ENDORSEMENT APPLICABLE TO THE RIGHT TO ADD AN OPTIONAL
                GUARANTEED MINIMUM INCOME BENEFIT ("GMIB") RIDER


   The term "Contract" as used in this Endorsement applies either to a Contract
 or Certificate.

 This Endorsement is part of your Contract, and the same definitions apply to
 the capitalized terms used herein. The benefit described in this Endorsement is
 subject to all the terms contained in your Contract, except as modified below.
 In this Endorsement, "we", "our" and "us" mean AXA Equitable Life Insurance
 Company and "you" and "your" mean the Owner.

 ELIGIBILITY REQUIREMENTS

 You are eligible to add the Guaranteed Minimum Income Benefit ("GMIB") Rider to
 your Contract after your Contract Date subject to the following conditions:

         (i)      the only GMIB Rider you may add is the same rider that would
                  have been issued on the Contract Date if you had elected it on
                  your application for this Contract. A rider is the same rider
                  on the "Addition Date", defined below, only if it has the
                  identical terms and conditions, including the same maximum
                  charge and [rollup rate].

         (ii)     you elected one of the following Guaranteed Minimum Death
                  Benefit options on your application for this Contract: 1) the
                  Standard Guaranteed Minimum Death Benefit ("GMDB"), or 2) the
                  Annual Ratchet to Age [85] GMDB. You may also have elected our
                  Earnings Enhancement Benefit Rider. [If the [Principal
                  Guarantee Benefit] Rider was issued under your Contract, then
                  this Rider does not apply and you may not add the GMIB Rider];

         (iii)    the GMIB Rider that was on your Contract Date will continue to
                  be available for addition to this Contract for at least [90
                  days] from the Contract Date. That GMIB Rider will not be
                  available for addition to this Contract after the later of the
                  following: (i) [90 days] from the Contract Date and (ii) the
                  date we stop issuing that GMIB Rider for new Contracts of the
                  same class as this Contract; and,

         (iv)     you must be between the ages of [20] and [74] on the GMIB
                  Rider Addition Date described below for such request to take
                  effect.

 You may submit a request to add the GMIB Rider to your Contract to our
 Processing Office. If you meet the eligibility requirements, then your Rider
 will take effect on the Contract Date Anniversary on or following the date we
 receive the request. This is the "Effective Date" of your GMIB Rider. The date
 that the rider is added to your Contract, if such date precedes the Effective
 Date, is the "Addition Date" of your GMIB Rider.

2009ADOPT

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 GMIB RIDER EFFECTIVE DATE:

 As of the GMIB Rider Effective Date:

         (i)  your initial GMIB Benefit Base is set to equal the Annuity Account
              Value; and,

         (ii) all other terms and conditions of the GMIB Rider will apply.










 AXA EQUITABLE LIFE INSURANCE COMPANY

 /s/ Christopher M. Condron              /s/ Karen Field Hazin
 -------------------------------------   ---------------------------------------
 Christopher M. Condron                  Karen Field Hazin, Vice President,
 President and Chief Executive Officer   Secretary and Associate General Counsel



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