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AXA Equitable life insurance

Welcome to customer support. Here you will find forms, contact information, answers to common questions and more.

Phone

  • (800) 777-6510

  • Monday - Friday 8:00 AM - 7:00 PM ET

Interactive voice response system and fax

  • Interactive voice response system

    (800) 777-6510

    For policy information 24 hours a day, 7 days a week

  • Fax

    (855) 268-6378

    AXA may act on faxed instructions believed to be genuine but may also request an original signature before processing.


Service requests or inquiries

  • Mailing address

    AXA
    PO Box 1047
    Charlotte, NC 28201- 1047

  • Express mail

    AXA
    National Operations Center
    8501 IBM Drive, Suite 150
    Charlotte, NC 28262

For Universal Life policies with account numbers 24 000 000 - 24 999 999

  • Phone

    (800) 342-4368

    Monday - Friday 8:30 AM - 5:00 PM ET

    Fax written request for service to

    (434) 948-5716

  • Mailing address

    AXA Equitable Life Administration Center
    PO Box 6040
    Lynchburg VA 24505 


Payments

Payments without a bill should be sent to

  • Mailing address

    AXA
    PO Box 1047
    Charlotte, NC 28201- 1047

  • Express mail

    AXA
    National Operations Center
    8501 IBM Drive, Suite 150
    Charlotte, NC 28262

Universal Life policies with account numbers 24 000 000 - 24 999 999

  • Phone

    (800) 342-4368

    Monday - Friday 8:30 AM - 5:00 PM ET

    Fax written request for service to

    (434) 948-5716

  • Mailing address

    AXA Equitable Life Administration Center
    PO Box 6040
    Lynchburg VA 24505 

Service Request Forms*

Your policy and contract number can be found on your statement or call your financial professional.

By clicking on one of the choices below, you may print out the request form or you may login or enroll for online account access to perform these transactions online.

Requests for policy loans for most variable life products may be submitted online.

The following service requests cannot be completed online at this time. A written request by the policy owner must be mailed to our administrative office. By clicking on one of the choices below, you may print the request form on your computer's printer. After completing and signing the form, mail it to the address on the form.

Policy information:

Premium payments

Dividends

Variable investment portfolios

Please return your completed form to the address indicated.

* These forms are Adobe Portable Document Format (PDF) files. You can download the free Adobe Reader here.

Request a form be sent to you

Request these forms by calling VOICEIT, our toll-free interactive voice response system, at (800) 777-6510, available 24 hours a day, 7 days a week. If you need additional information, send us your request.

Common Questions

Modified Endowment Contract

  • What is a MEC - Modified Endowment Contract?

    The federal tax law definition of "life insurance" limits your ability to pay certain high levels of premiums. In addition, if your cumulative premium payments exceed certain amounts specified under the Internal Revenue Code, your policy will become a Modified Endowment Contract (MEC). If your policy is a MEC, the tax treatment of any death benefit provided under the contract will still qualify for income tax free treatment but you may be subject to additional taxes and penalties on any distributions from your policy during the life of the insured.

    You can ask your financial professional to provide you with an illustration of policy benefits that shows you the amount of premium you can pay, based on various assumptions, without exceeding these tax law limits.

  • What policies are "grandfathered" from becoming Modified Endowment Contracts?

    Life insurance contracts entered into before June 21, 1988 are generally "grandfathered" from this premium limit test. However, certain changes made to the contract could invalidate the policy's "grandfathered" status and subject it to premium limit testing.

  • What changes could cause a loss of "grandfathered" status?

    A face amount increase, the addition of a rider or an increase in its amount, a reduction in rating, a change to non-smoker status or a substitution of insured are all considered material changes and could result in a loss of "grandfathered" status. With the change, a new 7-pay period is started effective with the date of the transaction and a new 7-pay premium is determined. Premiums will need to be limited to the 7-pay premium for seven years following the change in order to avoid Modified Endowment Contract (MEC) status.

  • What is the effect of a MEC (Modified Endowment Contract)?

    If your policy is a MEC (Modified Endowment Contract) the tax treatment of any death benefit provided under the contract will still qualify for income tax free treatment. However, you may be subject to additional taxes and penalties on any distributions from your policy during the lifetime of the insured. Any distribution from a policy that is a MEC will be taxed on an "income-first" basis. Distributions for this purpose include a loan (including any increase in the loan amount to pay interest on an existing loan or an assignment or a pledge to secure a loan) or withdrawal. Any such distributions will be considered taxable income to you to the extent there is gain in the policy at the time of distribution. That is, the distribution will be includible in income up to the amount your account value exceeds your basis in the policy.

