Complete suite of coverage options:

With AXA Equitable, you can choose a term life policy for temporary coverage lasting from one to 30 years. If you're looking for permanent protection, you can find whole life policies and several types of universal life options, including standard, variable, and indexed policies. AXA Equitable also provides every common coverage option in the industry to help ensure that you have the policy flexibility and protections you need to feel confident in your policy purchase. Cash surrender and return of premium options offer access to the accumulated value of your policy, while term conversion and survivorship options provide improved flexibility later in your policy period. You even have access to a mortgage life option to help pay off outstanding mortgage debt and a whole life vanishing premium option that provides lower premium payments as your income decreases later in life.

Full-featured policies:

AXA Equitable provides you with a stable and predictable life insurance product that also delivers the flexibility you need to respond to sudden life changes. AXA Equitable life insurance policyholders have access to all of the most common policy features in the industry, including an interest rate guarantee, a partial surrender option, access to your policy's accumulated value, and periodic dividends with a paid-up additions option. Waivers on premium payments and monthly policy deductions are granted in the event that you can't work due to injury and are having trouble paying for your policy. A strong lapse guarantee ensures your policy won't be canceled if you inadvertently forget to pay your premium on time. Depending on the type of policy you select, you may also have the option to choose between level, graded, or dynamic premiums and between level or variable death benefits. If you're interested in a term life policy, you're sure to appreciate AXA Equitable's term renewal and no-exam term conversion guarantees, which enable you to extend your protection if your changing needs require it.

Very helpful learning materials:

AXA Equitable's policy guides provide just the kind of information you need to make a confident policy decision, offering easy-to-follow advice for virtually all types of life insurance buyers. For example, if you're just getting started in your career and have a young family to protect, you can navigate right to a policy guide designed just for your circumstances. You can find great advice on starting an inexpensive life insurance policy, with simple calculator tools to estimate your needs and links to recommended AXA Equitable products. Similar guides are available for shoppers at many different stages of their lives.


No online purchase option:

When it comes time to purchase an AXA Equitable's policy, you must contact a company representative for personal service. This isn't uncommon among life insurance companies, but it is somewhat inconvenient for shoppers who prefer to work through policy coverages and optional riders on their own. That said, many shoppers are sure to appreciate AXA Equitable's emphasis on providing personal service through its network of agents.

Restrictive payment options:

AXA Equitable customers only have the option to make premium payments by personal check or by checking account transfer. Although checking account transfers can be set up online, you need to input your account information and your bank's ABA routing number, which may require a phone call to your bank. Adding simple debit or credit card and telephone payment options would help put the company on equal footing with many of the top insurers in the market.


A.M. Best FSR Rating A+
A.M. Best ICR Rating aa-
Moody's Rating Aa3
Policy Offerings Term, Whole, Universal
Standard & Poor's Rating A+


  • A.M. Best "Excellent" or Better The insurance company has an A.M. Best rating of "A-" or better.

  • ICR Rating "Stable" The insurance company has an A.M. Best Credit Rating of "Stable" or better.

  • Moody's "Very Strong" The insurance company has a Moody's rating of "Aa3" or better.

  • S&P Rated "Very Strong" The insurance company has an S&P rating of "AA-" or better.

  • Cash Value Access The policy owner can access or borrow against the value of policy accounts.

  • Dividends The policy owner can receive periodic dividends based on account performance.

  • Dynamic Premium Amount You decide the amount and date of premium payments, subject to basic minimums.

  • Expiration or Lapse Guarantee The policy does not expire if premiums paid are insufficient.

  • Graded Premium Option The life insurance company offers a policy that starts with a low initial premium and gradually increases over time.

  • Guaranteed Level Premiums Premiums do not increase over time but remain constant for the entire life of the policy.

  • Interest Rate Guarantee You receive a guaranteed minimum level of interest in the contract.

  • Level Death Benefit A policy where the death benefit remains level is available.

  • No Exam Term Conversion The insurance company guarantees conversion of a term policy to a cash value or permanent policy offered by the life insurance company without a physical exam.

  • Paid-Up Additions You can purchase additional insurance with paid-out policy dividends.

  • Partial Surrenders You can withdraw funds up to a certain percentage of the policy value.

  • Tax-Deferred Growth The cash value of the policy grows tax-deferred.

  • Term Renewal Guarantee You are guaranteed a renewal option annually after term expiration.

