Market Overview

AXA Announces Addition of Long-Term Care Services(SM) Rider to Guaranteed Issue Program

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AXA, a leader in providing financial security and retirement products,
announced today that it is now offering its competitive Long-Term Care
ServicesSM Rider (LTCSR)1 to its Guaranteed Issue
Program, giving employers a way to offer the long-term care coverage
their key executives want and need.

AXA's Guaranteed Issue Program streamlines the process for obtaining
life insurance. It is based on formulas and employee classifications,
instead of lengthy medical questionnaires and exams, and is now able to
offer the only true long-term care rider in a Guaranteed Issue Program.

"We heard our clients saying that they are always looking for ways to
attract, reward and retain key executives," said Ronald Herrmann, Head
of the US Life business for AXA. "By adding the option of the LTCSR to
our Guaranteed Issue Program, we're able to strengthen our offering and
provide clients with a way to offer long-term care coverage that their
key executives are looking for."

Traditionally, employers have offered retirement benefits or life
insurance or a combination of the two. Now they have the flexibility to
round out their benefits plan by adding long-term care coverage as part
of the Guaranteed Issue Program. One of the most competitive and
flexible long-term care riders in the industry, AXA's Long-Term Care
ServicesSM Rider requires no receipts; has features that may
help their employees keep pace with rising long-term care costs; doesn't
allow the policy to lapse while claims are being paid; and allows the
employee's condition to be temporary. 2 The Guaranteed Issue
Program also offers the flexibility for key executives to be added to
the plan in later years and is fully portable, so they can take the
coverage with them should they leave the company.

AXA's Guaranteed Issue Program with Long -Term Care ServicesSM
Rider option provides protection and flexibility for employees and their
families, without the typical tradeoffs. They are able to receive
traditional life insurance protection; additional ways to save for and
help preserve retirement income (with the cash value of permanent life
insurance); tax-deferred growth; a tax-free life insurance benefit; and
an option to help pay for long-term care expenses without having to use
their savings.

1 The Long-Term Care ServicesSM Rider does have an
additional cost and is subject to restrictions and limitations. Clients
may qualify for life insurance, but not for the Long-Term Care ServicesSM
Rider.

2 Not applicable in CT and NY.

About AXA

"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. In
business since 1859, AXA Equitable Life Insurance Company is a leading
financial protection company and one of the nation's premier providers
of life
insurance
annuity,
and financial products and services distributed to individuals and
business owners through its retail distribution channel, AXA Advisors,
LLC (member FINRA, SIPC) and to the financial services market through
its wholesale distribution channel, AXA Distributors, LLC. 1290 Avenue
of the Americas, New York, NY 10104.

AXA S.A. is a Paris-headquartered holding company for a group of
international insurance and financial services companies, including AXA
Equitable Financial Services, LLC companies. AXA S.A. is a worldwide
leader in financial protection strategies and wealth management with 107
million clients in 64 countries as of Dec. 31, 2016. AXA S.A. has been
ranked the No. 1 insurance brand in the world by Interbrand
for eight consecutive years as of year-end 2016.

The obligations of AXA Equitable Life Insurance Company and MONY Life
Insurance Company of America are backed solely by their own
claims-paying ability. Find AXA on FacebookTwitter and LinkedIn.
For more information, visit www.axa.com.

GE-126636 (6/17)

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