0 axa equitable life insurance company mony life insurance company of america ge93557 (4/14) expires...

1AXA Equitable Life Insurance CompanyMONY Life Insurance Company of AmericaGE93557 (4/14) expires (4/16)

Welcome

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For people seeking more wealth, retirement income and life insurance protection.

AXA Equitable Life Insurance CompanyMONY Life Insurance Company of America

Pursuing Wealth and Income Opportunitieswith BrightLifeSM Grow Life Insurance

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Pursuing wealth, income and financial securitythrough life insurance

What we’ll cover today…

Choosing the right products

Understanding the BrightLife Grow difference

What’s next for you?

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68%

32%

Recognize the need to provide financial protection to your family through life insurance

Appreciate how life insurance can provide new wealth and income opportunities

Understand the simple medical underwriting process to demonstrate you’re insurable

Before we get started…

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Choosing the Right Products

More Wealth and Income


Building wealth starts with savings, but compounds through returns

BrightLifeSM GrowDifference

68%

32%

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%.

Investment Returns

Savings

100%

What’s Next?

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Savings

401(k)

Pension

Social Security

Annuity

Part-time Work





Your income in retirement can come frommany sources

What’s Next?

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A lifetime of financial security requires prudent planning

Education Second Home Healthcare Retirement


What’s Next?

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Your financial plan must address challenges

as you pursue: Wealth

Retirement incomeFinancial security




What’s Next?

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Your challenges may include:

Maintaining your lifestyle

Market volatility

Tax burden and uncertainty

Inflation

What’s Next?

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Choosing the Right ProductsChoosing the Right Products




What’s Next?

Hundreds of product providers,

How do you choose?

thousands of products…

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Flexibility

What are the fees and charges?



Cost-efficiency

What is the tax impact on asset accumulation and income distribution?

Tax-efficiency

Are you confident you’ll get the results you want? Reliability

If something changes in your life, can you easily make adjustments?

What’s Next?

Is the product specifically engineered to address your defined needs?Focus

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Introducing BrightLifeSM Grow• Protect your loved ones

• Potentially build wealth through cash value accumulation and generate income streams for retirement



What’s Next?

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Enabling you to participate in the equity markets

S&P 50010-Year Treasury Bond

11.50%

3.57%

5.21%

3-Month Treasury Bill

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.

Annual Return on Investments, 1928–2013

Compound value of $100 invested on 1/1/1928:

$255,553$6,296$1,973


What’s Next?


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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.

S&P 500 Index

S&P 500 Index with 10% cap,0% floor

1993 1995 1997 1999 2001 2003 2005 2007 2009 2011 2013

Providing 0% floor protection

Dot.comCollapse

GreatRecession

What’s Next?

2,000

1,500

1,000

500

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Shielding you from tax uncertainty


What’s Next?

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With Tax Deferral,Before Withdrawal

Without Tax Deferral



$466,096

$100,000

$284,129

InitialInvestment

Minimizing your tax burden through tax deferral

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.


What’s Next?

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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 1-20. $40,000 annual distributions in years 21-40 (withdrawal to basis, then fixed loans). Industry average represented by 11 competitor products.

Keeping product costs low

$150,0000

$100,000

$50,000

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Average Top Providers

BrightLife Grow

45 50 55 60 65 70 75 80 85 90

Age

11% to 23% lower cost in first 20 years


What’s Next?

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Adding a new source of potential retirement income

YOUR LIABILITIES

YOUR HOUSEHOLD BALANCE SHEET IN RETIREMENT

HealthcareFood Housing

Transportation Fun

YOUR ASSETS


What’s Next?

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Adding a new source of potential retirement income

YOUR HOUSEHOLD BALANCE SHEET IN RETIREMENT

YOUR ASSETS YOUR LIABILITIES


What’s Next?

HealthcareFood Housing

Transportation Fun

Tax Deferred Taxable

IRA Social Security401(k)

AnnuitiesTaxable financial

assets

Potential Tax Free Income

BrightLife Grow

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Taxable Account Tax-Deferred Account

$13,279

$27,100

20 years of asset accumulation

Providing more annual income in retirement


What’s Next?

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.

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Enabling easy access to cash for planned and unplanned expenses

CashSurrender

ValueTax-Free Loans*

Loan value is repaid by the beneficiaries with income

tax-free death benefit

What’s Next?

*See slide 22 for Important Information on policy loans.

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Offering an option to cover long term care expenses

What’s Next?

CashSurrender

Value“Advance” on life insurance benefits

through policy loans and withdrawals*

Remaining value paid to beneficiaries at death

*See slide 22 for Important Information on policy loans.

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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.

Before we continue, consider…

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What’s Next?

Protect your loved ones

Build wealth throughcash value accumulation

Efficiency

Reliability

Flexibility Generate retirement income

Helping you:

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What’sNext?

What’s Next?




Are you concerned about market volatility?

Is saving on taxes important to you?

Is wealth accumulation your primary goal?

Is estate planning or business succession a top concern?


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What’s next for you?


What’s Next?

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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.

BrightLifeSM Protect

Another option for another need

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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 10104.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 12-100 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) 554-1234GE-93557 (4/14)(Exp. 4/16)

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