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AXA Retirement Cornerstone

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Let AXA help you develop a plan to work toward your financial future.

Retirement Cornerstone® is a “multi-stage” variable annuity built to adapt to your changing needs. The Retirement Cornerstone® variable annuity contains two distinct account within a single tax-deferred product: one account, the Investment Account, offers an extensive selection of over 100 investment portfolios from well-known investment managers, and the other account, the Protected Benefit Account, offers a focused selection of investment portfolios, which fund guaranteed benefit riders, which are optional and available for an additional fee.

Guarantees are based on the claims-paying ability of AXA Equitable Life Insurance Company. This is not a complete description of all material provisions of the Retirement Cornerstone contract.

The Retirement Cornerstone® variable annuity contract is a long-term, tax deferral financial product designed for retirement purposes. There are fees and charges associated with Retirement Cornerstone®, which include a contract fee that covers administrative expenses, operation expenses and distribution expenses.

Not all types of contracts, features and benefits are available in all jurisdictions and all markets. Annuities contain certain limitations and restrictions. We offer other variable annuity contracts with different fees, charges and features. Please call your Financial Professional to learn about the costs and complete details of Retirement Cornerstone® and the availability of this and other contracts.

Variable annuities are subject to market risk including loss of principal. Withdrawals are subject to normal income tax treatment and, if taken prior to age 59½, may be subject to an additional 10% federal income tax. The contractual withdrawal charge declines from 7% over a seven-year period for Retirement Cornerstone® series B.

YOU SHOULD CAREFULLY CONSIDER YOUR INVESTMENT OBJECTIVES AND THE CHARGES, RISK, AND EXPENSES OF RETIREMENT CORNERSTONE®, AS STIPULATED IN THE PROSPECTUS, BEFORE INVESTING. FOR A PROSPECTUS CONTAINING THIS AND OTHER INFORMATION, PLEASE CONTACT YOUR FINANCIAL PROFESSIONAL. READ IT CAREFULLY BEFORE INVESTING OR SENDING MONEY.

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Contract form #s: ICC12BASE4 and ICC12BASE3 and any state variations
Retirement Cornerstone® (February 2015 Version) is issued by AXA Equitable Life Insurance Company, NY, NY. Co-distributed by affiliates AXA Advisors, LLC and AXA Distributors, LLC, (Members FINRA, SIPC).

© 2016 AXA Equitable Life Insurance Company. All rights reserved.

GE-109523(12/15)