    A 10% penalty tax also will apply to the taxable portion of most pre-age 59 1/2 distributions from a policy that is a Modified Endowment Contract.

  • When will the 10% penalty apply to a distribution from a MEC?

    A 10% penalty tax will apply to the taxable portion of most distributions from a policy that is a Modified Endowment Contract.
    The penalty tax will not apply to:

    • distributions to taxpayers whose actual age is at least 59 1/2,
    • distributions in the case of a disability (as defined in the Code) or,
    • distributions received as part of a series of substantially equal periodic annuity payments for the life (or life expectancy) of the taxpayer or the joint lives (or joint life expectancies) of the taxpayer and his or her beneficiary.
  • How is MEC status determined?

    A Modified Endowment Contract (MEC) is a life insurance policy that has had cumulative premium payments made during the first seven years that exceed a limit defined in the tax code. This limit is called the 7-pay limit and depends in part on the amount of the policy's death benefit and the age of the insured. At any point in time during the first seven policy years, premiums paid cannot exceed the sum of the annual 7-pay limits or the policy will become a MEC. This means your total limit will increase each of your first seven policy years. After seven years, MEC testing will not apply unless at any point in time a "material change" requires your policy to start a new 7- pay testing period with new 7- pay limits.

    Whenever there is a "material change" under a policy, the policy will generally be (a) treated as a new contract for purposes of determining whether the policy is a Modified Endowment Contract and (b) subjected to a new 7-pay period and new 7-pay limit. Material changes include: a face amount increase, the addition of a rider or an increase in its amount, a reduction in rating, a change to non-smoker status or a substitution of insured and all could result in a loss of "grandfathered" status.

    There are also changes considered reductions in benefits during a 7-pay test period that trigger a retroactive recalculation and testing of premiums. A reduction in benefits during a 7-pay test period causes the policy to be retested as if the policy had been issued at the reduced level of benefits. This could cause the policy to become a Modified Endowment Contract based upon premiums paid prior to the reduction in benefits.

  • What is the "basis" in a life insurance policy?

    Your basis, sometimes also referred to as your investment in the contract, generally will equal the premiums you have paid, less the amount of any previous distributions from your policy that were not taxable. For Modified Endowment Contracts, your basis is also increased by the amount of any prior loan under your policy that was considered taxable income to you.

  • What are taxable events?

    If your policy is not a MEC (Modified Endowment Contract):

    • Upon full surrender, any amount by which the proceeds we pay (including amounts we use to repay any policy loan and unpaid loan interest) exceed your basis in the policy will be includible in income.
    • If a policy terminates after a grace period, the repayment of any then-outstanding policy loan and unpaid loan interest will be treated as a distribution and could be subject to tax to the extent the distribution exceeds your basis in the policy.
    • If you make a partial withdrawal during the first 15 years of your policy, all or part of the withdrawal may be taxable if there is gain in your policy, even if the withdrawal does not exceed the cost basis.
    • If you make an assignment of rights or benefits under your policy and the policy is a MEC or subject to a policy loan, you may be deemed to have received a distribution from your policy, all or part of which may be taxable.
    • If you reduce your benefits under a policy, it is possible that amounts previously paid as premiums will exceed the amount the tax law permits for your policy to be treated as life insurance. This could cause amounts to be forced out of the contract to keep its qualification as life insurance. These force-outs could be required at the time of the reduction and/or in future years. All or a portion of any amounts forced out may be taxable to the extent there is gain in your policy.

    All amounts includible in income under a life insurance policy will be considered ordinary income as opposed to capital gain.

    If your policy is a MEC, any distribution from your policy will be taxed on an "income -first" basis. Distributions for this purpose include a loan (including any increase in the loan amount to pay interest on an existing loan or an assignment or a pledge to secure a loan) or withdrawal.

    A 10% penalty tax also will apply to the taxable portion of most pre-age 59 1/2 distributions from a policy that is a Modified Endowment Contract.

    AXA Advisors does not provide legal or tax advice. You must consult your legal and tax advisors for specific advice pertaining to your situation.

Owner / Beneficiary

  • How can I confirm who the owner is?

    Online through the AXA web site, on the Account Details page, the field titled "Client" identifies the owner of the policy. The owner has all the rights and privileges that exist under the insurance contract unless those rights have been assigned or restricted.

  • How can I change the owner?

    To change ownership on your policy, a written request from the present owner is required.

    AXA VOICEIT Interactive Interactive Voice Response offers you the convenience of requesting an Owner Change Form for updating your policies 24 hours a day/ 7 days a week. Forms are available via FAX, Mail or Email provided you register on The AXA web site. You can reach AXA VOICEIT, Toll Free at (800) 777-6510. Assisted Service is readily available if you require assistance during business hours. Click here for a printable form. Complete and return to the address on the form.

