AXA

AXA Term Life Insurance Review

AXA excels at insuring aviation professionals. They’re a solid company with a smooth application process.

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AXA Company Overview

Location

Paris, France

Headquarters in USA

New York, NY

Established

1859

Customers

2,500,000

Ranking Worldwide

#1 insurance brand worldwide since 2008

Employees

165,000 worldwide

Location

Paris, France

U.S. Headquarters

New York City, NY

Established

1859

Customers

2,500,000

Ranking Worldwide

#1 insurance brand worldwide since 2008

Employees

165,000 worldwide

AXA Ratings & Awards

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A.M. BestBetter Business BureauJ.D. PowerMoody’sStandard & Poor’s
AA+771A2A+

A.M. Best is an independent rating agency that ranks the financial strength of life insurance companies. Their best rating is an A++. Their worst is a D.

Better Business Bureau (BBB) is a non-profit that shares customer service feedback on businesses in the USA. BBB assigns ratings from A+ (highest) to F (lowest).

J.D. Power and Associates analyzes customers’ experiences with life insurance companies and ranks them on a scale from 1 to 1000.

Moody’s Investors Service is a leading provider of credit ratings, research, and risk analysis. Moody’s rating scale ranges from Aaa to C with 1, 2, and 3 to indicate whether the ranking is on the higher or lower end of that category.

Standard and Poor’s (S&P) is the world’s leading provider of credit ratings and creditworthiness. S&P’s scale ranges from AAA to D with + or – to define standing within each category.

AXA was ranked the #1 best global insurance brand by Interbrand for the ninth consecutive year in 2017.

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To stand out in a competitive industry, most insurers focus on serving health or lifestyle niches.

AXA is excellent for:

  • Aviation & Pilots
  • Combined Health Issues (e.g., Diabetes with Heart Issues)
  • Foreign Travel
  • Healthy Individuals

AXA excels at insuring aviation professionals. They’re a solid company with a smooth application process.

AXA Comparison Quotes

AXA BrightLife® Term

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CompanyMaleFemale
Age 30Age 40Age 50Age 60Age 70Age 30Age 40Age 50Age 60Age 70

AIG

$20.24$30.62$77.76$213.57$809.55$17.21$27.16$63.06$163.40$578.17

AXA

$26.53$37.65$79.54$230.88N/A$22.26$35.08$70.99$162.05N/A

Banner Life

$20.12$32.68$74.39$205.97$804.87$17.11$25.37$56.67$144.96$730.14

Haven Life

$20.17$30.58$76.00$207.66N/A$17.25$25.58$58.08$145.58N/A

John Hancock

$26.21$32.01$80.21$221.86N/A$23.61$27.26$66.91$178.76N/A

Lincoln Financial

$28.44$38.94$78.71$213.02$819.70$23.45$30.63$58.58$147.83$584.81

Minnesota Life

$22.42$31.18$87.12$235.40N/A$18.48$26.84$62.04$153.12N/A

Pacific Life

$20.19$30.26$75.22$207.36N/A$17.51$25.69$56.10$144.97N/A

Principal

$21.44$30.89$77.35$213.06N/A$18.59$25.81$57.66$147.88N/A

Protective

$20.21$28.38$75.68$205.97N/A$17.63$24.94$55.47$139.32N/A

Prudential

$33.25$41.56$83.56$250.25N/A$27.13$37.63$72.63$171.06N/A

SBLI

$21.32$34.97$87.00$286.85N/A$18.18$27.33$63.08$173.03N/A

United of Omaha

$21.22$33.47$83.78$240.41N/A$18.16$27.78$63.66$166.03N/A

US Life

$20.24$30.62$77.76$213.57$809.55$17.21$27.16$63.06$163.40$578.17

William Penn

$20.12$32.68$74.39$205.97N/A$17.11$25.49$56.67$144.96N/A

Sample monthly premium quotes for a $500,000, 20-year term policy for healthy, non-smoking individuals. Pricing varies by gender (except in Montana). Women pay less for life insurance than men because they live longer on average.

