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  • Robust investment options
  • Accumulation potential
  • Flexible premiums

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Sometimes our product features vary somewhat to align with different state insurance department requirements. To be sure we're giving you the most accurate information, please select your state of residence from the menu above.

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1 Under current federal tax rules, you generally may take income-tax-free partial withdrawals under a life insurance policy that is not a Modified Endowment Contract (MEC) up to your basis in the contract. Additional amounts are includible in income. The IRS places a limit on how much money can go into life insurance premiums for the policy and how quickly such premiums can be paid in order for the policy to retain all of its tax benefits. If certain limits are exceeded, a MEC results. MEC policyholders may be subject to taxes on distributions to the extent there is gain in their policy and penalties on any taxable amount if they are not 59½ or older. Loans taken will be free of current income tax as long as the policy remains in effect until the Insured's death, does not lapse, and is not a Modified Endowment Contract.

Please note that outstanding loans accrue interest. Income-tax-free treatment also assumes the loan will eventually be satisfied from income-tax-free death benefit proceeds. Loans and withdrawals reduce the policy’s cash value and death benefit and increase the chance that the policy may lapse. If the policy lapses, is surrendered or becomes a MEC, the loan balance at such time would generally be viewed as distributed and taxable under the general rules for distribution of policy cash values.

Guarantees are based on the claims-paying ability of AXA Equitable Life Insurance Company. The guarantees do not apply to the investment portfolios.

Life insurance is subject to exclusions, limitations, and terms for keeping it in force. Your financial professional can provide you with costs and complete details.

Incentive Life Optimizer® II a flexible premium variable universal life insurance policy, is issued by AXA Equitable Life Insurance Company, New York, 10104, and is co-distributed by AXA Advisors, LLC (member SIPC) and AXA Distributors, LLC. AXA Equitable and AXA Advisors are affiliated companies and do not provide legal or tax advice.

Please be advised that this content is not intended as legal or tax advice. Accordingly, any tax information provided is not intended or written to be used, and cannot be used, by any taxpayer for the purpose of avoiding penalties that may be imposed on the taxpayer. The tax information was written to support the promotion or marketing of the transaction(s) or matter(s) addressed and you should seek advice based on your particular circumstances from an independent tax advisor.

Certain types of contracts, features and benefits may not be available in all jurisdictions or may be different.

This is not a complete description of the Incentive Life Optimizer II contract.

Incentive Life Optimizer®II and Market Stabilizer Option® are registered service marks of AXA Equitable Life Insurance Company.

Policy form #08-ICC 10-11 or state variations

Throughout this website "AXA Equitable" is referenced. In some cases, this is representative of both AXA Equitable Life Insurance Company (AXA Equitable) and MONY Life Insurance Company of America (MLOA), which are affiliated companies.

GE-111189 (02/2016)

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