GUARANTEED MINIMUM DEATH BENEFIT ("GMDB") RIDER
               GREATER OF [6%] ROLLUP TO AGE [85] GMDB OR ANNUAL
                            RATCHET TO AGE [85] GMDB



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


THIS RIDER'S BENEFIT

On the Contract Date, your [6%] Roll Up to Age [85] Guaranteed Minimum Death
Benefit (GMDB) and Annual Ratchet to age [85] GMDB are both equal to your
initial Contribution [plus any Credit]. Thereafter, the GMDB is the greater of
the [6%] Roll Up to Age [85] GMDB or the Annual Ratchet to Age [85] GMDB.

[6%] ROLL UP TO AGE [85] GMDB

For the [6%] Roll Up to Age [85] GMDB, the GMDB is credited each day with
interest at an annual effective rate of [6%] ([3%] for amounts in the [EQ/ Money
Market Fund, EQ/Alliance Intermediate Government Securities, EQ/Short Duration,
Guaranteed Interest Account, the Fixed Maturity Options [APPLICABLE IF THE GPB
OPTION 2 IS ELECTED] [and Special Ten Year FMO, [and the loan reserve for the
TSA market]]) through the Contract Date Anniversary following the Annuitant's
[85th ] birthday (or the Annuitant's death, if earlier), and 0% thereafter. [The
GMDB interest rate applicable during the period selected for the Special Dollar
Cost Averaging Account, if applicable, will be [6%] and for the Money Market
Fund (12 Month) Dollar Cost Averaging Account, if applicable, will be [6%].] The
GMDB is also adjusted for any subsequent Contributions, [Credits] and
withdrawals as described under "Effects of Withdrawals" below.

         OPTIONAL RE-SET OF [6%] ROLLUP TO AGE [85] GMDB :

         On or within 30 days following the [fifth] or later Contract Date
         Anniversary, you may elect to re-set your [6%] Rollup to Age [85] GMDB
         to equal the Annuity Account Value on the immediately preceding
         Contract Date Anniversary. The [6%] Rollup continues on your re-set
         GMDB. When you re-set your [6%] Rollup to Age [85] GMDB, you may not
         re-set the GMDB again until the 5th or later Contract Date Anniversary
         following the re-set. Re-set is not permitted after the Contract Date
         Anniversary following the Annuitant's [75th] birthday.

         When you re-set your [6%] Rollup to Age [85] GMDB, your [6%] Rollup to
         Age [85] GMIB Benefit Base is automatically re-set as described in your
         Guaranteed Minimum Income Benefit Rider.



ANNUAL RATCHET TO AGE [85] GMDB


For the Annual Ratchet to Age [85] GMDB, on each Contract Date Anniversary up to
the Contract Date Anniversary following the Annuitant's [85th] birthday, if the
Annuity Account Value is greater than the current GMDB, the GMDB is re-set to
equal the Annuity Account Value. The GMDB is also adjusted for any subsequent
Contributions, [Credits] and withdrawals as described under "Effects of
Withdrawals" below.





2003GMDB(rev1105)OPR                                1






IF SPOUSAL PROTECTION IS ELECTED BY JOINT OWNERS: [A GMDB that by its terms
accumulates to Annuitant age [85] will instead accumulate to age [85] of the
older Joint Owner for the life of the [Certificate/Contract], regardless of the
age of the named Annuitant. Notwithstanding the conditions of the previous
sentence, the terms and conditions of the optional re-set of your [6%] Rollup to
Age [85] GMDB are determined by the age of the Annuitant. The GMDB is frozen on
the Contract Date Anniversary following the older Joint Owner's [85th] birthday,
even if the older Joint Owner has died and thereafter is adjusted for
Contributions and withdrawals in accordance with its terms. The preceding
continues to apply even when the younger Joint Owner becomes the Successor Owner
Annuitant.]


EFFECT OF WITHDRAWALS

NOTE TO REGULATOR: THERE ARE THREE ALTERNATIVES FOR ADJUSTING THE GUARANTEED
MINIMUM DEATH BENEFIT FOR WITHDRAWALS. THEY ARE REFERENCED BELOW AS OPTION 1, 2
AND 3. ALL ADJUSTMENTS ARE DETERMINED ON A CONTRACT YEAR BASIS. THE ONE OPTION
WE IMPLEMENT WILL BE REFLECTED IN THIS RIDER AS ISSUED AND WILL NOT CHANGE FOR
AN ANNUITANT ONCE ISSUED.

OPTION 1  (DOLLAR FOR DOLLAR ADJUSTMENT ON [6]% OF WITHDRAWALS AND PRO-RATA
---------------------------------------------------------------------------
THEREAFTER FOR BOTH GMDBS):
--------------------------

[The [6%] Roll Up to Age [85] GMDB and the Annual Ratchet to Age [85] GMDB will
each be reduced by withdrawals. The reduction is determined separately for each
GMDB. The reduction of the GMDB is on a dollar-for-dollar basis as long as the
sum of your withdrawals in a Contract Year is [6%] or less of the GMDB as of the
beginning of the Contract Year. Once a withdrawal is made that causes cumulative
withdrawals in a Contract Year to exceed [6%] of the GMDB as of the beginning of
the Contract Year, that entire withdrawal and any subsequent withdrawals in that
Contract Year will cause a pro rata reduction of the GMDB. (Because your Annual
Ratchet to Age [85] GMDB may differ from your [6%] Roll Up to Age [85] GMDB, the
same withdrawal may produce a pro rata adjustment in one GMDB and not in the
other GMDB.)]

