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While some Indexed Universal Life (IUL) policies come with surprises that aren’t a lot of fun – such as hidden costs – our enhanced IUL Protect has no surprises. It provides long-term security and stability, with costeffective, stable premiums.

Simple guarantees

• A “no-math,” no-lapse guarantee to age 90. 1

• A Long-Term Care ServicesSM Rider with guaranteed protection and flexibility.1,2

• Stress-tested to provide lifetime value and protection if the market underperforms.

Straightforward performance

• Extra Interest Credit is a unique feature that delivers direct cash value to your clients.

• Simple, reliable caps are designed for long-term stability.

Learn more at axaforlife.com/nosurprises

1 Coverage is guaranteed to age 90 of the insured, or for 40 years if the policy is purchased when the insured is under age 50, as long as certain premium payments are maintained. Note: the policy may lapse due to an excessive loan balance. Refer to the policy and all riders for full details.

2 The Long-Term Care ServicesSM Rider has an additional cost, and is subject to restrictions and limitations. A client may qualify for life insurance but not for the Long-Term Care Services ServicesSM Rider.

This flyer is not a complete description of the IUL Protect product, please contact your financial professional for additional information and brochures on this product. IUL Protect is issued in New York an Puerto Rico by AXA Equitable Life Insurance company and in all other jurisdiction by MONY Life Insurance Company of America (MLOA), an Arizona Stock Corporation with its main administration office in Jersey City, NJ 07310. When sold by New York state-based (i.e., domiciled) financial professionals, IUL Protect is issued by AXA Equitable Life Insurance Company (New York , NY).

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.

© 2019 AXA Equitable Life Insurance Company. All rights reserved. 1290 Avenue of the Americas, New York, NY 10104, (212) 554-1234. GE-2407874 (2/19) (Exp. 2/21) G399459