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MONY life insurance product support

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

Phone

  • (800) 487-6669

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

Phone and fax numbers

  • Customer service representatives

    (800) 487-6669

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

  • Fax

    (866) 505-0260


Service requests or inquires

  • Mailing address

    MONY Life Insurance Processing Office
    P.O. Box 4830
    Syracuse, NY 13221

  • Express mail

    MONY Life Insurance Processing Office
    5788 Widewaters Parkway
    Syracuse, NY 13214


Payments

  • Premium or loan repayment without a billing notice

    MONY Life of America
    P.O. Box 4830
    Syracuse, NY 13221

    To ensure that payments are processed as quickly as possible, use the address listed on your premium notice.

  • Online through the AXA website


    Click on "Make a Payment" from the "Choose an Option" drop down box."

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.

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.

Requests for most variable life products may be submitted online.

These forms are Adobe® Portable Document Format (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. You may also request these forms be mailed to you by calling our toll-free number, (800) 487-6669 and speaking to a Customer Service Representative.

If you need additional information, send us your request.

Common Questions

Beneficiary information

  • What is a beneficiary?

    The beneficiary is the person(s) designated in the policy to receive the death proceeds in the event of the Insured's death.

  • Can I designate my minor child as a beneficiary?

    Yes. If proceeds become payable to a child during his/her minority, we will pay the court-appointed guardian for the estate of the child. The minor's parent automatically serves as guardian of the minor's person but not his/her estate.

    Alternative suggestion: The policy owner should consider designating a Custodian to receive, manage, invest and distribute the proceeds for the minor under the Uniform Transfers to Minors Act. Ex: John Doe as custodian for Bobby Smith, a minor born 3/3/98, under the NY UTMA. When the minor reaches the age of majority, the custodianship terminates and the balance of any funds are distributed to the child.

  • Can I designate my revocable trust as beneficiary?

    Yes, simply indicate the name of the trustee(s), the name of the trust, the date of the trust and the name(s) of the grantors in Section 1 of the Title Change Form. Sample wording: XYZ Bank as trustee or the successor trustee under an agreement known as the John Smith Living Trust dated 01/01/98, made by and between John Smith and said trustee. Click here for a printable form.

  • When is my change of beneficiary effective?

    Any change of beneficiary will take effect as of the date the form was signed, provided is has been accepted and recorded at the Operations Center, subject to any payment made by us or action taken by us before receipt of the request at our Operations Center.

  • Can I designate multiple persons as primary beneficiary?

    Yes. Simply indicate the relationship(s) to the insured person(s) along with the full names of the proposed beneficiaries. All primary beneficiaries should be listed in Section 1 under First Beneficiary(ies). Joint beneficiaries will receive equal shares proportionate to the number of those beneficiaries who survive the insured.

  • What should I do to change my beneficiary now that I am recently married?

    A Title Change form (10481) should be completed, dated and signed. Indicate the new beneficiaries in Section 1 (be sure to indicate the full name and relationship of each person to the insured). Your change of name can also be indicated on the form in the space directly under the policy number. Click here for a printable form.

  • Must I complete a new change of beneficiary request form to reflect a change in the beneficiary's name due to marriage or divorce?

    No. Simply write to us at

    MONY Life of America
    P. O. Box 4830
    Syracuse, NY 13221

    advising us that your beneficiary, Jane Doe, has changed her name to Jane Smith. Provide her new address, if appropriate. We will make note of this information. No forms are necessary. Please be sure to include your policy number(s).

  • Can I use one form to change the beneficiary on all of my MONY policies/contracts?

    Multiple policies may be indicated on each Title Change form (10481). However, separate forms must be used for each insured,except in the case of a Multi-Life policy. Click here for a printable form.

  • What is a Rights holder?

    The person who can exercise rights is the rights holder of the policy. This term is synonymous with Owner, the individual who can exercise all rights under the provisions of the policy.

  • How does a Divorce impact my Beneficiary Designation?

    If you are required to designate an ex-spouse or children as beneficiary(ies) pursuant to a divorce decree or order, then the decree should be submitted to us. We will conform the beneficiary designation to the terms of the decree. If you currently have your ex-spouse listed as beneficiary, then you should either change the beneficiary to reflect your new choice of beneficiary or to reconfirm your desire to designate the ex-spouse despite the divorce. In most states, a divorce does not automatically extinguish the rights of an ex-spouse as beneficiary. Therefore, an Insured who inadvertently leaves his/her ex-spouse as beneficiary of record may cause payment of the death benefits to the ex-spouse even though such payment is contrary to his/her intent.

