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finder.com's rating: 3.5 / 5
★★★★★
18 to 65
Issue Age
$100,000 to $1 million+
Coverage
Required
Medical Exam Required
Policies | Term, Universal, Variable |
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Coverage maximum | $1 million+ |
Term lengths | 1, 10, 15 or 20 years |
Medical exam required | Required |
Available states | Nationwide |
Issue age | No info available |
Riders |
Accelerated death benefit rider Child rider Disability income benefit rider Guaranteed insurability rider Long-term-care rider Return-of-premium rider Term insurance rider Waiver-of-premium rider |
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Review by
Julia Cameron is a writer and editor who has experience in finance, mergers and acquisitions, content marketing and immigration law. She has a passion for interior design and an affinity for Old Florida, where she lives with her family.
Along with competitive rates, AXA is known for its relaxed approach to underwriting, which looks beyond the data to consider your committment to your health. The insurer offers a standard suite of policies, along with a long list of riders you can use to customize your coverage. But you’ll need to go through a broker to apply for a policy.
If you’d prefer to manage your policy online from start to finish, compare life insurance companies.
AXA sells a mix of term and permanent policies:
You may be able to add these types of riders to your policy for a fee.
The rate you’re offered comes down to a range of factors, including your age and gender, height and weight, state of residence, smoking history, coverage amount and term.
To qualify for AXA’s Preferred Elite rate class, you’ll need to meet this criteria:
AXA Equitable is accredited with the Better Business Bureau (BBB), and it has an A+ rating for its customer interaction. The BBB has recorded 50 complaints over the last three years — though these reflect the financial services company as a whole, and not just its life insurance department. Customers award the company 1 out of 5 stars, and those same limitations apply.
In JD Power’s latest life insurance study, AXA ranked 16 of 22 insurers surveyed. It earned 2 out of 5 circles, so there’s room for improvement in terms of customer satisfaction.
You’ll need to speak with an AXA adviser. To find one near you, use the search tool on AXA’s website.
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
Our experts analyze life insurance companies to help you to find the strongest possible policy and premium for your family’s needs. We assess their financial strength, customer satisfaction, policy features and riders. We then give each insurer a score between one and five stars that reflects their offering and reputation in the industry.