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Protect and Grow Income

Retirement income is guaranteed for life based on the Treasury-tied roll-up rate on the Guaranteed Minimum Income Benefit (GMIB).

WHY DOES THIS MATTER?

WE'RE LIVING LONGER AND NEED TO PLAN FOR LONGER RETIREMENTS.

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GMIB Roll-Up Rates

Years 1-7

-% (deferring income)1

-% (if taking withdrawals)1

Years 8+

10-Year Treasury + 2.00%

5-8%2

1. Retirement Cornerstone® Series B “Lock-in Rate” of -% (Deferral) or -% (Annual) is effective as of -/-/-. See axa.com for updated rate information. For the Lock period, the Roll-Up Rate is fixed for the first 7 contract years. New business rates are declared periodically and may change as frequently as monthly.

2. After the first seven years, the rate becomes a flexible rate tied to the recent average 10-Year Treasury rates plus 2.00% and is recalculated each contract year. Both the Deferral and Annual Roll-Up Rates can be as high as 8% and will never be less than 5%. GMIB Roll-Up Rates are applied to the Benefit Base during the GMIB Roll-Up Period. The Annual Withdrawal Amount is determined by the Annual Roll-Up Rate formula and is available until the contract anniversary following the owner's 95th birthday. Excess withdrawals will adversely affect the benefit base

The Illustration above depicts the GMIB in the Retirement Cornerstone® Series B contract.