PRESS RELEASE

NEW GENERATION OF VARIABLE ANNUITIES PROVIDES MORE FLEXIBILITY AND BENEFIT OPTIONS

New York, N.Y. May 30, 2007 - AXA Equitable Life Insurance Co. today premiered enhancements to its Accumulator® series of variable annuities, including an expanded choice of "living benefits" and the unbundling of optional income and death benefits.

"The variable annuities that are available now are more sophisticated and offer more benefits than those from 10 years ago," said Barbara Goodstein, AXA Equitable's Executive Vice President of Marketing and Product Development. "In addition to securing guaranteed income for life and providing a legacy for loved ones, the new generation of annuities gives contract holders a great deal of flexibility. Americans who are at or near retirement can customize the living benefits that best match their needs and goals."

AXA Equitable added a 6.5% roll-up benefit for contracts with certain Guaranteed Minimum Income Benefit (GMIB) and Guaranteed Minimum Death Benefit (GMDB) riders. This is in addition to the company's existing 6% roll-up benefit. The GMIB is an optional rider that provides contract holders with a "floor" of guaranteed income for life. The guaranteed income is derived from a GMIB benefit base that equals the contributions compounded annually at either 6% or 6.5% or, if greater, the account value on the contract's anniversary. (This feature is available for an additional fee.) AXA Equitable pioneered living benefits in annuity products in 1996 with its GMIB.

The annual re-set feature of the roll-up portion of the GMIB benefit base means that, on any contract anniversary that the account value is higher than the roll-up benefit base, the owner can re-set the roll-up benefit base to equal the account value. Contract holders can choose the annual re-set up until age 75. However, each annual re-set triggers a new 10-year waiting period until contract holders can exercise their GMIB (unless the original exercise date would be later).

An added advantage of the increased roll-up amount is that contract holders can withdraw up to 6.5% or 6% of the GMIB benefit base from the money in their annuity's underlying investment account and still keep the benefit base level, even if the account does not perform well.

The GMIB also includes a No-Lapse Guarantee, which means that, if the account value falls to zero, AXA Equitable will exercise the GMIB for the contract holder as long as no "excess" withdrawals have been taken. If no withdrawals are taken, though, the roll-up portion of the GMIB benefit base continues to roll up daily at 6.5% or 6%, which compounds annually.

For the first time, AXA Equitable is now offering the GMIB with the annual re-set feature as a stand-alone benefit that is separate from the GMDB, further increasing consumers' choices. This option is subject to certain investment limitations. Contract holders can choose among all the AXA Asset Allocation Portfolios as well as the EQ/Franklin Templeton Founding Strategy portfolio, a new investment option, and the Guaranteed Interest Option.

The GMDB is another optional rider that provides an enhanced level of security for the contract holders' beneficiaries, who are always entitled to receive at least the dollars that were contributed to the Accumulator® product, adjusted for any withdrawals that might have been made. With the "greater of" GMDB, beneficiaries will receive the greater of three potential sums, which are:

• The final value of the underlying account (at the date AXA Equitable receives all required information), or
• The annual ratchet benefit base, meaning the highest account value on any contract anniversary, up to age 85 (adjusted for withdrawals), or
• The roll-up benefit base, meaning the contributions the contract holder has made to the Accumulator® account, compounded at 6% or 6.5% annually, up to age 85 (adjusted for withdrawals).

The GMIB and GMDB are subject to additional charges and to additional conditions and limitations. Because insurance products are regulated on a state-by-state basis, the same products and attendant benefits may not be available in all states. Anyone considering the purchase of an AXA Equitable Accumulator® variable annuity should consult with a financial professional and obtain a prospectus containing complete information.

About Variable Annuities

A deferred variable annuity is a long-term financial product designed for retirement purposes. In essence, an annuity is a contractual agreement in which payment(s) are made to an insurance company, which agrees to pay out an income or a lump sum amount at a later date. Variable annuity contracts are not insured by the FDIC or any other government agency. They are not deposits or obligations of any bank and are not bank guaranteed. Amounts in an annuity's variable investment portfolios are subject to fluctuation in value and market risk, including loss of principal.

Typically, variable annuities have mortality and expense charges, account fees, investment management fees, and administration fees. In addition, annuity policies have exclusions and

limitations, early withdrawals may be subject to surrender charges, and, if taken prior to age 59 1/2, a 10% federal income tax penalty may apply. All guarantees discussed herein are subject to the claims-paying ability of AXA Equitable Life Insurance Company. The guarantees do not apply to the investment portfolios. All benefits and features are not available in all states. Please also consider the charges, risks, expenses and investment objectives of the Accumulator® carefully before investing. For a prospectus containing this and other information, please contact your investment professional/licensed insurance agent. Read it carefully before you invest or send money.

Variable Annuity Knowledge Center

To help consumers understand the facts surrounding variable annuities, AXA Equitable is a sponsor of an online resource called the Variable Annuities Knowledge Center www.variableannuityfacts.org). The Variable Annuities Knowledge Center, which is operated by a stand-alone, non-profit organization, is overseen by an independent advisory board.

About AXA Equitable

AXA Equitable Life Insurance Company, New York, N.Y., provides life insurance and annuity products and services for the financial services market, co-distributed by AXA Advisors, LLC and AXA Distributors, LLC. AXA Equitable is one of the premier U.S. organizations providing financial protection and wealth management. Its parent company, AXA Financial, Inc., had $795 billion in assets under management as of December 31, 2006. AXA Financial is a member of the global AXA Group, which had $1.73 trillion in assets under management as of December 31, 2006. All guarantees are based on the claims-paying ability of AXA Equitable Life Insurance Company.

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