EXHIBIT 99.4(a)(a)(v)

                                  ENDORSEMENT
                  APPLICABLE TO DEFINED BENEFIT QUALIFIED PLANS

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.

1.   PART I - DEFINITIONS

Certain definitions in Part I of your Contract are replaced as shown below:

EMPLOYER (SECTION 1.12): "Employer" means any Employer that has adopted a Plan
qualified under Section 401(a) of the Code. The Employer is named in the Data
pages.

OWNER (SECTION 1.17): "Owner" means the trustee of a trust for the Plan. The
Owner with reference to this Contract is named in the Data pages.

PLAN (SECTION 1.18): "Plan" means a defined benefit plan adopted by the Employer
that is intended to meet the requirements for qualifications under Section
401(a) of the Code. The Plan is named in the Data pages.

The following definition is added to Part I.

QUALIFIED PLAN (SECTION 1.25). Qualified Plan is a plan that is intended to meet
the requirements for qualification under Section 401(a) of the Code.

2.   PART III - CONTRIBUTIONS AND ALLOCATIONS

The following is added at the end of SECTION 3.02 LIMITS ON CONTRIBUTIONS

The Employer shall contribute to the Contract such amounts and at such times as
shall be determined by the Plan's actuary in accordance with the Plan.
Restrictions, if any, on Contributions are stated in the Data pages. No
contributions shall be accepted from any employee.

3.   PART V - WITHDRAWALS AND TERMINATIONS

The following is added at the end of SECTION 5.02 CONTRACT TERMINATION.

     (e)  The Owner directs us to pay out the entire Cash Value under the
          Contract.

     (f)  The Plan ceases to be a Qualified Plan.

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The following section is added to PART V, SECTION 5.03 AMOUNTS CONVERTED TO AN
IRA CONTRACT.

The Owner may direct us to convert the Contract to a Rollover IRA according to
the same Contract Date as this Contract.

4.   PART VI - PAYMENT UPON DEATH

The following is added to SECTION 6.01 - BENEFICIARY

The Owner of this Contract shall be the beneficiary of any Death Benefit. After
the death of the Annuitant but before the Death Benefit is paid, the Owner may
instruct us in writing in a form we accept to make the Death Benefit payable to
the Annuitant's beneficiary under the Plan.

In SECTION 6.02 PAYMENT UPON DEATH the word "you" is replaced with "the
Annuitant" and the word "your" is replaced with "the Annuitant's."

6.   PART IX - GENERAL PROVISIONS

The following is added to SECTION 9.05 -ASSIGNMENTS AND TRANSFERABILITY

Any amounts payable pursuant to this Contract may not be assigned, pledged,
transferred or encumbered except as permitted under applicable law. The above
restriction does not apply to a change authorized by a qualified domestic
relations order defined in Section 414(p) of the Code.

The following sections are added to PART IX - GENERAL PROVISIONS

SECTION 9.08 - OWNER'S RESPONSIBILITY

We will make no payment under this Contract without instructions from the Owner
in a form we accept and we will be fully discharged from any liability with
respect thereto to the extent such payments are made pursuant to such
instructions. Further, it is the Owner's responsibility to determine that any
Annuity Benefit form elected and the payment intervals are permitted under the
terms of the Plan, the Employee Retirement Income Security Act 1974, the Code
and any other applicable laws, rules and regulations.

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SECTION 9.09 - PLAN QUALIFICATION

If at any time the Plan is no longer a Qualified Plan, the Owner is to give us
prompt written notice thereof. If the Owner gives notice that the Plan is no
longer a Qualified Plan, then upon at least thirty days advance written notice
to the Owner, we will terminate the Contract as provided under this Section.

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

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