A deferred variable annuity, such as retirement cornerstone ®, is a long-term financial product designed for retirement purposes. It is a contractual agreement in which payment(s) are made to an insurance company, which agrees to pay out an income or a lump histiocytoma dog removal cost sum amount at a later date. Variable annuity contracts offer tax-deferred growth potential and optional features such as living and histiocytoma dog removal cost death benefits. Guarantees are based on the claims-paying ability of the issuing company.
Withdrawals from an annuity contract are taxable as ordinary income histiocytoma dog removal cost and, if made prior to age 59½, may be subject to an additional 10% federal tax. Withdrawals may also be subject to withdrawal charges. Amounts invested in an annuity’s portfolios are subject to fluctuation in value and market histiocytoma dog removal cost risk, including loss of principal. There are fees and charges associated with a variable annuity histiocytoma dog removal cost contract, which include, but are not limited to, operations charges, sales and withdrawal charges, administrative fees, and additional charges for optional benefits. See the prospectus for complete details.
If you are purchasing an annuity contract to fund an histiocytoma dog removal cost individual retirement annuity (IRA) or employer-sponsored retirement plan, you should be aware that such annuities do not provide histiocytoma dog removal cost tax-deferral benefits beyond those already provided by the internal revenue histiocytoma dog removal cost code. Before purchasing one of these annuities, you should consider whether its features and benefits beyond tax histiocytoma dog removal cost 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 histiocytoma dog removal cost that you may use in connection with your retirement plan histiocytoma dog removal cost or arrangement.
The contingent withdrawal charge declines from 7% over a seven-year period for the series B product. Please see the prospectus for the withdrawal charge scale for histiocytoma dog removal cost other annuities in the retirement cornerstone ® series. This content is not a complete description of all material histiocytoma dog removal cost provisions of the variable annuity contract. 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 the histiocytoma dog removal cost retirement cornerstone ® contract, which include, but are not limited to, a contract fee and additional charges for optional benefits. In addition, the underlying investment portfolios charge management fees and have other histiocytoma dog removal cost expenses. 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. AXA equitable may discontinue contributions and transfers among investment options histiocytoma dog removal cost or make other changes in contribution and transfer requirements and histiocytoma dog removal cost limitations. If we discontinue contributions and transfers into the protected benefit histiocytoma dog removal cost account, you will no longer be able to fund your guaranteed histiocytoma dog removal cost benefits.
Retirement cornerstone ® is a registered service mark AXA equitable life insurance company, new york, NY 10104. Retirement cornerstone ® variable annuities are issued by AXA equitable life insurance company, new york, NY 10104. All contract and rider guarantees, including optional benefits and any fixed subaccount crediting rates or histiocytoma dog removal cost 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 histiocytoma dog removal cost or any affiliates of those entities and none makes any histiocytoma dog removal cost representations or guarantees regarding the claims paying ability of AXA histiocytoma dog removal cost equitable.
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