Log in to AXA

For Customers, Financial Professionals and Employees

New to AXA? Need to register?

For Employer Plan Administrators

Retirement Gateway, Retirement Strategies or Momentum
- View demo

EQUI-PATH 403(b) Mutual Fund

Need to Register?

What kind of access do you need?


Employee Benefits


Third party financial professionals

For Life Insurance Only call (800) 924-6669

Business Strategies

Log in to AXA

For Customers, Financial Professionals and Employees

New to AXA? Need to register?

For Employer Plan Administrators

Retirement Gateway, Retirement Strategies or Momentum
- View demo

EQUI-PATH 403(b) Mutual Fund

  • Plan for a life of shared success

    Your wedding. It’s the start of your life together. And of a long-term financial partnership. You can help make sure you’re both headed toward a happy, healthy financial future by taking a few simple steps today.

  • Ready to take the next step?

    Talk to us

Learn about
  • The importance of understanding your shared financial goals

    Understanding your goals is a key first step to helping you plan to achieve them, and an important conversation for the two of you to have together.

  • How marriage can affect your insurance needs

    It’s a good time to talk to a financial professional about whether you need to update your existing insurance policies or add new coverage.

  • Ways to help protect your family

    Thinking about wills, estate plans and nuptial agreements now can help you feel confident that you’re protecting your family for years to come.

Topics and resources

The importance of understanding your shared financial goals

An important first step to take now: have an open discussion about your short- and long-term financial goals. Understanding each other’s vision for the future helps make sure you’re both pulling together, joining your efforts to bring your financial goals to fruition. It may not seem romantic, but a shared outlook and plan for your future together can help you secure and enjoy it.

Remember, everyone has a different style of planning and managing money. Knowing your partner’s will help you leverage your individual strengths and work together more effectively.

We suggest you start by asking these questions together:

Should we have joint bank accounts, separate accounts or both?

A joint account may make it easier to manage your money and you might pay fewer fees. On the other hand, maintaining a budget if you both have access to a single pool of funds could be a challenge. A combination of joint and separate accounts works well for many couples.

Should we apply jointly for credit cards and loans?

Your joint credit-worthiness is only as strong as your weakest score, so if one of you has a poor credit history, it may affect your eligibility and rates.

However, if one of you applies separately for an individual credit card or loan, his or her score alone will be considered. Ultimately, the answer to this question depends on each of your credit ratings.

Do we want to buy a house together in the next few years?

If one of you has a weak credit rating, it’s best to know as soon as possible: it takes some time to restore a credit score. But with shared resources, you can work together to improve the lower of your two scores by paying off debt and using credit strategically.

It’s a good idea to check your credit score regularly with the three credit reporting agencies — Equifax, TransUnion and Experian.

Does either of us have a large amount of debt?

You are not legally liable for each other’s pre-marriage debt — unless you choose to take it on by refinancing with a new loan together, or consolidating credit card debt. Whatever you do, it’s best to find out now and plan for it, rather than be surprised by unexpected bills.

Who will be in charge of paying bills and managing the budget?

Will this task fall to one of you, or will you take on this responsibility together? If you handle bills and budgets together, be sure you establish a system that works, so you avoid missed or double payments.

Do we want to have children?

If so, what kind of education will you want to provide for them? How will you fund it? Establishing a 529 College Savings Plan as early as you can is a tax-advantaged way to save for future education expenses.

How will we save for retirement?

Are you both participating in your employers’ retirement savings plans? Will either of you receive a pension? Understanding the retirement income sources you’ll each have in the future can help clarify the steps you should take to fill any income gaps.

The bottom line

Building a sound financial foundation for your lives together can be the best wedding gift you give each other. So don’t wait. Talk about your financial plans today. And you’ll help make them a reality tomorrow.

How marriage can affect your insurance needs

On your wedding day, you and your spouse make a lifelong commitment to love and care for each other. Helping your loved one feel financially protected and secure is one way to fulfill that promise. The right kind and amount of insurance coverage can be a big help.

Health insurance

If you both have health insurance, compare the features and costs of the two plans, and what the cost of converting to a family plan might be. Are your doctors covered on your spouse’s plan? What kind of co-payments and deductibles does each plan carry?