  • How can I confirm who the beneficiary is?

    Online, through the AXA web site. Login or Register. Click on "Account Details" from the"Choose an Option" drop down box. The Beneficiary designation can be found under "General Information".

    AXA VOICEIT Interactive Voice Response offers you the convenience of Beneficiary Information. Using your policy number and Personal Identification Number (6-Digit PIN that you choose on your initial call) you can just say "Beneficiary" or "Policy Details". If you need to update the beneficiary, you may request a Beneficiary Change form for updating your policies 24 hours a day/7 days a week by saying "Forms" and choosing the "Owner Beneficiary change form". Forms are available via FAX, Mail or Email provided you are registered in the AXA web site. You can reach AXA VOICEIT, Toll Free at (800) 777-6510. Assisted service is readily available if you require assistance during business hours.

  • How can I change the beneficiary?

    The beneficiary is the person, organization, or entity that is identified to receive net proceeds from the life insurance policy's death benefit. To request a change to the beneficiary designation on your policy, the written request of the owner is required.

    AXA VOICEIT Interactive Voice Response offers you the convenience of requesting a Beneficiary Change Form for updating your policies 24 hours a day/ 7 days a week. Forms are available via Fax, Mail or Email provided you register on the AXA web site. You can reach AXA VOICEIT, Toll Free at (800) 777-6510. Assisted Service is readily available if you require assistance during business hours.

    Click here for a printable form. Return the signed and dated request to the address shown in the upper right corner of the form.

Investment information

  • How can I obtain investment information?

    The AXA web site, your online information source for the status and current values of your AXA life and annuity contracts, does provide you with the most recent closing price for all the investment portfolios you have available to you.

    In addition, online access also displays monthly and quarterly annualized rates of return for the portfolios available within most of our variable life and annuity contracts. Choose the Performance Information option from the dropdown box on the right side of the Portfolio Summary page.

  • How is the value of the investment options determined?

    Amounts that you allocate under your variable life policy to any of the investment options are invested in a corresponding "Portfolio" that is part of EQ Advisors Trust. The value of your variable investment option is measured in "units".

    Each unit has a "unit value". While the unit value relates to the net asset value of the shares of the corresponding portfolio, there is not a one-to-one correlation in the dollar amount. For example, if at the time of the portfolio's inception the net asset value of the portfolio was $10.00 per share, the unit value of the corresponding investment option may actually have been $100.00 per unit. If the portfolio's net asset value grew to $11.00 per share the next day, the unit value of the corresponding variable investment option would have increased proportionately, but not by the exact same dollar amount.

    The value of each unit will increase or decrease each day and reflect all reinvested dividends and distributions from the corresponding Portfolio. The daily unit value calculation will also take into account the deduction of any mortality and expense risk charges that apply under your contract/policy.

    The number of your units in any variable investment option does not change, unless there is an event or transaction under your contract/policy that involves moving assets into or out of that option. Whenever any amount is withdrawn or deducted from one of your contract/policy's variable investment options, we "redeem" the number of units that has a value equal to that amount, on the effective date of the redemption. This happens, for example, when all or a portion of monthly deductions and transaction-based charges are allocated to that option, or when loans, transfers, withdrawals and surrenders are made from that option.

    Your investment results in a variable investment option will depend on those of the related Portfolio. Any gains will generally be tax deferred and the life insurance benefits we pay upon the death of the Insured will generally be federal income tax free.

    Daily Unit Values are available online, for most variable life and annuity contracts, through the AXA web site. Login or Register .

  • What is the current Guaranteed Interest Account?

    The GIA rate is the rate credited to monies that are invested in the guaranteed investment option on your variable life insurance contract. It is determined periodically by AXA. The current interest rate that is credited can never be lower than the minimum specified in your policy. This rate is not guaranteed or is guaranteed only for a limited duration; see your policy for specifics.

    Your Guaranteed Interest Account (GIA) rate can be found in the annual report that is sent to you at your policy anniversary. Refer to the "Table of Interest Rates" in your annual report, which will provide interest rates for the current and past year.

    Note that transfers out of the GIA are subject to certain restrictions. One GIA transfer request is permitted in each policy year within a period beginning 30 days prior to your policy anniversary and ending 60 days after the anniversary. A transfer request received before the anniversary will be effective on the policy anniversary. Transfers are limited to the greatest of $500, 25% of your then current balance in the GIA, or the amount transferred from the GIA in the immediately preceding policy year. Twelve transfers per policy year are currently permitted free of charge; over twelve, a $25 fee may apply, depending on your policy. There may be product variations, please check your policy prospectus for complete details.

