8-K

                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                    FORM 8-K

                                 CURRENT REPORT

     Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934


         Date of Report (Date of earliest event reported): February 19, 2009

                               AXA FINANCIAL, INC.
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             (Exact name of Registrant as specified in its charter)



          Delaware                       1-11166                 13-3623351
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(State or other jurisdiction of   (Commission File Number)   (I.R.S. Employer
incorporation or organization)                               Identification No.)



1290 Avenue of the Americas
New York, New York                                              10104
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(Address of principal executive offices)                      (Zip Code)


                                 (212) 554-1234
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              (Registrant's telephone number, including area code)

                                      None
    -------------------------------------------------------------------------
             (Former name or address, if changed since last report)

    Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any of the
following provisions (see General Instruction A.2. below):

    / /  Written communications pursuant to Rule 425 under the Securities Act
(17 CFR 230.425)
    / /  Soliciting material pursuant to Rule 14a-12 under the Exchange Act
(17 CFR 240.14a-12)
    / /  Pre-commencement communications pursuant to Rule 14d-2(b) under the
Exchange Act (17 CFR 240.14d-2(b))
    / /  Pre-commencement communications pursuant to Rule 13e-4(c) under the
Exchange Act (17 CFR 240.13e-4(c))



ITEM 2.02  RESULTS OF OPERATIONS AND FINANCIAL CONDITION.

On February 19, 2009, AXA, the Registrant's parent company, issued a press
release announcing its consolidated 2008 results of operations, prepared in
accordance with International Financial Reporting Standards ("IFRS"). Set forth
in Exhibit 99.1 is the AXA press release. Included within AXA's consolidated
2008 results of operations are the results of operations of the Registrant and
its consolidated subsidiaries, presented in accordance with IFRS. The AXA press
release includes "AXA Group IFRS Revenues", "Underlying Earnings," "Adjusted
Earnings" and "Net Income, Group Share" for United States Life & Savings
operations, which is a reference to the Registrant's Financial
Advisory/Insurance segment. "AXA Group IFRS Revenues", "Underlying Earnings,"
"Adjusted Earnings" and "Net Income, Group Share" are not measures calculated
and presented in accordance with generally accepted accounting principles in the
United States ("U.S. GAAP"). Set forth in Exhibit 99.2 are reconciliations of
(a) the AXA U.S. Life & Savings Contribution to AXA Group IFRS Revenues for the
years ended December 31, 2008 and 2007 to the Registrant's U.S. GAAP Premiums
for the same periods and (b) the Registrant's contribution to AXA IFRS
Underlying Earnings (IFRS net income excluding net realized capital gains
(losses), goodwill and related intangibles, profit and loss on financial assets
(under the fair value option), derivatives and exceptional operations), Adjusted
Earnings and Net Income, Group Share for the years ended December 31, 2008 and
2007 to the Registrant's consolidated U.S. GAAP Net Earnings for the same
periods.

In accordance with General Instruction B.2 of Form 8-K, the information in this
Current Report on Form 8-K, including Exhibits 99.1 and 99.2, shall not be
deemed to be "filed" for purposes of Section 18 of the Securities Exchange Act
of 1934, as amended (the "Exchange Act"), or otherwise subject to the liability
of that section, and shall not be incorporated by reference into any
registration statement or other document filed under the Securities Act of 1933,
as amended, or the Exchange Act, except as shall be expressly set forth by
specific reference in such filing.

ITEM 9.01  FINANCIAL STATEMENTS AND EXHIBITS.

EXHIBIT
NUMBER    EXHIBIT DESCRIPTION

99.1      Press Release, dated February 19, 2009, of AXA.

99.2      Reconciliation of AXA U.S. Life and Savings Contribution to AXA Group
          IFRS Revenues with Consolidated AXA Financial, Inc. Premiums under
          U.S. GAAP and Reconciliation of the Registrant's Contribution to AXA
          IFRS Underlying Earnings, Adjusted Earnings and Net Income, Group
          Share for the years ended December 31, 2008 and 2007 to the
          Registrant's consolidated U.S. GAAP Net Earnings.


                                       -2-



                                    SIGNATURE

         Pursuant to the requirements of the Securities Exchange Act of 1934,
the Registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.

                                        AXA FINANCIAL, INC.


Date:  February 19, 2009                    By: /s/ Alvin H. Fenichel
                                            --------------------------------
                                            Name:  Alvin H. Fenichel
                                            Title: Senior Vice President and
                                                   Chief Accounting Officer








                                      -3-

EX-99.1

EX-99.2

AXA Financial, Inc.

