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 5 out of 5 by from Efficient and easy The service was quick and my advisor made it as easy as possible for me, setting everything up ahead of time and only calling me once he had the appropriate contact on the phone. Very efficient.
Date published: 2019-08-15
Rated 5 out of 5 by from Friendly service. All answers satisfied my needs. Very friendly and professional.
Date published: 2019-08-15
Rated 5 out of 5 by from Very helpful My contact got me what I needed right away. Answered my questions and confirmed receipt
Date published: 2019-08-14
Rated 5 out of 5 by from Retirement He was very helpful answer all my questions. Overall I give him 5 star.
Date published: 2019-08-12
Rated 1 out of 5 by from Request for documents It took multiple phone calls to try and get requested documents and I still don’t have exactly what I asked for. The first representative didn’t even offer to email the documents.
Date published: 2019-08-12
Rated 5 out of 5 by from Very helpful My team there was helpful beyond belief and always has been. Thats why I have been with you folks for so long!
Date published: 2019-08-11
Rated 5 out of 5 by from Helpful Take care of my needs and process my request. Thank you
Date published: 2019-08-11
Rated 4 out of 5 by from Efficient and professional service My contacts with AXA reps was congenial and they handled my requests efficiently.
Date published: 2019-08-08
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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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