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Pursuing Wealth and Income Opportunities

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Presentation on theme: "Pursuing Wealth and Income Opportunities"— Presentation transcript:

0 Welcome Welcome to this presentation from AXA.
AXA Equitable Life Insurance Company MONY Life Insurance Company of America GE93557 (4/14) expires (4/16) © 2014 AXA Equitable Life Insurance Company and MONY Life Insurance Company of America. All rights reserved.

1 Pursuing Wealth and Income Opportunities
For people seeking more wealth, retirement income and life insurance protection. In the next 20 minutes, we’ll discuss a new way to help people who are seeking more wealth, retirement income and life insurance protection. I look forward to showing how you can pursue wealth and income opportunities with BrightLife Grow Life Insurance. Pursuing Wealth and Income Opportunities with BrightLifeSM Grow Life Insurance AXA Equitable Life Insurance Company MONY Life Insurance Company of America © 2014 AXA Equitable Life Insurance Company and MONY Life Insurance Company of America. All rights reserved.

2 What we’ll cover today…
Pursuing wealth, income and financial security through life insurance Choosing the right products Understanding the BrightLife Grow difference Here’s what we’ll cover today: Pursuing wealth, income and financial security through life insurance. Choosing the right products. Understanding the BrightLife Grow difference. And, determining what’s next for you. What’s next for you? © 2014 AXA Equitable Life Insurance Company and MONY Life Insurance Company of America. All rights reserved.

3 Before we get started… Recognize the need to provide financial protection to your family through life insurance Appreciate how life insurance can provide new wealth and income opportunities 68% Understand the simple medical underwriting process to demonstrate you’re insurable To begin, there are three important issues for you to think about: Recognize the need to provide financial protection to your family through life insurance. Appreciate how life insurance can also provide new wealth and income opportunities. Understand the simple medical underwriting process to demonstrate you’re insurable. If you have questions about any of these issues, please talk to me after the presentation and I’d be delighted to address them. 32% © 2014 AXA Equitable Life Insurance Company and MONY Life Insurance Company of America. All rights reserved.

4 Choosing the Right Products
More Wealth and Income More Wealth and Income Choosing the Right Products BrightLifeSM Grow Difference What’s Next? Building wealth starts with savings, but compounds through returns 100% Investment Returns 68% Starting with the topic of pursuing more wealth and income, a critical message is that building wealth starts with savings but compounds through returns. This vital point is demonstrated in the chart above. It shows how individuals can grow their savings through capital appreciation. As you can see, savings account for 32%, but investment returns accounts for a whopping 68% of wealth accumulation. The primary message is that while savings are very important, capital appreciation may be more important over time as you seek to build wealth. 32% Savings Source: McKinsey Global Institute (December 2011). For the 1995 – 2010 period, financial asset appreciation represented 68% of total US household financial asset gains, with net savings representing the remaining 32%. © 2014 AXA Equitable Life Insurance Company and MONY Life Insurance Company of America. All rights reserved.

5 Choosing the Right Products
More Wealth and Income More Wealth and Income Choosing the Right Products BrightLifeSM Grow Difference What’s Next? Your income in retirement can come from many sources Savings 401(k) Pension Social Security Annuity Part-time Work When it comes to generating income, it’s likely that you’ll have multiple income sources in retirement, including savings, a 401(k), a pension, Social Security payments, an annuity or part-time work. Whatever your sources of retirement income, if you’re like most, you want to generate retirement income more efficiently. © 2014 AXA Equitable Life Insurance Company and MONY Life Insurance Company of America. All rights reserved.

6 A lifetime of financial security requires prudent planning
More Wealth and Income Choosing the Right Products BrightLifeSM Grow Difference What’s Next? A lifetime of financial security requires prudent planning This leads to a crucial point: a lifetime of financial security requires prudent planning for all of your family’s needs and dreams, including saving for education, a second home, healthcare costs and retirement. Prudent planning also means preparing for the unexpected, such as a medical emergency that generates unexpected health care costs or the loss of a loved one. Education Second Home Healthcare Retirement © 2014 AXA Equitable Life Insurance Company and MONY Life Insurance Company of America. All rights reserved.

7 Choosing the Right Products
More Wealth and Income Choosing the Right Products BrightLifeSM Grow Difference What’s Next? Your financial plan must address challenges as you pursue: Wealth Retirement income As you think about your family’s future, your financial plan must address challenges as you pursue: Wealth Retirement income And financial security Financial security © 2014 AXA Equitable Life Insurance Company and MONY Life Insurance Company of America. All rights reserved.