  • Variable Death Benefit A policy where the death benefit increases or decreases with your policy account value is available.

  • Waiver of Monthly Deductions Future monthly deductions are waived in the event of disability.

  • Limited Premium Payments Whole life insurance premium payments can be limited to a fixed number of years.

  • Accelerated Benefit for Terminal Illness A rider which grants early access to the death benefit to defray the cost of a terminal illness is available.

  • Accidental Death Benefit A rider that pays an additional death benefit in the event of the accidental death of the insured is available.

  • Additional Insured Rider A rider that extends coverage to an additional person/spouse is available.

  • Child Rider An added rider that covers the death of your child is available.

  • Estate Protection Rider A rider that provides extra coverage to offset estate taxes if the policy is included in the insured's estate is offered.

  • Final Expenses Policy A rider or a policy that covers funeral expenses is available.

  • Long-Term Care Rider A rider is available that covers the cost of long-term care if needed during the policy term.

  • Disability Income Rider An added rider that provides income in the event of a bodily injury that prevents you from working is offered.

  • Whole Life Guaranteed Insurability Rider An option to guarantee future insurability at standard rates without further proof of insurability is available.

  • All Policy Types Term, whole, and universal coverage options are available.

  • Cash Surrender Option Policyholders of lapsed or surrendered policies can request immediate cash disbursement or remaining balances.

  • Flexible Coverage Options Low initial coverage options below $100,000 are available.

  • Mortgage Life Option A policy in which the death benefit stays level for a fixed number of years but then decreases over the remainder of the term is available.

  • Return of Premium Option An option is available where the premiums paid over the life of the policy are returned at the end of the term less any deductions or loans taken.

  • Survivorship/Joint Coverage Option The policy covers two people and is paid when the first or the last of the two people covered in the policy dies.

  • Term Conversion Option Conversion to a cash value or permanent policy is offered by the life insurance company.

  • Whole Life Vanishing Premium Option A whole life policy whose dividends can be used to reduce future premium payments is available.

  • Email/Ticket An email or ticket system dedicated to support is available.

  • Phone You can get support by phone.

  • Social Media You can contact the insurance provider with questions through social media websites.

  • Live Chat You can get support through live chat.

  • Assignment Clause The insurance policy is freely assignable to anyone.

  • Automatic Premium Loan Provision The insurance provider can automatically pay an outstanding premium with a policy loan, preventing a lapse of coverage.

  • Grace Period The insured has a grace period after missing a premium payment before the policy is cancelled.

  • Incontestable Clause After an initial period, the provider can no longer contest or revoke the policy.

  • No Medical Exam Required A medical exam is not required in order to qualify for a policy.

  • Waiver of Premium An option that waives the premium payment if the policyholder becomes disabled or otherwise unable to pay is available.

  • Interest-Free Cash Value Loan You can borrow against the cash value of the policy without paying interest.

  • No Maximum Age No maximum age for policy coverage is imposed.

  • No Maximum Coverage Level The provider does not impose a maximum coverage level.

  • No Minimum Age The provider does not impose a minimum age for policy coverage.

  • No Minimum Coverage Level The provider does not impose a minimum coverage level to start a policy.

  • No Minimum Premium The provider does not impose a minimum premium amount in the early stages of a policy.

  • Policy Discount A discount is offered if you hold additional insurance with the life insurance company.

  • FAQs You have access to a collection of relevant frequently asked questions and answers.

  • Glossary You have access to an online resource that explains commonly used insurance terminology.

  • Learning Resources You have access to online resources that explain the various types of life insurance.

  • Level of Coverage Calculator An online tool to determine the level of insurance coverage that you need is available.

  • Policy Selection Guidance A tool or guide to help you select the best type of coverage is offered.

  • Claim Status and Management Death claims can be managed online.

  • Online Agent Contact You can forward the details of your online rate quote directly to an agent for review.

  • Online Purchase You can purchase a new policy over the Internet.

  • Online Quotes You can obtain a term insurance quote online.

  • Automatic Payments Premium payments can be automatically scheduled.

  • Bank Account Payment You can pay your premiums with a linked bank account.

  • Online Premium Payment You can pay your premiums online.

  • Credit Card Payment You can pay your premiums with a credit card.

  • Phone Payments You can pay your premiums over the phone.

  • Single Premium Payment An option to pay a single life premium payment up front for whole or universal life insurance is available.

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