to help answer questions. Different people running the two accounts.
Date published: 2018-02-12
Rated 5 out of 5 by from Professional, friendly, and efficient The representative was extremely knowledgeable, fully answered my questions, and promptly fulfilled my request.
Date published: 2018-02-12
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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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