NAILBA Perspectives Winter 2019 | Page 11

Surprises are fun,
just not in your IUL
?
IUL Protect:
A true IUL, for protection
today and tomorrow
While some Indexed Universal Life (IUL) policies
come with surprises that aren’t a lot of fun –
such as hidden costs – our IUL Protect has no
surprises. It provides long-term security and
stability, with cost-effective, stable premiums.
Simple guarantees
• A “no-math,” no-lapse guarantee to age 90. 1
• A Long-Term Care Services SM 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/protect.
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 Services SM 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 SM Rider. It is paid as an acceleration of the death benefit.
IUL Protect is issued in New York and Puerto Rico by AXA Equitable Life Insurance Company and in all other jurisdictions 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. 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, [phone].
GE-2709743 (9/19) (Exp. 9/21) G572071