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EQUI-PATH 403(b) Mutual Fund

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Employee Benefits


Third party financial professionals

For Life Insurance Only call (800) 924-6669

Business Strategies

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For Customers, Financial Professionals and Employees

New to AXA? Need to register?

For Employer Plan Administrators

Retirement Gateway, Retirement Strategies or Momentum
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EQUI-PATH 403(b) Mutual Fund

EQUI-VEST®

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

Phone

  • (800) 628-6673

  • Monday - Thursday 8:00 AM - 7:00 PM ET
    Friday 8:00 PM - 5:00 PM ET

Service requests or inquiries

  • Mailing address 

    EQUI-VEST® Processing Office
    P.O. Box 4956
    Syracuse, New York 13221

  • Express mail 

    EQUI-VEST® Processing Office
    100 Madison St., Suite 1000
    Syracuse, New York 13202


Contributions

IRA, NQ (Non-Qualified), QP & Roth

  • Mailing address 

    EQUI-VEST® Individual Annuity Lockbox
    P.O. Box 13459
    Newark, NJ 07188-0459

    To ensure that payments are processed as quickly as possible, use the address listed on the Contribution Statement.

  • Express mail 

    JPMorganChase
    EQUI-VEST® Lockbox 13459
    4 Chase Metrotech Center (7th Floor)
    Brooklyn, NY 11245-0001
    Attn: Extraction Supervisor


    *Phone number for Express Packages - (718) 242-2992

TSA, SEP, SARSEP, EDC, Trusteed, HR-10 and Unit Billed IRA or NQ

  • Mailing address

    EQUI-VEST® Unit Annuity Lockbox
    P.O. Box 13463
    Newark, NJ 07188-0463
    (For contributions remitted by the employer or Plan Administrator)

  • Express mail 

    JPMorganChase
    EQUI-VEST® Lockbox 13463
    4 Chase Metrotech Center (7th Floor)
    Brooklyn, NY 11245-0001
    Attn: Extraction Supervisor


    *Phone number for Express Packages - (718) 242-2992


Loan payments

TSA and corporate trusteed contracts

  • EQUI-VEST®Loan Lockbox
    P.O. Box 13496
    Newark, NJ 07188-0496

    To ensure that payments are processed as quickly as possible, use the address listed on the Loan Billing Statement.

If you need additional information, you may also send us a request.

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 the request form on your computer's printer or you can login or enroll for online account access to perform these transactions online.

Change address (PDF*)

Change allocation of future contributions (PDF*)

Transfer amounts among investment options (PDF*)

Online contributions quick reference card (PDF*)

The following service requests cannot be completed online at this time. A written request by the contract 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.

Asset rebalancing (PDF*)

Automatic Investment Program (PDF*)

Beneficiary change (PDF*)

Billing - change frequency (PDF*)

Dollar Cost Averaging (Investment Simplifier Program)
for EQUI-VEST contracts only (PDF*)

Dollar Cost Averaging (Investment Simplifier Program)
for EQUI-VEST Express contracts only (PDF*)

Name change (PDF*)

Telephone Operated Program Support (TOPS) Enrollment (PDF*)

Minimum distribution (PDF*)

Procedures for SIMPLE IRA Withdrawal/Rollovers (PDF*)

Notice Regarding Your SIMPLE IRA Account (PDF*)

EQUI-VEST Series 201 - TSA and EDC contracts only

Asset rebalancing - 201 

Dollar Cost Averaging - 201 

Telephone Operated Program Support (TOPS) Enrollment - 201

* These forms are Portable Document Format (PDF) files. If your browser is not yet capable of reading PDF files, you can download the free Adobe® Acrobat Reader™ here

When you have completed and signed the form, please return it to the address indicated.

If you need additional information, send us your request.

Common Questions

Account information

  • What information is available through the AXA web site?

