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Investment Edge ® Variable Annuity

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1) A smart choice for tax-deferred growth potential InvestmentEdge.com Variable Annuity About Investment Edge® What is a variable annuity? Investment Edge® helps you potentially grow your wealth and keep more of what you earn. It allows you to take advantage of: • Diversification to capture growth opportunities and help  manage volatility. • Tax deferral to defer current taxes and promote growth.  • Tax-efficient distributions to adjust your income flow with flexible options available through Income Edge. This product is designed for investors who want tax-deferred growth potential as they seek wealth for retirement and other life goals. Investment activity in Investment Edge® does not generate current income taxes, allowing greater wealth-building opportunities than taxable accounts can offer. Investment Edge® also includes cost- and tax-free rebalancing, a critical component that helps keep portfolios on track with target allocations. Diversification and asset allocation do not guarantee a profit, nor do they eliminate the risk of loss of principal. Facts & Features A variable annuity is a tax-deferred financial product designed to allow you to invest in growth potential and provide income for retirement or other long-term life goals. In essence, an annuity is a contractual agreement in which payment(s) are made to an insurance company, which agrees to pay out income or a lump sum amount at a later date. Variable annuities are subject to market risk including loss of principal. Earnings are taxable as ordinary income when distributed and may be subject to an additional 10% federal tax if withdrawn before age 59½. There are certain limitations and restrictions associated with variable annuities. For costs and complete details of coverage, speak to your financial professional/insurance-licensed registered representative. Please note that an annuity contract purchased to fund an IRA or employer-sponsored plan will not provide tax-deferral benefits beyond those already provided by the Internal Revenue Code. Investment advantages Maximums and minimums •  ackaged Portfolios focus on specific asset categories and P mixes to offer an easy, one-step approach to asset allocation. Issue ages: – Charter Portfoliossm. Professionally constructed  portfolios to match your specific risk tolerance and investment goals. –  anager Select Portfolios. Access to proven M asset allocation portfolios managed by well-known investment managers. Contract Type Investment Edge® Non-Qualified (NQ) 0 – 85 yrs. Traditional IRA 20 – 85 yrs. Roth IRA 20 – 85 yrs. SEP IRA 20 – 85 yrs. – All Asset Alternative Portfolios. One-stop shopping  for a well-diversified portfolio with different levels of alternative assets. Qualified Plan (QP) – Defined Benefit 20 – 85 yrs. QP – Defined Contribution 20 – 85 yrs. – Risk Based Portfolios. Seek to reduce risk in  periods of excess market volatility. Inherited IRA (Traditional & Roth) 0 – 70 yrs. Inherited Non-Qualified (NQ) 0 – 70 yrs. Non-Spousal Beneficiary QP Direct Rollover to an Inherited IRA BCO 0 – 70 yrs. •  vast lineup of individual investment options to build A your own diversified portfolio. Tax advantages •  t every stage – tax-deferred growth potential, tax-free A transfers and tax-efficient payouts. •  arnings, dividends and capital gains are automatically E reinvested without creating taxable events. • Simplified tax-related paperwork. Variable Annuities: • Are Not a Deposit of Any Bank • Are Not FDIC Insured • Are Not Insured by Any Federal Government Agency • Are Not Guaranteed by Any Bank or Savings Association • May Go Down in Value AXA Equitable Life Insurance Company (NY, NY) Non-Spousal Beneficiary QP Direct 0 – 70 yrs. Rollover to an Inherited Roth IRA BCO •  inimum initial premium: $10,000 M •  aximum contribution: $1.5 million M

2) Facts & Features (cont.) Protected Premium Death Benefit •  n added layer of protection for your beneficiaries. Pass on the total A investment in your contract, adjusted for any withdrawals you make. •  lexible – Invest however you want. Drop the benefit at any time. F •  o fee unless your account value falls below your total N contributions, adjusted for any withdrawals you make. •  pplicable fee is a percentage of the gap between your account A value and your total contributions, ranging from 0.6% at age 65 up to 20% at age 95. The fee is assessed daily and deducted on the contract anniversary. •  he Protected Premium Death Benefit is optional and must T be elected at contract issue. The Standard Death Benefit (the contract’s account value) is available at no additional fee. Dollar-cost averaging •  hares are purchased in approximately equal dollar amounts at S regular intervals, regardless of what direction the market is moving. As prices of securities rise, fewer units are bought, and as prices fall, more units are bought. Please note that dollar-cost averaging does not guarantee you will earn a profit or be protected against losses. •  utomatic and no additional fee. A •  hoose the timeframe that best suits you: 3, 6 or 12 months. C Optional rebalancing • Automatic, no additional fee and tax-free. •  hoose quarterly, semiannually or annually. C Costs and expenses Income Edge – Tax-efficient payment program How it works Income Edge is available for no additional fee and allows investors in non-qualified contracts to elect a customized payment program. When elected, Income Edge is designed to pay out the entire account value via scheduled payments over a set period of time and a portion of each payment is a return of your cost basis and thus excludable from taxes. Income Edge is not a guaranteed income benefit. Payments from Income Edge are based on account value and selected duration. How payments are determined T  his tax-free amount is calculated by dividing the remaining cost basis by the number of years in the payment period selected and will not change once calculated. Once you begin taking payments, you may not stop or increase your payment although the contract can be fully redeemed for the then-current account