Retirement Cornerstone - Axa（退休的基石安盛）.pdf

Retirement Cornerstone® variable annuity with guaranteed benefit riders Helping to Protect your Income in Unpredictable Markets Variable Products: Are Not a Deposit of Any Bank • Are Not FDIC Insured by Any Federal Government Agency • Are Not Guaranteed by Any Bank or Savings Association • May Go Down in Value /axalearning/vu?pi=zGgz7q0Ghz6Epdz0&intk=946969107 GE-68809 (6/12) AXA Equitable Life Insurance Company (NY,NY) GE-65526 4/12) (exp 4/14) What is a Variable Annuity? A variable deferred annuity is a long-term financial product designed for retirement purposes. In essence, an annuity is a contractual agreement in which payment(s) are made to an insurance company, which agrees to pay out an income or a lump sum amount at a later date. Typically, variable annuities have mortality and expense risk charges, account fees, investment management fees, administrative fees, and charges for special contract features. Retirement Cornerstone is subject to these fees and charges. In addition, annuity contracts have restrictions and limitations. For costs and complete details, please contact a financial professional. Withdrawals may be subject to contractual withdrawal charges and, if taken prior to age 59½, an additional 10% federal tax may apply in addition to any ordinary income tax. Variable annuities are subject to investment risks, including the possible loss of principal invested. Guarantees are based on the claims-paying ability of AXA Equitable Life Insurance Company. This presentation must be preceded or accompanied by a current Retirement Cornerstone® prospectus. The prospectus contains more complete information, including investment objectives, risks, charges, expenses