As chief spokesman for AXA Equitable, Mr. Winans will be responsible for developing and executing programs to raise public awareness of AXA Equitable's position as a leader in the life and retirement services industry. In addition to managing the external affairs function, Mr. Winans will advise AXA Equitable's CEO on matters regarding the company's reputation and activities related to public policies that affect the entire industry.

"Chris's leadership of AXA Equitable's newly formed External Affairs team will further position the company as a leading insurance provider," Mr. Condron said. "His knowledge, gleaned through many years of experience as a journalist, a Wall Street analyst, and an insurance media-relations professional, uniquely positions him to accelerate our efforts to raise our profile among our many constituencies and to play a constructive role on a broad range of important emerging industry issues."

Prior to joining AXA Equitable, Mr. Winans was Vice President, Media Relations, at American International Group, Inc. Prior to joining AIG in early 2005, he was a vice president in Lehman Brothers' Equity Research Division, covering property/casualty insurers.

Mr. Winans previously held a similar position briefly at Williams Capital following three years as an equity analyst on the property/casualty sector at Morgan Stanley and, before that, at PaineWebber. Before joining the research team in late 1999 at PaineWebber, he was Vice President, Communications, at A.M. Best Co., the U.S. insurance rating agency, where he spent six years.

Before joining A.M. Best in 1993, he was a national news editor at The Wall Street Journal where he spent 10 years following a seven-year career as a journalist on various dailies and a wire service. He is the author of two business biographies, The King of Cash: The Inside Story of Laurence Tisch (John Wiley & Sons, 1995) and Malcolm Forbes: The Man Who Had Everything (St. Martin's Press, 1990). He holds a B.A. from Pennsylvania State University.

About AXA Equitable

In business since 1859, AXA Equitable Life Insurance Company is a leading financial protection company and one of the nation's premier providers of life insurance, annuity, and investment products and services. AXA Equitable's assets under management totaled $888.6 billion as of December 31, 2007.

The company's products and services are distributed to individuals and business owners through its retail distribution channel, AXA Advisors, LLC; to the financial services market through its wholesale distribution channel, AXA Distributors, LLC; and to corporations and their employees through its corporate distribution channel, Corporate Markets.

AXA Equitable, a subsidiary of AXA Financial Inc., is part of the global AXA Group, a worldwide leader in financial protection strategies and wealth management. AXA Group's operations are geographically diverse, with major operations in Western Europe, North America, and the Asia/Pacific region. AXA Group is listed as the 15th largest company in the world on the 2007 Fortune Global 500 list (based on revenues). It had $1.87 trillion in assets under management as of December 31, 2007. Listed on the Paris Stock Exchange, the AXA ordinary share trades under the symbol AXA. The AXA American Depositary Share is listed on the New York Stock Exchange under the ticker symbol AXA. For more information, visit www.axa-equitable.com

SOURCE AXA Equitable Life Insurance Co.

http://www.axa-equitable.com

Highly Competitive Premiums

AXA Equitable's Term Series offers four different level-term products -- Term 10, Term 15, Term 20 and Term 30. Premiums for each product are guaranteed level for the first 10-, 15-, 20- or 30-year period, respectively. After the guaranteed level-premium period expires, premiums increase annually at guaranteed ultimate rates. "For our new Term Series(SM), we have decreased premiums rates across all four products," said Mr. Methot. "Thanks to these reductions, our new Term Series consistently ranks at or near the top versus the competition, especially for our popular Term 20 offering."

Additionally, AXA Equitable's annual renewable term (ART) product has been revised. ART is a non-participating product with two sets of premiums: Current scheduled premiums and guaranteed maximum premiums. The current scheduled premium is guaranteed for the first policy year and increases each year thereafter. However, the scheduled premium will never exceed the guaranteed maximum premiums shown in the policy.

Improved Conversion Privileges

AXA Equitable's new Term Series(SM) makes it easier for clients to convert to permanent life insurance, which offers lifelong protection and the ability to potentially build cash value to help meet financial goals. Unlike some term products that only give policyholders a few years to make up their minds, AXA Equitable's conversion privileges have been extended to the full level term period for 10-, 15-, and 20-year level term. The 10- and 15-year term products are convertible for the full 10- and 15-year level term period and the 20- and 30-year term products are convertible for 20 years. And unlike many competitors, eligible clients can currently convert their level term policies into any AXA Equitable permanent product, not just a select few*.