    Online account access through the AXA's web site provides a consolidated view of your life and annuity contracts, 24 hours, 7 days a week. Please note that not all EQUI-VESTSM Contracts are the same and may have different features or provisions depending on the type of contract, state of issue and date of purchase. Please refer to your Contract or Prospectus for detailed information. Login or Register to:

    • Check Account Details Plan type, ownership and account value Total contributions Investment option balances, investment allocation and daily fund prices Fixed Maturity rates
    • Manage Your Portfolios Transfer amounts among investment options Change the investment allocation for future contributions Make an online contribution to your IRA or Non-Qualified Annuity Sign up for electronic delivery of statements
    • Review Investment Performance Annualized year to date, 1 year, since inception, and where available, 3, 5, and 10 year performance Investment objectives, strategy, portfolio composition and top 10 holdings for all options Read the most recent Quarterly Portfolio Highlights
    • Click the 'Customer Service' tab to: Change your address online Find answers to frequently asked questions about your annuity contract Print service forms. You must be registered in the AXA web site and accept our online services agreement before using this service. Online access is only available on the terms and conditions set forth in the agreement, which are subject to change. Restrictions apply to prevent market timing activities.
  • What information is available through the Telephone Operated Program Support (TOPS)?

    You can obtain account information, account values, daily unit values, make transfers among investment options, change allocations for future contributions and establish the Investment Simplifier program by calling (800) 755-7777, 24 hours a day, 7 days a week. A Personal Identification Number (PIN) is required to transfer amounts or change allocations. If you do not have a PIN or do not remember the 5-digit number, please complete a TOPS enrollment form and mail as instructed on the form. You can print this form by clicking here.
    • How can I enroll in TOPS?
      Print an enrollment form (click here); complete, sign and return to our Processing Office.
    • How can I find out what my TOPS PIN is?
      Please call the Customer Service Area at (800) 628-6673 Monday through Thursday from 8:00 AM to 7:00 PM and 8:00 AM to 5:00 PM on Friday ET. A representative will send you an application for a new PIN. For your security, we are not able to give you a PIN number over the phone. Or, print an enrollment form (click here) complete, sign and return to our Processing Office.
    • How does TOPS compare to online access?
      In terms of functionality, the main difference between the two systems is that the AXA web site provides access to investment performance. You can view performance - annualized year to date, 1 year, since inception, and where available, 3, 5 and 10 year - and review objectives, strategy, portfolio composition and top 10 holdings for all fund options. Please note that access to TOPS is subject to AXA's terms and conditions, which are subject to change. Restrictions apply to prevent market timing activities.
  • What information is provided through Periodic Statements?

    You will receive a confirmation notice every time there is a financial transaction in your account; these include any additional contributions you make to your contract, money transfers and other transactions. You will receive a Statement of Account, which provides investment performance information and current annuity values by investment option, for any quarter in which there was a financial transaction under your contract, and for the final quarter of the year. You will also receive an Annual Statement, showing your annuity balance, that is sent shortly after the annual anniversary date of your EQUI-VESTSM contract.  Now, you can request that this information (with the exception of your Annual Statement) be delivered electronically and stop receiving paper copies of these documents through the US Mail.

    Login or Register on the AXA web site to select the Your Documents tab and click on Enroll in Electronic Delivery.

Death benefits

Financial professional

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 available to you.
  • How is the value of the investment options determined?

    Amounts that you allocate under your variable annuity contract 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.

    Daily Unit Values are available online, for most variable life and annuity contracts, through the AXA web site. From the Portfolio Summary screen, click on the contract number to view unit prices and account details.The investment options available under your variable 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.

  • What is the current Guaranteed Interest Option interest rate?

    The current interest rate, and how long the interest rate is guaranteed, is displayed at the bottom of the Account Details screen in the AXA web site. To find out what the lifetime guaranteed minimum interest rate is for the Guaranteed Interest Option for your contract, please refer to your contract for details.

Investment transactions

  • How can I transfer funds?

    If you are the contract owner, you may transfer amounts between investment options by:
    • Performing the Investment Option transfer on-line, using the AXA web site. Login or Register
    • Calling TOPS at (800) 755-7777 and pressing 3 to initiate a transaction. Please note that you will need a PIN to process a transfer. If you do not have a PIN or do not remember the 5-digit number, please complete and mail to our Processing Office a TOPS enrollment form which you can print by clicking here.
  • How can I change allocations?

    If you are the contract owner, you change your future contribution allocation by:
    • Performing the change on-line, using the AXA web site. Login or Register
    • Calling TOPS at (800) 755-7777 and pressing 3 to initiate a transaction. Please note that you will need a PIN to process a change. If you do not have a PIN or do not remember the 5-digit number, please complete and mail to our Processing Office a TOPS enrollment form which you can print by clicking here.

Loans and withdrawals

  • Can I borrow the value of my annuity contract?

    Loans may be available from Tax Sheltered Annuity (TSA) and/or Corporate Trusteed Contracts if the Plan allows loans to be taken. Please be aware that you can only have one outstanding loan on your contract. Contact a Customer Service Representative at (800) 628-6673 to verify whether your contract allows loans.  

