Help share Investment Edge with your clients. Below is a sample letter message to copy into your letterhead and edit when reaching out to your clients.

Client name

Address1

Address 2

City, State, Zip

Dear (Client),

I’m always looking for new ways to help you look towards your wealth-building goals and defer income taxes on any investment gains. Now, I’ve found an interesting way to do this, and I’d like to share it with you.

The Investment EdgeSM variable annuity offers a wide range of investment opportunities. It also offers compelling tax advantages that can help you potentially build your wealth. This means you can have a diversified portfolio to grow your wealth, while benefiting from tax-deferred growth* opportunities and tax-efficient distribution.**

Let’s talk soon to see if this new approach makes sense for you. This would also be a great time to review your overall wealth-building plans. In the meantime, if you’d like to learn more about Investment Edge, visit www.InvestmentEdge.com.

I will reach out to you soon to schedule a meeting. I look forward to seeing you.

Sincerely,

[Advisor Name]

[Firm name]

[Title, designations]

[Phone number]

* 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 employee sponsored plan will not provide tax deferral benefits beyond those already provided by the Internal Revenue Code.

** This refers to distributions where a portion of it is a return of cost basis and is thus excludible for taxes.

Investment Edge variable annuity is a tax-deferred financial product designed to allow you to invest for growth potential and provide income for retirement. 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.

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.

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 Earnings are taxable as ordinary income when distributed and may be subject to an additional 10% federal tax if withdrawn before age 59½.

Please consider the charges, risks, expenses, and investment objectives carefully before purchasing a variable annuity. For a prospectus containing this and other information, please contact a financial professional. Read it carefully before you invest or send money.

Investment Edge (November 2013 version) is issued by AXA Equitable Life insurance Company, New York, NY and is co-distributed by affiliates, AXA Advisors, LLC and AXA Distributors, LLC. AXA Equitable, AXA Advisors, AXA Distributors do not provide legal or tax advice.

Investment Edge may not be available in all states or jurisdictions.

Contract # ICC13IEBASE1, ICC13IEBASE2 and any state variations.

GE-89518c(11/13)(exp11/15)