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Investment Guide - A comprehensive guide

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1) Investment Edge® Variable Annuity A smart choice for tax-deferred growth potential Investment Guide InvestmentEdge.com 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)

2) Investment Edge®: Uniquely designed to offer more potential for building wealth Investment Edge® combines a robust line-up of investment opportunities with tax-deferred growth potential1 and tax-efficient distribution. For many investors, it’s a new way to address retirement and long-term wealth goals. With Investment Edge®, you can take advantage of: • Diversification to capture growth opportunities and help manage volatility. Tax Deferral Tax-Efficient Distributions • Tax deferral to defer current taxes and promote growth. • Tax-efficient distributions2 to adjust your income flow with flexible options available through Income Edge. Investor Portfolio Packaged Portfolios In dividual Investment Optio n s You can choose to build your Investment Edge® portfolio entirely from the individual investment options or use them to complement one or more of the four distinct types of Packaged Portfolios. CHARTER PORTFOLIOSSM Combine core and alternative asset classes professionally allocated in an array of diversified portfolios tailored to investment goals and risk tolerance. Well-known investment managers bring their expertise and disciplined processes to investment portfolios. ALL ASSET ALTERNATIVE PORTFOLIOS Broadly diversified portfolios that offer exposure to core investments, like global stocks and bonds, and access to alternative asset classes such as precious metals and global real estate (REITs). RISK BASED PORTFOLIOS Asset allocation portfolios that use a diversified mix of asset classes and underlying funds to help provide consistent performance over time and may reduce volatility. 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. 2 T  his refers to options where a portion of the distribution is a return of cost basis and thus excludable from taxes. It should be noted that Income Edge is not the only way to generate “tax-efficient distributions” as this may be accomplished through annuitization of the annuity contract. 3 By choosing a more aggressive investment option, an investor should be prepared to accept more volatility and risk in exchange for potentially higher returns. Income Edge is not a guaranteed income benefit. Payments from Income Edge are based on account value and duration. 1 1 MANAGER SELECT PORTFOLIOS

3) Access well-known investment managers We work with industry-leading, specialized investment managers to offer an impressive selection of options in a single product. Investment Edge® has over 120 professionally managed investment options that give you access to alternative investments, strategies at your preferred level of risk,3 and diversification and growth opportunities that are generally not available in a typical taxable account. We rigorously research and select premier investment opportunities from well-known managers so that you have a variety of selections to build your portfolio. Diversification and asset allocation do not guarantee a profit, nor do they eliminate the risk of loss of principal. Please keep in mind that all investment portfolios are subject to market risk, including loss of principal. Note: The list above may not include all investment managers. What is a variable annuity? 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 fees and charges associated with a variable annuity contract, which include, but are not limited to, operations charges, sales and withdrawal charges and administrative fees. The withdrawal charge declines from 6% to 3% over five years for Investment Edge®. 2