  • Are there any transfer restrictions on the Guaranteed Interest Account?

    Transfers out of the Guaranteed Investment Account (GIA) are subject to certain restrictions. One GIA transfer request is permitted in each policy year within a period beginning 30 days prior to your policy anniversary and ending 60 days after the anniversary. A transfer request received before the anniversary will be effective on the policy anniversary. Transfers received after the policy anniversary (within the 60 day period) are effective on the date received at our Administrative Office. Transfers are limited to the greatest of $500, 25% of your then current balance in the GIA, or the amount transferred from the GIA in the immediately preceding policy year.

    We are currently relaxing our policy rules so that you may transfer any amount of unloaned policy account value out of the guaranteed interest option to any other investment option whether or not you are within the GIA Transfer Period.

    Twelve transfers per policy year from all investment options (not just GIA) are currently permitted free of charge; over twelve, a $25 fee may apply, depending on your policy. There may be product variations, please check your policy prospectus for complete details.

Performance information

  • How can I obtain performance information?

    The AXA web site displays monthly and quarterly annualized rates of return for the portfolios available within most of our variable life and annuity contracts. Select the "View" link under "Performance Information" on the Portfolio Summary page.

    Performance information is a two-page report, showing the month-end and the quarter-end annualized rates of return of the EQ Advisors Trust Portfolios. To ensure that you have a clear understanding of the numbers that are presented, it is essential that you read both of the reports and the footnotes on each. Use the page down key or the scroll bar to view the second report.Some information to keep in mind as you review these reports:

    • Annualized rates of return are based on the percentage change in net asset value with dividends and capital gains reinvested
    • Investment Performance of the Equitable Advisors Trust (the Trust is a mutual fund which holds portfolios that correspond to the investment options available under your variable life policy) is calculated after deduction of investment management fees and direct operating expense of the Trust
    • This performance calculation is not representative of the actual return you would receive under your variable life insurance policy. Changes in policy values depend not only on the investment performance of the Trust but also on the insurance and administrative charges, sales charges and the mortality and expense risk charges applicable under a policy. These policy charges effectively reduce the dollar amount of any net gains and increase the dollar amount of any net losses.
    • The investment options available under your variable life contract are not publicly traded mutual funds. As such, they do not have security or ticker symbols like publicly traded mutual funds and cannot be accessed via public mutual fund lookup sites.
    • Please note that while some of these investment options may have similar names, investment managers and investment objectives as publicly traded mutual funds, they are completely separate portfolios that are collectively administered through the Equitable Advisors Trust. In general, you should be aware of the differences when comparing performance of mutual funds and their variable annuity or variable life counterpart portfolios.
      Major factors that can contribute to these differences include:
      • The portfolio's underlying fee structure (management and administrative expenses
      • Insurance and contract related charges in addition to management expenses (not applicable to mutual funds
      • The timing of the portfolio's purchase and sale of securities
      • Differences in cash flows (new sales and redemptions)
      • Other strategies employed by the fund manager for tax purposes (not applicable to variable portfolios given their tax-deferred status)
  • Why does the rate of return differ, between different variable products, for the same investment option?

    Annualized rates of return may differ because the fees and expenses associated with the particular investment option are different under the two products. Check your policy/contract prospectus for detail on the fees and expenses of the investment portfolios.

    Note that Annualized Rates of Return are not representative of the actual return you would receive under your policy. Changes in policy values depend not only on the investment performance of the various options, but also on applicable insurance and administrative charges, applicable sales charges and the mortality and expense risk charges that are deducted. Premiums or contributions made to your policy, as well as any loans or withdrawals, will also affect its values.

Investment transactions

  • Can I automatically rebalance the amounts in the investment options?

    Asset rebalancing is a feature that has been added to AXA's variable life policies purchased after 1985, excluding SP-Flex. Having established your personal investment strategy, you may want to ensure that your original percentages allocated to each investment option remain constant. Asset rebalancing enables clients to periodically redistribute the amounts in the variable investment options of their life insurance policy to restore their original asset allocation. Rebalancing may be done at quarterly, semiannual, or annual intervals. In addition, you pay no income taxes on these transactions.

    You may specify asset allocation percentages for up to eight variable investment options. (The GIA is not available for asset rebalancing.) The allocation percentage you specify for each selected investment option must be at least 5% (whole percentage only); the sum of the percentages must equal 100%. You may not elect the asset rebalancing service if you already participate in the dollar cost averaging service (also referred to as the "automatic transfer service").

    There is no cost for this service. You may request asset rebalancing at any time. You may change the asset rebalancing allocation instructions or terminate the asset rebalancing service at any time.