    Please note that if you currently have an active loan balance, the loan principal amount shown in the AXA web site does not reflect interest due since the last loan payment due date. Please contact a Customer Service Representative for this information.

  • Do I need spousal consent to borrow?

    This only applies to certain plans. For TSA plans subject to the Employee Retirement Income Security Act of 1974 (ERISA) and all Corporate Trusteed plans, if the participant is a current or former participant in one of these plans, the spouse's consent is required for any payment other than in the form of a Qualified Joint and Survivor life annuity.  Spousal Consent is required for loans, as the spouse is entitled to benefits under the retirement plan according to the Retirement Equity Act of 1984 (REA).
  • How do I make a withdrawal from my annuity contract?

    Please contact a Customer Service Representative at (800) 628-6673 Monday through Thursday from 8:00 AM to 7:00 PM and 8:00 AM to 5:00 PM on Friday ET to get the correct form(s) needed to execute a withdrawal.  

    There may be limits on your ability to take a withdrawal from certain retirement plans. Also, there may be tax consequences and charges associated with making a withdrawal.

  • How is the free corridor determined on a withdrawal?

    For certain EQUI-VESTsm products, a Contingent Withdrawal Charge (CWC) will not be applied during any contract year in which the amount withdrawn does not exceed 10% of the Annuity Account Value (15% for Series 800 and 801 contracts) at the time the withdrawal is requested, minus any amount previously withdrawn during the Contract Year.
     
    Any withdrawal amount that exceeds the free corridor amount will be subject to a CWC. A contract year is the 12-month period beginning on either the contract date or each anniversary of the date. The contract year is called "Participation Year" in the group contracts. Please refer to your Contract or EQUI-VESTsm Prospectus for more information or call a Customer Service Representative at (800) 628-6673.
  • Are there tax consequences for withdrawing funds from my contract?

    Depending on the type of contract you have and your individual circumstances, a withdrawal could disqualify your contract from special tax treatment, be taxable and/or subject to tax penalties. AXA offers many different tax-deferred products, such as Tax Sheltered Annuities (TSA), IRAs and non-qualified annuities. We do not give tax and legal advice. We suggest that you contact a tax advisor to review your particular circumstances.

  • Will taxes be withheld on a withdrawal?

    It depends on the type of contract and other factors.  Distributions that are subject to 10% Federal Income tax withholding are:

    • Minimum Distributions from TSAs and Qualified Plans
    • Other Distributions from TSAs and Qualified Plans, which are not eligible rollover distributions, such as a death benefit to non-spouse
    • Non-periodic distributions from all forms of IRAs, unless you are eligible and ask us not to withhold on your Request for Disbursement
    • The taxable amount of non-periodic distributions from Non-Qualified annuities, unless you are eligible and ask us not to withhold on your Request for Disbursement.

    Distributions that are subject to 20% Federal Income Tax withholding are eligible rollover distributions from TSAs, Annuitant-Owned Keogh/HR-10 contracts or other Qualified Retirement plans (including non-transferable Annuities) paid to you and not rolled over.

    Distributions to Foreign Nationals are subject to 30% Federal Income Tax withholding unless the payment is eligible for a lower tax treaty rate and the recipient properly documents eligibility before the disbursement is processed.

  • Do I need spousal consent for a withdrawal?

    This only applies to certain plans. For TSA plans subject to the Employee Retirement Income Security Act of 1974 (ERISA) and all Non-Trusteed Keogh (HR-10) plans and contracts which were formerly trustee owned: If the Annuitant is a current or former participant in one of these plans, the spouse's consent is required for any payment other than in the form of a Qualified Joint and Survivor life annuity.  

    Spousal Consent is required for loans, withdrawals or surrenders, as the spouse is entitled to benefits under the retirement plan according to the Retirement Equity Act of 1984 (REA). For Trusteed (Corporate and Keogh (HR-10)) plans, the Trustee, by signing the disbursement request form as Contract Owner, certifies that either spousal consent will be received by the Trustee prior to distribution, or that the Annuitant is unmarried and that the notice required by the Internal Revenue Code will be or has been given to the Annuitant, or a former annuitant of a Qualified Retirement Plan.

Mailing addresses

  • How can I change the address on my contract?

    To change your address:
  • Where can I mail service requests?

