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AXA Equitable Life Insurance Company


AXA Equitable Life Insurance Company is a leading provider of life insurance and financial services in the United States. With a rich history dating back to 1859, the company has established itself as a trusted name in the industry. In this article, we will delve into the company’s history, products, and services, and compare its plans to help you make an informed decision.


AXA Equitable Life Insurance Company was founded in 1859 as the Equitable Life Assurance Society of the United States. Over the years, the company has undergone several transformations, including a merger with AXA in 1991. Today, AXA Equitable is a subsidiary of AXA, a global leader in financial protection and wealth management.

Products and Services

AXA Equitable offers a range of life insurance products and financial services, including:

  • Term Life Insurance: Provides temporary coverage for a specified period (10, 15, 20, or 30 years).
  • Permanent Life Insurance: Offers lifelong coverage with a cash value component.
  • Universal Life Insurance: Combines a death benefit with a savings component that earns interest.
  • Variable Life Insurance: Allows policyholders to invest their cash value in various investments.
  • Indexed Universal Life Insurance: Offers a death benefit and a cash value component that earns interest based on a specific stock market index.
  • Whole Life Insurance: Provides lifelong coverage with a guaranteed death benefit and cash value component.

Comparison of Plans

PlanTermDeath BenefitCash ValuePremium
Term Life10, 15, 20, or 30 yearsYesNoLevel
Permanent LifeLifelongYesYesLevel or Increasing
Universal LifeLifelongYesYesFlexible
Variable LifeLifelongYesYesFlexible
Indexed Universal LifeLifelongYesYesFlexible
Whole LifeLifelongYesYesLevel

Riders and Add-Ons

AXA Equitable offers various riders and add-ons to enhance your policy, including:

  • Accidental Death Benefit Rider: Provides an additional death benefit if you die as a result of an accident.
  • Waiver of Premium Rider: Waives premium payments if you become disabled or critically ill.
  • Long-Term Care Rider: Helps cover long-term care expenses.

Financial Strength and Ratings

AXA Equitable has a strong financial foundation, with:

  • A.M. Best Rating: A (Excellent)
  • Moody’s Rating: A1 (Good)
  • Standard & Poor’s Rating: A+ (Strong)

Customer Service

AXA Equitable offers various channels for customer support, including:


AXA Equitable Life Insurance Company offers a range of life insurance products and financial services to meet your individual needs. With a strong financial foundation and a long history of customer satisfaction, AXA Equitable is a reliable choice for your life insurance needs. Be sure to compare plans and riders to find the best fit for you.

Tables and Comparisons

  • Product Comparison Table
  • Rider and Add-On Comparison Table
  • Financial Strength and Ratings Comparison Table