This should give you a good idea which plan offers greater quality and cost-effectiveness.

Auto insurance

Insuring all your cars with a single carrier may result in a multi-vehicle discount. Keep in mind, though, that your existing premiums may go up if you add a spouse with a poor driving.

Homeowner’s/renter’s insurance

Once married, you may have more items of value under a single roof. Update your insurance coverage to reflect the total value of your possessions.

Don’t yet have homeowner’s or renter’s insurance? Now’s a good time to consider it — strongly. If something should happen to your home or belongings, you’ll be glad to have the resources to repair or replace them.

Life insurance

If you already have life insurance, it’s time to make sure your coverage is adequate to protect your new spouse.

If you don’t have life insurance, you should seriously consider it. It can be a powerful tool for any financial strategy — and not just for your heirs.  Cash value accumulation that you can tap into later is a key feature of certain types of policies. Find out more about whole and universal life insurance policies from your financial professional.

As with many financial decisions, the sooner you make it the better, since your premiums are likely to be lower the earlier you start.

Update your beneficiaries now

It’s important for you and your spouse to designate each other as beneficiaries on your retirement plans and life insurance policies. Keep in mind that simply getting married doesn’t make your spouse a beneficiary — you have to fill out the necessary forms.

Take the next step

The role of insurance in your financial plan

Buying life insurance: what kind and how much?

The bottom line

Building a sound financial foundation for your lives together can be the best wedding gift you give each other. So don’t wait. Talk about your financial plans today. And you’ll help make them a reality tomorrow.

Ways to help protect your family

Admittedly, wills, estate plans and nuptial agreements may not seem in keeping with the spirit of wedding planning. But once you’ve created them, it’s a great feeling to know that you’re protecting the ones you love. The peace of mind these can inspire today is just as important as the protection they offer for tomorrow.

Wills — Don’t underestimate the need for a will. A will ensures that your money and property are allocated exactly how you choose after you die. Without one, everything you leave behind will be distributed according to law.

Most importantly, a will affects the care of your children. Decide ahead of time who will be their guardian — if you don’t, a judge will.

Estate plans — You can help manage the tax burden your survivors may face with an estate plan. A financial professional can help you, your lawyers and accountants create a plan based on your specific situation.

Pre- and post-nuptial agreements — We know: this doesn’t sound romantic, either. But these agreements can be invaluable in protecting the interests of both spouses. If a pre-nuptial agreement is not for you, remember that post-nuptial agreements can be created between spouses at any time.

Take the next step

Life Insurance and Estate Planning

The bottom line

Building a sound financial foundation for your lives together can be the best wedding gift you give each other. So don’t wait. Talk about your financial plans today. And you’ll help make them a reality tomorrow.

Important information

Life insurance contains exclusions, limitations, and terms for keeping it in force. More

For costs and complete details contact a financial professional.

529 plans are subject to enrollment, maintenance, administration/management fees and expenses. 529 plans are subject to fluctuation in value, including loss of principal. If you are investing in a 529 plan outside of your state of residence, you may lose available state tax benefits. Make sure you understand your state tax laws to get the most from your plan.

This information is provided for informational purposes only. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.This information is provided for informational purposes only. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

Getting married

A new home

A new home

Go
A new job

A new job

Go
Divorce

Disability/
Serious Illness

Go
Caring for aging parents

Caring for
aging parents

Go

Please be advised that this document is not intended as legal or tax advice.  Accordingly, any tax information provided in this document is not intended or written to be used, and cannot be used, by any taxpayer for the purpose of avoiding penalties that may be imposed on the taxpayer.  The tax information was written to support the promotion or marketing of the transaction(s) or matter(s) addressed and you should seek advice based on your particular circumstances from an independent tax advisor.

AXA Equitable Life Insurance Company (New York, NY) issues life insurance and annuity products. Securities offered through AXA Advisors, LLC, member FINRA,SIPC. AXA Equitable and AXA Advisors are affiliated and do not provide tax or legal advice.

GE 90593 (01/2016)