AXA Life Insurance Review

Additionally, AXA is well-known for its flexible approach to underwriting, which considers factors other than just the facts when determining your risk level. To meet your specific insurance needs, the company offers both a regular policy package and a comprehensive range of optional riders. However, if you want to apply for a policy, you’ll have to do it via a broker. For additional information, here’s a AXA Life Insurance Review.

Pros and Cons of AXA Life Insurance

AXA Life Insurance Review - AXA Logo


  • Option for a yearly renewable term
  • Coverage that’s easily altered
  • Policies that are adaptable over the long term
  • Takes a broader view than just the stats
  • The ability to pay


  • No online quotes
  • Complicated claims process

Equitable life insurance rates

There are a number of elements that go into the price you’re quoted, including your gender, age, and where you live, as well as your smoking history, the quantity of coverage, and the length of your policy.

What affects my rate with Equitable?

The following requirements must be met in order to be eligible for Equitable’s Preferred Elite rate category:

  • Use of cigarettes or other drugs in the past. People who haven’t smoked in the last five years or had a history of drug misuse get the greatest deals.
  • Your record as a driver. DWIs, DUIs, suspensions, and other convictions should be absent from the prior five years, as should more than three moving offenses.
  • Your heart rate and blood pressure levels. In order to be eligible, you must be under the age of 59 and have a blood pressure that does not exceed 140/85.
  • Hobbies or a job. Some professions, such as piloting, carry a higher risk of being excluded from the most favorable rates.

How to get a quote from Equitable life insurance

You’ll have to get in touch with an advisor at Equitable. Use the search function on Equitable’s website to locate a location near you.

What types of life insurance coverage does Equitable offer?

When it comes to insurance, Equitable offers both term and permanent options.

  • Term life insurance. Term life insurance products from Equitable last 1, 10, 15, or 20 years. The premiums are set, and if you die within your term, your beneficiaries will get a guaranteed death benefit.
  • Indexed life insurance is a type of universal coverage. The insurer offers two universal life plans, the premiums and death benefits of which may be customized to meet your specific needs. Because the cash value is linked to an index, it has a higher growth potential.
  • Life insurance with a variable premium. You may choose which stocks, bonds, and mutual funds you want to be included in your investment portfolio with this long-term policy.

What riders can I add to my policy?

You may be able to add these types of riders to your policy for a fee.

Riders with disabilities or in need of life-saving medical attention

  • Rider for increased death benefit. If you’ve been diagnosed with a terminal disease, you may be eligible for a portion of your benefit to help pay for medical expenses, health care, and other essentials in your life.
  • Rider for disability income. If you are between the ages of 18 and 59 and are very disabled or sick, you may be able to terminate or pay off your life insurance.
  • Rider for long-term care. If you have a chronic illness and are getting qualified long-term care services as part of a care plan, you may be eligible for an accelerated death benefit that can be used toward qualifying expenditures.
  • Rider waiving premium fees. The premiums for your coverage will be waived if you become totally handicapped.

General riders

  • Child rider. Coverage for children is available from a minimum of $1,000 up to a maximum of $25,000.
  • Rider that ensures you’ll be insured no matter what happens. In the event of financial difficulties, you can enhance your insurance face amount or buy a new policy using this rider.
  • The premium rider is coming back. The additional death benefit that your beneficiaries will get is based on a percentage of each premium that you pay.
  • Rider for long-term care insurance. For a limited time, you can raise your permanent policy’s death benefit with this rider.

Equitable life insurance reviews and complaints

Better Business Bureau (BBB) accreditation for Equitable, with an A+ rating for client contact. During the previous three years, the Better Business Bureau (BBB) has received 50 complaints, however they pertain to the whole financial services organization, not just the life insurance division. Customers give the business a star rating of 1 out of 5, and the same restrictions apply.

AXA placed 16th out of 22 insurers in the latest JD Power life insurance analysis. Customers gave it a score of 2/5, indicating that there is room for improvement.

Visit our review of Assurity Life Insurance Review for one more insurance review.

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Levi Jorgensen
Levi Jorgensen is a life-long explorer. When he's not writing about life insurance, he works as an appraiser of antiques. He's based in Columbus, Ohio with his wife and 2 children.
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