-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
 MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen
 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 KD1k8Swlg8cO4hQlXyn8qerLf3hqTMaRPKEvzdVjWiTWnLfEgciVIo0Lp4/E2VFo
 TRuYmkh3XS1o9ajm4CcMrQ==

<SEC-DOCUMENT>0000771726-04-000466.txt : 20041230
<SEC-HEADER>0000771726-04-000466.hdr.sgml : 20041230
<ACCEPTANCE-DATETIME>20041230112549
ACCESSION NUMBER:		0000771726-04-000466
CONFORMED SUBMISSION TYPE:	424B3
PUBLIC DOCUMENT COUNT:		1
FILED AS OF DATE:		20041230
DATE AS OF CHANGE:		20041230

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			AXA EQUITABLE LIFE INSURANCE CO
		CENTRAL INDEX KEY:			0000727920
		STANDARD INDUSTRIAL CLASSIFICATION:	INSURANCE AGENTS BROKERS & SERVICES [6411]
		IRS NUMBER:				135570651
		STATE OF INCORPORATION:			NY
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		424B3
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	333-104713
		FILM NUMBER:		041232859

	BUSINESS ADDRESS:	
		STREET 1:		1290 AVENUE OF THE AMERICAS
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10104
		BUSINESS PHONE:		2125541234

	MAIL ADDRESS:	
		STREET 1:		1290 AVENUE OF AMERICAS
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10104

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	AXA-EQUITABLE LIFE INSURANCE CO
		DATE OF NAME CHANGE:	20040928

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	EQUITABLE LIFE ASSURANCE SOCIETY OF THE UNITED STATES /NY/
		DATE OF NAME CHANGE:	19920703
</SEC-HEADER>
<DOCUMENT>
<TYPE>424B3
<SEQUENCE>1
<FILENAME>e6822.txt
<TEXT>

                                                                           424B3
                                                                      333-104713


<PAGE>


AXA Equitable Life Insurance Company

SUPPLEMENT DATED DECEMBER 31, 2004 TO THE CURRENT VARIABLE ANNUITY PROSPECTUSES
FOR:
Equitable Accumulator(R)
Equitable Accumulator(R) Elite(SM)
Equitable Accumulator(R) Plus(SM)
Equitable Accumulator(R) Select(SM)
- --------------------------------------------------------------------------------

Under "Distribution of the contracts," please note the following changes:

      A.   The fourth paragraph is deleted in its entirety and replaced with the
           following:

           The contracts are sold by financial professionals of AXA Advisors and
           its affiliates and by financial professionals of AXA Distributors, as
           well as by affiliated (including MONY Securities Corporation ("MSC"),
           an affiliated retail broker) and unaffiliated broker-dealers who have
           entered into selling agreements with AXA Distributors.

      B.   The following is inserted immediately following the fourth paragraph:


           We pay broker-dealer sales compensation to both AXA Advisors and AXA
           Distributors. In general, broker-dealers receiving sales compensation
           will pay a portion of it to individual financial representatives as
           commissions related to the sales of contracts.

           Sales compensation paid to AXA Advisors generally will not exceed
           8.5% of the total contributions made under the contracts. AXA
           Advisors, in turn, may pay its financial professionals either a
           portion of the contribution-based compensation or a reduced portion
           of the contribution-based compensation in combination with ongoing
           annual compensation ("asset-based compensation") up to 0.60% of the
           account value of the contract sold, based on the financial
           professional's choice. Contribution-based compensation, when combined
           with asset-based compensation, could exceed 8.5% of the total
           contributions made under the contracts.

      C.   The first and second sentences of the fifth paragraph are deleted and
           replaced with the following:

           Sales compensation paid to AXA Distributors will generally fall
           within a range of 2.0% to 6.5% of the total contributions made under
           the contracts. AXA Distributors, on behalf of a selling
           broker-dealer, may choose to receive reduced contribution-based
           compensation in combination with asset-based compensation of up to
           1.25% of the account value of all or a portion of the contracts sold
           through the broker-dealer. Contribution-based compensation, when
           combined with asset-based compensation, could exceed 6.5% of the
           total contributions made under the contracts.

      D.   The first sentence of the sixth paragraph is deleted in its entirety
           and replaced by the following:

           Similarly, in an effort to promote the sale of our products, AXA
           Advisors (and AXA Distributors, with respect to our affiliate, MSC)
           may provide its financial professionals and managerial personnel with
           a higher percentage of sales commissions and/or compensation for the
           sale of an affiliated variable product than it would the sale of
           another product.

      E.   In the third sentence of the eighth paragraph, the following is
           added immediately after "AXA Advisors:"

           "and MSC"


             Copyright 2004. AXA Equitable Life Insurance Company
                              All Rights Reserved

IM-04-32 Supp. (12/04)                                          134726 (12/04)
                                                                          x00951

</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
-----END PRIVACY-ENHANCED MESSAGE-----