Exhibit 31.2



I, Stanley B. Tulin,  Vice Chairman of the Board and Chief Financial  Officer of
AXA Financial, Inc., certify that:

1)       I have reviewed this quarterly report on Form 10-Q of AXA Financial,
         Inc. (the "Registrant");

2)       Based on my knowledge, this quarterly report does not contain any
         untrue statement of a material fact or omit to state a material fact
         necessary to make the statements made, in light of the circumstances
         under which such statements were made, not misleading with respect to
         the period covered by this quarterly report;

3)       Based on my knowledge, the financial statements, and other financial
         information included in this quarterly report, fairly present in all
         material respects the financial condition, results of operations and
         cash flows of the Registrant as of, and for, the periods presented in
         this quarterly report;

4)       The Registrant's other certifying officer and I are responsible for
         establishing and maintaining disclosure controls and procedures (as
         defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) for the
         Registrant and we have:

        a) Designed such disclosure  controls and procedures,  or caused such
           disclosure controls and  procedures to be designed under our
           supervision,  to ensure that material  information  relating to the
           Registrant,  including its  consolidated subsidiaries, is made known
           to us by others within those entities,  particularly during the
           period in which this quarterly report is being prepared;

        b) Evaluated  the  effectiveness  of the  Registrant's  disclosure
           controls and procedures and presented in this  quarterly  report our
           conclusions about the effectiveness  of the  disclosure  controls and
           procedures as of the end of the period covered by this quarterly
           report based on such evaluation; and

        c) Disclosed in this quarterly  report any change in the  Registrant's
           internal control over financial  reporting  that occurred  during the
           Registrant's most recent fiscal quarter that has materially
           affected, or is reasonably likely to materially affect, the
           Registrant's internal control over financial  reporting; and

5)       The Registrant's other certifying officer and I have disclosed, based
         on our most recent evaluation of internal control over financial
         reporting, to the Registrant's auditors and the audit committee of
         Registrant's board of directors (or persons performing the equivalent
         function):

        a) All  significant deficiencies and material weaknesses in the design
           or operation of internal  control over  financial  reporting  which
           are reasonably likely to adversely affect the Registrant's ability
           to record, process, summarize and report financial information; and

        b) Any  fraud, whether or not material, that involves management or
           other employees who have a significant role in the Registrant's
           internal control over financial reporting.



Date:  November 12, 2004



                                                /s/ Stanley B. Tulin
                                                --------------------
                                                Stanley B. Tulin
                                                Vice Chairman of the Board and
                                                Chief Financial Officer