CONSENT OF INDEPENDENT ACCOUNTANTS ---------------------------------- We hereby consent to the incorporation by reference in the Registration Statements on Form S-3 (No. 333-03224, No. 333-45415, No. 333-06785 and No. 333-42226) and Form S-8 (No. 33-49017, No. 33-98210 and 333-49017) of AXA Financial, Inc. of our report dated March 9, 2004, relating to the consolidated financial statements and financial statement schedules, which appear on pages F-1 and F-59, respectively, in this Form 10-K. /s/ PricewaterhouseCoopers LLP New York, New York March 30, 2004