4) Which Packaged Portfolios meet your needs? Asset Allocation Packaged Portfolios Approach to Asset Morningstar Category* Allocation Underlying Investments Access Well-Diversified Portfolios 7TwelveTM Balanced Portfolio Moderate Allocation S Primarily Exchange Traded Funds American Funds Insurance Series® Asset Allocation FundSM Moderate Allocation D Active security selection by manager AXA Aggressive Allocation Portfolio Large Blend S Multiple-managed funds that include risk based strategies AXA Moderate Allocation Portfolio Conservative Allocation S Multiple-managed funds that include risk based strategies AXA Moderate-Plus Allocation Portfolio Moderate Allocation S Multiple-managed funds that include risk based strategies AXA/AB Dynamic Moderate Growth Portfolio Moderate Allocation DV Active security selection by manager BlackRock Global Allocation V.I. Fund World Allocation DV Active security selection by manager Charter Aggressive Allocation S Full range of funds and ETFs CharterSM Conservative Portfolio Conservative Allocation S Full range of funds and ETFs Charter Growth Portfolio Moderate Allocation S Full range of funds and ETFs CharterSM Moderate Growth Portfolio Moderate Allocation S Full range of funds and ETFs Charter Conservative Allocation S Full range of funds and ETFs Franklin Templeton VIP Founding Funds Allocation Fund Aggressive Allocation S Proprietary Franklin Portfolios Invesco V.I. Balanced-Risk Allocation Fund World Allocation DV Active security selection by manager Ivy Funds VIP Asset Strategy World Allocation D Active security selection by manager Janus Aspen Balanced Portfolio Moderate Allocation D Active security selection by manager JPMorgan Insurance Trust Global Allocation Portfolio World Allocation D Active security selection by manager JPMorgan Insurance Trust Income Builder Portfolio Conservative Allocation D Active security selection by manager PIMCO VIT Global Multi-Asset Portfolio Tactical Allocation D Active security selection by manager Putnam VT Global Asset Allocation Fund Moderate Allocation D Active security selection by manager QS Legg Mason Dynamic Multi-Strategy VIT Portfolio Moderate Allocation D Active security selection by manager SEI VP Conservative Strategy Fund Conservative Allocation S Multi-manager SEI funds SEI VP Balanced Strategy Fund Conservative Allocation S Multi-manager SEI funds SEI VP Moderate Strategy Fund Conservative Allocation S Multi-manager SEI funds SEI VP Market Plus Strategy Fund Aggressive Allocation S Multi-manager SEI funds SEI VP Market Growth Strategy Fund Aggressive Allocation S Multi-manager SEI funds SM SM SM 3 Aggressive Growth Portfolio Moderate Portfolio

5) Target Packaged Portfolios Approach to Asset Morningstar Category* Allocation Underlying Investments Access International Opportunities CharterSM International Moderate Portfolio World Allocation S Full range of funds and ETFs Conservative Allocation S Full range of funds and ETFs First Trust/Dow Jones Dividend & Income Allocation Portfolio Moderate Allocation S Active security selection by manager First Trust Multi Income Allocation Portfolio Conservative Allocation S Active security selection by manager Franklin Income VIP Fund Conservative Allocation D Active security selection by manager Access Income Opportunities CharterSM Income Strategies Portfolio Access Rising Inflation and Interest Rate Strategies CharterSM Real Assets Portfolio World Allocation S Full range of funds and ETFs Charter Conservative Allocation S Full range of funds and ETFs SM Interest Rate Strategies Portfolio Access Diversified Alternative Asset Classes All Asset Aggressive – Alt 25 Portfolio Aggressive Allocation SD Full range of funds and ETFs All Asset Aggressive – Alt 50 Portfolio Aggressive Allocation S Full range of funds and ETFs All Asset Aggressive – Alt 75 Portfolio World Stock S Full range of funds and ETFs CharterSM Alternative 100 Moderate Portfolio Conservative Allocation S Full range of funds and ETFs Approach to Asset Allocation: S - Static target allocation that seeks to maintain a specific risk/return profile D - Dynamic based on manager’s outlook DV - Dynamic based on manager’s outlook with primary focus on managing portfolio volatility * Morningstar Categories are subject to change. Information is as of 3/31/2015. Please refer to the back page for Morningstar Category definitions and other important information. 4