8 Choosing the Right Products
More Wealth and Income Choosing the Right Products BrightLifeSM Grow Difference What’s Next? Your challenges may include: Maintaining your lifestyle Market volatility Tax burden and uncertainty As you pursue your financial goals, some of the challenges you’re likely thinking about include: Maintaining your lifestyle Managing market volatility Dealing with tax burdens and tax uncertainty And preparing for inflation Do some or all of these resonate with you? To manage these challenges and more, we can work together to help you choose the most suitable financial products, which leads to our next section. Inflation © 2014 AXA Equitable Life Insurance Company and MONY Life Insurance Company of America. All rights reserved.

9 Choosing the Right Products Choosing the Right Products
More Wealth and Income More Wealth and Income Choosing the Right Products Choosing the Right Products BrightLifeSM Grow Difference What’s Next? Hundreds of product providers, thousands of products… How do you choose? You may not realize it but there are hundreds of product providers and thousands of products out there… so how do you choose? Of course, this is a critical question as your product choice can make or break your desired outcome. © 2014 AXA Equitable Life Insurance Company and MONY Life Insurance Company of America. All rights reserved. 9

10 Choosing the Right Products Choosing the Right Products
More Wealth and Income Choosing the Right Products Choosing the Right Products BrightLifeSM Grow Difference What’s Next? Focus Is the product specifically engineered to address your defined needs? Cost-efficiency What are the fees and charges? Tax-efficiency What is the tax impact on asset accumulation and income distribution? Reliability Are you confident you’ll get the results you want? Choosing the best product is complex but there are four key factors we can use to help make the most informed decisions: It’s essential to ask yourself…is the product: Cost-efficient? What are the fees and charges? And are they transparent and understandable? Tax-efficient? What is the tax impact on asset accumulation and income distribution? (Keep in mind that taxes is a top expense for most households.) Reliable? Are you confident you’ll get the results you seek? Flexible? If something changes in your life, can you easily make adjustments? Now, there’s a new product from AXA designed to help you meet these important criteria. Flexibility If something changes in your life, can you easily make adjustments? © 2014 AXA Equitable Life Insurance Company and MONY Life Insurance Company of America. All rights reserved.

11 Introducing BrightLifeSM Grow
More Wealth and Income Choosing the Right Products Choosing the Right Products BrightLifeSM Grow Difference What’s Next? Introducing BrightLifeSM Grow Protect your loved ones Potentially build wealth through cash value accumulation and generate income streams for retirement Introducing BrightLife Grow It’s designed to help you: Protect your loved ones. Potentially build wealth through cash value accumulation and generate the income streams you’ll need in retirement. So, what’s unique about BrightLife Grow? What’s the BrightLife Grow difference? © 2014 AXA Equitable Life Insurance Company and MONY Life Insurance Company of America. All rights reserved.

12 Choosing the Right Products Choosing the Right Products
More Wealth and Income Choosing the Right Products Choosing the Right Products BrightLifeSM Grow Difference BrightLifeSM Grow Difference What’s Next? Enabling you to participate in the equity markets Annual Return on Investments, 1928–2013 11.50% 5.21% 3.57% The first difference is that BrightLife Grow seeks to make the most of your savings by seeking to turn your hard- earned savings into more wealth. This is possible because BrightLife Grow enables you to participate in equity markets. Doing so provides the potential to accumulate enough wealth to: Avoid outliving your assets And keep pace with rising costs due to inflation The chart above shows the historical power of equity markets. It compares the annual return on a $100 investment from 1928 through 2013. As you can see: A 3-Month Treasury Bill had an average annual return of 3.57% for a total of $1,973 A 10-Year Treasury Bond had an average annual return of 5.21% for a total of $6,296 However, the S&P 500 had an average annual return of 11.50% for a total of $255,553 3-Month Treasury Bill 10-Year Treasury Bond S&P 500 Compound value of $100 invested on 1/1/1928: $1,973 $6,296 $255,553 Clients cannot invest directly in the S&P 500 Index; past performance is no guarantee of future results. Source: Federal Reserve database in St. Louis (FRED). The Treasury bill rate is a 3-month rate and Treasury bond is the constant maturity 10-year bond, which includes coupon and price appreciation. © 2014 AXA Equitable Life Insurance Company and MONY Life Insurance Company of America. All rights reserved.

