FILED PURSUANT TO RULE 424(B)(3)
REGISTRATION NO. 333-210273
AXA Equitable Life Insurance Company
Supplement dated June 13, 2016 to the May 1, 2016 prospectus for Structured
Capital Strategies(R) 16
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This Supplement modifies certain information in the above-referenced Prospectus
(the "Prospectus") offered by AXA Equitable Life Insurance Company ("AXA
Equitable"). You should read this Supplement in conjunction with your
Prospectus and retain it for future reference. Unless otherwise indicated, all
other information included in your Prospectus remains unchanged. The terms we
use in this Supplement have the same meaning as in your Prospectus. We will
send you another copy of any prospectus or supplement without charge upon
request. Please contact the customer service center referenced in your
Prospectus.
Structured Capital Strategies(R) 16 will be available for sale in Puerto Rico
on or about June 13, 2016, and in Connecticut on or about June 20, 2016.
Accordingly, "Appendix II: State contract availability and/or variations of
certain features and benefits" in the Prospectus is hereby supplemented with
the following:
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State Features and benefits Availability or variation
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Connecticut See "Charges for each additional The charge for transfers does
transfer in excess of 12 not apply.
transfers per contract year" in
"Fee table" and "Transfer
charge" in "Charges and expenses"
See "Special services charges" The maximum charge for check
in "Fee table" and under preparation is $9 per occurrence.
"Charges and expenses"
The charge for third-party
transfers or exchanges does not
apply.
See "Charges and expenses -- Waiver (i) is not available.
Disability, terminal illness, or
confinement to a nursing home"
(For Series B contracts only)
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Puerto Rico Inherited IRA Not available.
Beneficiary continuation option Not available.
QP (Defined Benefit and Defined Not available.
Contribution) contracts
IRA and Roth IRA Available for direct rollovers
from U.S. source 401(a) plans
and direct transfers from the
same type of U.S. source IRAs.
See footnote 1 in "Fee table" There is no premium tax charge
and "Charges for state premium imposed.
and other applicable taxes" in
"Charges and Expenses"
See "Purchase considerations for We do not offer Structured
a charitable remainder Capital Strategies(R) contracts
trusts" under "Owner and to charitable remainder trusts
annuitant requirements" in in Puerto Rico.
"Contract features and benefits"
See "Taxation of nonqualified There are special rules for
annuities" in "Tax nonqualified contracts issued in
information" Puerto Rico.
Income from NQ contracts we
issue is U.S. source. A Puerto
Rico resident is subject to U.S.
taxation on such U.S. source
income. Only Puerto Rico source
income of Puerto Rico residents
is excludable from U.S.
taxation. Income from NQ
contracts is also subject to
Puerto Rico tax. The calculation
of the taxable portion of
amounts distributed from a
contract may differ in the two
jurisdictions. Therefore, you
might have to file both U.S. and
Puerto Rico tax returns, showing
different amounts of income from
the contract for each tax
return. Puerto Rico generally
provides a credit against Puerto
Rico tax for U.S. tax paid.
Depending on your personal
situation and the timing of the
different tax liabilities, you
may not be able to take full
advantage of this credit.
We require owners or
beneficiaries of annuity
contracts in Puerto Rico which
are not individuals to be
required to complete the
appropriate Form W-8 describing
the entity type to avoid 30%
FATCA withholding from
U.S.-source income.
Structured Capital Strategies(R) is issued by and is a registered service mark
of
AXA Equitable Life Insurance Company (AXA Equitable).
Co-distributed by affiliates AXA Advisors, LLC and AXA Distributors, LLC.
1290 Avenue of the Americas, New York, NY 10104.
Copyright 2016 AXA Equitable Life Insurance Company. All rights reserved.
AXA Equitable Life Insurance Company
1290 Avenue of the Americas, New York, NY 10104
(212) 554-1234
Form No. IM-09-16 (6/16) Catalog No. 155798 (6/16)
SAR SCS 16 New Biz/Inforce - CT and PR only #203600