    Mailing address

    EQUI-VESTsm Processing Office
    P.O. Box 4956
    Syracuse, NY 13221

    Express mail

    AXA
    EQUI-VESTsm Processing Office
    1 MONY Plaza
    Syracuse, NY 13202

  • Where can I mail a contribution?

    To ensure that payments are processed as quickly as possible, use the address listed on the Contribution Statement. EQUI-VESTsm addresses are as follows:

    IRA and NQ (Non-Qualified)

    Mailing address

    EQUI-VESTsm Administration Office
    P.O. Box 13459
    Newark, NJ 07188-0459

    IRA and NQ

    Express mail

    AXA
    c/o JPMorgan Chase
    4 Chase Metrotech Center
    NY Remit One Image Lockbox 7th Floor
    Attn.: Box 13459
    Brooklyn, NY 11245-0001
    Attn: Extraction Supervisor, (718) 242-2992

    TSA, SEP, SARSEP, EDC, Trusteed, HR-10 and Unit Billed IRA or NQ

    Mailing address

    EQUI-VESTsm Administration Office
    P.O. Box 13463
    Newark, NJ 07188-0463
    (For contributions remitted by the employer or Plan Administrator)

    TSA, SEP, SARSEP, EDC, Trusteed, HR-10 and Unit Billed IRA or NQ

    Express mail

    AXA
    c/o JPMorgan Chase
    4 Chase Metrotech Center
    NY Remit One Image Lockbox 7th Floor
    Attn.: Box 13459
    Brooklyn, NY 11245-0001
    Attn: Extraction Supervisor, (718) 242-2992 (For contributions remitted by the employer or Plan Administrator)

  • Where can I mail a loan payment?

    To ensure that payments are processed as quickly as possible, use the address listed on the Loan Billing Statement. EQUI-VESTsm addresses are as follows:

    TSA and Corporate Trusteed Contracts

    EQUI-VESTsm Loan Repayment
    P.O. Box 13496
    Newark, NJ 07188-0496

Minimum distribution

  • What is a Required Minimum Distribution?

    Federal Income Tax Rules generally require that you start taking lifetime "Required Minimum Distributions" of your retirement benefits (including amounts held in qualified plans, traditional IRAs, SEPs/SARSEPs, SIMPLE IRAs, TSAs and EDCs) the year you attain age 70 1/2 and annually thereafter.

    You may elect our Automatic Withdrawal Option, under which we will calculate and pay your lifetime required minimum distribution from your annuity contract automatically each year. Please refer to your policy prospectus and the Terms and Conditions on the form for questions that may apply to your specific product.

    If you do not withdraw your minimum distribution each year, you may be subject to a federal penalty tax of 50% on the difference between what you received from your retirement program and what you are required to receive under the minimum distribution rules.

    Contact your AXA financial professional to discuss your plans for beginning your minimum distributions, or contact a Customer Service Representative at (800) 628-6673 for more information.

Online contributions

  • How can I make a contribution on my annuity contract?

    You will be able to make contributions for EQUI-VESTsm Non-qualified and IRA contracts. You must be Registered through the AXA web site to make a payment online.
    • From the Portfolio Summary, select "Make A Payment" from "Choose an Option" dropdown box corresponding to the EQUI-VESTsm contract
    • Enter payment amount
    • Enter banking information
    • Click on 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 contributions 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 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 Payment Services 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 by:
    • Clicking on the "Customer Service" tab
    • Select "Edit Banking Information" located on the left hand side of the page.
    • Edit your banking information

    Please note that in some instances, online payments may not be available for a specific policy/contract. Instead, please mail your payment to the address shown on your payment coupon.

  • Where can I mail a contribution?

    To ensure that payments are processed as quickly as possible, use the address listed on the Contribution Statement. EQUI-VESTsm addresses are as follows:

    IRA and NQ (Non-Qualified)

    Online contribution

    You must be enrolled in EQAccess to make a payment online.

    • From EQAccess Portfolio Summary, select "Make A Payment" from "Choose an Option" dropdown box corresponding to the EQUI-VEST contract
    • Enter payment amount
    • Enter banking information
    • Click on 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.