13 Choosing the Right Products
More Wealth and Income Choosing the Right Products BrightLifeSM Grow Difference What’s Next? Providing 0% floor protection 2,000 1,500 1,000 500 S&P 500 Index Value S&P 500 Index Dot.com Collapse Great Recession S&P 500 Index with 10% cap, 0% floor This upside potential is at the foundation of a wealth building strategy. However, downside protection is vital too, particularly as you move within 5 years of retirement and then into retirement when you’re likely to access your financial assets. This point is best demonstrated in the chart above that shows how many new retirees were likely hurt during the dot.com collapse that began in 1999 and the Great Recession that began in And you never know when a persistent decline will come again and historically, they have always emerged and are part of the ups- and-downs of the market. The number of years that new retirees could expect to fund their lifestyles in retirement was negatively impacted as the S&P 500 Index declined. However, this was significantly lessened with a product that offered a 0% floor and a 10% cap. This means that the product did not fall below 0% and had a cap of 10%. 1993 1995 1997 1999 2001 2003 2005 2007 2009 2011 2013 Source: Standard & Poor's. This hypothetical chart reflects annual performance of the S&P 500 Index and the annual performance of the S&P 500 Index with a 0% floor and 10% annual cap for the time period noted on the chart. This chart does not represent actual performance of the BrightLife Grow Indexed Option. The 10% cap is the current cap rate for the S&P 500 Core Indexed Account on BrightLife Grow as of March 2014 and is subject to monthly change after this date. This cap rate is not guaranteed. Please note, this chart does not include expenses associated with BrightLife Grow, including but not limited to the front end load, monthly administrative charge, face amount administrative charge, monthly segment charge, cost of insurance charge, additional benefit rider costs and the 15-year surrender charge. If expenses had been reflected, the Indexed Account amounts would be lower. Your actual performance in BrightLife Grow will be different. You cannot invest directly in the S&P 500 Index. Past performance of the S&P 500 Index is no guarantee of future results. © 2014 AXA Equitable Life Insurance Company and MONY Life Insurance Company of America. All rights reserved.

14 Choosing the Right Products Choosing the Right Products
More Wealth and Income Choosing the Right Products Choosing the Right Products BrightLifeSM Grow Difference What’s Next? Shielding you from tax uncertainty This “top tax rate” chart shows the unpredictability of taxes. With the historical perspective presented in the chart above, you can see that taxes have risen, fallen and risen again. The reality is that taxes can take a huge bite out of your wealth, not only as you’re building it, but also when you’re drawing on your wealth for retirement income. Therefore, you want to minimize the impact of current and future taxes as much as possible. This is particularly important since no one can accurately predict the path that tax rates will take. © 2014 AXA Equitable Life Insurance Company and MONY Life Insurance Company of America. All rights reserved.

15 Minimizing your tax burden through tax deferral
More Wealth and Income Choosing the Right Products Choosing the Right Products BrightLifeSM Grow Difference What’s Next? Minimizing your tax burden through tax deferral $466,096 $284,129 $100,000 Tax deferral can help take tax uncertainty “off the table”. This is an important BrightLife Grow difference – its potential to minimize your tax burden through tax deferral while you’re accumulating wealth and later when you’re distributing it. The chart above shows the tax deferral advantage: Start with an initial investment of $100,000. Without tax-deferral, and an annual return of 8% and a 33% tax rate, the $100,000 grew to $284,129. However, with tax deferral, and the same annual return and tax rate, the $100,000 grew to $466,096. Simply put, tax deferral helps you potentially accumulate a lot more wealth. Initial Investment Without Tax Deferral With Tax Deferral, Before Withdrawal This illustration shows growth over a 20-year period and assumes an 8% annual return and a 33% tax rate. This hypothetical chart does not represent actual performance of any specific product. Please note, this chart excludes expenses associated with BrightLife Grow including but not limited to the front end load, monthly administrative charge, face amount administrative charge, monthly segment charge, cost of insurance charge, additional benefit rider costs and the 15-year surrender charge. If expenses had been reflected, the tax deferral amounts would be lower. Your actual performance with BrightLife Grow will be different. © 2014 AXA Equitable Life Insurance Company and MONY Life Insurance Company of America. All rights reserved.

