424B3
                                                                      333-104713


AXA Equitable Life Insurance Company
SUPPLEMENT DATED MARCH 6, 2006 TO THE CURRENT VARIABLE ANNUITY PROSPECTUS FOR:
AXA EQUITABLE ACCUMULATOR(R) PLUS(SM)
- --------------------------------------------------------------------------------

This supplement modifies certain information in the above-referenced Prospectus,
Supplements to Prospectus and Statement of Additional Information ("SAI") dated
May 1, 2005, as previously supplemented (together, the "Prospectus"). Unless
otherwise indicated, all other information included in the Prospectus remains
unchanged. The terms and section headings we use in this supplement have the
same meaning as in the Prospectus. You should keep this supplement with your
Prospectus. We will send you another copy of the Prospectus without charge upon
request.

Please note the following modifications which will become effective upon
regulatory approval:

A.   In "Contract features and benefits," please note the following changes:

     1.   Under "Allocating your contributions," in the subsection "Guaranteed
          principal benefit option 1," the following is added after the last
          sentence:

               If GPB option 1 continues under the successor owner/annuitant
               feature, the account value will be reduced by the amount of any
               Credit attributable to any contributions made within one year of
               your death. If any portion of the Credit must be recovered from
               the fixed maturity option selected under GPB Option 1, the amount
               in the fixed maturity option may not grow to equal your initial
               contribution plus any applicable credit under GPB option 1.

     2.   Under "Allocating your contributions," in the subsection "Guaranteed
          principal benefit option 2," the following is added after the fifth
          sentence of the fourth paragraph:

               However, the account value will be reduced by the amount of any
               Credit attributable to any contributions made within one year of
               your death. If any portion of the Credit must be recovered from
               the Special 10-year fixed maturity option, the fixed maturity
               amount would be affected; however, the guaranteed amount under
               GPB option 2 will not be affected.

     3.   Under "Credits", the third sentence in the paragraph following the
          table showing breakpoints and applicable crediting percentages is
          deleted in its entirety and replaced with the following:

               This credit percentage will be credited to your initial
               contribution and each additional contribution made in the first
               contract year (after adjustment as described below), as well as
               those in the second and later contract years. The credit will
               apply to an additional contribution only to the extent that the
               sum of that contribution and all prior contributions to which no
               Credit was applied exceeds the total withdrawals made from the
               contract since the issue date.

     4.   Under "Credits," the following bulleted statement is added as the
          third bullet immediately following "In addition to the recovery of any
          Excess Credit, we will recover all of the credit or a portion of the
          credit in the following situations":

          o    If the annuitant dies during the one-year period following our
               receipt of a contribution to which a credit was applied, we will
               recover the amount of such Credit.+ See "Guaranteed principal
               benefit option 1" and "Guaranteed principal benefit option 2"
               earlier in this section; "Guaranteed minimum death benefit,"
               "Principal Protector(SM)" and "Protection Plus(SM)" later in this
               section; and "Your beneficiary and payment of benefit";
               "Successor owner and annuitant"; "Spousal protection"; and
               "Beneficiary continuation option" in "Payment of death benefit,"
               later in this Prospectus.

     5.   Under "Guaranteed minimum death benefit," the following is added as
          the fourth paragraph:

               If the annuitant dies during the one-year period following our
               receipt of a contribution, the account value used to calculate
               the applicable guaranteed minimum death benefit will not reflect
               any Credits applied in the one-year period prior to death.

     6.   Under "Guaranteed minimum death benefit," in the subsection
          "Protection Plus(SM)" the following is added as the fifth paragraph:

               For purposes of calculating the Protection Plus(SM) benefit, if
               any contributions are made in the one-year period prior to death
               of the annuitant, the account value will not include any Credits
               applied in the one-year period prior to death.

     7.   Under "Principal Protector" the third sentence of the last paragraph
          in the subsection "Optional step up provision" is deleted in its
          entirety and replaced with the following:

- ----------
+ Recovery of such credit is subject to our receipt of an SEC exemptive order,
  which we anticipate receiving shortly. Until the order is issued, we will
  not exercise our right to recover such credits.


IM-06-02(3/06)                                            Cat.No. 136090(3/06)
Accum '04 Series-NB                                                     x01293




               The account value will be reduced by any Credits applied to
               contributions made within one year prior to your death before the
               comparison with the GWB benefit base, for purposes of the GWB
               benefit base step up. As of the date of the GWB benefit base step
               up (if applicable) your beneficiary's GWB Annual withdrawal
               amount will be equal to the greater of (i) your GWB Annual
               withdrawal amount before the step up, and (ii) your GWB
               Applicable percentage applied to the stepped up GWB benefit base.

B.   In "Payment of death benefit," please note the following changes:

     8.   Under "Your beneficiary and payment of benefit," the following is
          added after the third paragraph:

               The account value used to determine the death benefit and
               Protection Plus(SM) benefit will first be reduced by the amount
               of any Credits applied in the one-year period prior to the
               annuitant's death.

     9.   Under "How death benefit payment is made," in the subsection
          "Successor owner and annuitant," the following is added after the
          first sentence of the second paragraph:

               If any contributions are made during the one-year period prior to
               your death, the account value will first be reduced by any
               Credits applied to any such contributions.

     10.  Under "How death benefit payment is made" in the subsection "Spousal
          protection," the following is added as the last sentence of the first
          bullet in the third paragraph:

               If the annuitant spouse dies, the account value will first be
               reduced by any Credits applied in the one-year period prior to
               the death of either spouse.

     11.  Under "Beneficiary continuation option," in the subsection
          "Beneficiary continuation option for traditional IRA and Roth IRA
          contracts only," the following sentence is added after the third
          sentence in the first paragraph; and under "Beneficiary continuation
          option for NQ contract only," under "If you are both the owner and
          annuitant," at the end of the first bullet:

               If you die during the one-year period following our receipt of a
               contribution, the account value will first be reduced by any
               Credits applied to such contribution.

     12.  Under "Beneficiary continuation option" in the subsection "Beneficiary
          continuation option for traditional and Roth IRA contracts only," the
          following sentence is added before the last sentence of the 15th
          bullet; and in the subsection "Beneficiary continuation option for NQ
          contract only," before the last sentence of the 16th bullet:

               If you die during the one-year period following our receipt of a
               contribution to which a Credit was applied, the account value
               will first be reduced by any Credits applied to such contribution
               before comparison with the GWB benefit base for purposes of any
               GWB benefit base step up.







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

2