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Corporate Owned IncentiveLife®

Corporate Owned IncentiveLife®

Your business owner policyholders can use this policy for life insurance protection, as well as to informally fund non-qualified deferral plans, such as supplemental executive retirement plans (SERPs) or business-sponsored benefit plans, such as executive bonus plans.  It is institutionally priced with enhanced cash surrender values in years 1-14, resulting from a refund a portion of the premium expense and administrative charges, available upon full surrender. 

Corporate Owned IncentiveLife® also offers these benefits:

  • Added flexibility with the Integrated Term Rider, available in cases where the sum of target premiums for all policies is over $250,000
  • Over 70 investment options to choose from, including the innovative Market Stabilizer Option®
  • Dedicated support from AXA Equitable’s Corporate Strategies Group

Business policyholders can choose from over 70 investment options, ranging from equity and bond funds to sector and specialty options, asset allocation, and risk management strategies – and access many of the nation’s most respected money managers.

  • Diversification Strategies - Reduce fluctuations by diversifying by asset class or management style
  • Market Stabilizer Option® - Take advantage of growth opportunities and help protect against market declines
    The Market Stabilizer Option ("MSO") is an investment option that offers a rate ties to the performance of the S&P 500 price return Index (which does not include dividends). The MSO allows your clients to participation the limited upside performance potential of the S&P 500 Price Return Index up to a growth cap rate that is set each month by the insurance company. It also provides limited downside protection against declines of up to -25% in the performance of the S&P 500 Price Return Index. There is a risk of substantial loss of principal because your client agrees to absorb all the losses from the portion of any negative index performance that exceeds -25%. The MSO has a 1.40% charge with a maximum of 2.40%.
  • Managed Volatility - Help smooth out a portfolio’s returns in volatile markets
  • Sector & Specialty - Take full advantage of market opportunities by including non-traditional assets
  • Traditional Asset Classes - Build a solid portfolio using a variety of asset classes

Corporate Owned IncentiveLife® is specially designed to help companies provide non-qualified deferred compensation plans (NQDCs), Supplemental Executive Retirement Plans (SERPs) and other non-qualified benefit plans.  Below are a few examples of how these types of plans may fill the gaps in your policyholders’ compensation package:

Scenario Strategy
An executive is deferring the maximum amount into his 401(k), but it amounts to less than 5 percent of his annual compensation. He wants to defer at least 10 percent. NQDC allows deferrals of up to 100 percent of an executive's salary.
Your policyholder wants to reward her key executives in a way that won't add to their already considerable current income tax burden. A SERP allows her to promise her executives future benefits without them having to pay income taxes today.
Your business-owner policyholder wants to tailor rewards to the class of executive. A NQDC plan allows him to match, for example, 100 percent of the deferrals on one level of executives and match 50 percent of the next level. Because it's non-qualified, your policyholder makes that decision.
The success of your policyholders' company is dependent on her key executives. She needs a way to retain them. A SERP that promises substantial benefits at retirement may be the "golden handcuffs" she needs to keep her key executives where they are.


  • With highly compensated employees
  • That want to attract, retain, and reward their key people

Optional rider available at no additional charge:1

  • Integrated Term Insurance Rider

Optional Riders available for an additional charge:1

  • Market Stabilizer Option® (charge only if exercised)
  • Policy Continuation Rider (charge only if exercised)

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1 All riders are subject to the terms and conditions of the rider. All riders may not be available in all jurisdictions. Some states may vary the terms and conditions. There may be an additional charge associated with obtaining certain riders. Some riders may not be available in combination with other riders and/or policy features.

Please be advised that this webpage is not intended as legal or tax advice. Accordingly, any tax information provided in this guide for producers 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 clients should seek advice based on their particular circumstances from an independent tax advisor.

Corporate Owned IncentiveLife® is issued by AXA Equitable Life Insurance Company and is co-distributed by AXA Advisors, LLC, and AXA Distributors, LLC, all located at 1290 Avenue of the Americas, New York, NY 10104.

IncentiveLife® is a registered service mark of AXA Equitable Life Insurance Company.

Corporate Owned IncentiveLife® Insurance is sold by prospectus only. The prospectuses for Corporate Owned IncentiveLife® Insurance contains more complete information about the policy, including investment objectives, risks, investment management fees, charges, expenses, limitations and restrictions. You and your clients should read the prospectuses and consider the information carefully before purchasing a policy or sending money.

GE-133553 (04/2018)

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