Separate Acct No 49 of Axa Equitable Life Insurance Co, et al. – ‘485APOS’ on 7/22/14

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Document/Exhibit                   Description                      Pages   Size 

 1: 485APOS     Separate Account No. 49                               43±   197K 
 4: COVER     ¶ Comment-Response or Cover Letter to the SEC         HTML      8K 
 3: EX-99.(10)(B)  Powers of Attorney                               HTML    195K 
 2: EX-99.(9)   Opinion and Consent of Counsel                      HTML     10K 

‘485APOS’   —   Separate Account No. 49
Document Table of Contents

485APOS
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                                                    REGISTRATION NO. 333-64749
                                                    REGISTRATION NO. 811-07659
================================================================================

SECURITIES AND EXCHANGE COMMISSION  
WASHINGTON, D.C. 20549  

----------------- 

FORM N-4  
REGISTRATION STATEMENT  
UNDER 
                THE SECURITIES ACT OF 1933                   [_]
                Pre-Effective Amendment No.                  [_]
              Post-Effective Amendment No. 67                [X]
AND/OR  
REGISTRATION STATEMENT  
UNDER 
             THE INVESTMENT COMPANY ACT OF 1940              [_]
                     Amendment No. 332                       [X]
(Check appropriate box or boxes)  

----------------- 

SEPARATE ACCOUNT NO. 49 
OF  
AXA EQUITABLE LIFE INSURANCE COMPANY  
(Exact Name of Registrant)  

----------------- 

AXA EQUITABLE LIFE INSURANCE COMPANY  
(Name of Depositor) 

1290 Avenue of the Americas, New York, New York 10104 
(Address of Depositor's Principal Executive Offices)  

Depositor's Telephone Number, including Area Code: (212) 554-1234 

----------------- 

DODIE KENT  
VICE PRESIDENT AND ASSOCIATE GENERAL COUNSEL  
AXA Equitable Life Insurance Company  
1290 Avenue of the Americas, New York, New York 10104 
(Name and Address of Agent for Service) 

----------------- 

Please send copies of all communications to:  

CHRISTOPHER E. PALMER, ESQ. 
Goodwin Procter LLP 
901 New York Avenue, N.W. 
Washington, D.C. 20001  

----------------- 

Approximate Date of Proposed Public Offering: Continuous.                       

It is proposed that this filing will become effective (check appropriate box):  
[_]Immediately upon filing pursuant to paragraph (b) of Rule 485  
[_]On (date) pursuant to paragraph (b) of Rule 485.               
[X]60 days after filing pursuant to paragraph (a)(1) of Rule 485. 
[_]On (date) pursuant to paragraph (a)(1) of Rule 485.            

If appropriate, check the following box:                                        
  [_]This post-effective amendment designates a new effective date for
previously filed post-effective amendment.                  

Title of Securities Being Registered:                                           

Units of interest in Separate Account under variable annuity contracts.   

================================================================================

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NOTE  

This Post-Effective Amendment No. 67 ("PEA") to the Form N-4 Registration       
Statement No. 333-64749 ("Registration Statement") of AXA Equitable Life        
Insurance Company ("AXA Equitable") and its Separate Account No. 49 is being    
filed for the purpose of including in the Registration Statement the            
additions/modifications reflected in the Lump Sum Payment Option Supplement.    
Part C has also been updated pursuant to the requirements of Form N-4. The PEA  
does not amend any other part of the Registration Statement except as           
specifically noted herein.                                                      

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AXA Equitable Life Insurance Company                                            

SUPPLEMENT DATED SEPTEMBER __, 2014 TO CURRENT PROSPECTUSES DATED MAY 1, 2014   
FOR                                                                             

..   ACCUMULATOR(R)                                                             
..   ACCUMULATOR(R) ELITE                                                       
..   ACCUMULATOR(R) PLUS                                                        
..   ACCUMULATOR(R) SELECT                                                      
..   ACCUMULATOR(R) SERIES                                                      

--------------------------------------------------------------------------------

This Supplement updates certain information in the most recent prospectuses and 
statements of additional information dated May 1, 2014 (collectively the        
"Prospectus") you received. You should read this Supplement in conjunction with 
the Prospectus and retain it for future reference. Unless otherwise indicated,  
all other information included in the Prospectus remains unchanged and the      
Prospectus is hereby incorporated by reference. The terms and section headings  
we use in this Supplement have the same meaning as in the Prospectus. We will   
send you another copy of any prospectus or supplement without charge upon       
request. Please contact the customer service group referenced in the Prospectus.

