voluntary benefits enrollment for axa equitable professionals

The Added Benefits® Program Made EasyAmerican Benefits Consulting (“ABC”) is the administrator for the voluntary benefits made available by AXA Equitable Life Insurance Company (“AXA”). For your convenience, a dedicated website with your voluntary benefits is available through the Added Benefits® program. Visit AXA’s Added Benefits® website at www.axaaddedbenefits.com for additional information or to enroll.

For Travel Assistance Service and Legal Services, you must apply for coverage during the open enrollment period, October 27–November 14, 2014. For all other available programs, you can apply for coverage at any time.

October 27–November 14, 2014

Current Offerings for 2015:• New — Travel Insurance Program administered by AXA Assistance USA• Group legal services provided by ARAG®

• Pet insurance underwritten by Veterinary Pet Insurance• Identity theft protection and resolution underwritten by InfoArmor®

• Long-Term Care Insurance underwritten by CNA• Auto and home coverage underwritten by:

° Liberty Mutual®

° MetLife Auto & Home®

° Travelers

Voluntary Benefits Enrollment for AXA Equitable Professionals

These voluntary benefit programs are not employer-sponsored welfare plans for purposes of the Employee Retirement Income Security Act of 1974, as amended. AXA does not sponsor or maintain these programs. You must contact ABC to obtain information about these programs. You must make your own decision about the suitability of a voluntary benefits program for your own needs.

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Travel Protection

New offering — now you can have peace of mind when you pack your bags with AXA Assistance USA Travel Protection.

Travel is something you look forward to, but what happens when things don’t go as planned — your luggage does not arrive at your vacation destination or your flight is cancelled due to an unexpected storm?

Enroll in the new Annual Multi-Trip Travel Insurance Program¹, offered through AXA Assistance USA, and travel with peace of mind knowing you have travel protection for EVERY² trip you take.

The plan covers you when traveling domestically or abroad. Among the Travel Protection benefits², the plan provides coverage for:

• Trip Cancellation and Trip Interruption — reimburses your nonrefundable trip costs should you need to cancel your trip or your trip is interrupted by a covered unforeseen event.

• Baggage Loss and Baggage Delay — reimburses you for out-of-pocket expenses if your luggage is lost or delayed.

• Emergency Medical and Emergency Evacuation — covers medical expenses if you require medical attention for an illness or injury or emergency evacuation while on a covered trip.

In addition to the Travel Protection benefits, the plan includes:

• Premier Concierge Service, which can help make your travel experience more memorable by arranging for unique experiences during your travel.

• 24/7 Emergency Medical Assistance, to help you with arrangement of services in a medical emergency that may come up during your trip.

• The AXA Assistance Annual Multi-Trip plan offers affordable protection for your travel investments, providing coverage for a full year for any trip you take over 100 miles away from your residence.

• Enrolling in Travel Protection coverage is only available during the Open Enrollment period. Enrollment is easy, fast, and guaranteed. You simply enroll by accessing the AXA Travel Insurance link or contact AXA Assistance USA’s Customer Service directly at 877-344-1689.

You must apply for Travel Protection coverage during the open enrollment period from October 27–November 14, 2014.

¹Travel insurance plans are underwritten by American Modern Home Insurance Company (NAIC #23469, and in California, doing business as American Modern Insurance Company), a member company of American Modern Insurance Group, under policy form series AMT001. Travel insurance plans are brought to you through American Benefits and Compensation Systems, Inc., California License Number 0D48026 and administered by AXA Assistance USA.

²Travel Insurance Plans offered through the Annual Multi-trip Travel Insurance Program cover any single trip up to 60 days in length. This is only a summary of our program. Please read the policy carefully to fully understand the coverages, terms, conditions, limits, and exclusions. To obtain a copy of the policy call 877-344-1689.

