AXA Life Insurance Review

Rating: 8.1 / 10 (Excellent)
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Founded in 1859, AXA Equitable Financial Services and its family of companies have been providing financial protection and wealth management strategies, along with life insurance and other employee benefits to over 107 million clients in 64 countries. AXA is a BBB accredited business with an A+ rating and an S&P financial rating of A-.

How is AXA rated?


Financial Strength
Customer Experience

Overall Rating: 8.1 / 10 (Excellent)

Since 1859 AXA has been providing stability and reliability through their broad spectrum of insurance, retirement, and investment solutions. The company, which enjoys an outstanding financial reputation, offers a diverse and comprehensive selection of plans with an impressive variety of riders to choose from. AXA policies are an excellent insurance and investment option for those looking to get the most out of their policy.

Financial Strength

Key Details

AXA Equitable Financial Services, LLC
Marketshare 2016
Premiums Written 2016
Standard & Poor's Financial Rating
Moody's Financial Rating
AM Best Financial Rating

Financial Strength - 8 / 10

AXA's life insurance policies are underwritten by two companies, either AXA Equitable Life Insurance Company or MONY Life Insurance Company of America (MLOA), an Arizona-based stock corporation. Both underwriters have strong financial ratings and are fit to meet their short-term obligations to policyholders. AXA Equitable has an A.M. Best rating of A (Excellent), a Fitch's rating of A+ (Strong), an S&P rating of A+ (Strong), and a Moody's rating of A1 (Good). MLOA does not fall behind, bringing in equally strong ratings from the same agencies.
*The above information reflects the financial strength of the underwriter of the AXA life insurance policies: AXA Equitable Financial Services, LLC .

Reputation & Customer Experience

National Association of Insurance Commissioners

NAIC Complaint Ratio 2016
NAIC Total Complaints 2016
*The NAIC complaint ratio (in this case 0.16) is a ratio of the number of complaints a company received to the its total premiums written in a calendar year. The median complaint ratio across all companies is 1. A score below 1 means the company received fewer than average complaints. A score above 1 means the company received a higher number of complaints than average.

Customer Ratings

BBB Rating
Number of BBB Negative Reviews
Date Collected

Customer Experience - 8.5 / 10

AXA Financial Inc. is a BBB accredited business with an A+ rating. As reported by the NAICS, the ratio of complaints filed against the company for individual life insurance for 2016 fell considerably below the national median, further bolstering AXA's reputation as a stable and dependable company.

AXA Policies

AXA offers customers the following life insurance policies: Term, Whole Life, Universal Life, Variable Universal Life, Indexed Universal Life, Survivorship Life. Because we feel that Term Life insurance is a superior choice for most customers, we've focused our review on the AXA Term Life policy.

Term Life Insurance

Minimum Age
Maximum Age
Minimum Death Benefit
Maximum Death Benefit
Available Terms
1 year
10 year
15 year
20 year

Key Term Policy Features

  • Term-Permanent Conversions
  • Guaranteed Level Premiums
  • Accelerated Death Benefit

Policies - 8 / 10

AXA's line of insurance solutions includes term, whole, universal, indexed universal, variable universal, and survivorship life insurance policies with fixed and flexible premium options and accelerated death benefits. Term insurance policies feature fixed premiums, staple riders such child protection and disability waiver of premiums, and the option to convert into a permanent policy. Their survivorship plans are also quite the rare product in the life insurance industry, as they provide estate tax protection for the policyholder's heirs. AXA's offer is one of the most varied and comprehensive in the market, making them the perfect choice for anyone wanting a broader range of insurance options without having to break the bank.

Flexibility & Available Riders

Available Riders

  • Child Protection Rider

Flexibility - 8 / 10

AXA Life offers an extensive array of plan riders only available with select products. Among such options are the cash value plus, children's term, disability premium waiver, waiver of monthly deductions, estate protector, extended no-lapse guarantee, liquidity, long-term care, and return of premium death benefit riders. Add-on's for their term life products are comparatively limited, however, only affording child protection, living benefits, and disability waiver of premium optional coverages.

Additional Company Information

Homepage URL
Company Phone
(888) 292-4636
Headquarters Address
1290 Avenue of the Americas, 12th Floor, New York, NY, 10104
Year Founded

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