Exhibit 10.15


                                  [ AXA LOGO ]


                                                                  March 14, 2005

Mr. John A. Graf

RE:   ADDITIONAL BENEFIT

Dear John:

      This letter sets forth our agreement concerning the terms of your
enhanced air travel benefit.

      During your Employment Term, as defined in your Employment Agreement
dated March 14, 2005 with AXA Financial, Inc. and AXA Equitable Life Insurance
Company, you will be entitled to use at the company's expense a private aircraft
for personal travel up to a limit of 50 hours in each calendar year (prorated at
the rate of 4.16 hours per whole or partial month in the year of termination of
your employment) with such aircraft to be provided by the company by any
commercially reasonable method, as determined by the Chief Executive Officer of
AXA Financial, Inc., as long as such methods are available to the company. The
company will provide you with a full tax gross-up with respect to any imputed
income from this benefit.

         Please confirm that this letter accurately describes our mutual
agreement with respect to these enhanced benefits by signing as provided below
and returning the original to me.

                                                   Very truly yours,

                                                   /s/ Christopher M. Condron

                                                   Christopher M. Condron
                                                   President and
                                                   Chief Executive Officer
                                                   AXA Financial, Inc.


Acknowledged, Accepted and Agreed
to this 31st day of March, 2005

By:    /s/ John A. Graf
       ----------------
       John A. Graf