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.
Defers current taxes when trying to accumulate wealth and provides tax-efficient distributions, adding powerful tax advantages to a diversified portfolio.
A single tax-deferred product comprised of two accounts with distinct features that help address different goals - offering the ability to not only accumulate, but also protect retirement income through the use of a guaranteed benefit rider made available for an additional fee.
Death benefit guarantees
A variable and index-linked deferred annuity contract designed for investors looking to partially protect their assets as well as invest for growth up to a cap.
BENEFITSUpside potential up to a cap
Structured Capital Strategies PLUS offers potentially higher cap rates with a longer investment commitment than Structured Capital Strategies Series B.
Partial downside protection
Tax-deferred financial product
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.
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.
S&P 500® Price Return Index — The S&P 500® Price Return Index includes 500 leading companies in leading industries of the U.S. economy, capturing 75% coverage of U.S. equities. The S&P 500® Price Return Index does not include dividends declared by any of the companies included in this Index. Larger, more established companies may not be able to attain potentially higher growth rates of smaller companies, especially during extended periods of economic expansion. S&P®, Standard & Poor’s®, S&P 500® and Standard & Poor’s 500® are trademarks of Standard & Poor’s Financial Services LLC (“Standard & Poor’s”) and have been licensed for use by AXA Equitable. Structured Capital Strategies® PLUS is not sponsored, endorsed, sold or promoted by Standard & Poor’s and Standard & Poor’s does not make any representation regarding the advisability of investing in Structured Capital Strategies® PLUS.
Russell 2000® Price Return Index — The Russell 2000® Price Return Index measures the performance of the small-cap segment of the U.S. equity universe. The Russell 2000® Price Return Index is a subset of the Russell 3000® Index representing approximately 10% of the total market capitalization of that index. It includes approximately 2,000 of the smallest securities based on a combination of their market cap and current index membership. The Russell 2000® Price Return Index does not include dividends declared by any of the companies included in this Index. Stocks of small and mid-size companies have less liquidity than those of larger companies and are subject to greater price volatility than the overall stock market. Smaller company stocks involve a greater risk than is customarily associated with more established companies. The Russell 2000® Index is a trademark of Russell Investments and has been licensed for use by AXA Equitable. The Product is not sponsored, endorsed, sold or promoted by Russell Investments and Russell Investments makes no representation regarding the advisability of investing in the Product.
iShares® MSCI EAFE ETF (Not available in all jurisdictions.) — Seeks the investment results that correspond generally to the performance of the MSCI EAFE Index. The index is designed to measure the equity market performance of developed markets, excluding the U.S. and Canada. The investment performance of the iShares® MSCI EAFE ETF Segment is based only on the closing share price of the Index Fund and the Segment does not include dividends declared by the Index Fund. The MSCI EAFE ETF Segment includes international securities that carry additional risks, including currency exchange fluctuation and different government regulations, economic conditions and accounting standards. The Product referred to herein is not sponsored, endorsed, or promoted by MSCI.
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.
Annuities contain certain limitations and restrictions. For costs and complete details contact a financial professional.
If you are purchasing an annuity contract as an individual Retirement Annuity (RA), you should be aware that such annuities do not provide tax-deferral benefits beyond those already provided by the Internal Revenue Code. Before purchasing one of these annuities, you should consider whether its features and benefits beyond tax deferral meet your needs and goals. You may also want to consider the relative features, benefits and costs of these annuities with any other investment that you may use in connection with your retirement plan or arrangement.
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 investing or sending money.
Policy form numbers Retirement Cornerstone® 15B: ICC12BASE3, ICC12BASE4 and any state variations. Structured Capital Strategies® 16 (April 2017 version): 2016SCSBASE-I-B-[A/B], 2016SCSBASE-I-C-[A/B], 2016SCSBASE-IADV-[A/B] and any state variations. Investment Edge® 15: ICC12IEBASE1, ICC13BASE2 and any state variations thereof. Structured Capital Strategies Plus: Contract form #s: 2017SCSBASE-I-PL-[A/B] and any state variations. Accumulator contract form #s: ICC11BASE1, ICC11BASE2, ICC11BASE1-G-A/B, ICC11BASE2-G-A/B, ICC11BASE2-B-BL (NY) and any state variations. Retirement Cornerstone® Series B contracts have a declining seven-year withdrawal charge schedule (7%, 7%, 6%, 6%, 5%, 3%, 1%). Structured Capital Strategies® Series B contracts have a declining five-year withdrawal charge schedule (5%, 5%, 5%, 4%, 3%). Structured Capital Strategies® PLUS contracts have a declining six-year withdrawal charge schedule (6%, 6%, 5%, 4%, 3%). Investment Edge® Series B contracts have a declining five-year withdrawal charge schedule (6%, 6%, 5%, 4%, 3%). Accumulator Series B contracts have a declining seven-year withdrawal charge schedule (7%, 7%, 6%, 6%, 5%, 3%, 1%).
Guarantees are based on the claims-paying ability of AXA Equitable Life Insurance Company (NY,NY).