X0101 EFFECT 33 LIVE 2010-12-23 0000089024-10-000612 485APOS 0001015570 SEPARATE ACCT NO 49 OF AXA EQUITABLE LIFE INSURANCE CO 333-160951 S000009103 SEPARATE ACCT NO 49 OF AXA EQUITABLE LIFE INSURANCE CO C000097012 Retirement Cornerstone - Series ADV S000009103 SEPARATE ACCT NO 49 OF AXA EQUITABLE LIFE INSURANCE CO C000097013 Retirement Cornerstone 11.0