Key Features

Strategies for Retirement Planning

EQUI-VEST Savings Incentive Match Plan for Employees (SIMPLE) IRA is a cost-effective variable deferred annuity contract 1 that offers you a convenient way to contribute to and invest for retirement.

This contract is designed specifically for participants of an employer-sponsored SIMPLE IRA plan.

Contributions can be made through payroll deduction. Contributions to, and any earnings within, an

Features and Benefits

Innovative Communication Tools

• Telephone Services — Automated account information and live access to a customer service representative.
• Special Services for the Hearing- or Speech- Impaired
• Online Services — A consolidated view of your contract, available 24 hours a day, 7 days a week.

1 Funding a tax qualified retirement plan or arrangement with an annuity does not provide any additional tax benefits, however doing so can provide you with additional insurance benefits and contract features beyond tax deferral. You may want to consider the relative features, benefits and costs of this annuity with any other investment that you may have in connection with your retirement plan or arrangement.

2 Amounts in variable investment options are subject to fluctuation in value and market risk, including loss of principal. You will incur higher costs with asset allocation portfolios than if you were to invest directly in the underlying portfolios. Guarantees are based on the claims-paying ability of AXA Equitable. Withdrawals or transfers from a Fixed Maturity Option may be subject to a market value adjustment, which may increase or decrease the account value.

3 Withdrawals and distributions of taxable amounts are subject to ordinary income tax and, if made prior to age 59, may be subject to an additional 10% federal income tax penalty. The 10% penalty tax increases to 25% if the participant withdrawing funds has not participated in the employers SIMPLE IRA for at least two full years.

This is not a complete description of the EQUI-VEST SIMPLE IRA variable annuity contract. Variable annuities have limitations. For costs and complete details, contact a financial professional. Variable annuities, such as EQUI-VEST . are offered by prospectus only. The prospectus contains information about the products features, risks, charges and expenses, and the investment objectives, risks and policies of the underlying portfolios, as well as other information about the underlying funding choices. Please click here or contact your financial professional to obtain a prospectus for complete details. Read the prospectus and consider this information carefully before you invest or send money. Product availability and features will vary by state. We offer other variable annuity contracts with different fees, charges and features, for more information on availability contact us (212-554-1234). Variable annuities are issued by AXA Equitable Life Insurance Company and are distributed by an affiliate, AXA Advisors, LLC, member SIPC. AXA Equitable and AXA Advisors do not provide tax or legal advice.

Please be advised that this page is not intended as legal or tax advice. Accordingly, any tax information provided on this page 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.

EQUI-VEST is a registered service mark of AXA Equitable Life Insurance Company, New York, NY 10104.

Contract form #s: 94ICA/B, 94ICIA/B, 2002ENSIMI, 2003EBASE and any state variations

GE-43485 (7/08)

Investment Options

Variable Investment Options

Growth Potential

Our variable investment options offer the opportunity to direct how life insurance premium payments are invested among a wide array of stock, bond, international and money market investment options.

This access provides an opportunity for growth of your account value.  Please keep in mind that variable investment options are subject to fluctuations in value and market risk, including loss of principal.

Quality

Evaluating investment options has never been easy. And in todays investment environment, where investors have literally thousands of choices, you need an experienced guide.

Through a multiple-step selection process, we systematically narrow the universe of money management firms to identify money managers that are best suited to meet specific investment goals.

Many of our money managers are household names youre sure to recognize. Others are better known among large institutional investors.

Choice

Our variable investment option platform is designed to help meet the needs of a wide variety of investors, while being responsive to an ever-changing market environment. We offer a carefully selected menu of investment options that meets the needs of diversification-minded investors, while accommodating individual preferences and risk appetites.

Simplicity

For investors who want a simplified approach to building a diversified portfolio, a series of asset allocation portfolios are available. Each portfolio is constricted as a funds-of-funds, diversified by AXA Equitables team of investment specialists.  With one simple investment, you gain access to the combined performance of multiple portfolios. The Benefits of AXA Strategic Allocation Portfolios Managed by AXA Equitable  

• Tailored to Meet Your Goals you can pursue your individual goals based on your personal risk tolerance
• Convenient you get a well-diversified investment program in a single portfolio
• Professionally Managed portfolios are rebalanced regularly by trained professionals to keep your investment on track

Please note that AXA Strategic Allocation Portfolios entail fees and costs in addition to the fees and costs incurred in the Portfolios’ underlying investment earnings.

Access to other portfolio choices

To supplement our proprietary lineup of EQ Advisors Trust and AXA Premier VIP Trust portfolios, many AXA Equitable variable products offer additional choices of manager brands and investment styles.  These portfolios do not include the EQ or AXA brand.  While AXA Equitable has no direct authority over the management and operations of these portfolios, we provide input through an analysis and selection of each portfolio.  Ongoing portfolio performance is also routinely monitored by our team of dedicated fund professionals

Performance

As many investors have learned, a portfolio manager can suddenly leave a firm, or deviate from his or her investment style in pursuit of short-term returns. Many times these changes occur without the investors knowledge, which could alter the course of a disciplined investment strategy.

Thats why our seasoned team of investment professionals continuously manages the managers once they have been selected. This is a dynamic process that holds each money manager accountable and keeps them focused on delivering consistent, long-term results.

 

You should consider the charges, risks, expenses, and investment objectives carefully before investing.  Please click the link at the top of this page to download the product prospectus, which contains this and other information

Variable products are issued by AXA Equitable Life Insurance Company (NY, NY) and are co-distributed by affiliates AXA Advisors, LLC and AXA Distributors, LLC.

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