OPTION 2  (FOR [6]% ROLL-UP GMDB ONLY:  DOLLAR FOR DOLLAR ADJUSTMENT ON [6]% OF
-------------------------------------------------------------------------------
WITHDRAWALS, AND PRO-RATA  THEREAFTER;  FOR ANNUAL RATCHET GMDB ONLY:
--------------------------------------------------------------------
PRO-RATA ADJUSTMENT)
-------------------


 [The [6%] Roll Up to Age [85] and the Annual Ratchet to Age [85] GMDB will each
be reduced by withdrawals. The reduction is determined separately for each GMDB.
The Annual Ratchet to Age [85] GMDB will be reduced pro rata by all withdrawals.
The reduction of the Roll Up to Age [85] GMDB is on a dollar-for-dollar basis as
long as the sum of your withdrawals in that Contract Year is [6%] or less of the
GMDB as of the beginning of the Contract Year. Once a withdrawal is made that
causes cumulative withdrawals in a Contract Year to exceed [6%] of the GMDB as
of the beginning of the Contract Year, that entire withdrawal and any subsequent
withdrawals in that Contract Year will cause a pro rata reduction of the Roll Up
to Age [85] GMDB.]


OPTION 3  (PRO-RATA ADJUSTMENT OF WITHDRAWALS FOR BOTH GMDBS):

[The [6%] Roll Up to Age [85] GMDB and the Annual Ratchet to Age [85] GMDB will
each be reduced pro rata by withdrawals. The reduction is determined separately
for each GMDB.]

A pro rata reduction is determined as follows:
1) Divide the amount of the withdrawal by your Annuity Account Value immediately
preceding the withdrawal;
2) Multiply the fraction calculated in (1) by the amount of your GMDB
immediately preceding the withdrawal. This is the amount of the pro rata
reduction. We will reduce your GMDB by this amount. We will make this reduction
as of the Transaction Date of each withdrawal.




2003GMDB(rev1105)OPR                         2



[FOR NQ AND IRA MARKET SEGMENTS ONLY]
[SPECIAL RULES FOR SUCCESSOR OWNER/ANNUITANT

If the Owner/Annuitant dies and the surviving spouse (who is the joint owner or
sole primary beneficiary) elects to become Successor Owner/Annuitant (SOA), the
Annuity Account Value for the continued [Contract/Certificate] will be equal to
the greater of (i) the Annuity Account Value as of the date we receive due proof
of the Owner/Annuitant's death, or (ii) the GMDB as of the date of the
Owner/Annuitant's death. If the GMDB is greater than the Annuity Account Value,
we will re-set the Annuity Account Value to equal the GMDB. Any additional
amount of Annuity Account Value will be allocated in accordance with the current
allocation instructions on file. We do not re-set the GMDB if the Annuity
Account Value is higher.

In determining whether this rider will continue to apply, we will use the age of
the SOA as of the as of the date of death of the original Owner/Annuitant.

        o   If the SOA is age [75] or younger as of the date of death, this
            optional GMDB continues until the Contract Date Anniversary
            following the SOA's [85th] birthday. If the GMDB had ended due to
            the original Owner/Annuitant attaining age [85], we will reinstate
            the GMDB if the SOA is eligible.

        o   If the SOA is age [76] or older, the GMDB value is frozen as of
            the date of death of the original Owner/Annuitant (and adjusted
            for any contributions and withdrawals thereafter) and any charge
            that applies ends.

Withdrawal charges will no longer apply to Contributions made prior to the
original Owner/Annuitant's death. Withdrawal charges apply to any Contributions
made by the SOA after the original Owner/Annuitant's death.]

THE COST OF THIS RIDER

The charge for this benefit is shown in the Data Pages.

GENERAL PROVISIONS OF THIS RIDER

Upon the occurrence of any of the following, this rider and any charge
associated herewith will terminate: (i) the [Contract/Certificate] terminates,
(ii) SOA is elected and the SOA is age [76] or older as of the date of death of
the original Annuitant , (iii) the [Contract/Certificate] is continued under the
Beneficiary Continuation Option, if applicable, or (iv) the
[Contract/Certificate is annuitized, including exercise of Guaranteed Minimum
Income Benefit (also referred to as Living Benefit), if applicable.

AXA EQUITABLE LIFE INSURANCE COMPANY
[OBJECT OMITTED]  [GRAPHIC OMITTED][GRAPHIC OMITTED]



/S/Christopher M. Condron                              /S/Pauline Sherman
-------------------------                              ------------------
Christopher M. Condron                                 Pauline Sherman
Chairman and Chief Executive Officer                   Senior Vice President,
                                                       Secretary and Associate
                                                       General Counsel



2003GMDB(rev1105)OPR                         3