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Variable annuities provide the opportunity for market appreciation — through a variety of investment options — with tax-deferral and future income. Variable annuities are designed for people willing to take on more risk in exchange for greater growth potential. While there is risk associated with a variable annuity, many offer guarantees of principal and downside protection at an additional cost and depending on contract rider availability. However, these guarantees do not apply to the investment performance or amounts held in the variable investment options.

Investment Edge®

Defers current taxes when trying to accumulate wealth and provides tax-efficient distributions, adding powerful tax advantages to a diversified portfolio.


Tax deferral
Death Benefit

Retirement Cornerstone

A single tax-deferred platform comprised of two separate accounts with distinct features that help address different goals - offering the ability to not only accumulate, but also protect retirement income.


Investment opportunity
Guaranteed income
Death benefit guarantees

Structured Capital Strategies

Several investment options, some of which allow participation in the upside potential of indices, up to a cap, that track certain domestic, international and commodities markets, and which have a built-in partial protection feature.



Upside potential up to a cap
Partial protection
Tax deferral

The Accumulator Series

A long-term retirement product that allows the ability to invest for growth potential on a tax-deferred basis. Also provides for guaranteed benefits through optional riders available for an additional fee.


Lifetime income
Death benefit

Important Note
AXA believes that education is a key step toward addressing your financial goals, and we've designed this material to serve simply as an informational and educational resource.  Accordingly, the information on this website does not offer or constitute investment advice and makes no direct or indirect recommendation of any particular product or of the appropriateness of any particular investment-related option.  Your needs, goals and circumstances are unique, and they require the individualized attention of your financial professional.

Annuities are long-term financial products designed for retirement purposes. In essence, annuities are contractual agreements in which payment(s) are made to an insurance company, which agrees to pay out an income or a lump sum amount at a later date. There are contract limitations and fees and charges associated with annuities, administrative fees, and charges for optional benefits. A financial professional can provide cost information and complete details. Variable annuities are subject to fluctuation in value and market risk, including loss of principal.

Withdrawals from annuities are subject to normal income tax treatment and if taken prior to age 59½, may be subject to an additional 10% federal income tax penalty. Withdrawals may also be subject to a contractual withdrawal charge.

Please consider the charges, risk, expenses, and investment objectives carefully before purchasing a variable annuity. For a prospectus containing this and other information, please contact a financial professional. Read it carefully before you invest or send money.

Guarantees are based on the claims-paying ability of AXA Equitable Life Insurance Company (NY,NY).

Variable annuities are issued by AXA Equitable Life Insurance Company (NY, NY) and co-distributed by affiliates AXA Distributors, LLC and AXA Advisors, LLC (members FINRA, SIPC).

GE-92925 (10/2016)

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