Exhibit 32.2

                      AXA EQUITABLE LIFE INSURANCE COMPANY

    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, 2005 of AXA Equitable  Life Insurance  Company (the  "Company") as
filed with the  Securities  and  Exchange  Commission  on the date  hereof  (the
"Report"),  I, Stanley B. Tulin,  Vice Chairman of the Board 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/ Stanley B. Tulin
                                        --------------------
                                        Stanley B. Tulin
                                        Vice Chairman of the Board and
                                        Chief Financial Officer
         Date: November 14, 2005