*Assuming that the policy is currently eligible to convert to permanent coverage under the terms of the contract.

About AXA Equitable's Term Series(SM)

Premiums for all four level-term products are guaranteed for the entire term of the policy. The ART product has two sets of premiums, a current scheduled premium guaranteed for the first policy year which generally increases each year thereafter, and a guaranteed maximum premium. Further, AXA Equitable's Term Series(SM) includes a choice of benefit riders that enable clients to expand their coverage, including a Disability Premium Waiver, and Children's Term Insurance Rider.

All of AXA Equitable's Term Series(SM) products include a Living Benefits Rider that enables policyholders to receive a portion of the death benefit during their lifetime in the event of terminal illness. (The Living Benefits Rider is not available in New Jersey and Washington.) (Policy Forms #147-10, #147-15, #147-20, #147-30, #147-54, Disability Premium Waiver Rider # R85-201, Level Term Insurance Rider -- Children's Term Insurance # R79-33, Accelerated Death Benefit Rider, form # R06-70).

Variations by state may apply to the AXA Equitable's Term Series(SM). Term life insurance products are issued by AXA Equitable Life Insurance Company, New York, NY. All guarantees are based on the claims-paying ability of AXA Equitable Life Insurance Company.

About AXA Equitable

In business since 1859, AXA Equitable Life Insurance Company is a leading financial protection company and one of the nation's premier providers of life insurance, annuity, and investment products and services. AXA Equitable's assets under management totaled $888.6 billion as of December 31, 2007.

The company's products and services are distributed to individuals and business owners through its retail distribution channel AXA Advisors, LLC; to the financial services market through its wholesale distribution channel, AXA Distributors, LLC; and to corporations and their employees through its corporate distribution channel, Corporate Markets.

AXA Distributors, the company's wholesale division, makes available AXA Equitable's proprietary life insurance products and services to brokerage general agents (BGAs), broker/dealers, and independent financial planner producer groups. These products include Athena Universal Life and Athena Survivorship Life; Incentive Life(SM) (IL) Series, including IL Legacy and Survivorship Incentive Life '02; and the AXA Equitable Level Term(SM) and Return of Premium Term(SM) Series.

AXA Equitable, a subsidiary of AXA Financial Inc., is part of the global AXA Group, a worldwide leader in financial protection strategies and wealth management. AXA Group's operations are geographically diverse, with major operations in Europe, North America, and the Asia/Pacific region. AXA Group is listed as the 15th largest company in the world on the 2008 Fortune Global 500 list (based on revenues). It had $1.87 trillion in assets under management as of December 31, 2007. Listed on the Paris Stock Exchange, the AXA ordinary share trades under the symbol AXA. The AXA American Depositary Share is listed on the New York Stock Exchange under the ticker symbol AXA.

AXA Equitable is the creator of MyRetirementShop.com (www.myretirementshop.com), a lifestyle website that's a one-stop-shop for information and resources to help consumers redefine life in retirement. It's the company's latest innovation in our At Retirement(r) platform, committed to helping individuals near and at retirement make informed choices to enhance and preserve their lifestyle.

While a part of the AXA Group, AXA Equitable is solely responsible for its life insurance and annuity obligations.

SOURCE AXA Equitable

http://www.axa-equitable.com

In making today's announcement, Mr. McMahon said, "Manish has an in-depth understanding of multiple business channels across AXA Equitable and has an outstanding track record of delivering high-performance results. We're looking to him to build upon and enhance our slate of strategic initiatives and growth goals for Retail Distribution."

Mr. Agarwal joined the Retail Distribution channel in January 2006 as a Vice President where he was instrumental in the successful conversion of the company's broker/dealer operations to Linsco Private Ledger (LPL), a strategic move by AXA Equitable to provide its financial professionals with enhanced technology and a wider choice of programs and capabilities for better client service. Mr. Agarwal also had overall responsibility for Retail software and hardware, and driving AXA Advisors' sales growth within key opportunity markets, areas he will continue to oversee.

Mr. Agarwal joined AXA Equitable in 2005 as a Vice President in the company's Strategic Initiatives Group, where he worked on a variety of projects touching nearly every area of the organization and driving key performance metrics.