    Click here for a printable form. Complete and return to the address on the form.

  • Can I automatically rebalance the amounts in the investment options?

    Asset rebalancing is a feature that has been added to AXA's variable life policies purchased after 1985, excluding SP-Flex. Having established your personal investment strategy, you may want to ensure that your original percentages allocated to each investment option remain constant. Asset rebalancing enables clients to periodically redistribute the amounts in the variable investment options of their life insurance policy to restore their original asset allocation. Rebalancing may be done at quarterly, semiannual, or annual intervals. In addition, you pay no income taxes on these transactions.

    You may specify asset allocation percentages for up to eight variable investment options. (The GIA is not available for asset rebalancing.) The allocation percentage you specify for each selected investment option must be at least 5% (whole percentage only); the sum of the percentages must equal 100%. You may not elect the asset rebalancing service if you already participate in the dollar cost averaging service (also referred to as the "automatic transfer service").

    There is no cost for this service. You may request asset rebalancing at any time. You may change the asset rebalancing allocation instructions or terminate the asset rebalancing service at any time.

    Click here for a printable form. Complete and return to the address on the form.

Policy information

  • What information and transaction capability is available through AXA VOICEIT the Interactive Voice Response System?

    Through AXA VOICEIT, you can manage your policy (or policies) by utilizing key words or the 'List My Options' feature. You can request a loan, process a premium payment or request a document - all with the sound of your voice, or you can let your finger-tips do the talking.

    VOICEIT toll free (800) 777-6510 information options

    • Premium Information - Check premiums due and received.
    • Policy Values - Check account value, investment option balances and loan balances.
    • Policy Details - A complete policy review, including policy type, beneficiaries, names of the insured and policy owner, etc...
    • Loan Information - Inquire about borrowing limits or current loan balances.
    • Dividend information - Review how policy dividends are used and paid.
    • Contact Information - Obtain relevant fax numbers, Web addresses and mailing addresses for your financial professional and our service center.

    Transaction options

    • Premium Payment - Process premium payments through your checking account.
    • Loan Request - Borrow against policy cash value.
    • Dividend Disbursement - Modify arrangements for dividend disbursements.
    • Address Change - Make changes in your address-of-record.
    • PIN Changes - Replace existing PIN number with a new one.

    Forms and statements

    • Statement of Insurance - Proof of Insurance or "Certificate of Insurance."
    • Statement of Policy Values - A statement reflecting your current policy values.
    • Checking Account Payments/ACH Terms and Conditions - User agreement and conditions for processing payments from your checking account.
    • Annual Statement - Previous year's activity report and statement.
    • Service Request Form - Multipurpose request form for services that call for additional requirements.
    • Claim Kit - Beneficiary claim form to initiate the claims process.
    • Prospectus and Prospectus Supplements - Request a copy of your policy's current year prospectus and any prospectus supplements (variable life insurance only).
    • Duplicate Billing Notice - Request a copy of your last generated premium statement.
    • Owner/Beneficiary Change Form - Request to change the designation of the beneficiary and/or policy owner listed on the policy.

Living Benefits

  • What is Living Benefits?

    Living Benefits is an enhancement to your AXA insurance policy. It allows you to use a portion of the death benefit from your policy if the insured person is medically diagnosed with a condition limiting life expectancy to six months or less (twelve months or less in Vermont and Oklahoma).

  • How do I include Living Benefits in my policy?

    When introduced, Living Benefits was made automatically available - free of charge - to almost all AXA policies with face amounts of $5,000 or more that were issued prior to March 1, 1994 (or the date of state insurance department approval, if later) on an as needed basis.

    Today, generally speaking, if you apply for an AXA life insurance policy with a face amount of at least $50,000 and which is subject to underwriting, the Living Benefits rider is automatically included - unless you specifically asked to have it excluded. There is no charge if the rider is included at issue. If, however, you initially excluded the Living Benefits rider and wish to add it after the policy has been issued, you will be charged an administrative fee of $100. In addition, we may require that the insured undergo blood testing and provide evidence of insurability to add the rider at a later date.

  • How much money can I get as Living Benefits?

    Generally, you can receive any amount between $5,000 and 75% of the proceeds (25% in Vermont, Oklahoma and Illinois) that would be payable at death, up to a maximum of $500,000. If you own more than one policy, the combined maximum you may request for all policies issued by each AXA subsidiary is $500,000.

  • If I receive a Living Benefits payment, does it affect how much is left to my beneficiaries?

    Yes. A Living Benefits payment acts as a lien against your policy. It reduces the death benefit payable to your beneficiaries. It also reduces the amount of money available for loans as well as the cash value of your policy. The lien equals the amount of the Living Benefits payment you receive, plus accrued interest.

