Exhibit 32.2

    CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350, AS ADOPTED PURSUANT TO
                 SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

In connection with the Quarterly Report on Form 10-Q for the quarter ended
September 30, 2008 of AXA Equitable Life Insurance Company (the "Company") as
filed with the Securities and Exchange Commission on the date hereof (the
"Report"), I, Richard S. Dziadzio, Executive Vice President and Chief Financial
Officer of the Company, certify, pursuant to 18 U.S.C. Section 1350, as adopted
pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that:


        (1) the Report fully complies with the  requirements of Section 13(a) or
            15(d) of the Securities Exchange Act of 1934, as amended; and

        (2) the  information  contained in the Report  fairly  presents,  in all
            material respects, the financial condition and results of operations
            of the Company.


                                        /s/ Richard S. Dziadzio
                                        -----------------------
                                        Richard S. Dziadzio
                                        Executive Vice President and
                                        Chief Financial Officer
         Date: November 10, 2008