• Investment opportunity
  • Guaranteed lifetime income
  • Death benefit guarantees

Please select your state of residence above

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.

Want more details on how this product may help you? Talk to a financial professional

Rated 5 out of 5 by from Outstanding Customer Service My in general dealings have been nothing short of excellent. Whatever or whenever I have asked for things to be changed or otherwise addressed my requests are met with a courteous desire to fulfill my needs.
Date published: 2018-04-16
Rated 5 out of 5 by from Excellence They make transactions easy and quick. I trust them and look forward to the future because of them.
Date published: 2018-04-15
Rated 4 out of 5 by from Annual retirement disbursements Dealing with my AXA financial adviser is great and he helps a great deal. Dealing with AXA direct for disbursements is not very good. In my opinion, compared to my other retirement investments.
Date published: 2018-04-13
Rated 5 out of 5 by from Super advisor Everytime I have called my advisor for advice or a need he has always stepped up and has been there for me and my wife .
Date published: 2018-04-10
Rated 5 out of 5 by from Very efficient The personal assistance is outstanding. The professionals I deal with are very nice and helpful.
Date published: 2018-04-09
Rated 5 out of 5 by from Great responses Very helpful; on our time; keeps us informed; asks questions.
Date published: 2018-04-07
Rated 4 out of 5 by from AXA My AXA financial professional is always available and very helpful.
Date published: 2018-03-28
Rated 5 out of 5 by from SEP Friendly and responsive service and trustworthy advisor
Date published: 2018-03-28
  • y_2018, m_4, d_23, h_9
  • bvseo_bulk, prod_bvrr, vn_bulk_2.0.8
  • cp_1, bvpage1
  • co_hasreviews, tv_0, tr_416
  • loc_en_US, sid_IVA0003, prod, sort_[SortEntry(order=SUBMISSION_TIME, direction=DESCENDING)]
  • clientName_axafinancial
  • bvseo_sdk, java_sdk, bvseo-3.2.0
  • CLOUD, getReviews, 17ms
  • REVIEWS, PRODUCT

A deferred variable annuity, such as Retirement Cornerstone®, is a long-term financial product designed for retirement purposes. It is a contractual agreement 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. Variable annuity contracts offer tax-deferred growth potential and optional features such as living and death benefits. Guarantees are based on the claims-paying ability of the issuing company.

Withdrawals from an annuity contract are taxable as ordinary income and, if made prior to age 59½, may be subject to an additional 10% federal tax. Withdrawals may also be subject to withdrawal charges. Amounts invested in an annuity’s portfolios are subject to fluctuation in value and market risk, including loss of principal. There are fees and charges associated with a variable annuity contract, which include, but are not limited to, operations charges, sales and withdrawal charges, administrative fees, and additional charges for optional benefits. See the prospectus for complete details.

If you are purchasing an annuity contract to fund an Individual Retirement Annuity (IRA) or employer-sponsored retirement plan, 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.

The contingent withdrawal charge declines from 7% over a seven-year period for the Series B product. Please see the prospectus for the withdrawal charge scale for other annuities in the Retirement Cornerstone® Series. This content is not a complete description of all material provisions of the variable annuity contract. The prospectus contains more complete information, including investment objectives, risks, charges, expenses, limitations and restrictions. Please read the prospectus and any applicable supplements, and consider this information carefully before purchasing a contract.

There are certain contract limitations and restrictions associated with the Retirement Cornerstone® contract, which include, but are not limited to, a contract fee and additional charges for optional benefits. In addition, the underlying investment portfolios charge management fees and have other expenses. For costs and complete details of coverage, speak to your financial professional/insurance-licensed registered representative. Certain types of contracts, features and benefits may not be available in all jurisdictions. AXA Equitable offers other variable annuity contracts with different fees, charges and features. Not every contract is available through the same selling broker/dealer. AXA Equitable may discontinue contributions and transfers among investment options or make other changes in contribution and transfer requirements and limitations. If we discontinue contributions and transfers into the Protected Benefit Account, you will no longer be able to fund your guaranteed benefits.

Retirement Cornerstone® is a registered service mark AXA Equitable Life Insurance Company, New York, NY 10104. Retirement Cornerstone® variable annuities are issued by AXA Equitable Life Insurance Company, New York, NY 10104. All contract and rider guarantees, including optional benefits and any fixed subaccount crediting rates or annuity payout rates, are backed by the claims-paying ability of AXA Equitable. They are not backed by the broker/dealer from which this annuity is purchased, by the insurance agency from which this annuity is purchased or any affiliates of those entities and none makes any representations or guarantees regarding the claims paying ability of AXA Equitable.

Co-distributed by affiliates AXA Advisors, LLC and AXA Distributors, LLC, New York, NY 10104. Contract form #s: ICC12BASE4 and ICC12BASE3 and any state variations.

GE-129571 (10/2017)

Image used for Space here