Prior to joining AXA Equitable, Mr. Agarwal was an Engagement Manager with McKinsey & Co. and led client teams in projects across marketing, strategy, corporate finance and operations, primarily within insurance companies.

Mr. Agarwal earned a bachelor of technology in mechanical engineering from the Indian Institute of Technology in Kanpur, India. He earned a master of science and a doctor of philosophy in mechanical engineering from Carnegie Mellon University.

About AXA Equitable

In business since 1859, AXA Equitable Life Insurance Company is a leading financial protection company and one of the nation's premier providers of life insurance, annuity, and investment products and services. AXA Equitable's assets under management totaled $888.6 billion as of December 31, 2007.

The company's products and services are distributed to individuals and business owners through its retail distribution channel, AXA Advisors, LLC; to the financial services market through its wholesale distribution channel, AXA Distributors, LLC; and to corporations and their employees through its corporate distribution channel, Corporate Markets.

AXA Equitable, a subsidiary of AXA Financial Inc., is part of the global AXA Group, a worldwide leader in financial protection strategies and wealth management. AXA Group's operations are geographically diverse, with major operations in Western Europe, North America, and the Asia/Pacific region. AXA Group is listed as the 15th largest company in the world on the 2008 Fortune Global 500 list (based on revenues). It had $1.87 trillion in assets under management as of December 31, 2007. Listed on the Paris Stock Exchange, the AXA ordinary share trades under the symbol AXA. The AXA American Depositary Share is listed on the New York Stock Exchange under the ticker symbol AXA.

AXA Equitable is the creator of MyRetirementShop.com

(www.myretirementshop.com), a lifestyle website that's a one-stop-shop for information and resources to help consumers redefine life in retirement. It's the company's latest innovation in our At Retirement(R) platform, committed to helping individuals near and at retirement make informed choices to enhance and preserve their lifestyle.

SOURCE AXA Equitable Life Insurance Co.

http://www.axa-equitable.com

"We are fortunate to attract a professional of Michael's caliber and experience," Mr. Winans said. "His hands-on experience in financial services communications strategy includes a combined total of 12 years at American International Group and Prudential Financial, with an emphasis on annuities and retirement savings insurance products."

Prior to joining AXA Equitable, Mr. Arcaro was a Director, Media Relations, at American International Group, Inc., where his primary role was supporting communications efforts on behalf of AIG Retirement Services and AIG American General Life, as well as life insurance and retirement operations worldwide. Before joining AIG in 2006, he was Director, Global Communications, at Prudential Financial, where he worked in a number of communications roles during a tenure that spanned almost 10 years.

He holds a bachelor of arts degree from Thomas Edison State College, Trenton, N.J.

About AXA Equitable

In business since 1859, AXA Equitable Life Insurance Company is a leading financial protection company and one of the nation's premier providers of life insurance, annuity, and investment products and services. AXA Equitable's assets under management totaled $802.9 billion as of June 30, 2008.

The company's products and services are distributed to individuals and business owners through its retail distribution channel, AXA Advisors, LLC; to the financial services market through its wholesale distribution channel, AXA Distributors, LLC; and to corporations and their employees through its corporate distribution channel, Corporate Markets.

AXA Equitable is the creator of MyRetirementShop.com (www.myretirementshop.com), a lifestyle website that's a one-stop-shop for information and resources to help consumers redefine life in retirement. It's the company's latest innovation in our At Retirement(R) platform, committed to helping individuals near and at retirement make informed choices to enhance and preserve their lifestyle.

AXA Equitable, a subsidiary of AXA Financial Inc., is part of the global AXA Group, a worldwide leader in financial protection strategies and wealth management. AXA Group's operations are geographically diverse, with major operations in Europe, North America, and the Asia/Pacific region. AXA Group is listed as the 15th largest company in the world on the 2008 Fortune Global 500 list (based on revenues). It had $1.81 trillion in assets under management as of June 30, 2008. Listed on the Paris Stock Exchange, the AXA ordinary share trades under the symbol AXA. The AXA American Depositary Share is listed on the New York Stock Exchange under the ticker symbol AXA. For more information, visit www.axa-equitable.com

SOURCE AXA Equitable

http://www.axa-equitable.com