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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 3 out of 5 by from Average service so far Friendly and well intentioned. She didn’t receive the reports she requested making our time less valuable and didn’t go out of her way to get the more detailed information I’d requested.
Date published: 2019-05-20
Rated 4 out of 5 by from Helpful and cooperative I had to follow up to get my transaction executed as my initial email request was missed. However, once I notified customer service rep they expedited pretty quickly by fast tracking order request.
Date published: 2019-05-19
Rated 1 out of 5 by from Confusing and late statements The bills we receive are labeled 'past due' and never contain an envelope.
Date published: 2019-05-16
Rated 1 out of 5 by from No follow up service when asked There was an offer from AXA for a follow up service on my account. I responded to that request but no one replied or contacted me from AXA.
Date published: 2019-05-15
Rated 1 out of 5 by from Inforce I requested for an inforce illustration back on April 15th. Since I did not want to deal with a salesperson, I thought the back office was able to assist. However I only received in force for 1 of my policies, but still haven't received the other, it is currently May 13th! The inforce I did receive also did it include all of the reports I asked for. Unfortunalty this is not the first time I was disappointed by the lack of execution.
Date published: 2019-05-13
Rated 5 out of 5 by from very helpful in change of address I did not have to call, everything was done online.
Date published: 2019-05-08
Rated 5 out of 5 by from Helpful and Very Friendly Adviser and customer services are very helpful and friendly.
Date published: 2019-05-07
Rated 1 out of 5 by from Very poor service Call #1. Requested performance report for all investments available. Was sent 3 years of my own annual report. Call #2. Requested performance report for all investments available. Was told information available on web site. Unable to download. The little wheel just kept spinning. Call #3 Requested same information as call #1 & #2. Was told it would be sent to me. To date, have not received it.
Date published: 2019-05-06
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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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