• Investment opportunity
  • Guaranteed lifetime income
  • Death benefit guarantees

Retirement Cornerstone® is a multi-stage annuity built to adapt to your changing life, offering two Guaranteed Minimum Income Benefits (GMIBS), the GMIB Two-Year Lock and the GMIB Multi-Year Lock. Both GMIB options provide treasury-tied roll-up rates as high as 8% for downside protection with upside potential.

GMIB Two Year Rates

Series B

All rates effective 4/1/2017

7.00%

Two Year Deferral Roll-up Lock

5.00%

Two Year Annual Roll-up Lock

Series CP

All rates effective 4/1/2017

6.00%

Two Year Deferral Roll-up Lock

5.00%

Two Year Annual Roll-up Lock

Two Year Lock In Rate Details


GMIB Multi-Year Rates

Series B

All rates effective 4/1/2017

7.00%

Multi-Deferral Roll-up Lock

5.00%

Multi-Annual Roll-up Lock

Series CP

All rates effective 4/1/2017

6.00%

Multi-Deferral Roll-up Lock

5.00%

Multi-Annual Roll-up Lock

Multi-Year Lock In Rate Details
  • Designed for investors looking for a longer-term lock-in rate that applies for the length of the contractual withdrawal charge period.
  • After the length of the contractual withdrawal charge period (will vary by series), your roll-up rate is variable with guaranteed annual benefit base growth as high as 8% and never below 3%, tied to the 10-Year Treasury.
Multi-Year Formula Rate Details
  • The rate is equal to the average of the 10-year Treasury plus 2% during accumulation and plus 1% after you start taking withdrawals.

Please refer to the Product Fact Cards for further information including restrictions and limitations. The Retirement Cornerstone® variable annuity is issued by AXA Equitable Life Insurance Company and is co-distributed by affiliates, AXA Advisors, LLC and AXA Distributors, LLC. Guarantees are based on the claims-paying ability of AXA Equitable.

To learn more about the Retirement Cornerstone variable annuity please download the materials below.

Retirement Cornerstone Series B fact card  Download

Retirement Cornerstone Series CP fact card  Download

  Retirement Cornerstone ATP brochure  Download

  Retirement Cornerstone Investment Options flyer  Download

 Retirement Cornerstone main brochure  Download 

 Retirement Cornerstone RMD Wealth Guard brochure  Download 

 Retirement Cornerstone 15 Pictogram  Download

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®15 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. This is not a complete description of the Retirement Cornerstone variable annuity contract.

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

 

GE-100882 (02/2015)

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