Your life insurance pricing may be different and is determined by your individual risk factors and the state where you have your primary residence. Pricing as of March 2018.

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AXA Features & Benefits

What we like

  • Can be converted into permanent policy.
  • Includes Accelerated Death Benefit Rider at no charge.
  • Your medical exam can be done at home or work.
  • You can review your medical exam results online.
  • You can manage your policy online.

What could be better

  • Does not offer an Accidental Death Benefit Rider.
  • Every applicant must get a medical exam.
  • Credit card payments are not accepted.
  • Policy not delivered electronically.

AXA Policy Details

AXA BrightLife® Term

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BrightLife® Term
Guaranteed level premiums?Yes
Term lengths available:10, 15, 20*
Premiums returned at end of term?No
Riders available:Accelerated Death Benefit, Premium Waiver for Disability, Child Rider
Accumulates cash value?No
Policy loans available?No
Minimum issue age:18
Maximum issue age:75
Minimum face amount:$500,000
Missed payment grace period:31 days**

*10-year term available for ages 18-75; 15-year term available for ages 18-70; 20-year term available for ages 18-65.

**State of issue, payment mode, and draft date can all impact the grace period end date. Your policy will state specifics.

» Compare: Term life insurance quotes

AXA Policy Riders

Increase your policy’s benefits with riders

Accelerated Death Benefit Rider

*Included 

This rider—also known as a Living Benefits Rider—is included in your policy at no charge. It gives you access to a portion of your policy’s death benefit, if you are diagnosed with a terminal illness resulting in 12 months or less to live.

Premium Waiver for Disability

*Available at additional cost

AXA will waive premium payments during a period of total disability lasting six consecutive months or more. The waived payments don’t have to be paid back. This rider is not available on all policies and the cost varies by age.

Child Rider

*Available at additional cost

For as little as $52.50 per year, add a child rider that covers your children under the age 18. Options range from $10,000 to $25,000 in coverage per child. Ask your Quotacy agent for details.

Learn more

Wondering what types of riders are beneficial?

AXA Policy Service

Contact

  • Customer Service: (800) 777-6510
  • Fax: (855) 268-6378

Hours: Monday-Friday, 7:00 AM-6:00 PM Central

Payment Mailing Address

AXA
PO Box 1047
Charlotte, NC 28201-1047

Manage your policy online

  1. Visit www.us.axa.com.
  2. Click on the small Register link in the top right-hand corner.
  3. Click on I am an individual.
  4. Choose the top AXA Life or Investments option.
  5. Enter your policy number and personal info.
  6. Click the blue Next button and follow prompts to set up your online access.

What you can do online

  • Make payments.
  • Enroll in electronic policy statements.
  • Update banking info.
  • Update contact info.
  • Change beneficiaries.

The Fine Print

Guidelines & Exclusions

Term Conversion
  • May convert to permanent product before the final term’s policy anniversary or before age 70.
Accelerated Death Benefit Rider
  • Also known as Living Benefits Rider.
  • Accelerate up to 75% of your policy’s benefit—not to exceed $500,000.
  • $250 processing fee when benefit is accelerated.
Child Rider
  • Newborn child covered when 15 days old.
  • Maximum coverage is $25,000 ($50,000 in New York).
  • Rider not available if insured is given higher rating than Table D or a flat extra that equals or exceeds $15 per thousand.
  • Parent (or child) can convert rider after child’s 25th birthday or before parent turns 65—whichever is earlier.
Premium Waiver for Disability Rider
  • Not available on policies if insured is rated higher than Table D or a flat extra that equals or exceeds $10 per thousand.
  • If total disability begins on or after age 60, premiums are waived until the policy anniversary closest to age 65 or termination of disability—whichever is earlier.

Updated: March 2018

More term life insurance reviews

We recommend without hesitation every company reviewed on Quotacy. When you comparison shop, the death benefit amount that your loved ones would receive and the cost of the policy are the most important factors to consider. If you have any questions about the best life insurance companies for you, contact Quotacy. We'll gladly help you evaluate your life insurance options.

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