16 Choosing the Right Products 11% to 23% lower cost in first 20 years
More Wealth and Income Choosing the Right Products BrightLifeSM Grow Difference What’s Next? Keeping product costs low 11% to 23% lower cost in first 20 years $150,0000 $100,000 $50,000 Cumulative Costs Average Top Providers BrightLife Grow BrightLife Grow is designed to keep costs low by: Reducing the costs of the product itself. Making sure that you don’t pay for what you don’t need In the first 20 years of owning BrightLife Grow, it’s designed to cost you 11% to 23% less than competitors’ offerings. 45 50 55 60 65 70 75 80 85 90 Age Hypothetical illustration assumes male policy owner, 45, preferred, non-tobacco user. Policy has $500,000 face amount. Initial DB Option B, switched to A in year 20. $20,000 annual premium paid years $40,000 annual distributions in years (withdrawal to basis, then fixed loans). Industry average represented by 11 competitor products. © 2014 AXA Equitable Life Insurance Company and MONY Life Insurance Company of America. All rights reserved.

17 Choosing the Right Products YOUR HOUSEHOLD BALANCE SHEET IN RETIREMENT
More Wealth and Income Choosing the Right Products BrightLifeSM Grow Difference What’s Next? Adding a new source of potential retirement income YOUR HOUSEHOLD BALANCE SHEET IN RETIREMENT YOUR ASSETS YOUR LIABILITIES Food Housing Healthcare Purchasing BrightLife Grow is adding a new source of retirement income. To demonstrate this, think about your Household Balance Sheet in Retirement. Let’s start with the “liabilities” or costs to maintain your lifestyle in retirement, which are likely to be similar for all, and include: Basic expenses, such as food, housing, transportation and healthcare. Discretionary expenses, such vacations, gifts and having fun. Transportation Fun © 2014 AXA Equitable Life Insurance Company and MONY Life Insurance Company of America. All rights reserved.

18 Choosing the Right Products YOUR HOUSEHOLD BALANCE SHEET IN RETIREMENT
More Wealth and Income Choosing the Right Products BrightLifeSM Grow Difference What’s Next? Adding a new source of potential retirement income YOUR HOUSEHOLD BALANCE SHEET IN RETIREMENT YOUR ASSETS YOUR LIABILITIES Tax Deferred Taxable IRA Social Security 401(k) Annuities Taxable financial assets Potential Tax Free Income BrightLife Grow Food Housing Healthcare Now, let’s look at Your Assets for your Household Balance Sheet in Retirement, which may include: Tax-deferred assets, such as an IRA, 401(k) and annuity. Taxable assets, such as Social Security, wage earnings in retirement and non-tax-deferred accounts. And, BrightLife Grow that provides potential tax-free income. With people living longer, we’re all likely to need more financial assets possible to fund liabilities in retirement. This includes health care costs and other necessities that will increase over time. Transportation Fun © 2014 AXA Equitable Life Insurance Company and MONY Life Insurance Company of America. All rights reserved.

19 Choosing the Right Products
More Wealth and Income Choosing the Right Products BrightLifeSM Grow Difference What’s Next? Providing more annual income in retirement $27,100 $13,279 20 years of asset accumulation BrightLife Grow is designed to provide more annual income in retirement. This is demonstrated in the chart above that shows 20 years of asset accumulation in a taxable account compared to a tax-deferred account. As you can see, an initial investment of $100,000 with an 8% average annual return and a 33% tax rate accumulated $13,279 over 20 years. However, the same $100,000 with the same average annual return and tax rate accumulated over double the amount — that’s $27,100. This is a compelling way to turn financial assets into a retirement income stream. Taxable Account Tax-Deferred Account This illustration is for a $500,000 Death Benefit on a 45 year old with an underwriting status of preferred no tobacco male and assumes an 8% annual return and a 33% tax rate with initial investment of $100,000 that grows with and without tax deferral over a 20-year period. This hypothetical chart does not represent actual performance of any specific product. Please note, this chart excludes expenses associated with BrightLife Grow including but not limited to the front end load, monthly administrative charge, face amount administrative charge, monthly segment charge, cost of insurance charge, additional benefit rider costs and the 15-year surrender charge. If expenses had been reflected the tax deferral amounts would be lower. Your actual performance with BrightLife Grow will be different. The annual income assumes a systematical withdrawal of equal amounts from age 65 – 100. © 2014 AXA Equitable Life Insurance Company and MONY Life Insurance Company of America. All rights reserved.

