• Upside potential
  • Partial downside protection
  • Tax-deferred financial product

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Rated 3 out of 5 by from Responsive Tries to keep me calm in my limited financial knowledge.
Date published: 2017-10-14
Rated 5 out of 5 by from Knowledgable and great handholding Our planner is super professional and extremely knowledgable, and explained things to us with clarity.
Date published: 2017-10-12
Rated 4 out of 5 by from HAS EVERYTHING I NEED IN A BAG My Finance guy took care of everything for us with one phone call.
Date published: 2017-10-04
Rated 4 out of 5 by from Review of AXA Great personal service but website and e mail encryption are both annoying and substandard
Date published: 2017-10-02
Rated 4 out of 5 by from Quick response I received a very quick response to my questions... and my requests were handled fast, too.
Date published: 2017-09-29
Rated 5 out of 5 by from Outstanding Service! My customer service rep was so patient as she helped me navigate a form needed for a transaction. She walked me through it, made sure I was comfortable with it, and was personable and professional.
Date published: 2017-08-20
Rated 3 out of 5 by from helpfull helpful but need to communicate with in the departments better.
Date published: 2017-07-17
Rated 5 out of 5 by from Very satisfied in Atlanta I really appreciate the prompt, professional service.
Date published: 2017-07-13
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Pre-Packaged Segment Selections are available only at contract issue. An investor may select only one Selection and must allocate 100% of their initial contribution to the Selection. An investor may not specify a Performance Cap Threshold if they select a package. This means they will invest based on the Performance Cap Rate declared on the Segment Start Date. If interested in the Pre-Packaged Segment Selection feature, an investor should work with their financial professional to select the package that is appropriate for them, in light of their investment time horizon, investment goals and expectations, market risk tolerance, and other relevant factors. In providing these Selections, we are not providing investment advice. An investor is responsible for determining which Selection is best for them. Investing by means of Pre-Packaged Segment Selection does not ensure a profit or protect against a loss. All funds must be received prior to the Segment Start Date in order to be placed into the Pre-Packaged Segment Selection. The Dollar Cap Averaging (DCA) Program may be elected along with the Pre-Packaged Segment Selection. Please see the prospectus for further details.

Investing in the Choice Segments than corresponding Standard Segments generally provides access to higher Performance Cap Rates and potentially greater Segment performance. The cost to invest in a Choice Segment is 1% per year of duration (for example, 3% for a 3-Year Segment and 5% for a 5-Year Segment). However, the Choice cost is waived if index returns are negative, and is partially waived if index returns are positive but less than the applicable Choice cost. This guarantees that the Choice cost will never bring returns below zero at maturity. Because an investor has access to a higher Performance Cap Rate, if the market is up at maturity an investor may keep a greater percentage of that growth even after deduction of the Choice cost than they would in a similar Standard Segment.

The Segment Rate of Return for a Choice Segment will always be less than (a) the Performance Cap Rate and (b) the Index Performance Rate, if positive, for that Segment. The Segment Rate of Return for a Choice Segment may be less than the Segment Rate of Return for a Standard Segment based on the same Index, Segment Buffer and Segment Duration. This will occur if the applicable Index Performance Rate is positive but less than the sum of (a) the Performance Cap Rate for the Standard Segment and (b) the Choice cost.

Withdrawals from an annuity contract are taxable as ordinary income, not as capital gain and, if made prior to age 59½, may be subject to an additional 10% federal income tax penalty. Withdrawals may also be subject to contractual withdrawal charges. The contractual withdrawal charge declines from 5% over a five-year period for the Structured Capital Strategies® Series B version. For tax purposes, withdrawals will come from any gain in the contract first. See the Structured Capital Strategies® Fact Card and Prospectus for additional information on fees and charges associated with Structured Capital Strategies®.

AXA Equitable Life Insurance Company has sole legal responsibility to pay amounts it owes under the contract. An owner should look to the financial strength of AXA Equitable for its claims-paying ability.

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® 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®.

The Russell 2000® Index tracks the performance of small-cap companies. 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 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.

The NASDAQ 100 Price Return Index® (not available in all jurisdictions) includes 100 of the largest domestic and international non-financial securities listed on the NASDAQ Stock Market based on market capitalization. The Index reflects companies across major industry groups including computer hardware and software, telecommunications and biotechnology. Non-diversified investing may be focused in a smaller number of issues or one sector of the market that may make the value of the investment more susceptible to certain risks than diversified investing.

The Product referred to herein is not sponsored, endorsed, or promoted by MSCI, and MSCI bears no liability with respect to any such Product or any index on which such Product is based. The prospectus contains a more detailed description of the limited relationship MSCI has with AXA Equitable and any related products.

