CONSENT OF INDEPENDENT ACCOUNTANTS


We  hereby  consent  to the  incorporation  by  reference  in  the  Registration
Statements  on Form  S-3 (No.  333-03224  and No.  333-45415)  and Form S-8 (No.
33-49017 and No. 33-98210) of AXA Financial,  Inc. of our reports dated February
6, 2002, except as to Note 17, for which the date is February 28, 2002, relating
to the  consolidated  financial  statements and financial  statement  schedules,
which appear on pages F-1 and F-49, respectively, in this Form 10-K.



/s/PricewaterhouseCoopers LLP

New York, New York
March 28, 2002