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Covered Incident Silver Plan Gold Plan Platinum Plan

Annual Plan Rates/ Per Traveler $133 $238 $419

Trip CancellationTrip Interruption

Travel AD&D

Baggage Loss

Baggage Delay

Emergency Medical

Emergency DentalEmergency Evacuation/ Repatriation

Repatriation of Remains

Common Carrier AD&D - Air

Trip Delay

Excess/Primary

Maximum Age

Maximum Trip Length

$1,000

$1,000

$25,000

$750 $750 $750

$25,000 $25,000

$25,000 $25,000 $25,000

$500 $500 $500

$50,000 $50,000 $50,000

$10,000 $10,000 $10,000

$50,000 $50,000 $50,000

Primary Primary Primary

90 years old 90 years old 90 years old

60 days 60 days 60 days

$2,500

$2,500 $5,000

$5,000

$100/day, $500 max

$100/day, $500 max

$100/day, $500 max

$100/day, $200 max

$100/day, $200 max

$100/day, $200 max

877-344-1689 • www.axaaddedbenefits.comOctober 27–November 14, 2014

A Comprehensive Legal Plan Covering All Phases of Life

UltimateAdvisor® from ARAG® offers legal resources, services, and representation to help you plan for, protect against, and resolve legal issues. A dispute with a contractor. A sudden illness. Situations like these can happen to anyone, and UltimateAdvisor can help you resolve legal events — both planned and unplanned — at any time in your life.

UltimateAdvisor helps you save time looking for the right attorney and avoid paying high-cost attorney fees, which average $323 an hour.* Whether you want to plan for the future, research your legal matter, or need advice or representation to resolve your legal issue, UltimateAdvisor can help.

When you enroll in UltimateAdvisor, you’ll have access to a nationwide network of attorneys and other valuable resources to help you prevent and resolve unexpected legal matters.

Here are some of the benefits the plan offers:

• A full range of attorney services for covered legal matters:

° Wills, living wills, and trusts

° Adoption

° Divorce

° Sale of primary residence

° Juvenile matters

° Dozens more

• A Legal Hotline: You’ll receive legal advice from Network Attorneys who can help you better understand most general legal issues and how to address them.

• An online Education Center which includes: DIY Docs®, a Law Guide, guidebooks and videos, LawExpresso® newsletter, a legal glossary, the Personal Information Organizer, and legacy planning tools.

To obtain more information about this program, please visit the Legal Insurance section at www.axaaddedbenefits.com.

$18.00 per monthAlso covers

eligible dependents!

* Average attorney rates in the United States of $323 per hour for attorneys with 11 to 15 years of experience; Survey of Law Firm Economics, The National Law Journal and ALM Legal Intelligence, July 2014.

Limitations and exclusions apply. Insurance products are underwritten by ARAG Insurance Company of Des Moines, Iowa, GuideOne® Mutual Insurance Company of West Des Moines, Iowa, or GuideOne Specialty Mutual Insurance Company of West Des Moines, Iowa. Service products are provided by ARAG Services, LLC. This material is for illustrative purposes only and is not a contract. For terms, benefits or exclusions, call 800-247-4184.

877-344-1689 • www.axaaddedbenefits.comOctober 27–November 14, 2014

Group Legal Services Program

Action Required!Enroll to obtain new legal coverage. If you are currently enrolled from 2014, your coverage will automatically renew unless you cancel it.October 27–November 14, 2014

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† VPI benefit schedules identify the amount that is available for exam fees, diagnostics,

medications, surgeries, and other treatments. The benefit schedule is also available online at petinsurance.com.

Insurance plans are offered and administered by Veterinary Pet Insurance Company in California and DVM Insurance Agency in all other states. Underwritten by Veterinary Pet Insurance Company (CA), Brea, CA, an A.M. Best A rated company (2012); National Casualty Company (all other states), Madison, WI, an A.M. Best A+ rated company (2012). ©2014 Veterinary Pet Insurance Company. Veterinary Pet Insurance and the VPI logo are service marks of Veterinary Pet Insurance Company. Nationwide Insurance is a registered trademark of Nationwide Mutual Insurance Company.

Protect Your Other “Family” Members with Veterinary Pet Insurance

Pets are unpredictable. Although you can’t prevent accidents and illnesses, Veterinary Pet Insurance (VPISM) makes it easier to be prepared for them. From wellness care to significant medical problems, VPI is the smart way to protect your pet’s health — and your pocketbook, too.