    Mailing address

    EQUI-VESTsm Administration Office
    P.O. Box 13459
    Newark, NJ 07188-0459

    IRA and NQ

    Express mail

    AXA
    c/o BankOne, N.A.
    300 Harmon Meadow, Blvd., 3rd Floor
    Attn.: Box 13459
    Secaucus, NJ 07094

    TSA, SEP, SARSEP, EDC, Trusteed, HR-10 and Unit Billed IRA or NQ

    Mailing address

    EQUI-VESTsm Administration Office
    P.O. Box 13463
    Newark, NJ 07188-0463
    (For contributions remitted by the employer or Plan Administrator)

    TSA, SEP, SARSEP, EDC, Trusteed, HR-10 and Unit Billed IRA or NQ

    Express mail

    AXA
    c/o BankOne, N.A.
    300 Harmon Meadow Blvd., 3rd Floor
    Attn.: Box 13463
    Secaucus, NJ 07094
    (For contributions remitted by the employer or Plan Administrator)

  • 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 (800) 628-6673 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 to make automatic debits from my checking or savings account for annuity contract contributions?

    Yes, you can have money transferred from your bank, money market or credit union checking or savings account into your EQUI-VESTsm or EQUI-VEST Express contract. Click here for a printable form
  • What is my liability for unauthorized use of my password?

    If you believe your password has been stolen, call Customer Service at (800) 628-6673 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.

Owner / Beneficiary

  • Can a contract have a joint-owner?

    On certain Non-Qualified Contracts you can name a joint-owner. Please check with your Financial Professional or contact a Customer Service Representative at (800) 628-6673 for more information.
  • How can I change the beneficiary on my annuity contract?

    The beneficiary can be changed at the written request of the contract owner. Click here to print a request form and instructions. After completing and signing, return to us at the address noted on the form

  • Do I need spousal consent to change a beneficiary?

    This only applies to certain plans. For TSA plans subject to the Employee Retirement Income Security Act of 1974 (ERISA) and all Non-Trusteed Keogh (HR-10) plans and contracts which were formerly trustee-owned: If the Annuitant is a current or former Annuitant in one of these plans, the spouse's consent is required for any payment other than in the form of a Qualified Joint and Survivor life annuity.

    Spousal Consent is required for loans, withdrawals or surrenders, as the spouse is entitled to benefits under the retirement plan according to the Retirement Equity Act of 1984 (REA). For Trusteed (Corporate and Keogh (HR-10)) plans, the Trustee, by signing the disbursement request form as Contract Owner, certifies that either spousal consent will be received by the Trustee prior to distribution, or that the Annuitant is unmarried and that the notice required by the Internal Revenue Code will be or has been given to the Annuitant, or a former annuitant of a Qualified Retirement Plan.

    If an Annuitant were naming someone other than his/her spouse as the beneficiary of a contract that is subject to ERISA, he/she would need to have his/her spouse's signature as well as his/her own. The spouse would be agreeing to have someone other than himself or herself assigned as the beneficiary, and would need to have their signature notarized. By their signature they are agreeing to forfeit their entitlement to the benefits of the contract. If the participant is not married, they would need to state that on the beneficiary request form and have their signature notarized.

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 multiple 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.
  • What are key points on Performance Information reports?

    Some information to keep in mind as you review the month-end and the quarter-end reports through the AXA web site:
    • Annualized rates of return are based on the percentage change in net asset value with dividends and capital gains reinvested
    • Investment Performance of the EQ Advisors Trust (the Trust is a registered investment company which holds portfolios that correspond to the investment options available under your variable annuity contract) is calculated after deduction of investment management fees and direct operating expenses of the Trust
    • The investment options available under your variable 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 EQ 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 details 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 contract. Changes in contract values depend not only on the investment performance of the various options, but also on applicable contract and administrative charges, applicable sales charges and the mortality and expense risk charges that are deducted. Contributions made to your contract, as well as any loans or withdrawals, will also affect its values.

Roth IRA

  • What is a Roth IRA?

    A Roth IRA is a special "after-tax" IRA that was established under the Taxpayer Relief Act of 1997.

  • Who is eligible to set up a Roth IRA?

    There are two ways you can contribute: either by regular contributions or rollovers from another Roth or a Traditional IRA. Unlike Traditional IRAs, you may contribute past age 70 1/2 as long as you are receiving compensation.  

    Single filers with a maximum earned income of $116,000 and married filers filing jointly with a maximum earned income of $169,000 can contribute up to $5,000. If a single filer has earned income between $101,000 and $116,000 and a joint filer has an earned income between $159,000 and $169,000, they may contribute a reduced amount.
  • What are the contribution limits?