This Supplement describes a "new" lump sum payment option ("Guaranteed Benefit  
Lump Sum Payment"), which is currently available under limited circumstances,   
as an alternative to receiving periodic cash payments over your lifetime under  
the Guaranteed minimum income benefit option or taking certain guaranteed       
withdrawals and keeping a guaranteed death benefit under the Guaranteed         
withdrawal benefit for life option. PLEASE BE ADVISED THAT ELECTING THE         
GUARANTEED BENEFIT LUMP SUM PAYMENT IS COMPLETELY VOLUNTARY AND YOU ARE NOT     
REQUIRED TAKE ANY ACTION AT THIS TIME UNDER YOUR CONTRACT.                      

1. The following is added after the last paragraph under "Guaranteed benefit    
offers" in "Contracts features and benefits":                             

GUARANTEED BENEFIT LUMP SUM PAYMENT OPTION                                      

The Guaranteed Benefit Lump Sum Payment option is currently available under the 
following limited circumstances.                                                

(1)If you elected a Guaranteed minimum income benefit ("GMIB"), and the   
 no-lapse guarantee is in effect and your account value falls to zero,
   either due to a withdrawal that is not an Excess withdrawal or due to a
deduction of charges;                                               

or  

(2)If you elected a Guaranteed withdrawal benefit for life ("GWBL") or    
    elected a GMIB that converted to a GWBL, and your account value falls to
zero, either due to a withdrawal or surrender that is not an Excess 
withdrawal or due to a deduction of charges.                        

We reserve the right to terminate the availability of this option at any time.  
This option is not available under Rollover TSA contracts.                      

If your account value falls to zero, as described above, we will send you a     
letter describing the options available to you, including the Guaranteed        
Benefit Lump Sum Payment option to make your election. You will have no less    
than 30 days from the day your account value falls to zero to elect an option.  
If you elect the Guaranteed Benefit Lump Sum Payment option, you will receive   
the lump sum amount in a single payment.                                        

If you elect the Guaranteed Benefit Lump Sum Payment, your contract and         
optional benefits will terminate. If you do not make an election, we will       
automatically exercise your GMIB by issuing a supplementary annuity contract    
using the default option described in your contract. In the case of the GWBL,   
we will issue you a supplemental life annuity contract and any of the           
applicable benefits will continue.                                              

We will determine the Guaranteed Benefit Lump Sum Payment amount as of the day  
your account value fell to zero. The amount of a Guaranteed Benefit Lump Sum    
Payment will vary based on the factors described below.                         

We first determine the contract reserves attributable to your contract using    
standard actuarial calculations. In general, the contract reserve is the        
present value of future benefit payments. In determining your contract reserve, 
we take into account the following factors:                                     

.   The owner/annuitant's life expectancy (based on gender and age);        

.   The current annual payment in the form of a single life annuity;        

.   The interest rate at the time your account value fell to zero; and      

.   Any remaining guaranteed minimum death benefit under the GWBL feature.  

The Guaranteed Benefit Lump Sum Payment is calculated based on a percentage of  
the computed contract reserve. We will use the percentage that is in effect at  
the time of your election. The percentage will range from 50% to 90% of the     
contract reserve. If your account value falls to zero, as described above, we   
will notify you then of the current percentage when we send you the letter      
describing the options available to you. Your payment will be reduced, as       
applicable, by any remaining annual payments under a Customized payment plan or 
Maximum payment plan and any outstanding withdrawal charge.                     