The MSCI EAFE Price Return Index is a sampling of securities deemed by MSCI as designed to measure the equity market performance of the developed European, Australasian and Far East (EAFE) markets. Australasia includes Australia, New Zealand and neighboring islands of the South Pacific. International securities carry additional risks, including currency exchange fluctuation and different government regulations, economic conditions and accounting standards.

The MSCI Emerging Markets Price Return Index (not available in all jurisdictions) is a free float-adjusted market capitalization index that is designed to measure equity market performance of 21 emerging market country indices, including Brazil, Russia, India, China and others in Southeast Asia, Eastern Europe, Latin America and Africa. International securities carry additional risks, including currency exchange fluctuation and different government regulations, economic conditions and accounting standards.

The Financial Select Sector SPDR Fund (not available in all jurisdictions) seeks to closely match the returns and characteristics of the Financial Select Sector Index, which is the underlying index. The underlying index seeks to provide an effective representation of the financial sector of the S&P 500 Index, and includes companies from the following industries: commercial banks, capital markets, diversified financial services, insurance and real estate. The Financial Select Sector Fund may not fully replicate or may, in certain circumstances, diverge significantly from the performance of the index. Non-diversified investing may be focused in a smaller number of issues or one sector of the market that may make the value of the investment more susceptible to certain risks than diversified investing.

This Structured Capital Strategies® variable annuity is not sponsored, endorsed, authorized, sold or promoted by the Select Sector Trust, or SSgA FM. Neither the Select Sector Trust nor SSgA FM makes any representations or warranties to purchasers of the variable annuity or any member of the public regarding the advisability of investing in the variable annuity. Neither the Select Sector Trust nor SSgA FM has any obligation or liability in connection with the operation, marketing, trading or sale of the variable annuity.

The iShares® Dow Jones U.S. Real Estate Index Fund (not available in all jurisdictions) seeks investment results that correspond generally to the performance of the Dow Jones U.S. Real Estate Index. The Index measures the performance of the Real Estate industry of the U.S. equity market, including real estate holding and developing and real estate investment trust (REITS) subsectors. The investment performance of the iShares® Dow Jones U.S. Real Estate Index Segment is based only on the closing share price of the Index Fund. The iShares® Dow Jones U.S. Real Estate Index Segment does not include dividends declared by the Index Fund. Non-diversified investing may be focused in a smaller number of issues or one sector of the market that may make the value of the investment more susceptible to certain risks than diversified investing.

The London Gold Market Fixing Ltd PM Fix Price/USD (Gold Index) (not available in all jurisdictions) is an international benchmark for the price of Gold. Because this Investment Segment is tracked to the commodities industry, it can be significantly affected by commodity process, world events, import controls, worldwide competition, government regulations, and economic conditions. Apart from the risks associated with general commodity investing, there are risks to investing in the common stocks of commodity producing companies. An investor should be willing to accept the risks that come with exposure to foreign and emerging markets, including political, economic and currency volatility.

The NYMEX West Texas Intermediate Crude Oil Generic Front Month Futures (Oil Index) (not available in all jurisdictions) is the underlying commodity index of oil futures contracts. Risks involved with futures contracts include imperfect correlation between the change in the market value of the stocks held by the portfolio and the prices of futures contracts and options, and the possible lack of a liquid secondary market for futures or options contracts, and the resulting inability to close a futures contract prior to its maturity date. Also, index options, over-the-counter options, and options on futures are exposed to additional volatility and potential losses.

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.

Structured Capital Strategies® is a long term retirement product which contains fees for administration, sales, and certain expense risks.  Variable annuities are subject to market risk including loss of principal.

Structured Capital Strategies® (August 2014 version) is issued by AXA Equitable Life Insurance Company, New York, NY 10104 and co-distributed by affiliates AXA Advisors, LLC and AXA Distributors, LLC (members FINRA, SIPC). Visit our website at www.axa.com. An investor can contact us at (212) 554-1234 to find out the availability of other contracts.

Contract form #s: 2010PCSBASE-I-A/B and 2010PCSBASE-A/B and any state variations

“AXA” is the brand name of AXA Equitable Financial Services, LLC and its family of companies, including AXA Equitable Life Insurance Company (NY, NY), AXA Advisors, LLC, and AXA Distributors, LLC. AXA S.A. is a French holding company for a group of international insurance and financial services companies, including AXA Equitable Financial Services, LLC. The obligations of AXA Equitable Life Insurance Company are backed solely by their claims-paying ability.

© 2017 AXA Equitable Life Insurance Company. All rights reserved. Structured Capital Strategies® is patent-approved. Patent no. 8,645,261.

1290 Avenue of the Americas, New York, NY 10104, (212) 554-1234

GE-129572 (10/2017)

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