6) Individual Investment Options Investment Edge® offers a robust, well-known line-up of individual investments, spanning a range of investing styles, that enable you to build a well-diversified portfolio, or further refine and complement your choice of Packaged Portfolio. Large Cap Value AB VPS Growth and Income Portfolio EQ/Large Cap Value Index Portfolio ClearBridge Variable Dividend Strategy Portfolio Franklin Mutual Shares VIP Fund EQ/BlackRock Basic Value Equity Portfolio MFS® Value Series EQ/Boston Advisors Equity Income Portfolio T. Rowe Price Equity-Income Portfolio-II Large Cap Blend American Funds Insurance Series® Growth-Income FundSM Franklin Rising Dividends VIP Fund EQ/Common Stock Index Portfolio Hartford Capital Appreciation HLS Fund EQ/Equity 500 Index Portfolio MFS® Investors Trust Series Fidelity® VIP Contrafund® Portfolio Putnam VT Research Fund Large Cap Growth AXA/Loomis Sayles Growth Portfolio EQ/T. Rowe Price Growth Stock Portfolio ClearBridge Variable Aggressive Growth Portfolio Hartford Growth Opportunities HLS Fund EQ/Calvert Socially Responsible Portfolio MFS® Research Series EQ/Large Cap Growth Index Portfolio Mid Cap Value AB VPS Small/Mid Cap Value Portfolio American Century VP Mid Cap Value Fund Mid Cap Blend EQ/Mid Cap Index Portfolio Mid Cap Growth EQ/Morgan Stanley Mid Cap Growth Portfolio Fidelity® VIP Mid Cap Portfolio Federated Kaufmann Fund II Small Cap Value CharterSM Small Cap Value EQ/GAMCO Small Company Value Portfolio Small Cap Blend EQ/Small Company Index Invesco V.I. Small Cap Equity Fund Small Cap Growth AXA/AB Small Cap Growth Portfolio Charter SM Ivy Funds VIP Micro Cap Growth Small Cap Growth International (Excludes U.S.) American Funds Insurance Series® International Growth and Income Fund Invesco V.I. International Growth Fund MFS® International Value Portfolio SM EQ/International Equity Index Portfolio Neuberger Berman International Equity Portfolio EQ/MFS International Growth Portfolio Emerging Market American Funds Insurance Series® New World Fund® EQ/Emerging Markets Equity PLUS Portfolio Delaware VIP® Emerging Markets Series Lazard Retirement Emerging Markets Equity Portfolio Global (Includes U.S.) AB VPS Global Thematic Growth Portfolio AXA/Templeton Global Equity Managed Volatility American Funds Insurance Series® Global Growth FundSM BlackRock Global Opportunities V.l. Fund American Funds Insurance Series Global Small EQ/Oppenheimer Global Portfolio ® 5 Capitalization FundSM

7) Sector Invesco V.I. Global Health Care Fund Multimanager Technology Portfolio Ivy Funds VIP Science and Technology T. Rowe Price Health Sciences Portfolio-II MFS® Utilities Series Core Bond AXA/DoubleLine Opportunistic Core Plus Bond Fidelity® VIP Strategic Income Portfolio Delaware VIP Diversified Income Series Janus Aspen Flexible Bond Portfolio Eaton Vance VT Floating-Rate Income Fund Lord Abbett Series Fund Bond Debenture Portfolio EQ/Core Bond Index Portfolio PIMCO VIT Total Return Portfolio EQ/Intermediate Government Bond Portfolio Putnam VT Diversified Income Fund ® Short Term Bond AXA/AB Short Duration Government Bond Portfolio EQ/PIMCO Ultra Short Bond Portfolio Delaware VIP® Limited-Term Diversified Income Series Inflation Linked (TIPS) American Century VP Inflation Protection Fund EQ/PIMCO Global Real Return Portfolio High Yield Bond EQ/High Yield Bond Portfolio Invesco V.I. High Yield Fund Federated High Income Bond Fund II International Bond PIMCO VIT Emerging Markets Bond Portfolio Templeton Global Bond VIP Fund PIMCO VIT Global Bond Portfolio (Unhedged) Van Eck VIP Unconstrained Emerging Markets Bond Fund Alternative/Specialty ALPS/Red Rocks Listed Private Equity Portfolio Guggenheim VIF Global Managed Futures Strategy Fund AXA SmartBeta Equity Portfolio Janus Aspen INTECH U.S. Low Volatility Portfolio EQ/Convertible Securities Portfolio Neuberger Berman Absolute Return Multi-Manager Portfolio EQ/GAMCO Mergers and Acquisitions Portfolio Putnam VT Absolute Return 500 Fund EQ/Low Volatility Global ETF Portfolio Commodity AXA Natural Resources PIMCO VIT CommodityRealReturn® Strategy Portfolio EQ/Energy ETF Portfolio Van Eck VIP Global Hard Assets Fund Ivy Funds VIP Energy REIT AB VPS Real Estate Investment Portfolio Invesco V.I. Global Real Estate Fund EQ/Real Estate PLUS Portfolio Cash/Cash Equivalent EQ/Money Market Portfolio 6