IM-05-14 (7/14)                           
                  559253                             Catalog No. 153056 (7/14)
Accumulator 6, 7, 8, 9                    
                  (Inforce)                                            #760037

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In the event your account falls to zero, as described above, you should         
evaluate this payment option carefully. If you elect the Guaranteed Benefit     
Lump Sum Payment option, you would no longer have the ability to receive        
periodic cash payments over your lifetime under the GMIB and/or the opportunity 
to take certain guaranteed withdrawals and keep any level of guaranteed death   
benefit under the GWBL. When you purchased your contract you made a             
determination that the income stream available under the GMIB or the GWBL was   
important to you based on your personal circumstances. When considering this    
payment option, you should consider whether you still need the benefits of an   
ongoing income stream, given your personal and financial circumstances.         

In addition, you should consider the following factors:                         

.   Whether, given your state of health, you believe you are likely to live 
 to enjoy the future income benefits provided by the GMIB or the GWBL;

.   If you have the GWBL, whether it is important for you to leave a minimum
death benefit to your beneficiaries; and                            

.   Whether a lump sum payment is more important to you than a future stream
of payments.                                                        

In considering the factors above, and any other factors you believe are         
relevant, you may wish to consult with your financial professional or other     
advisor.                                                                        

We believe that offering this payment option could be mutually beneficial to    
both us and to contract owners whose financial circumstances may have changed   
since they purchased the contract. If you elect the Guaranteed Benefit Lump Sum 
Payment option, you would benefit since you would immediately receive a lump    
sum payment rather than a stream of future payments over your lifetime. We      
would gain a financial benefit because we anticipate that providing a lump sum  
payment to you will be less costly to us than paying you periodic cash payments 
during your lifetime.                                                           

If you elect the Guaranteed Benefit Lump Sum Payment option it will be treated  
as a surrender of the contract and may be taxable. For information on tax       
consequences, please see the section entitled "Tax information" in the          
Prospectus.                                                                     

This payment option may not be available in all states. We may, in the future,  
suspend or terminate this payment option, or offer this payment option on more  
or less favorable terms upon advance notice to you.                             

Accumulator(R) is issued by and is a registered service mark of AXA Equitable 
Life Insurance Company. 

Co-distributed by affiliates AXA Advisors, LLC and AXA Distributors, LLC. 1290  
Avenue of the Americas, New York, NY 10104. 

Copyright 2014 AXA Equitable Life Insurance Company. All rights reserved. 

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

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AXA Equitable Life Insurance Company                                            

SUPPLEMENT DATED SEPTEMBER __, 2014 TO CURRENT PROSPECTUSES DATED MAY 1, 2014   
FOR                                                                             

..   ACCUMULATOR(R)                                                             
..   ACCUMULATOR(R) ELITE                                                       
..   ACCUMULATOR(R) PLUS                                                        
..   ACCUMULATOR SELECT                                                         

--------------------------------------------------------------------------------

This Supplement updates certain information in the most recent prospectuses and 
statements of additional information dated May 1, 2014 (collectively the        
"Prospectus") you received. You should read this Supplement in conjunction with 
the Prospectus and retain it for future reference. Unless otherwise indicated,  
all other information included in the Prospectus remains unchanged and the      
Prospectus is hereby incorporated by reference. The terms and section headings  
we use in this Supplement have the same meaning as in the Prospectus. We will   
send you another copy of any prospectus or supplement without charge upon       
request. Please contact the customer service group referenced in the Prospectus.

This Supplement describes a "new" lump sum payment option ("Guaranteed Benefit  
Lump Sum Payment"), which is currently available under limited circumstances,   
as an alternative to receiving periodic cash payments over your lifetime under  
the Guaranteed minimum income benefit option. PLEASE BE ADVISED THAT ELECTING   
THE GUARANTEED BENEFIT LUMP SUM PAYMENT IS COMPLETELY VOLUNTARY AND YOU ARE NOT 
REQUIRED TAKE ANY ACTION AT THIS TIME UNDER YOUR CONTRACT.                      

1. The following is added after the last paragraph under "Guaranteed benefit    
offers" in "Contracts features and benefits":                             

GUARANTEED BENEFIT LUMP SUM PAYMENT OPTION                                      

The Guaranteed Benefit Lump Sum Payment option is currently available under     
limited circumstances. It is available to you if you elected a Guaranteed       
minimum income benefit ("GMIB"), and the no-lapse guarantee is in effect and    
your account value falls to zero, either due to a withdrawal that is not an     
Excess withdrawal or due to a deduction of charges.                             

