BrightLife® products vs.
Lincoln MoneyGuard® II
Standard Underwriting
BrightLife®products can offer...
n Greater Death Benefit Protection
n Greater Long-Term Care Benefit
n Greater Cash Surrender Value
Client Profile
n Has a death benefit need and wants to leave a legacy for his family
Case Study: Jim, a 50-year-old male, Standard, non-smoker client.
Jim’s objective is to provide a financial safety benefit to his family. He has a ready
source of cash in the form of a $100,000 CD earning less than a 1% return. Life
insurance and long-term care coverage are both important considerations. He
also wants to preserve his cash and have some growth potential.
What’s the best use of his cash to accomplish his objectives?
n Is concerned about potential long-term care needs
n Has cash in low yielding assets such as CDs
Jim speaks with his Financial Professional. He considers Lincoln MoneyGuard®II. But they conclude AXA’s
BrightLife®* Protect and Grow offer the best options. Assume Jim uses his entire $100,000 as a single
premium towards the following and compare the results.
Lincoln MoneyGuard® II1
Year 1
Monthly LTC Benefit
Total LTC Pool
Cash Value
Death Benefit
$5,418
$345,165
$80,000
$229,600
Year 10
$7,069
$450,361
$80,000
$195,040
Year 20
$9,500
$605,248
$80,000
$195,040
Year 30
$12,767
$813,403
$80,000
$195,040
BrightLife® Protect
2
Year 1
$9,406
$470,285
$84,166
$470,285
Year 10
$10,096
$504,799
$124,819
$504,799
Year 20
$11,396
$569,811
$194,811
$569,811
Year 30
$12,867
$643,367
$268,367
$643,367
BrightLife® Grow
2
Year 1
$9,419
$470,974
$84,855
$470,974
Year 10
$10,372
$518,605
$138,625
$518,605
Year 20
$12,818
$640,893
$265,893
$640,893
Year 30
$16,238
$811,919
$436,919
$811,919
1 The competitor Lincoln MoneyGuard II illustration was run on a 50-year-old male, couples discount. The values represented here are for a $195,040 of initial face amount. The values
reflect the cost of 1 year of premiums. Assumes a 3% inflation rider on Long-Term Care benefit. All values and benefits shown are guaranteed. This chart compares the BrightLife Grow and
BrightLife Protect Indexed Universal Life contracts against the Lincoln MoneyGuard II contract. Please note the Lincoln contract will guarantee the coverage until age 119 provided by the
initial premium in this example. The premiums used in BrightLife Grow and BrightLife Protect examples will not guarantee coverage for the life of the policy. At guaranteed rates, the BrightLife
Grow policy will fail in year 11, and the BrightLife Protect in year 15. This should be considered when a client compares the different products.
2 This is a supplemental illustration and must be read in conjunction with the basic illustration. The basic illustration contains values using the same underwriting assumptions as this
supplemental at both guaranteed charges and guaranteed interest rates and contains other important information. The values represented here are for a $375,000 BrightLife Protect and
BrightLife Grow policy on a 50-year-old male standard non-smoker. Includes 2% Long-Term Care Services Rider. The values reflect the cost of 1 year of premiums. The values represented here
are non-guaranteed and assume current charges and a current interest rate of 6.91% for BL Grow and 5.75% for BL Protect. If 0% guaranteed rate and charges are used, BrightLife Grow
would fail in year 11 and BrightLife Protect would fail in year 15. The face amounts are the minimum amounts allowed within corridor limits.
For Financial Professional Use Only. Not for Use with, or Distribution to, the General Public.
Why AXA?
n You want the confidence that the insurance company you choose has the financial strength to fulfill its obligations to you now and in the future. AXA Equitable Life Insurance Company (AXA Equitable, New York, NY) and MONY Life Insurance Company of America (MLOA), premiere providers of life insurance products, have been helping individuals reach their most important goals.
n Strong life insurance portfolio with competitive cash-value product options
n A wide selection of other riders to choose from, including the Charitable Legacy Rider®, which offers an additional death benefit to the charity(ies) of your choice at no added cost
n A Long-Term Care Servicessm Rider for an additional charge that includes
w The ability to select 1, 2 or 3% of policy face amounts by way of monthly benefit (limitations on the percentage based on clients age at policy issue)
w True Option B for potential inflation protection
w A benefit that is capped at 200% HIPAA in all states, except New York
It is assumed that all comparisons are complete, fair and balanced. It assumed that the financial professional using this
piece will be familiar with all of the terminology. The information is as of February 6, 2015 and is believed to be reliable as
of the date. Policy to policy features comparisons should be conducted by the financial professional at the time of solicitation.
Various aspects of the products compared, including, but not limited to features, benefits, expenses, loads and charges will
vary from company to company. Refer to the respective issuing company product materials and a specimen actual policy
for more detailed information.
For more information, contact your AXA Representative or the
AXA Advanced Markets Team to learn more about this strategy 1-800-316-9981.
*Policies are illustrated as Modified Endowment Contracts
All riders have restrictions and limitations and some have additional charges. Be sure to review product specifications and prospectus.
AXA Equitable, its distributors and their respective representatives do not provide tax, accounting or legal advice. Any tax statements contained herein were not intended or written to
be used, and cannot be used, for the purpose of avoiding U.S. federal, state or local tax penalties. Please consult your own independent advisor as to any tax, accounting or legal
statements made herein.
BrightLife Grow and BrightLife Protect are issued in New York by AXA Equitable Life Insurance Company (New York, NY) and in all other jurisdictions by MONY Life Insurance Company of
America, an Arizona Stock Corporation with its main administrative office in Jersey City, NY, and co-distributed by affiliates AXA Network, LLC and its subsidiaries and AXA Distributors,
LLC.
“AXA” is a brand name of AXA Equitable Financial Services, LLC and its family of companies, including AXA Equitable Life Insurance Company (NY, NY), MONY Life Insurance Company of
America (AZ stock company, administrative office: NY, NY), AXA Advisors, LLC, and AXA Distributors, LLC. AXA S.A. is a French holding company for a group of international insurance and
financial services companies, including AXA Equitable Financial Services, LLC. This brand name change does not change the legal name of any of the AXA Equitable Financial Services,
LLC companies. The obligations of AXA Equitable Life Insurance Company and MONY Life Insurance Company of America are backed solely by their claims-paying ability. Life products
are issued by AXA Equitable Life Insurance Company (New York, NY) or MONY Life Insurance Company of America an Arizona Stock Corporation with its main administration office in New
York, NY 10104 and are distributed by affiliates AXA Network, LLC and its subsidiaries and AXA Distributors, LLC, New York, NY 10104.
© 2015 AXA Equitable Life Insurance Company. All rights reserved.
1290 Avenue of the Americas, New York, NY 10104, (212) 554-1234
For Financial Professional Use Only. Not for Use with, or Distribution to, the General Public.
IU-101089 (2/15) (Exp. 2/17)