8) Morningstar Categories Aggressive Allocation portfolios seek to provide both capital appreciation and income by investing in three major areas: stocks, bonds, and cash. These portfolios tend to hold larger positions in stocks than moderate-allocation portfolios. These portfolios typically have 70% to 90% of assets in equities and the remainder in fixed income and cash. Conservative Allocation portfolios seek to provide both capital appreciation and income by investing in three major areas: stocks, bonds, and cash. These portfolios tend to hold smaller positions in stocks than moderate-allocation portfolios. These portfolios typically have 20% to 50% of assets in equities and 50% to 80% of assets in fixed income and cash. Large Blend portfolios are fairly representative of the overall U.S. stock market in size, growth rates, and price. Stocks in the top 70% of the capitalization of the U.S. equity market are defined as large cap. The blend style is assigned to portfolios where neither growth nor value characteristics predominate. These portfolios tend to invest across the spectrum of U.S. industries, and owing to their broad exposure, the portfolios’ returns are often similar to those of the S&P 500 Index. Moderate Allocation portfolios seek to provide both capital appreciation and income by investing in three major areas: stocks, bonds, and cash. These portfolios tend to hold larger positions in stocks than conservative-allocation portfolios. These portfolios typically have 50% to 70% of assets in equities and the remainder in fixed income and cash. Tactical Allocation portfolios seek to provide capital appreciation and income by actively shifting allocations between asset classes. These portfolios have material shifts across equity regions and bond sectors on a frequent basis. To qualify for the Tactical Allocation category, the fund must first meet the requirements to be considered in an allocation category. Next, the fund must historically demonstrate material shifts within the primary asset classes either through a gradual shift over three years or through a series of material shifts on a quarterly basis. The cumulative asset class exposure changes must exceed 10% over the measurement period. World Allocation portfolios seek to provide both capital appreciation and income by investing in three major areas: stocks, bonds, and cash. While these portfolios do explore the whole world, most of them focus on the U.S., Canada, Japan, and the larger markets in Europe. It is rare for such portfolios to invest more than 10% of their assets in emerging markets. These portfolios typically have at least 10% of assets in bonds, less than 70% of assets in stocks, and at least 40% of assets in non-U.S. stocks or bonds. World Stock: an international fund having more than 20% of stocks invested in the United States. 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 non-traditional 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. Certain portfolios may feature AXA Equitable’s proprietary managed-volatility strategy (or may invest in underlying portfolios that feature this strategy) that currently utilizes futures and options to manage equity exposure when market volatility increases above specific thresholds set for the portfolio. It is not possible to manage volatility fully or perfectly, which could cause these portfolios to underperform or experience losses. If you are purchasing an annuity contract to fund an Individual Retirement Annuity (IRA) or employer-sponsored retirement plan, you should be aware that such annuities do not provide tax-deferral benefits beyond those already provided by the Internal Revenue Code. Before purchasing one of these annuities, you should consider whether its features and benefits beyond tax deferral meet your needs and goals. You may also want to consider the relative features, benefits and costs of these annuities with any other investment that you may use in connection with your retirement plan or arrangement. This brochure is not a complete description of all material provisions of the variable annuity contract. This brochure must be preceded or accompanied by a current prospectus and any applicable supplements. The prospectus contains more complete information, including investment objectives, risks, charges, expenses, limitations and restrictions. Please read the prospectus and any applicable supplements, and consider this information carefully before purchasing a contract. There are certain contract limitations and restrictions associated with an Investment Edge® contract. 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 jurisdictions. AXA Equitable offers other variable annuity contracts with different fees, charges and features. Not every contract is available through the same selling broker/dealer. This brochure 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 penalties. 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 claimspaying ability of AXA Equitable. Investment Edge® is a registered service mark of AXA Equitable Life Insurance Company. Investment Edge® July 2015 version is issued by AXA Equitable Life Insurance Company, New York, NY 10104. Co-distributed by affiliates AXA Advisors, LLC and AXA Distributors, LLC, New York, NY 10104. 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 its claims-paying ability. © 2015 AXA Equitable Life Insurance Company. All rights reserved. G35392 GE-103524 (7/15) (Exp. 7/17) Cat. #154221 (7/15) InvestmentEdge.com