Save with Special DiscountsYou are eligible to receive a special discount on your pet’s insurance policy. And you can save even more — up to 15% on your premiums — if you enroll multiple pets.

Enjoy Peace of MindVPI provides benefits for veterinary treatments related to accidents and illnesses, including cancer. Medical policies cover diagnostic tests, X-rays, prescriptions, surgeries, hospitalizations, and more. Optional CareGuard® wellness coverage is available for preventive care.

Choose Any VetCoverage from VPI travels with you, wherever you go. You’re free to visit any veterinarian worldwide — even specialists or emergency providers.

How VPI WorksVisit www.axaaddedbenefits.com to get a quote and to enroll your pet for coverage with VPI. All pets are individually underwritten.†

Pet Insurance

877-344-1689 • www.axaaddedbenefits.com

You can apply for coverage at any time.

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Identity Theft Protection and Resolution

InfoArmor’s Identity Monitoring Just Got Better; New and Improved PrivacyArmor with Credit Monitoring, Report, and Scores! Don’t have an identity crisis. Imagine someone getting a job, leasing a car, or seeking medical care in your name. Every day, thousands of people discover that this has already happened to them or their family members. Identity theft is the fastest growing crime in America, affecting millions of Americans each year. Now it’s more important than ever to take action to protect yourself and your family. InfoArmor® offers PrivacyArmor identity theft protection at discounted monthly rates. InfoArmor’s PrivacyArmor benefits include:

• Identity monitoring to proactively detect and predict threats • Credit monitoring, monthly credit scores, and an annual

credit report free of charge • Full-service Privacy Advocate identity restoration • Reduction in junk mail and telemarketing calls • IdentityMD to provide ID theft tips, tools, and resources • $25,000 identity fraud reimbursement policy • WalletArmor

InfoArmor proactively protects against the broad array of identity theft, in addition to credit monitoring. Their Identity Monitoring detects more fraud sooner, including application data, compromised credentials, and High Risk Transactions such as unauthorized account access, fund transfers, and password resets. WalletArmor proactively saves and quickly replaces contents of a lost wallet, critical documents, and passwords. By detecting fraud at the source, they can minimize damages and better protect you.



Credit is one important component in protecting your identity. It is also one of the most visible and most damaging financially if it is fraudulently impacted. Now included free of charge with PrivacyArmor is access to free credit monitoring, a monthly credit score, and a credit report each year. InfoArmor continuously monitors your credit profile to generate alerts whenever new accounts are opened allowing you to identify issues early to minimize damages. You will also be able to see your credit report once each year and your credit score every month. This allows you to closely review your report for significant changes or anything suspicious like accounts that you didn’t open, unusually high spending, or unexplained dips in your score all from one place.

You: $7.95 per monthYou & Family: $13.95 per month (up to 4 dependents)

Cost

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Long-Term Care Insurance



What Is Long-Term Care Insurance?

Long-term care insurance helps pay for the care people need when they are unable to take care of themselves because of an injury, chronic illness, or for any other reason. Covered services range from basic assistance at home with daily activities like bathing or dressing to full-time care in an assisted living center, nursing home, or other facility. Medical plans and other employee benefits typically do not provide sufficiently for long-term care services.

Scope of ServicesA CNA policy covers nursing home care at up to 100% of the daily benefit amount you elect and home care at up to 50% of the daily benefit amount you elect. Hospice (home or facility), adult day care, and adult foster care expenses are covered as well.

For More Information and to Apply: Visit www.axaaddedbenefits.com for more information about cost, rates, other important information, and to enroll.

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Choose your own insurance solution.Added Benefits® wants to help you save on your auto and home** insurance. When you purchase auto and/or home insurance through the Added Benefits® Auto and Home Program, you’ll receive competitive rates, as well as the convenience of paying premiums through payroll deduction. Call 877-344-1689 or visit www.axaaddedbenefits.com to find out more about:

• Easy comparison shopping from Liberty Mutual®, MetLife Auto & Home, and Travelers

• Free, no-obligation quotes on auto and home insurance, renters, boaters, and motorcycle insurance policies

• Three easy payment options: payroll deduction, Electronic Funds Transfer (EFT), or direct billing

• 24-hour, 7-day-a-week claims service

Comparative RaterCompare premiums from all three carriers with the Added Benefits® Comparative Rater – a fast, simple way to get your auto insurance quotes. This web-based tool is built right into www.axaaddedbenefits.com and:

• Delivers your quote within 5-10 minutes***

• Allows you to get quotes any time, day or night• Lets you return and complete your quote any time,

even if you log off• Offers free, no-obligation quotes

Auto and Home Program


SIX Quick Tips to Lower Your Auto and Home Insurance Costs:

1. Shop aroundPrices vary from company to company. Don’t shop price alone. Compare coverages and ask your friends and relatives for their recommendations.