value net of applicable withdrawal charges. The amount of each of the payments made through the Income Edge program is re-determined on an annual basis, meaning that the amount of the payment may vary each year of the payout period. (A combination of adverse investment performance, additional withdrawals and contract fees may reduce the payout period selected. Income values are not guaranteed.) Income Edge Early Retirement Option Income Edge can be elected prior to age 59½ and utilizes the excludable amount tax treatment. The payment program is determined by the IRS’s life expectancy table used for the RMD method under section 72(q). Income Edge Beneficiary Advantage 0.70% Operations fee 0.30% Administration fee 0.10% Distribution fee Inherited Non-Qualified contracts can utilize Income Edge’s excludable amount tax treatment. Certain restrictions apply. Additional important information 1.10% Total Contract Maintenance Fee 1 •  50 annually, waived if AV = $50,000+. $ Contract Fee Breakpoint Credit •  .10% annual fee decrease if account value is greater than or 0 equal to $500,000. •  or each quarter that your account value is at least $500,000, F we calculate a 0.025% fee credit. The total quarterly fee credits are added to your contract on the contract anniversary. Withdrawing your money •  ive-year withdrawal charge schedule (6%, 6%, 5%, 4%, 3%). F •  ccess to 10% of beginning-of-year account value every year A without paying a withdrawal charge. •  here are a variety of distribution options available from Investment T Edge®, including automatic required minimum distributions, systematic withdrawals, or, if you need early withdrawals, substantially equal payments that avoid the 10% IRS tax penalty. The Income Edge payment program does not represent a life contingent annuitization of the Investment Edge®contract. With a life contingent annuitization, the account value is applied to provide periodic payments for life and the Investment Edge®contract and all its benefits terminate. After Income Edge election, extra withdrawals are fully taxable and those in excess of the annual 10% free withdrawal amount will continue to be subject to a withdrawal charge if they are made during the withdrawal charge period. If the contract owner dies after Income Edge is elected, scheduled payments will continue to the beneficiary and any specified form of death benefit payout that you have selected will be invalidated. There are additional restrictions and limitations, including age restrictions and the payout period being limited to specific time periods. Please see the prospectus for more information including Investment Edge® fees and charges. It should be noted that Income Edge is not the only way to take payments that are only partially taxed as this may be accomplished through annuitization of the annuity contract. Unlike a life contingent annuitization, Income Edge allows for a form of annuity payment that is designed to pay out the entire value of the contract via scheduled payments over a set period of time and provides continuous access to the contract’s account value. To learn more, talk with your financial professional or visit InvestmentEdge.com 1 Contract Maintenance Fee is permanently waived upon Income Edge effective date. This fact card is not a complete description of all material provisions of the variable annuity contract. This fact card must be preceded or accompanied by a current prospectus. For costs and complete details of coverage, speak to your financial professional/insurance licensed registered representative. Certain types of contracts, features and benefits may not be available in all states and jurisdictions. AXA Equitable offers other variable annuity contracts with different fees, charges and features. This is not a complete list of all portfolios available through Investment Edge®. Certain portfolios may not be available from all selling broker/dealers. Not every contract is available through the same selling broker/dealer. Investment Edge® may not be available in all jurisdictions. Alternative funds use investment strategies that differ from the buy-and-hold strategy typical in the mutual fund industry. Compared to a traditional mutual fund, an alternative fund typically holds more aggressive nontraditional investments and employs more complex trading strategies. Investors considering alternative funds should be aware of their unique characteristics and risks as described in the prospectus before investing. This fact card was prepared to support the promotion and marketing of AXA Equitable variable annuities. AXA Equitable, its distributors and their respective representatives do not provide tax, accounting or legal advice. Any tax statements contained herein were not intended or written to be used, and cannot be used, for the purpose of avoiding U.S. federal, state or local tax. Please consult your own independent advisors as to any tax, accounting or legal statements made herein. All contract and rider guarantees, including optional benefits and any fixed subaccount crediting rates or annuity payout rates, are backed by the claims-paying ability of AXA Equitable. They are not backed by the broker/dealer from which this annuity is purchased, by the insurance agency from which this annuity is purchased or any affiliates of those entities and none makes any representations or guarantees regarding the claims-paying ability of AXA Equitable. Investment Edge® July 2015 version is issued by AXA Equitable Life Insurance Company, New York, NY. Co-distributed by affiliates AXA Advisors, LLC and AXA Distributors, LLC (members FINRA, SIPC). Contract form #s ICC13IEBASE1, ICC13IEBASE2 and any state variations. “AXA” is the brand name of AXA Equitable Financial Services, LLC and its family of companies, including AXA Equitable Life Insurance Company (NY, NY), AXA Advisors, LLC, and AXA Distributors, LLC. AXA S.A. is a French holding company for a group of international insurance and financial services companies, including AXA Equitable Financial Services, LLC. The obligations of AXA Equitable Life Insurance Company are backed solely by their claims-paying ability. G35902 GE-103649 (7/15) (Exp. 7/17) Cat. #154225 (8/15)