DODIE KENT
Vice President
and Counsel
(212) 314-3970
(212) 707-1791
[AXA EQUITABLE -- MEMBER OF THE GLOBAL AXA GROUP LOGO] LAW DEPARTMENT
April 19, 2006
AXA Equitable Life Insurance Company
1290 Avenue of the Americas
New York, NY 10104
Dear Sirs:
This opinion is furnished in connection with the filing by AXA Equitable
Life Insurance Company ("AXA Equitable") of a Form S-3 Registration Statement of
AXA Equitable for the purpose of registering Market Value Adjustment Interests
under Flexible Premium Annuity contracts ("Interests") under the Securities Act
of 1933 (File No. 333-104713).
The Interests are purchased with contributions received under individual annuity
contracts and certificates AXA Equitable offers under a group annuity contract
(collectively, the "Certificates"). As described in the prospectus included in
the Registration Statement, the Certificates are designed to provide for
retirement income benefits.
I have examined such corporate records of AXA Equitable and provisions of the
New York Insurance Law as are relevant to authorization and issuance of the
Certificates and such other documents and laws as I consider appropriate. On the
basis of such examination, it is my opinion that:
1. AXA Equitable is a corporation duly organized and validly existing under the
laws of the State of New York.
2. The Certificates (including any Interests credited thereunder) are duly
authorized and when issued in accordance with applicable regulatory
approvals represents validly issued and binding obligations of AXA Equitable.
I hereby consent to the use of this opinion as an exhibit to the Registration
Statement.
Very truly yours,
/s/ Dodie Kent
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Dodie Kent
cc: Christopher E. Palmer, Esq.