Reconciliation of AXA US Life & Savings Contribution to AXA Group IFRS Revenues

with Consolidated AXA Financial, Inc. Premiums under USGAAP

 (in millions)

			Twelve Months Ended December 31,
			2007			2008
Contribution to IFRS Revenues per AXA Press Release		in Euro
	Gross Premiums			15,391			13,027
	Other Revenues (A)			852			728
				16,243			13,755
		Average exchange rate   US$1.00 =		0.73000			0.67998
		in US$		22,250			20,229
Reconciling items:
	Less:  Other Revenues (A)			(1,167	)		(1,071	)
	Less:  Deposits from Universal life and investment-type product policy fee income (B)			(19,016	)		(17,145	)
	Less:  Reinsurance ceded premiums  (C)			(516	)		(519	)
	Add:   Others (D)			11			28
Total Reconciling items				(20,688	)		(18,707	)
Consolidated AXA Financial, Inc. USGAAP Premiums				1,562			1,522

(A)	Represents fees received from servicing and advisory business, and fees on the sales of Mutual Funds reported within Commissions,
	Fees & Other Income in the USGAAP Statement of Earnings.
(B)	Reflected as an increase to Policyholder Account Balances in the USGAAP Balance Sheet.
(C)	Reflected as a reduction to Premiums in the USGAAP Statement of Earnings.
(D)	Represents Pension fee income and Reinsurance Assumed Premiums that are excluded from premiums for IFRS reporting.

 AXA Financial, Inc.

 Reconciliation of the Contribution to IFRS Underlying Earnings, Adjusted Earnings and Net Income, Group Share

 to AXA Financial's USGAAP Net Earnings

 (in millions)

			12 Months Ended December 31,
			2007	2008
Contribution to IFRS Underlying Earnings, per AXA Press Release		in Euro
	US Life & Savings		883	(225)
	Asset Management		314	318
	AXA Financial Holding Company		(102)	(88)
Total Contribution to IFRS Underlying Earnings		in Euro	1,095	5
	Net realized capital gains attributable to shareholders		(32)	(153)
Total Contribution to IFRS Adjusted Earnings		in Euro	1,063	(148)
	Profit or loss on financial assets (under Fair Value option) and derivatives		29	33
	Exceptional operations and discontinued operations		(4)	(21)
	Goodwill and related intangibles		(22)	(7)
Total Contribution to IFRS Net Income, Group Share		in Euro	1,066	(143)
	Average exchange rate	US$1.00 =	0.73000	0.67998
		in US$	1,460	(211)
Reconciling items:
(A)	GMIB/DB Reserves & Reinsurance Asset		166	5,152
(B)	Investment income & capital gains (losses)		5	(8)
(C)	Amortization of goodwill & other intangible assets		(19)	(25)
(D)	Employee Benefits Plan - Fresh Start, net of DAC capitalization		(49)	(55)
(E)	Employee stock based compensation		(43)	(5)
(F)	Other Reserve adjustment - including  SOP 03-01		20	12
(G)	Amortization of DAC & VOBA		(179)	(1,275)
(H)	Gains on issuance of Alliance units		11	(3)
(I)	Tax Reserves Release		(45)	-
(J)	MONY Integration Expenses		(8)	(4)
(K)	Tax on sale of Alliance units		-	56
(L)	Other		5	(49)
Total Reconciling items			(136)	3,796
Consolidated US GAAP Net Earnings			$     1,324	$        3,585

(A)	Reflects the accounting for reinsurance contracts ceding variable annuity Guaranted Minimum Income Benefit ('GMIB') features as derivative contracts at fair value under USGAAP vs. ceded reinsurance reserves under IFRS; and insurance reserves for Guaranteed Minimum Death Benefit ("GMDB") and GMIB features subject to economic hedging programs on an SOP 03-1 basis under USGAAP vs. remeasurement to reflect current market conditions under IFRS.
(B)	Primarily reflects different accounting methodologies  for impairments under IFRS and USGAAP.
(C)	Reflects amortization of acquisition related intangible assets in USGAAP on acquisitions prior to adoption of IFRS.
(D)	Represents impact of IFRS initial implementation "fresh start" adjustment to eliminate the portion of employee benefit liabilities related to deferred actuarial gains and losses, which has resulted in a reduction of ongoing IFRS employee benefit expenses compared to USGAAP over the period in which those deferred gains and losses would otherwise have been amortized.  2008 includes the IFRS impacts of modifications made to the MONY Benefit Plans, which are recognized as a curtailment gain for IFRS but are deferred for USGAAP purposes.
(E)	Primarily reflects different accounting methodologies for share based awards under IFRS and USGAAP.
(F)	Represents adjustment of MVA liabilities from the IFRS basis accrued account balance (with interest rate floors reflected  on a contract-by-contract basis) to the USGAAP basis (which considers the impact of interest rate floors on a block of business basis) and adjustments to the liability related to group pension contracts and certain mortality and annuitization benefits, such as the No Lapse Guarantee feature contained in variable and universal life contracts under SOP 03-01.
(G)	Represents DAC and VOBA reactivity to other IFRS adjustments.
(H)	Represents different accounting methodologies related to the issuance of AllianceBernstein units.
(I)	Represents release of tax reserves recognized in IFRS Earnings and credited to Equity under USGAAP upon adoption of FIN 48 as of  January 1, 2007.
(J)	Represents releases of integration-related accruals which are excluded from USGAAP Net Earnings.
(K)	Represents different accounting methodologies related to the tax expense associated with the sale of AllianceBernstein units.
(L)	Other represents operations assumed on behalf of AXA Japan and software amortization.