Extended No Lapse
Guarantee Rider

In this rider "we", "our" and "us" mean AXA Equitable Life Insurance Company.
"You" and "your" mean the owner of the policy at the time an owner's right is
exercised.

EFFECTIVE DATE OF THIS RIDER. This rider is effective on the Register Date of
this policy.

THIS RIDER'S BENEFIT. This rider will prevent this policy from lapsing at the
beginning of a policy month provided that all of the following conditions are
met:
a) this rider has not terminated; and
b) the sum of premium payments accumulated at 4% per annum, less any partial
withdrawals accumulated at 4% per annum, is at least equal to the sum of the
monthly Extended No Lapse Guarantee Premiums and guarantee premiums for any
additional benefit riders shown in the "Table Of Guarantee Premiums" on Page 3 -
Continued, accumulated at 4% per annum, from the Register Date of the policy up
to that month; and
c) the death benefit option has always been Option A since the policy was
issued; and
d) any outstanding policy loan and accrued loan interest does not exceed the
Policy Account Value.

If the Net Policy Account Value at the beginning of the policy month is not
sufficient to cover the total monthly deductions for that month and this policy
would otherwise go into default, but the above conditions are met, this policy
will not be in default and we will take monthly deductions up to the amount in
the Policy Account; see the "Grace Period" provision of this policy.

The Extended No Lapse Guarantee Premiums for basic life insurance benefits and
the guarantee premiums for any additional benefit riders are shown in the "Table
Of Guarantee Premiums" on Page 3 - Continued of this policy. Certain policy
changes after issue will change the Extended No Lapse Guarantee Premiums but
they will not change the guarantee period.

THE EXTENDED NO LAPSE GUARANTEE WILL TERMINATE ON THE EFFECTIVE DATE OF A CHANGE
TO DEATH BENEFIT OPTION B DURING THE EXTENDED NO LAPSE GUARANTEE PERIOD.

FUND ALLOCATIONS. While this rider is part of this policy, the following fund
allocation restrictions will apply:

a) only our Guaranteed Interest Account (GIA) and certain funds of our Separate
Account (SA) are available as investment options, as noted in the application,
the prospectus, and any prospectus supplement for this policy.
b) the premium allocation percentage for the unloaned portion of our GIA may not
exceed 25%.
c) net premiums allocated to our GIA will be limited to an amount (which may be
zero) that will not result in your value in the unloaned portion of our GIA
exceeding 25% of the total unloaned Policy Account Value. Any portion of the net
premium not allocated to our GIA will be allocated to our SA in proportion to
any payment amounts for our SA that you have specified with that premium, or
otherwise in proportion to the premium allocation percentages for our SA then in
effect.
d) a transfer from your investment funds of our SA into the unloaned portion of
our GIA is permitted if it would not result in your value in the unloaned
portion of our GIA exceeding 25% of the total unloaned Policy Account Value. If
the value in the unloaned portion of our GIA already exceeds 25% of the total
unloaned Policy Account Value at the time of transfer request, no transfer will
be permitted.
e) a partial withdrawal taken from the investment funds of our SA will be
limited to an amount (which may be zero) that will not result in your value in
the unloaned portion of our GIA exceeding 25% of the total unloaned Policy
Account Value. Any portion of the withdrawal not taken from our SA will be taken
from the unloaned portion of our GIA.

     (i)  If you tell us how much of the withdrawal is to come from your values
          in each of the investment funds of our SA, the total amount taken from
          our SA will be divided among those funds in proportion to the amounts
          to be withdrawn from our SA as you have specified.

     (ii) If you do not tell us or if we cannot make the withdrawal in this
          manner, the amount taken from our SA will be divided among all SA
          funds in proportion to your values in those funds.

f) loan repayments will be allocated in accordance with the "Loan Repayment"
provision of this policy, except that any repayments allocated to the unloaned
portion of our GIA will be limited to an amount (which may be zero) that will
not result in your value in the unloaned portion of our GIA exceeding 25% of the
total unloaned Policy Account Value. Any portion of the repayment not allocated
to our GIA will be allocated to our SA in proportion to any loan repayment
amounts for our SA that you have specified with that loan repayment, or
otherwise in proportion to the premium allocation percentages for our SA then in
effect.
g) monthly deductions, and also any loan interest not paid when due on a
policy anniversary, will be taken from your values in the unloaned portion of
the GIA and from your values in the investment funds of our SA based on the
proportion that these values bear to the total unloaned Policy Account Value.

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If any of these restrictions are changed in the future, we will notify you by
prospectus supplement or other form of written communication. If this rider
terminates, and this policy remains in force, the fund allocation restrictions
imposed by this rider will no longer apply.

GRACE PERIOD AND RESTORING YOUR POLICY BENEFITS. While this rider is in effect,
references in these policy provisions to "No Lapse Guarantee" shall be deemed to
include "Extended No Lapse Guarantee" regarding periods of time, applicable
premium amounts, and termination.

THE CHARGE FOR THIS RIDER. The monthly charge for this rider is shown in the
"Table of Maximum Monthly Charges For Benefits" on Page 4 of this policy. This
charge is part of the monthly deductions from the Policy Account during the
Extended No Lapse Guarantee period shown on Page 3 of this policy. Certain
policy changes after issue will change this charge, but they will not change the
guarantee period.

WHEN THIS RIDER WILL TERMINATE. This rider will terminate on the earliest of the
following dates:

a) on the date the policy ends without value at the end of a Grace Period, is
given up for its Net Cash Surrender Value, or otherwise terminates;
b) on expiration of the Extended No Lapse Guarantee period shown on Page 3 of
the policy;
c) on the effective date that the death benefit option is ever changed to Option
B during the Extended No Lapse Guarantee period;
d) on the effective date of the election of any Paid Up Death Benefit Guarantee;
e) on the date that a new insured person is substituted for the original insured
person under the terms of any Substitution of Insured rider;
f) on the date any Loan Extension endorsement becomes effective.

You may also terminate this rider at any time after policy issue by asking for
this in writing. The effective date of termination will be the beginning of the
policy month that coincides with or next follows the date we receive your
request.

Once this rider terminates for any reason, it may not be restored.

INCONTESTABILITY AND SUICIDE EXCLUSIONS. The Incontestability and Suicide
Exclusion provisions of this policy also apply to this rider.

GENERAL. This rider is part of the policy. Its benefit is subject to all the
terms of this rider and the policy. All provisions of the policy will continue
to apply except as specifically modified by this rider.



                      AXA EQUITABLE LIFE INSURANCE COMPANY

/s/ Christopher M. Condron
---------------------------------------
Christopher M. Condron
Chairman and Chief Executive Officer


/s/ Karen Field Hazin
---------------------------------------
Karen Field Hazin, Vice President,
Secretary and Associate General Counsel



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