20 Choosing the Right Products
More Wealth and Income Choosing the Right Products BrightLifeSM Grow Difference What’s Next? Enabling easy access to cash for planned and unplanned expenses Cash Surrender Value Tax-Free Loans* Loan value is repaid by the beneficiaries with income tax-free death benefit Whatever happens in the future, no matter how your goals may change, BrightLife Grow gives you easy, and low-cost access to your cash surrender value accumulation, as well as death benefit protection. Remember, access to cash is key to retaining your lifestyle in retirement and locking in losses when the market declines, as it will inevitably do. For example, tax-free loans can be taken from your policy’s Cash Surrender Value.* The loan can be repaid by your beneficiaries with the income tax-free death benefit. *See slide 22 for important information on policy loans. *See slide 22 for Important Information on policy loans. © 2014 AXA Equitable Life Insurance Company and MONY Life Insurance Company of America. All rights reserved.

21 Choosing the Right Products
More Wealth and Income Choosing the Right Products BrightLifeSM Grow Difference What’s Next? Offering an option to cover long term care expenses Cash Surrender Value “Advance” on life insurance benefits through policy loans and withdrawals* Remaining value paid to beneficiaries at death To help you prepare for the unexpected, BrightLife Grow offers a unique option to cover long-term care expenses. Again, using your Cash Surrender Value, you can receive an “advance” on your life insurance benefits through policy loans and withdrawals.* The remaining value will then be paid to beneficiaries at death. *See slide 22 for important information on policy loans. *See slide 22 for Important Information on policy loans. © 2014 AXA Equitable Life Insurance Company and MONY Life Insurance Company of America. All rights reserved.

22 Before we continue, consider…
Under current federal tax rules, you generally may take federal income tax-free withdrawals up to your basis (total premiums paid) in the policy or loans from a life insurance policy that is not a Modified Endowment Contract (MEC). Certain exceptions may apply for partial withdrawals during the policy’s first 15 years. If the policy is a MEC, all distributions (withdrawals or loans) are taxed as ordinary income to the extent of gain in the policy, and may also be subject to an additional 10% premature distribution penalty prior to age 59½, unless certain exceptions are applicable. Loans and partial withdrawals will decrease the death benefit and cash value of your life insurance policy and may be subject to policy limitations and income tax. In addition, loans and partial withdrawals may cause certain policy benefits or riders to become unavailable and may increase the chance your policy may lapse. If the policy lapses, is surrendered or becomes a MEC, the loan balance at such time would generally be viewed as distributed and taxable under the general rules for distribution of policy cash values. This is important information on BrightLife Grow’s policy loans. © 2014 AXA Equitable Life Insurance Company and MONY Life Insurance Company of America. All rights reserved.

23 Choosing the Right Products
More Wealth and Income Choosing the Right Products BrightLifeSM Grow Difference What’s Next? Helping you: Efficiency Protect your loved ones Build wealth through cash value accumulation Reliability The BrightLife Grow difference can be best summed up this way. It’s an efficient, reliable and flexible way to protect your loved ones, build wealth and generate retirement income – and one more, fund unexpected expenses. Generate retirement income Flexibility © 2014 AXA Equitable Life Insurance Company and MONY Life Insurance Company of America. All rights reserved.

24 Choosing the Right Products
More Wealth and Income Choosing the Right Products BrightLifeSM Grow Difference BrightLifeSM Grow Difference What’s Next? What’s Next? Are you concerned about market volatility? Is saving on taxes important to you? Is wealth accumulation your primary goal? Now is the time to think about what’s next and answer four simple questions: Are you concerned about market volatility? Is saving on taxes important to you? Is wealth accumulation your primary goal? (If your primary concern is protection, check out BrightLife Protect. If both are your primary concerns, BrightLife Protect may again be the better choice.) Is estate planning or business succession a top concern? (If you are age 60 or over, and primarily concerned with reducing taxes as a part of an estate plan or business succession strategy, Protect may be the preferred option.) Remember, BrightLife Grow is designed to help you: Insure your loved ones. Potentially build wealth and generate the income streams you’ll need in retirement. Is estate planning or business succession a top concern? © 2014 AXA Equitable Life Insurance Company and MONY Life Insurance Company of America. All rights reserved.

25 Choosing the Right Products
More Wealth and Income Choosing the Right Products BrightLifeSM Grow Difference What’s Next? What’s next for you? I look forward to discussing what’s next for you and your family and welcome the opportunity to speak with you in more detail. Now, let’s open this up to your questions. (When completed, continue) Thank you for being such a great audience and I look forward to helping you take the next step towards you and your family’s financial goals. © 2014 AXA Equitable Life Insurance Company and MONY Life Insurance Company of America. All rights reserved.

