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): August 5, 2009

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



          Delaware                       1-11166                 13-3623351
- -------------------------------  -------------------------  -------------------
(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
- -------------------------------------------------     -------------------------
(Address of principal executive offices)                      (Zip Code)


                                 (212) 554-1234
                       ----------------------------------
              (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 August 5, 2009, AXA, the Registrant's parent company, issued a press release
announcing its consolidated results of operations for the six months ended
June 30, 2009, 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 results for the six months ended June 30, 2009 set
forth in the AXA press release is the contribution 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
six months ended June 30, 2009 and 2008 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 six months ended June 30, 2009 and
2008 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 August 5, 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 to the Registrant's US 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:  August 6, 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)



                                                                                                SIX MONTHS ENDED JUNE 30
                                                                                              ----------------------------
                                                                                                 2008               2009
                                                                                              ----------         ---------
                                                                                                           
CONTRIBUTION TO IFRS GROSS REVENUES PER AXA PRESS RELEASE                           IN EURO

   Gross Premiums                                                                                6,359              5,270
   Other Revenues (A)                                                                              373                314
                                                                                              ----------         ---------
                                                                                                 6,732              5,584

                                             Average exchange rate   US$1.00 =                 0.65321            0.74912

                                                                                    IN USD      10,306              7,454
Reconciling items:
   Less: Other Revenues (A)                                                                       (570)              (418)
   Less: Deposits from Universal life and investment-type product policy fee income (B)         (8,736)            (6,066)
   Less: Reinsurance ceded premiums  (C)                                                          (244)              (244)
   Add:  Others (D)                                                                                 13                 11
                                                                                               ----------        ---------
          Total Reconciling items                                                               (9,537)            (6,717)
                                                                                               ----------        ---------

CONSOLIDATED AXA FINANCIAL, INC. US GAAP PREMIUMS                                                  769                737
                                                                                               ==========        =========


(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 US GAAP Statement of Earnings.


(B) Reflected as an increase to Policyholder Account Balances in the US GAAP
    Balance Sheet.

(C) Reflected as a reduction to Premiums in the US GAAP 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 INCOME
                                  (in millions)



                                                                                                   6 MONTHS ENDED JUNE 30,
                                                                                                ----------------------------
                                                                                                   2008              2009
                                                                                                ----------       -----------
                                                                                                              
CONTRIBUTION TO IFRS UNDERLYING EARNINGS, PER AXA PRESS RELEASE                     IN EURO

   US Life & Savings                                                                                 326               271
   Asset Management                                                                                  128                95
   AXA Financial Holding Company                                                                     (48)              (60)
                                                                                                ----------       -----------
TOTAL CONTRIBUTION TO IFRS UNDERLYING EARNINGS                                      IN EURO          406               306

   Net realized capital gains attributable to shareholders                                           (20)               16
                                                                                                ----------       -----------
TOTAL CONTRIBUTION TO IFRS ADJUSTED EARNINGS                                        IN EURO          386               322

   Profit or loss on financial assets (under Fair Value option) and derivatives                      (21)             (408)
   Exceptional operations and discontinued operations                                                 11                (5)
   Goodwill and related intangibles                                                                   (6)                -
                                                                                                ----------       -----------
TOTAL CONTRIBUTION TO IFRS NET INCOME, GROUP SHARE                                  IN EURO          370               (91)

                                                              Average exchange rate  US$1.00 =     0.65321           0.74912

                                                                                    IN USD           567              (122)
Reconciling items:
(A) GMIB/DB Reserves & Reinsurance Asset                                                             746            (2,227)
(B) Investment income & capital gains (losses)                                                        13               (18)
(C) Amortization of goodwill & other intangible assets                                                (8)              (12)
(D) Employee Benefits Plan - Fresh Start, net of DAC capitalization                                  (33)              (36)
(E) Employee stock based compensation                                                                 (2)               (1)
(F) Other Reserve adjustment - including  SOP 03-01                                                   11                 3
(G) Amortization of DAC & VOBA                                                                      (147)              325
(H) Other                                                                                              2               (17)
                                                                                                ----------       -----------
Total Reconciling items                                                                              582            (1,983)
                                                                                                ----------       -----------
CONSOLIDATED US GAAP NET EARNINGS                                                                $ 1,149          $ (2,105)
                                                                                                ==========       ===========


(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 SOP03-01.

(G) Represents DAC and VOBA reactivity to other IFRS adjustments.

(H) Other primarily represents operations assumed on behalf of AXA Japan and
    different effective tax rates under IFRS and USGAAP.