We reserve the right to terminate the availability of this option at any time.  
This option is not available under Rollover TSA contracts.                      

If your account value falls to zero, as described above, we will send you a     
letter describing the options available to you, including the Guaranteed        
Benefit Lump Sum Payment option to make your election. You will have no less    
than 30 days from the day your account value falls to zero to elect an option.  
If you elect the Guaranteed Benefit Lump Sum Payment option, you will receive   
the lump sum amount in a single payment.                                        

If you elect the Guaranteed Benefit Lump Sum Payment, your contract and         
optional benefits will terminate. If you do not make an election, we will       
automatically exercise your GMIB by issuing a supplementary annuity contract    
using the default option described in your contract.                            

We will determine the Guaranteed Benefit Lump Sum Payment amount as of the day  
your account value fell to zero. The amount of a Guaranteed Benefit Lump Sum    
Payment will vary based on the factors described below.                         

We first determine the contract reserves attributable to your contract using    
standard actuarial calculations. In general, the contract reserve is the        
present value of future benefit payments. In determining your contract reserve, 
we take into account the following factors:                                     

.   The owner/annuitant's life expectancy (based on gender and age);        

.   The current annual payment in the form of a single life annuity; and    

.   The interest rate at the time your account value fell to zero.          

The Guaranteed Benefit Lump Sum Payment is calculated based on a percentage of  
the computed contract reserve. We will use the percentage that is in effect at  
the time of your election. The percentage will range from 50% to 90% of the     
contract reserve. If your account value falls to zero, as described above, we   
will notify you then of the current percentage when we send you the letter      
describing the options available to you. Your payment will be reduced, as       
applicable, by any remaining annual payments under a Customized payment plan or 
Maximum payment plan and any outstanding withdrawal charge.                     

In the event your account falls to zero, as described above, you should         
evaluate this payment option carefully. If you elect the Guaranteed Benefit     
Lump Sum Payment option, you would no longer have the ability to receive        
periodic cash payments over your lifetime under the GMIB. When you purchased    
your contract you made a determination that the income stream available under   
the GMIB was important to you based on your personal circumstances. When        
considering this payment option, you should consider whether you still need the 
benefits of an ongoing income stream, given your personal and financial         
circumstances.                                                                  

In addition, you should consider the following factors:                         

.   Whether, given your state of health, you believe you are likely to live 
to enjoy the future income benefits provided by the GMIB; and       

.   Whether a lump sum payment is more important to you than a future stream
of payments.                                                        

IM-06-14 (7/14)                           
                  561343                             Catalog No. 153057 (7/14)
                  Accumulator '04 (Inforce)                            #759893

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In considering the factors above, and any other factors you believe are         
relevant, you may wish to consult with your financial professional or other     
advisor.                                                                        

We believe that offering this payment option could be mutually beneficial to    
both us and to contract owners whose financial circumstances may have changed   
since they purchased the contract. If you elect the Guaranteed Benefit Lump Sum 
Payment option, you would benefit since you would immediately receive a lump    
sum payment rather than a stream of future payments over your lifetime. We      
would gain a financial benefit because we anticipate that providing a lump sum  
payment to you will be less costly to us than paying you periodic cash payments 
during your lifetime.                                                           

If you elect the Guaranteed Benefit Lump Sum Payment option it will be treated  
as a surrender of the contract and may be taxable. For information on tax       
consequences, please see the section entitled "Tax information" in the          
Prospectus.                                                                     

This payment option may not be available in all states. We may, in the future,  
suspend or terminate this payment option, or offer this payment option on more  
or less favorable terms upon advance notice to you.                             

Accumulator(R) is issued by and is a registered service mark of AXA Equitable 
Life Insurance Company. 

Co-distributed by affiliates AXA Advisors, LLC and AXA Distributors, LLC. 1290  
Avenue of the Americas, New York, NY 10104. 

Copyright 2014 AXA Equitable Life Insurance Company. All rights reserved. 

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

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PART C  

OTHER INFORMATION 

Item 24.  Financial Statements and Exhibits.                                    

        (a) The following Financial Statements are included in Part B of the
Registration Statement:                             

            The financial statements of AXA Equitable Life Insurance Company
and Separate Account No. 49 and the Statement of Additional 
Information to be filed by Amendment.                       