  • Is a Living Benefits payment taxable to me?

    It may be. You should consult with your personal tax advisor on this issue.

  • What happens to my policy if I receive a payment and the insured person lives longer than expected?

    Nothing, unless the amount of the lien (including interest, plus policy premiums advanced by AXA, if any) reaches a point where it equals the total death benefit payable under the policy. In this case, you may repay the lien or let the policy terminate.

Premium payments

  • How can I confirm my premium payment amount?

    Online, through the AXA web site. Login or Enroll. Click on "Account Details" in the "Choose an Option" drop-down box. Premium amount, paid to date, type and mode are shown in the "Premium Information" section.

    By calling our Interactive Voice Response System, AXA VOICE IT. (800) 777-6510, you can confirm the last posted premium payment amount and date it was received. If you have not registered with VOICE IT and established a Personal Identification Number (PIN), you can register by providing your policy number, the last 4 digits of the Owner's Social Security Number and the insured's date of birth.

    When calling VOICE IT, you will be prompted to provide your Policy Number and PIN. At the main menu, say "Premium Information" and you will be provided the premium information including the last premium posted. Premium payments take 1-2 business days to post to your account.

    If you do not have your policy number or PIN available, AXA VOICE IT provides the gateway to personal assisted service, Monday through Friday, 8 AM to 7 PM, Eastern Time: (800) 777-6510. To reach a Customer Service Representative, say "Operator". 

  • How can I confirm my payment has been received?

    Online, through the AXA web site. Login or Enroll. Click on "Account Details" in the "Choose an Option" drop-down box. Premium amount, paid to date, type and mode are shown in the "Premium Information" section.

    By calling our Interactive Voice Response System, AXA VOICE IT. (800) 777-6510, you can confirm the last posted premium payment amount and date it was received. If you have not registered with VOICE IT and established a Personal Identification Number (PIN), you can register by providing your policy number, the last 4 digits of the Owner's Social Security Number and the insured's date of birth.When calling VOICE IT, you will be prompted to provide your Policy Number and PIN. At the main menu, say "Premium Information" and you will be provided the premium information including the last premium posted. Premium payments take 1-2 business days to post to your account.

    If you do not have your policy number or PIN available, AXA VOICE IT provides the gateway to personal assisted service, Monday through Friday, 8 AM to 7 PM, Eastern Time: (800) 777-6510. To reach a Customer Service Representative, say "Operator". 

  • Where can I mail my payment?

    For paying online

    • You must be registered through the AXA web site to make payments online.
    • From the Portfolio Summary page, select "Make A Payment" from "Choose an Option" dropdown box corresponding to the Policy
    • Enter payment amount
    • Enter banking information
    • Click on Submit Payment

    Payments without a bill

    Mailing address

    AXA
    P.O. Box 1047
    Charlotte, NC 28201-1047

    Express mail

    AXA
    AXA National Operations Center
    8501 IBM Drive, Suite 150
    Charlotte, NC 28262

    Please note your policy number on your check and indicate how your payment should be applied, i.e., to premium, loan principal or loan interest. If you don't indicate how your payment should be applied, we will apply it in accordance with the terms of your policy .

  • How can I make online payments on my life insurance policy?

    Online payments can be made for most of your life insurance policies. To make an online payment, you must be registered through the AXA web site:

    • From the Portfolio Summary page, select "Make A Payment"
    • From the "Choose an Option" dropdown box adjacent to a specific life policy.
    • Enter amount that you would like to pay
    • Enter banking information
    • Click Submit Payment

    For policies/contracts that are not available for online payments, please mail your payment to the address shown on your payment coupon for the policy/contract.

  • Can I use my savings account for my online payment or contribution?

    Savings accounts cannot be used for online payments. Only a valid checking account with a valid ABA number from a banking institution can be accepted.

  • Where is my ABA number?

    The ABA number or bank routing number is usually the first 9 digits located on the bottom left of your bank check.

  • Are there any limits to the number of payments that I can make at one time?

    On most life policies you can make the number of payments up to and including the currently dated pay payment required. On variable life policies, you may make one premium payment up to the policy's premium limits.

  • How long does it take to credit my account?

    If your payment is submitted prior to 4PM ET on a regular business day, your Life Insurance policy or Annuity contract will be credited effective that day. You would be able to see this credited payment online on the following business day.

  • Do I have to save my banking information?

    You have the option to either save your banking information or to just use it for that transaction. Your information is protected with encryption and secure socket layer technology. We recommend you use a browser that supports 128-bit encryption.

  • Can I save different bank accounts for different policies?

