AXA Advisors LLC

Variable annuities provide the opportunity for market appreciation — through a variety of investment options — with tax-deferral and future income. Variable annuities are designed for people willing to take on more risk in exchange for greater growth potential. While there is risk associated with a variable annuity, many offer guarantees of principal and downside protection at an additional cost and depending on contract rider availability. However, these guarantees do not apply to the investment performance or amounts held in the variable investment options.

Many financial plans include at least some weighting in stocks and/or mutual funds. While historically equities have tended to rise in value over the long term, they carry a certain amount of risk, both for long- and short-term investors. It is therefore imperative that you have realistic financial goals and investment objectives in place before you begin to invest. Whether you are a seasoned or novice investor, the information in these links can help you learn about different types of financial products and services and which may be appropriate for you given your unique circumstances.

Term life insurance provides low-cost death benefit protection for temporary needs. It pays a level death benefit and does not build up cash value. Term insurance typically offers the most protection for your premium dollar, making it generally the most affordable type of insurance available value.

Universal Life Insurance provides death benefit protection, as well as a savings or cash value component. It builds cash value because the insurance company credits your policy each month with a fixed interest rate. You have some flexibility to pay your premiums in different amounts or at different times.