2. Before you buy, compare insurance costsAuto insurance premiums are based on the cost of car repair, driver’s driving record, and the likelihood of theft. Many insurers offer discounts for features that reduce the risk of theft. For more information, visit www.iihs.org.

3. Seek out other discountsCompanies offer auto insurance discounts to you if you haven’t had any accidents or moving violations for a certain number of years or if you insure more than one vehicle. If there’s a young driver on your policy who’s a good student, you may also qualify for a discount.

4. Consider new home costsConsider how much insuring your new home will cost. A newer built home’s electrical, heating and plumbing systems, and overall structure are more likely to be in better shape than those of an older home. Insurers may offer you a discount if the home you purchase is relatively new.

5. Insure your house, not the landThe land under your home isn’t at risk from theft, windstorm, fire, or other perils covered in your homeowners policy. Don’t include that value in deciding how much homeowners insurance to buy.

6. Improve your home security Often, you can get discounts for smoke detectors, burglar alarms, or deadbolt locks. Before you buy a security system, find out what kind your insurer recommends and how much you could save on your insurance premiums.

** Home Insurance is not part of MetLife Auto & Home’s offering in MA, CA, and FL. Homeowner’s insurance is not currently part of Traveler’s new business offering in Florida.

*** In most instances, quotes are returned in approximately 5-10 minutes using the Comparative Rater. In some cases, a carrier may choose not to provide a quote, or in certain circumstances, carrier responses could take up to 24 hours.

Coverage provided by and underwritten by Liberty Mutual® Insurance Company and its affiliates, 175 Berkeley Street, Boston, MA. A consumer report from a consumer reporting agency and/or motor vehicle report, on all drivers listed on your policy, may be obtained where state laws and regulations allow. Discounts and savings are available where state laws and regulations allow and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. ©2014 Liberty Mutual Insurance Company. All rights reserved.

MetLife Auto & Home is a brand of Metropolitan Property and Casualty Insurance Company and its affiliates: Economy Preferred Insurance Company. Metropolitan Casualty Insurance Company, Metropolitan Direct Property and Casualty Insurance Company, Metropolitan General Insurance Company, Metropolitan Group Property and Casualty Insurance Company, and Metropolitan Lloyds Insurance Company of Texas, all with administrative home offices in Warwick, RI. Coverage, rates, and discounts are available in most states to those who qualify. Met P&C®, MetCasSM, and MetGenSM are licensed in the state of MN.

Insurance is underwritten by The Travelers Indemnity Company or one of its property casualty affiliates, One Tower Square, Hartford, CT 06183. In FL: Homeowners insurance is not currently offered for new business. In MA: Auto policies are underwritten by The Premier Insurance Company of Massachusetts, One Cabot Road, Suite 280, Hudson, MA 01749, a single-state subsidiary of The Travelers Indemnity Company. Insurance offered through Premier is not guaranteed by The Travelers Indemnity Company or any other Travelers company. In TX: Auto insurance is offered by Travelers Texas MGA, Inc. and underwritten by Consumers County Mutual Insurance Company (CCM). CCM is not a Travelers company. Coverages, discounts, special program rates or savings, billing options, and other features are subject to availability and individual eligibility. Not all features available in all areas. © 2014 The Travelers Indemnity Company. All rights reserved. Travelers and the Travelers Umbrella logo are registered trademarks of The Travelers Indemnity Company in the U.S. and other countries.

The carriers represented in this brochure operate independently and are not responsible for each other’s financial obligations. IMS#147582


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voluntary benefits enrollment for axa equitable professionals

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