424(b)(3)
                                                                      333-155350



AXA Equitable Life Insurance Company

AXA EQUITABLE VARIABLE ANNUITIES

PROSPECTUS SUPPLEMENT DATED FEBRUARY 5, 2010
- --------------------------------------------------------------------------------

This Supplement modifies certain information in the above-referenced
prospectus, supplements to prospectus and statement of additional information,
(together the "Prospectus"). You should read this Supplement in conjunction
with the Prospectus and retain it for future reference. Unless otherwise
indicated, all other information included in the Prospectus remains unchanged.
The terms we use in this Supplement have the same meaning as in the Prospectus.
We will send you another copy of any prospectus or supplement without charge
upon request. Please contact the customer service center referenced in your
Prospectus.

APPLICABLE TO CONTRACTS SOLD THROUGH AXA ADVISORS ONLY:

The following information supplements the information in your prospectus that
describes how we process your initial contribution*. In "Contract features and
benefits" under "How you can make contributions", the second and third
paragraphs are replaced with the following:

If your contract is sold by a financial professional of AXA Advisors, AXA
Advisors will direct us to hold your initial contribution, whether received via
check or wire, in a non-interest bearing "Special Bank Account for the
Exclusive Benefit of Customers" while AXA Advisors ensures your application is
complete and that suitability standards are met. AXA Advisors will either
complete this process or instruct us to return your contribution to you within
the applicable FINRA time requirements. Upon timely and successful completion
of this review, AXA Advisors will instruct us to transfer your contribution
into our non-interest bearing suspense account and transmit your application to
us, so that we can consider your application for processing.

If your application is in good order when we receive it for application
processing purposes, your contribution will be applied within two business
days. If any information we require to issue your contract is missing or
unclear, we will hold your contribution while we try to obtain this
information. If we are unable to obtain all of the information we require
within five business days after we receive an incomplete application or form,
we will inform the financial professional submitting the application on your
behalf. We will then return the contribution to you, unless you or your
financial professional acting on your behalf, specifically direct us to keep
your contribution until we receive the required information. The contribution
will be applied as of the date we receive the missing information.

If your financial professional is with a selling broker-dealer other than AXA
Advisors, this supplement does not apply to you.


* For the Variable Immediate Annuity contract, we used the term "premium"
  instead of "contribution".










   Copyright 2010 AXA Equitable Life Insurance Company. All rights reserved.


       AXA Equitable variable annuities are distributed by its affiliates,
                  AXA Advisors, LLC and AXA Distributors, LLC,
                1290 Avenue of the Americas, New York, NY 10104.

                      AXA Equitable Life Insurance Company
                 1290 Avenue of the Americas, New York, NY 10104
                                  212-554-1234

IM-10-07 (2/10)                                           CAT. NO. 143835 (2/10)
Retail Only - NB                                                          x03030


AXA Equitable Life Insurance Company

AXA EQUITABLE VARIABLE ANNUITIES

PROSPECTUS SUPPLEMENT DATED FEBRUARY 5, 2010

- --------------------------------------------------------------------------------

This Supplement modifies certain information in the above-referenced
prospectus, supplements to prospectus and statement of additional information,
(together the "Prospectus"). You should read this Supplement in conjunction
with the Prospectus and retain it for future reference. Unless otherwise
indicated, all other information included in the Prospectus remains unchanged.
The terms we use in this Supplement have the same meaning as in the Prospectus.
We will send you another copy of any prospectus or supplement without charge
upon request. Please contact the customer service center referenced in your
Prospectus.

The following information supplements the information in your prospectus that
describes how we process your initial contribution. In "Contract features and
benefits" under "How you can make your contributions," the third paragraph is
deleted in its entirety and replaced with the following:

Chase Investment Services, the selling broker-dealer that your financial
professional is affiliated with, has directed us to hold your initial
contribution, whether received via check or wire, in a non-interest bearing
"Special Bank Account for the Exclusive Benefit of Customers" while Chase
Investment Services ensures your application is complete and that suitability
standards are met. If Chase Investment Services does not submit your
application to us within ten business days from the date we received your
initial contribution, we will return it to Chase Investment Services on your
behalf. If Chase Investment Services does submit your application to us within
ten business days, we will transfer your contribution into our non-interest
bearing suspense account so that we can consider your application for
processing.

If your application is in good order when we receive it for application
processing purposes, your contribution will be applied within two business
days. If any information we require to issue your contract is missing or
unclear, we will hold your contribution while we try to obtain this
information. If we are unable to obtain all of the information we require
within five business days after we receive an incomplete application or form,
we will inform the financial professional submitting the application on your
behalf. We will then return the contribution to you, unless you or your
financial professional acting on your behalf, specifically direct us to keep
your contribution until we receive the required information. The contribution
will be applied as of the date we receive the missing information.

If your financial professional is with a selling broker-dealer other than Chase
Investment Services, this supplement does not apply to you.














    Copyright 2010 AXA Equitable Life Insurance Company. All rights reserved.

       AXA Equitable variable annuities are distributed by its affiliates,
                  AXA Advisors, LLC and AXA Distributors, LLC,
                1290 Avenue of the Americas, New York, NY 10104.

                      AXA Equitable Life Insurance Company
                 1290 Avenue of the Americas, New York, NY 10104
                                  212-554-1234

IM-10-08 (2/10)                                           CAT. NO. 143836 (2/10)
Chase Only - NB                                                           x03031