Lost policy

  • How do I replace a policy that has been lost?

    Once you have determined that the policy is lost and not temporarily misplaced, please advise us by completing a Certification of Loss or Destruction of Policy/Contract form(3551)and mailing it to the address shown.

    Click here for a printable form.

    (If someone is holding the policy and refusing to surrender it due to an adverse death claim, the policy is not considered lost and you should advise us of the circumstances of the claim.)

Dividends

  • What are policy dividends?

    Policy dividends are a return of divisible surplus to the owners of participating policies. Dividends are based on factors which change from year to year including investment earnings, mortality experience and expenses. Dividends are not guaranteed.

  • What are the available dividend options?

    MONY has a wide variety of dividend options to choose from. For example, dividends can be: used to purchase paid-up additional insurance coverage

    • sent in cash
    • used to reduce the premium
    • left with the company to earn interest (which would be reported to the IRS via a 1099INT).

    Other dividend options may be available from time to time.

  • Can dividends be withdrawn?

    Yes. The available cash value of any dividend additions and/or deposits may be: withdrawn in cash

    • used to pay premiums on the same policy
    • used to repay outstanding loan balances

    Such withdrawals will affect the total death benefit payable but will not affect the base policy face amounts.

Payments

  • What are the billing options available on my policy?

    We offer a number of payment modes that may be available to pay premiums. Annual billing is the least expensive due to our lower billing costs and immediate interest earnings on the annual premium received.

    • Annual - Will require payment of the full year's payment on the policy anniversary date
    • Semi-Annual - Will require payments at six-month intervals, with one premium due on the policy anniversary date
    • Quarterly - Will require a payment at three-month intervals, with one premium due on the policy anniversary date
    • Monthly - Automatic payments under our MONY-Matic plan. Click here for a printable form.
  • Do I have an option to have premiums automatically withdrawn from my checking account?

    Yes! We offer a convenient MONY-Matic payment method, which allows monthly premiums to be automatically withdrawn from your checking account. You can do this by completing our MONY-Matic Authorization form. Click here for a printable form.

  • 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 in the AXA website
    • From Portfolio Summary, 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.

  • How can I confirm my premium payment amount?

    Online, through the AXA website. Login or Register.

    Click on "Account Details" in the "Choose an Option" drop-down box.

    Premium amount, premium due date, billing type and frequency are shown in the "Premium Information" section. By calling our Interactive Voice Response System, (800) 487-6669, you can confirm the premium amount, frequency and premium due date.

  • How can I confirm my payment has been received?

    Online, through the AXA website. Login or Register.

    Click on "Account Details" in the "Choose an Option" drop-down box.

    Premium amount, premium due date, billing type and frequency are shown in the "Premium Information" section. By calling our Interactive Voice Response System, (800) 487-6669, you can confirm the last payment made and the date it was received.

  • Where can I mail a premium payment?

    To ensure that payments are processed as quickly as possible, use the information listed below: From the Portfolio Summary page, select "Make a Payment" from the "Choose an Option" drop-down box corresponding to the policy

    • 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

    Online payment
    You must be registered in the AXA website to make a payment online.

    Mailing address
    MONY Life Insurance Company
    PO Box 4720
    Syracuse, NY 13221-4720

    Express mail
    MONY Life Insurance Company
    120 Madison Street
    Syracuse, NY 13202

  • 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

    • Selecting the "Customer Service Tab"
    • Select "Edit Bank Account" located on the right 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 Bank Account" located on the right 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.

  • 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 website?

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

  • 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.

Policy values

  • What is total death benefit?

    The amount payable to a beneficiary upon the death of the insured. This generally represents the face amount of the base policy, the face amount of any additional coverage on the insured provided under a rider, the face amount of any dividend additions, the cash value of any dividend deposits, less any outstanding indebtedness (loan balance and loan interest).

  • What is total policy cash value?

    This represents the guaranteed cash value of the base policy, if any, the cash value of any riders, the cash value of any accumulated dividends, less any outstanding indebtedness (loan balance and loan interest) that would be paid upon termination of the contract.

  • How can I access the funds in my policy and keep my valuable insurance protection?

    There are several options that may be available to you

    • Withdraw any dividend for cash
    • Withdraw any dividend cash value to help pay premiums
    • Withdraw available dividend cash value to reduce any outstanding loan balance and/or pay loan interest
    • Take a loan against the policy's cash value
    • Take a policy loan to help pay premiums

    Note: Please keep in mind when borrowing against the cash value, that loan interest will accrue daily and will be due on the policy anniversary date. Any outstanding indebtedness will be deducted from and will reduce the proceeds payable at surrender, lapse, or payment of a claim. Furthermore, withdrawals of dividend cash value will reduce the proceeds payable at surrender, lapse or payment of claim.

