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AXA Life Insurance Review

The flexible approach to underwriting that AXA takes when evaluating your risk level is well-known. AXA looks at more than just the facts when making this determination. Depending on your unique insurance requirements, the firm offers both a standard policy package and a wide selection of extra riders. In order to apply for an insurance, you must go via a broker, though.

Pros and Cons of AXA Life Insurance

AXA Life Insurance Review - AXA Logo


  • Option of a yearlong contract that can be renewed
  • Coverage that can be changed quickly and simply
  • Long-term policies that can be adapted
  • Focuses on more than simply the numbers to arrive at a conclusion
  • Being able to pay for things


  • No online quotes
  • Complicated claims process

Equitable life insurance rates

Gender, age, and location all go into the price you’re charged, as does smoking history, the amount of coverage, and the length of your policy.

What affects my rate with Equitable?

This pricing category is available to Equitable customers who meet the following criteria:

  • Use of cigarettes or other drugs in the past. Smokers and drug addicts who haven’t used drugs in the previous five years get the best prices.
  • Your record as a driver. If you’ve been convicted of three or more moving violations in the last five years, you should be free of all DWIs and DUIs.
  • Your heart rate and blood pressure levels. Anyone under the age of 59 with blood pressure that does not exceed 140/85 is eligible.
  • Hobbies or a job. Piloting, for example, has a greater than average chance of being excluded from the most advantageous rates.

How to get a quote from Equitable life insurance

You’ll need to speak with an Equitable advisor about this. To find an Equitable branch near you, use the site’s search option.

What types of life insurance coverage does Equitable offer?

Term and permanent insurance are also available via Equitable.

  • Term life insurance. Equitable offers term life insurance policies with terms ranging from one year to twenty years. The premiums are fixed, and your beneficiaries will get a death benefit if you die during the term.
  • Indexed life insurance is a type of universal coverage. You may tailor the premiums and death benefits of the insurer’s two universal life policies to your personal requirements. The cash value has a better growth potential because it is tied to an index.
  • Life insurance with a variable premium. This long-term strategy allows you to pick and choose which stocks, bonds, and mutual funds you wish to include in your investing portfolio.

What riders can I add to my policy?

Such riders can be purchased for an additional cost on your policy.

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

  • Rider for increased death benefit. Medical bills, health care, and other necessities of life may be covered if you’ve been diagnosed with a terminal diagnosis and get a portion of your benefit.
  • Rider for disability income. People aged 18 to 59 who are severely handicapped or unwell may be eligible to cancel or pay off their life insurance policies.
  • Rider for long-term care. An expedited death benefit may be available if you have a chronic condition and are receiving long-term care services as part of a care plan.
  • Rider waiving premium fees. If you become fully disabled, your insurance premiums will be waived.

General riders

  • Child rider. Children may get insurance for as little as $1,000 and as much as $25,000, depending on their age.
  • Rider that ensures you’ll be insured no matter what happens. You can use this rider to increase your insurance face amount or purchase a new policy if you run into financial troubles.
  • The premium rider is coming back. Your beneficiaries will get an extra death benefit calculated as a proportion of the premiums you pay.
  • Rider for long-term care insurance. This rider allows you to increase the death benefit of your permanent policy for a short period.

Equitable life insurance reviews and complaints

Equitable has been accredited by the Better Business Bureau (BBB) and has an A+ rating for customer service. BBB has received 50 complaints in the last three years, but they include the whole financial services company, not just the life insurance sector. One star out of five is given by customers, and the same constraints apply to that star rating.

AXA was ranked 16th out of 22 life insurance providers in the most recent JD Power study. According to customer feedback, it has room for development, as seen by the 2/5 rating.

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

Discover How Much YOU Can Save on Life Insurance

Our customers save as much as 35% compared to traditional life insurance offers…

Compare Quotes →

Avatar photo About the author: David Krug is the CEO/President of PolicyPeak, a modern and tech-driven life insurance company. David noticed a gap in the market for personalized policies at an affordable price. He founded PolicyPeak in 2022 with the goal of simplifying the buying process for consumers and offering policies tailored to their unique needs.