    No, you can only save one checking account for all of your policies.

  • Do I get a receipt for my payment?

    Once you have reviewed and submitted your payment, you will be presented with a receipt and a reference number. As stated in the Online Services Payment Agreement, it is your responsibility to print this receipt for your records.

  • Can I cancel my payment?

    You have until 4PM ET on a business day to retrieve and cancel your payment transaction.

  • How do I cancel the online payment service?

    If you have previously saved your banking information, you must delete your bank information. You can do this by:

    • Clicking on the "Customer Service Tab"
    • Select "Edit Banking Information" located on the left hand side of the page
    • Delete your banking information
  • How do I change or terminate my checking account?

    You can edit your banking information.

    • Select the "Customer Service" tab
    • Select "Edit Banking Information" from the left navigation
    • Edit your banking information
  • What if my bank statement lists a transaction made using my password that I did not make, or one where the amount is wrong?

    If you notice an error on your bank statement relating to the use of your password, telephone Customer Service at (877) 222-2144 immediately, and write us at the address provided by calling Customer Service. We must hear from you within 90 days after you received your FIRST bank statement reflecting the error. Click on the "Annual Error Resolution Notice" link on this Web site for detailed instructions explaining what you should do in case of an error or a suspected error.

  • If I enroll in the Online Payment Service will I continue to receive all regular correspondence relating to my Policy or Contract that I normally receive?

    Yes, although you will not receive a periodic statement listing the transactions you made using the Service, we will continue to send you any financial confirmation notices we sent to you before you enrolled.

  • If I consent to use the Service, does my consent apply to other online services offered through this Web site?

    No, your consent to this Agreement applies only to the Online Payment Service.

  • Can I authorize AXA Equitable to make automatic debits from my bank account for insurance premium payments or annuity contract contributions?

    No, at this time you may make payments online on a single-transaction basis only. AXA reserves the right to offer automatic debiting authorization in the future. If we do, we will post a notice on the Web site or notify you directly.

  • What is my liability for unauthorized use of my password?

    If you believe your password has been stolen, call Customer Service at (877) 222-2144 at once. If you tell us within 2 business days, you can lose no more than $50. If you do not tell us within 2 business days, and we can prove that we could have prevented further unauthorized use, you could lose as much as $500. If your bank statement shows transfers you did not make, tell us at once. If you do not tell us within 90 days after the statement was mailed to you, you may lose all the money you lost, if we can prove that we could have stopped the unauthorized use of your password.

Loans

  • How can I confirm my policy's current cash value?

    Online through the AXA web site. Login or Register The Portfolio Summary screen will list your policy's Net Cash Surrender Value and the date this value was calculated. Net Cash Surrender Value reflects deductions from your policy's cash value for any loan and loan interest and any surrender charges, if they apply, but does not reflect any payments made under a Living Benefits Rider. Please note that values given may not reflect transactions, credits or deductions processed during the prior or current business day.

    By calling AXA VOICEIT, our Toll Free Interactive Voice Response System at (800) 777-6510, you can obtain your policy information, perform transactions as well as receive a variety of forms and statements. Assisted Service is readily available if you require assistance during business hours.

  • What is the maximum amount I can borrow?

    You can obtain this information online, through the AXA web site. Login or Register. Click on "Loan Request" in the "Choose an Option" drop down box. The available loan amount and current interest rate (which is subject to change by AXA) that would apply to a loan is shown in the" Loan Information" section. Before deciding that a policy loan is the best option, you may want to discuss it with your Financial Advisor and ask for an illustration of how a loan may impact your policy's values. If you choose to process a loan request, you will also want to carefully review the Terms and Conditions available in the AXA web site.

    AXA VOICEIT Interactive Voice Response System offers you the convenience of requesting Loans on your policy 24 hours a day/7 days a week. You can reach AXA VOICEIT, Toll Free at (800) 777-6510. Assisted Service is readily available if you require assistance during business hours.

    The amount that you can borrow, as well as the current interest rate (which is subject to change by AXA) that will be charged on the outstanding loan amount, will be voiced.

    Please note that values given may not reflect transactions, credits or deductions processed during the prior or current business day. You can request a cash loan, if you are the Owner of the policy, by requesting a "Loan Request".

    If your policy is a Modified Endowment Contract (MEC), a policy loan will be taxable to the extent of gain in the policy, and a 10% penalty tax may also apply to the taxable portion of the distribution.

    Please note that any unpaid policy loan balance and interest will reduce your policy's death benefit and cash value. Interest will be billed annually, on your policy's anniversary. If you do not pay the amount due, it will be added to the amount of the loan and next year's interest will be based on this new loan amount. You may make policy loan repayments at any time.