  • How can I obtain investment information on my Variable Life Policy?

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

    You can also access 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 can I transfer amounts between investment options in my Variable Life policy?

    If you are the Owner, you may transfer amounts between investment options

    • Online, through the AXA website.
      Login or Register. From the Portfolio Summary screen, select "Transfer Funds" from the "Choose an Option" drop down box.
    • Completing an online form called Transfer Request Click here for a printable form.


    If the Owner of the policy is a corporation or a trust, and not an individual, we require the owner's written request for transfer. Complete and return to the address on the form.

Loans

  • How does a policy loan affect my coverage?

    Any outstanding indebtedness will be deducted from the proceeds payable at lapse, surrender, maturity, or payment of the death claim. Therefore, it is in the client's best interest to make loan repayments whenever possible. Loan repayments will also reduce future loan interest payments.

  • How can loan repayments be made?

    Loan repayments can be made at your convenience in amounts of $10.00 or more by sending a check indicating the policy number and how the money is to be applied, to MONY Life of America, PO Box 4830, Syracuse, NY 13221. Additional loan repayment options are available such as

    • use any current dividend earned to reduce your loan balance
    • withdraw the existing cash value of accumulated dividends to reduce the loan balance
    • establish an automatic monthly deduction from your checking account by signing and submitting a proper Authorization Form.
    • Click here for a printable form
    • make payments Online through the AXA website. Login or Register.  Click on "Make a Payment" from the "Choose an Option" drop down box."
  • What is loan interest?

    Like most financial institutions, we charge loan interest on the policy anniversary date to compensate for our loss of investment earnings from the borrowed amount. Please refer to your contract for details concerning your policy's loan interest rate.

  • How is loan interest charged?

    Loan interest accrues daily on the unpaid loan balance and is due once a year on the policy anniversary date or upon full repayment of the loan principal. In most circumstances, if the loan interest remains unpaid at the end of the 31-day grace period, it will automatically be added to the existing loan balance, becoming interest-bearing loan principal.

  • How can I access the funds in my policy and keep my valuable insurance protection?

    There are several options that may be available to you

    • Withdraw any dividend for cash
    • Withdraw any dividend cash value to help pay premiums
    • Withdraw available dividend cash value to reduce any outstanding loan balance and/or pay loan interest
    • Take a loan against the policy's cash value
    • Take a policy loan to help pay premiums

    Note: Please keep in mind when borrowing against the cash value, that loan interest will accrue daily and will be due on the policy anniversary date. Any outstanding indebtedness will be deducted from and will reduce the proceeds payable at surrender, lapse, or payment of a claim. Furthermore, withdrawals of dividend cash value will reduce the proceeds payable at surrender, lapse or payment of claim.

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

    Online through the AXA website. 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. Please note that values given may not reflect transactions, credits or deductions processed during the prior or current business day.

    By calling our toll-free number at (800) 487-6669, you can also obtain policy values by following the prompts. You will be asked to enter some information for security purposes (last 4 digits of your Social Security Number as well as the month and day from your Date of Birth). You will also be asked to enter your policy number.

    If you do not have your policy number at hand, please press "0" to be connected to a Customer Service Representative.

  • What is the maximum amount I can borrow?

    You can obtain this information online, through the AXA website. Login or Register. Click on "Loan Request" in the "Choose an Option" drop down box. The available loan amount and current interest rate (which may be subject to change) 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 Professional 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 website.

    You can also confirm the maximum policy loan amount by calling our toll-free number at (800) 487-6669. You will be asked to enter some information for security purposes (last 4 digits of your Social Security Number as well as the month and day from your Date of Birth) and enter your policy number.

    If you do not have your policy number at hand, please press "0" to be connected to a Customer Service Representative.

    The amount that you can borrow, as well as the current interest rate (which may be subject to change) 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 speaking to a Customer Service Representative.

    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 website. Login or Register Click on "Loan Request" from the "Choose an Option" drop down box.
    • By filling out a Service Request Form. Click here for a printable form.
    • By calling our toll-free number at (800) 487-6669 and speaking to a Customer Service Representative
  • 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. If the cash surrender value is ever insufficient to pay the loan balance, including unpaid loan interest, the policy could lapse.

  • 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.