    Generally, $5,000 is the maximum amount, which may be contributed annually to all Roth IRAs maintained by an individual in any taxable year. This limit may be less when the individual's earnings are below $5,000. The $5,000 annual limit does not apply to a rollover or a direct transfer into a Roth IRA.

    Contractholders over age 50 may be eligible to make "catch-up" contributions of up to $1,000.

    Year : 2008 and later

    • Contribution Limit for all IRAs: $5,000 (indexed in $500 increments)

    You cannot make conversion contributions if your adjusted gross income is more than $100,000 in any year.

    You should contact your CPA/Tax Advisor for the specific amount that you are allowed to contribute and to find out about the special tax rules concerning converting Traditional IRAs to Roth IRAs.

  • When must the contribution be made?

    The contribution for a given tax year must be made by April 15th of the following year, excluding extensions. A conversion must take place by 12/31 (year-end).
  • Is the contribution deductible by the taxpayer?

    No

  • How do I open a Roth IRA?

    To open a Roth you must see your Financial Professional and complete an application. The phone number of your Financial Professional can be found online, through the AXA web site. Choose Account Details from the Portfolio Summary page. Your Financial Professional's phone number is provided at the bottom.
  • Can I convert to a Roth IRA?

    You may convert your Traditional IRA or QP-IRA to a Roth IRA. This can either be a full or partial conversion. The conversion is taxable in the year in which the conversion takes place. You cannot make conversion contributions if your adjusted gross income is more than $100,000 in any year.
  • Can I rollover a TSA into a Roth IRA?

    No, you must rollover a TSA into a Traditional IRA first, if you are eligible. Then you would convert the Traditional IRA into a Roth IRA. Check with your Financial Professional to see if you are eligible to roll your TSA into a Traditional IRA and to complete all application and enrollment forms.

Unit prices

  • How can I check daily unit prices?

    Daily unit prices can be obtained:
    • Online, through The AXA web site. From the Portfolio Summary screen, click on the contract number to view unit prices and account details.
    • By calling TOPS, our toll-free automated system at (800) 755-7777 - press option 1 and select "daily unit values" to hear unit prices for the investment options available under your contract.

    The investment options available under your variable 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.

  • Why does "Unit Value" show as NA in the AXA web site?

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

  • Can I check the investment options in mutual fund listings?

    The investment options available to you through your AXA variable annuity contract 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 annuities. The Wall Street Journal, every Monday, lists Variable Annuities in the "Money and Investing" section (Section C). Look for "AXA Equitable Life Insurance Company."
  • 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 contracts 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, Online access also displays monthly and quarterly annualized rates of return for the portfolios available within our variable life and annuity contracts.

    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 and contract 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 do unit values for the same investment option differ between different variable products?

    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.

Required minimum distribution

  • How has the calculation of the minimum required distribution amount changed?

    The Proposed Treasury Regulations significantly simplified the "account-based" method of calculating the minimum required distribution amount.  

    Among other things, the regulations provide the use of a single life expectancy table based solely on the life of the participant for most situations when the participant reaches his or her required beginning date. The only exception is when the sole primary beneficiary is a spouse who is more than ten years younger than the participant. In this situation the Joint Life and Last Survivor Expectancy table may be used.

    The individuals who are required to take minimum distributions will most likely be able to take smaller amounts from their account each year, allowing more of their assets the potential to grow. The RMD amount and tax savings, if any, will depend on the age and value of the participant's retirement account.

    A participant does not have to choose whether to recalculate or not to recalculate. The factor to use in dividing the account value will depend upon the individual's age as of the year of the distribution.

    A person can change his/her beneficiary after age 70 1/2 without affecting his/her RMD.

  • Can a RMD election be changed based on the new rules?

    Yes, the Proposed Treasury Regulations permit participants to change from a previously irrevocable RMD method to a new method.
  • Will participants still be required to take annual RMDs?

    Yes. Participants will still be required to take annual RMDs starting on their required beginning date which remains unchanged.
  • If a participant has multiple IRAs, can RMDs still be taken from one IRA custodian?

    Yes, a participant may take the distribution from one IRA to satisfy distribution requirements for all IRA contracts.
  • If a participant has multiple TSAs, can RMDs be taken from one?

    Yes, a participant may take the distribution from one TSA to satisfy distribution requirements for all TSA contracts.
  • Can distributions be taken from an IRA to satisfy all IRA/TSA requirements?

    No. Separate calculation is required for IRAs and TSAs.