(b) Exhibits.                                               

            The following exhibits correspond to those required by paragraph
(b) of item 24 as to exhibits in Form N-4:          

         1.  Resolutions of the Board of Directors of Equitable Life Assurance
      Society of the United States ("Equitable") authorizing the
             establishment of the Registrant, incorporated herein by reference
         to exhibit (1) to the Registration Statement No. 333-05593 on
June 10, 1996.                                      

2.  Not applicable.                                         

         3.  (a)           Distribution Agreement, dated as of January 1, 1998
                           by and between The Equitable Life Assurance Society
                           of the United States for itself and as depositor on
                          behalf of the Equitable Life separate accounts and
                         Equitable Distributors, Inc., incorporated herein
                           by reference to the Registration Statement filed on
                        Form N-4 (File No. 333-64749) filed on August 5,
2011.                   

            (a)(i)        First Amendment dated as of January 1, 2001 to the
                          Distribution Agreement dated as of January 1, 1998
                           between The Equitable Life Assurance Society of the
                           United States for itself and as depositor on behalf
                   of the Equitable Life separate accounts and
                         Equitable Distributors, Inc., incorporated herein
                           by reference to the Registration Statement filed on
                          Form N-4 (File No. 333-127445) filed on August 11,
2005.                   

             (a)(ii)       Second Amendment dated as of January 1, 2012 to the
                          Distribution Agreement dated as of January 1, 1998
                        between AXA Equitable Life Insurance Company and
                   AXA Distributors LLC incorporated herein by
                        reference to the Registration Statement filed on
              Form N-4 (File No. 333-05593) filed on
April 24, 2012.         

    (b)           Distribution Agreement for services by The
                      Equitable Life Assurance Society of the United
                       States to AXA Network, LLC and its subsidiaries
                        dated January 1, 2000 previously filed with this
                      Registration Statement (File No. 333-64749) on
April 19, 2001.         

           (c)           Transition Agreement for services by AXA Network,
                      LLC and its subsidiaries to The Equitable Life
                    Assurance Society of the United States dated
                  January 1, 2000 previously filed with this
                      Registration Statement (File No. 333-64749) on
April 19, 2001.         

        (d)           General Agent Sales Agreement dated January 1,
                          2000, between The Equitable Life Assurance Society
                         of the United States and AXA Network, LLC and its
                        subsidiaries, previously filed with Registration
                           Statement (File No. 2-30070) on April 19, 2004, and
         incorporated herein by reference.

        (d)(i)        First Amendment dated as of January 1, 2003 to
                      General Agent Sales Agreement dated January 1,
                          2000, between The Equitable Life Assurance Society
                         of the United States and AXA Network, LLC and its
                         subsidiaries, incorporated herein by reference to
                Registration Statement on Form N-4 (File
         No. 333-05593) on April 24, 2012.

         (d)(ii)       Second Amendment dated as of January 1, 2004 to
                      General Agent Sales Agreement dated January 1,
                          2000, between The Equitable Life Assurance Society
                         of the United States and AXA Network, LLC and its
                        subsidiaries incorporated herein by reference to
          Registration Statement on Form N-4
              (File No.333-05593) on April 24, 2012.

      (d)(iii)      Third Amendment dated as of July 19, 2004 to
                 General Agent Sales Agreement dated as of
                         January 1, 2000 by and between The Equitable Life
                      Assurance Society of the United States and AXA
                      Network, LLC and its subsidiaries incorporated
                        herein by reference to Registration Statement on
                           Form N-4 (File No. 333-127445), filed on August 11,
2005.                   

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          (d)(iv)       Fourth Amendment dated as of November 1, 2004 to
                 General Agent Sales Agreement dated as of
                         January 1, 2000 by and between The Equitable Life
                      Assurance Society of the United States and AXA
                      Network, LLC and its subsidiaries incorporated
                        herein by reference to Registration Statement on
                           Form N-4 (File No. 333-127445), filed on August 11,
2005.                   