  • How do I request a loan check?

    You can request a loan:

    • Online through the AXA web site. Login or Register Click on "Loan Request" from the "Choose an Option" drop down box.
    • AXA VOICEIT Interactive Voice Response offers you the convenience of requesting loans on your policy 24 hours a day/7 days a week. You can reach AXA Equitaable VOICEIT Toll Free at (800) 777-6510. Assisted Service is readily available if you require assistance during business hours.
  • Do I have to repay the loan?

    You can repay all or part of your loan at any time. Please note that unpaid policy loan balance and interest will reduce your policy's death benefit and cash value.

    Interest will be billed annually, on your policy's anniversary. If you do not pay the amount due, it will be added to the amount of the loan and next year's interest will be based on this new loan amount.

  • What is the effect of a loan on a policy that is a MEC (Modified Endowment Contract)?

    If your policy is a MEC (Modified Endowment Contract) the tax treatment of any death benefit provided under the contract will still qualify for income tax free treatment. However, you may be subject to additional taxes and penalties on any distributions from your policy during the lifetime of the insured. Any distribution from a policy that is a MEC will be taxed on an "income-first" basis. Distributions for this purpose include a loan (including any increase in the loan amount to pay interest on an existing loan or an assignment or a pledge to secure a loan) or withdrawal. Any such distributions will be considered taxable income to you to the extent there is gain in the policy at the time of distribution. That is, the distribution will be includible in income up to the amount your account value exceeds your basis in the policy.

    A 10% penalty tax also will apply to the taxable portion of most pre-age 59 1/2 distributions from a policy that is a Modified Endowment Contract.

Unit prices

  • How can I check daily unit prices?

    Daily unit prices can be obtained:

    • Online, through the AXA web site. Login or Register. Click on "Unit Values" from the "Choose an Option" drop down box.
    • AXA VOICEIT Interactive Voice Response offers you the convenience of requesting the Unit Prices on your policy funds, 24 hours a day/ 7 days a week. You can reach AXA VOICEIT, Toll Free at (800) 777-6510. Assisted Service is readily available if you require assistance during business hours.
  • Can I check the investment options mutual fund listings?

    The investment options available to you through your AXA variable life insurance policy are not publicly traded funds and do not appear in the mutual fund listings that are published in many daily newspapers. Barron's, a financial weekly newspaper, does include a listing for variable annuities and life accounts in its "Market Week" section. The unit price, four-week percent total return and a 52- week percent total return is reported (as of a specified date) for the investment portfolios available for selected AXA variable life policies.

  • Can I download values into Quicken?

    Programs like Quicken and Microsoft Money use ticker symbols of publicly-traded stocks and retail mutual funds to gather their data. Neither your AXA policies nor the funds that back them are retail mutual funds and therefore do not have ticker symbols. The investment portfolios that you have access to within your policy or contract do not have ticker symbols, so you won't be able to look them up on mutual fund sites to determine their most current price.

    The AXA web site, your online information source for the status and current values of your AXA life and annuity contracts, does provide you with the most recent closing price for all the investment portfolios you have available to you. In addition, EQAccess also displays monthly and quarterly annualized rates of return for the portfolios available within our variable life and annuity contracts. Login or Register

    Please remember that while several of your variable investment options do indeed have substantially similar investment strategies and policies of publicly traded mutual funds, they are subject to different management fees and expenses. Furthermore, the actual performance under your individual policy or contract reflects insurance-related charges, which would not apply in a typical mutual fund. In general, you should be aware of the differences when comparing performance of mutual funds and their variable annuity or variable life counterpart portfolios. Major factors that can contribute to these differences include:

    • The portfolio's underlying fee structure (management and administrative expenses)
    • Insurance and contract related charges in addition to management expenses (not applicable to mutual funds)
    • The timing of the portfolio's purchase and sale of securities; differences in cash flows (new sales and redemptions); and, other strategies employed by the fund manager for tax purposes (not applicable to variable portfolios given their tax-deferred status)
  • Why is "Unit Value" shown as NA in the AXA web site?

    Due to a technical problem, the AXA web site is currently unable to retrieve the value of units in that fund. This is only a temporary problem and you should try again later.

  • Why do the unit values for the same investment option differ?

    Unit values for the same investment option under different variable products may differ because:

    • The types or level of charges deducted before the unit value is calculated may differ by product. Check your policy/contract prospectus for detail on charges for the particular product.
    • The policies/contracts were introduced in different years and a new set of unit prices was established.

    Note that although the two products may have different unit values for the same investment option, the annualized rates of return for the products may in fact be the same. You can access performance/rate of return information from the Portfolio Summary screen of the AXA web site.