AXA Life Insurance Review

Rating: 8.1 / 10 (Excellent)
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AXA provides a complete range of life insurance policies for helping people find financial security and protection for their families. The company particularly stands out with their investment and cash accumulation targeted life insurance plans. It offers flexible premium options and plan features such as cash value access, guaranteed benefits and a waiver on premium payments to name a few.


Plan Details


Guaranteed benefits

Convertible to permanent insurance

Build cash values

Investment options

Flexible premiums

Downside protection

Estate planning


Life Insurance Plans Offered


A. Term Life Insurance

  • 1, 10, 15, 20 years
  • $50,000 minimum coverage
  • For ages 18 to  99 years
  • Increasing premiums every year
  • Convertible to permanent insurance
  • Living benefits rider


B. Universal Life

  • Lifetime coverage
  • $50,000 minimum coverage
  • Guaranteed minimum death benefit
  • Guaranteed minimum cash benefit
  • Fixed premiums
  • Build cash value
  • Opportunity to earn dividends


C. Universal Life

  • Flexible premiums
  • $50,000 minimum coverage
  • Lifetime coverage
  • 18 up to 85 years


D. Indexed Universal Life

  • Designed for cash accumulation
  • Downside protection
  • Flexible premiums
  • Interest crediting linked to major market indexes (equities)


E. Variable Universal Life (Incentive Life Optimizer II)

  • Designed for cash accumulation
  • Flexible premiums
  • Investment options


F. Variable Universal Life (Incentive Life Legacy III)

  • Permanent life insurance
  • Flexible premiums
  • Downside protection
  • Growth potential (up to a cap)


G. Survivorship Life Insurance (Survivorship Incentive Life Legacy)

  • Flexible premiums
  • Estate planning
  • Investment options


H. Survivorship Life Insurance (Athena Survivorship Universal Life IV)

  • Flexible premiums
  • Coverage for two people
  • Fixed interest
  • Estate planning


Plan Riders

Child protection


Accelerated living/ death benefits

Over loan protection

Survivorship option

Guaranteed minimum benefit

Long term care

No lapse guarantee


Financial Summary

Standard and Poor’s


Moody’s Rating


A.M. Best FSR



AXA Life Insurance - Final Thoughts

AXA Life Insurance offers an attractive Tem Life policy that makes it easy for people seeking short term protection or a quick way to enroll in a life insurance plan and later converted to a permanent life insurance plan. Although it offers a good range of policies from Term life to Variable life insurance plans, we noticed that it does not possess the same level of in-depth rider options available with the other leading life insurance providers. AXA also has a number of plans which focus on the investment or cash accumulation aspect which makes it perfect for those who would like to take full advantage of their premiums. A good buy for life insurance and investment shoppers.   



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