          (d)(v)        Fifth Amendment dated as of November 1, 2006, to
                 General Agent Sales Agreement dated as of
                         January 1, 2000 by and between The Equitable Life
                      Assurance Society of the United States and AXA
                      Network, LLC and its subsidiaries incorporated
                        herein by reference to Registration Statement on
               Form N-4 (File No. 333-05593), filed on
April 24, 2012.         

           (d)(vi)       Sixth Amendment dated as of February 15, 2008, to
                 General Agent Sales Agreement dated as of
                         January 1, 2000 by and between AXA Equitable Life
                          Insurance Company (formerly known as The Equitable
                        Life Assurance Society of the United States) and
                           AXA Network, LLC and its subsidiaries, incorporated
                        herein by reference to Registration Statement on
                         Form N-4 (File No. 333-05593), filed on April 24,
2012.                   

             (d)(vii)      Seventh Amendment dated as of February 15, 2008, to
                 General Agent Sales Agreement dated as of
                         January 1, 2000 by and between AXA Equitable Life
                          Insurance Company (formerly known as The Equitable
                        Life Assurance Society of the United States) and
                           AXA Network, LLC and its subsidiaries, incorporated
                        herein by reference to Registration Statement on
                          Form N-4 (File No. 2-30070) to Exhibit 3(r), filed
on April 20, 2009.      

           (d)(viii)     Eighth Amendment dated as of November 1, 2008, to
                 General Agent Sales Agreement dated as of
                         January 1, 2000 by and between AXA Equitable Life
                          Insurance Company (formerly known as The Equitable
                        Life Assurance Society of the United States) and
                           AXA Network, LLC and its subsidiaries, incorporated
                        herein by reference to Registration Statement on
                          Form N-4 (File No. 2-30070) to Exhibit 3(s), filed
on April 20, 2009.      

         (d)(ix)       Ninth Amendment dated as of November 1, 2011 to
                         General Agent Sales Agreement dated as of January
                         1, 2000 by and between AXA Life Insurance Company
                       (formerly known as The Equitable Life Assurance
                          Society of the United States) and AXA Network, LLC
                   and its subsidiaries incorporated herein by
                        reference to the Registration Statement filed on
                        Form N-4 (File No. 333-05593) filed on April 24,
2012.                   

         (e)           Form of Brokerage General Agent Sales Agreement
                        with Schedule and Amendment to Brokerage General
                      Agent Sales Agreement among [Brokerage General
                          Agent] and AXA Distributors, LLC, AXA Distributors
                         Insurance Agency, LLC, AXA Distributors Insurance
                    Agency of Alabama, LLC, and AXA Distributors
               Insurance Agency of Massachusetts, LLC,
                       incorporated herein by reference to Exhibit No.
                 3.(i) to Registration Statement (File No.
                        333-05593) on Form N-4, filed on April 20, 2005.

         (f)           Form of Wholesale Broker-Dealer Supervisory and
                     Sales Agreement among [Broker-Dealer] and AXA
                           Distributors, LLC, incorporated herein by reference
                      to Exhibit No. 3.(j) to Registration Statement
                        (File No. 333-05593) on Form N-4, filed on April
20, 2005.               

C-2 

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   4.  (a)           Form of group annuity contract no. 1050-94IC,
                           incorporated herein by reference to Exhibit 4(a) to
                        the Registration Statement on Form N-4 (File No.
           33-83750), filed February 27, 1998.

           (b)           Forms of group annuity certificate nos. 94ICA and
                          94ICB, incorporated herein by reference to Exhibit
                      4(b) to the Registration Statement on Form N-4
                     (File No. 33-83750), filed February 27, 1998.

     (c)           Forms of data pages for Accumulator-IRA and
                           Accumulator-NQ, incorporated herein by reference to
                  Exhibit 4(m) to Registration Statement No.
          333-05593 filed December 31, 1997.

C-3 

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         (d)           Forms of endorsement nos. 94ENIRAI, 94ENNQI and
                         94ENMVAI to contract no. 1050-94IC and data pages
                          nos. 94ICA/BIM and 94ICA/BMVA, incorporated herein
                        by reference to Exhibit 4(c) to the Registration
                        Statement on Form N-4 (File No. 33-83750), filed
February 27, 1998.      

