PRESS RELEASE

MARIAN SOLE JOINS AXA PARTNERS TO LEAD LIFE INSURANCE SALES

Joint Sales of AXA Equitable and USFL Products

October 31, 2006 - Marian Sole has joined AXA Partners, the wholesale life insurance division of AXA Distributors LLC, based in Hartford , Conn. , as Senior Vice President of life sales. The announcement was made today by Gary Hirschkron, Senior Vice President of AXA Equitable Life.

"Marian has more than 20 years' experience in the life insurance industry. In particular, her knowledge of and commitment to the brokerage general agent marketplace is exceptional," said Mr. Hirschkron. "I expect Marian to capitalize on the integrated growth of AXA Equitable and U.S. Financial Life Insurance Co. and thereby further our ambition to become a leader in third-party life insurance distribution."

In March, AXA Equitable signaled its commitment to the wholesale life insurance market by announcing the combined distribution of AXA Equitable and U.S. Financial Life (USFL) through AXA Partners. Ms. Sole is responsible for overseeing sales of the proprietary life products offered by both AXA Equitable and USFL via external wholesalers as well as the company's national accounts team.

AXA Partners distributes AXA Equitable life insurance products to brokerage firms and brokerage general agents (BGAs). These products include Athena II Universal Life and Athena II Survivorship Life, AXA Equitable Incentive Life and Survivorship Incentive Life Series and AXA Equitable Level Term Series.

USFL, with its strong brand equity, sells RightTerm term life insurance and RightLife universal life insurance. USFL is recognized for its use of a proprietary underwriting methodology called Clinical Underwriting®, which uses the most current medical research to evaluate applicants individually in order to make better informed underwriting decisions for people with medical risks. USFL's products are distributed by wholesalers to independent BGAs.

AXA Partners and USFL are overseen by Mr. Hirschkron and Senior Vice President Tim Herr. Mr. Hirschkron is responsible for distribution activities, while Mr. Herr is responsible for operations. Ms. Sole will report to Mr. Hirschkron.

Ms. Sole holds the following professional designations: Chartered Life Underwriter (CLU) and Chartered Financial Consultant (ChFC).

Prior to joining AXA Partners , Ms. Sole was a Senior Vice President with Lincoln Financial Group/Jefferson Pilot Financial, where she managed the BGA channel while building within a national accounts unit. From 1999 to 2005, she was employed by MONY, both before and after its merger with AXA, and built the company's wholesale team.

Ms. Sole began her employment with M Financial Group and later worked for both Aetna Inc. / Lincoln National Corp. and The Manufacturers Life Insurance Co. (Manulife).

About AXA

AXA Financial is one of the premier U.S. organizations in financial protection and wealth management through its strong brands: AXA Equitable Life Insurance Company, AXA Advisors, LLC, AllianceBernstein, L.P., Sanford C. Bernstein & Co., LLC, AXA Distributors, LLC, and the MONY family of companies, including MONY Life Insurance Company, and U.S. Financial Life Insurance Company. Member: NYSE, NASD, SIPC. AXA Financial had approximately 693.7 billion in assets under management as of June 30, 2006 . AXA Financial is a member of the global AXA Group, a worldwide leader in financial protection and wealth management. AXA Group's operations are diverse geographically, with major operations in Western Europe , North America and the Asia/Pacific region. AXA Group had approximately $1.39 trillion in assets under management as of June 30, 2006.The AXA ordinary share is listed and trades under the symbol AXA on the Paris Stock Exchange. The AXA American Depositary Share is also listed on the NYSE under the ticker symbol AXA.

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