26 Another option for another need
BrightLifeSM Protect AXA Equitable Life Insurance Company and MONY Life Insurance Company of America also offer a universal life insurance policy with an index-linked interest option called BrightLife Protect. BrightLife Protect contains many similar provisions to BrightLife Grow; however, it is designed to provide comparatively more cost effective death benefit protection. BrightLife Grow also provides death benefit protection, but is designed with more of a focus upon the potential accumulation of higher cash values. With higher funding levels, BrightLife Grow would generally be expected to provide higher cash values than BrightLife Protect for the same insured at the same face amount. With relatively lower funding levels for the same insured, BrightLife Protect is likely to be more efficient in providing death benefit protection. © 2014 AXA Equitable Life Insurance Company and MONY Life Insurance Company of America. All rights reserved.

27 1290 Avenue of the Americas, New York, NY 10104, (212) 554-1234
S&P® Standard & Poor’s, S&P 500® and Standard & Poor’s 500TM are trademarks of Standard and Poor’s and have been licensed for use by AXA Equitable. BrightLifeSM Protect and BrightLifeSM Grow are not sponsored, endorsed, sold or promoted by Standard & Poor’s and Standard & Poor’s does not make any representation regarding the advisability of investing in the products. The Russell 2000® Index is a trademark of Russell Investment and has been licensed for use by AXA Equitable. BrightLifeSM Grow is not sponsored, endorsed, sold or promoted by Russell Investments and Russell Investments makes no representation regarding the advisability of investing in the product. The product referred to herein is not sponsored, endorsed, or promoted by MSCI, and MSCI bears no liability with respect to any such product or any index on which such product is based. The policy contains a more detailed description of the limited relationship MSCI has with AXA Equitable and any related products. “AXA” is a brand name of AXA Equitable Financial Services, LLC and its family of companies, including AXA Equitable Life Insurance Company (NY, NY), MONY Life Insurance Company of America (AZ stock company, administrative office: Jersey City, NJ), AXA Advisors, LLC, and AXA Distributors, LLC. AXA S.A. is a French holding company for a group of international insurance and financial services companies, including AXA Equitable Financial Services, LLC. This brand name change does not change the legal name of any of the AXA Equitable Financial Services, LLC companies. The obligations of AXA Equitable Life Insurance Company and MONY Life Insurance Company of America are backed solely by their claims-paying ability. The purpose of this method of marketing is solicitation of insurance, and contact may be made by an insurance agent, producer, insurance company or insurance agency. Please be advised that this presentation is based on our general understanding of federal income tax rules for U.S. individuals and is not intended as legal or tax advice. Accordingly, any tax information provided in this website 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. This presentation is not intended to be a complete description of the BrightLifeSM Grow and BrightLifeSM Protect products. Please consult your financial professional for more complete details. BrightLifeSM Grow and BrightLifeSM Protect is a flexible premium universal life insurance policy with index-linked interest options. Life insurance is subject to exclusions and limitations and terms for keeping it in force. Certain types of policies, features and benefits may not be available in all jurisdictions or may be different. For costs and complete details of coverage, contact your financial professional. BrightLifeSM Grow and BrightLifeSM Protect is a service mark of AXA Equitable Life Insurance Company, New York, NY BrightLifeSM Grow and BrightLifeSM Protect is issued in New York and Puerto Rico by AXA Equitable Life Insurance Company (AXA Equitable), New York, NY 10104, and in all other jurisdictions by affiliate MONY Life Insurance Company of America (MONY America), an Arizona Stock Corporation, with main administrative office at Jersey City, NJ. It is co-distributed by AXA Network, LLC and its subsidiaries, and AXA Distributors, LLC. AXA Equitable, MONY America, AXA Network, LLC and AXA Distributors, LLC are affiliated companies and do not provide tax or legal advice. Clients should rely on their own advisors on these matters. Policy form #ICC or state variations. Rider form #ICC-12-R12-10 or state variations. © 2014 AXA Equitable Life Insurance Company and MONY Life Insurance Company of America. All rights reserved. 1290 Avenue of the Americas, New York, NY 10104, (212) GE (4/14)(Exp. 4/16) © 2014 AXA Equitable Life Insurance Company and MONY Life Insurance Company of America. All rights reserved.


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