   (e)           Form of Guaranteed Minimum Income Benefit
                           Endorsement to Contract Form No. 10-50-94IC and the
                     Certificates under the Contract, incorporated
                  herein by reference to Exhibit 4(h) to the
                Registration Statement on Form N-4 (File
            No. 33-83750), filed April 23, 1996.

            (f)           Form of endorsement No. 98ENJONQI to Contract Form
                    No. 1050-94IC and the Certificates under the
                     Contract, incorporated herein by reference to
              Exhibit 4(n) to Registration Statement
              No. 333-05593 filed December 31, 1997.

         (g)           Form of endorsement No. 98Roth to Contract Form
                    No. 1050-94IC and the Certificates under the
                     Contract, incorporated herein by reference to
              Exhibit 4(o) to Registration Statement
              No. 333-05593 filed December 31, 1997.

          (h)           Form of Custodial Owned Roth IRA endorsement no.
                        98COROTH to Contract No. 1050-94IC, incorporated
                           herein by reference to Exhibit 4(p) to Registration
                   Statement No. 333-05593, filed May 1, 1998.

           (i)           Form of Defined Benefit endorsement no. 98ENDBQPI
                         to Contract No. 1050-94IC, incorporated herein by
                     reference to Exhibit 4(j) to the Registration
                         Statement on Form N-4 (File No. 333-31131), filed
May 1, 1998.            

      (j)           Form of endorsement for Extra Credit Annuity
                       No. 98ECENDI and Data Pages 94ICA/B, previously
                   filed with this Registration Statement File
            No. 333-64749 on September 30, 1998.

   (k)           Form of endorsement applicable to Defined
                    Contribution Qualified Plan Certificates No.
                        97ENQPI and Data Pages 94ICA/B, previously filed
                           with this Registration Statement File No. 333-64749
on September 30, 1998.  

           (l)           Form of data pages for Equitable Accumulator plus
                    TSA, previously filed with this Registration
                           Statement, File No. 333-64749 on Form N-4, filed on
December 28, 1999.      

             (m)           Form of Endorsement applicable to TSA Certificates,
                        incorporated by reference to Exhibit No. 4(t) to
                         Registration Statement File No. 333-05593 on Form
N-4, filed May 22, 1998.

          (n)           Form of endorsement for Beneficiary Continuation
                         Option Form No. 2000 ENIRAI-IM, applicable to IRA
                Certificates, previously filed with this
                    Registration Statement File No. 333-05593 on
April 25, 2000.         

    (o)           Form of Endorsement applicable to Roth IRA
                         Contracts, Form No. 1M-ROTHBCO-1 previously filed
                           with this Registration Statement File No. 333-64749
on April 25, 2001.      

       (p)           Revised Form of Endorsement applicable to IRA
                       certificates, Form No. 2000ENIRAI-IM previously
                   filed with this Registration Statement File
        No. 333-64749 on April 25, 2001.

         (q)           Form of Endorsement applicable to Non-Qualified
                       Certificates Form No. 99ENNQ-G previously filed
                           with this Registration Statement File No. 333-64749
on April 25, 2001.      

           (r)           Form of Endorsement applicable to credits applied
                           to annuity account value previously filed with this
                    Registration Statement File No. 333-64749 on
April 25, 2001.         

             (s)           Form of Optional Death Benefit Rider, Form No. 2000
                    PPDB previously filed with this Registration
                       Statement File No. 333-64749 on April 25, 2001.

           (t)           Form of data pages for Equitable Accumulator Plus
                       Rollover IRA (revised), Roth Conversion IRA, NQ
                      (revised), QP-Defined Contribution, QP-Defined
                         Benefit, TSA (revised) previously filed with this
                    Registration Statement File No. 333-64749 on
April 25, 2001.         

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          (u)           Form of amendment to Certificate Form No. 941CB,
                       Form No. 2000 BENE-G previously filed with this
                    Registration Statement File No. 333-64749 on
April 25, 2001.         

             (v)           Form of Endorsement (No. 2001 ENJONQ) applicable to
                        Non-Qualified Certificates previously filed with
                         this Registration Statement File No. 333-64749 on
April 25, 2001.         

       (w)           Form of Data Pages for Accumulator Plus, Form
               No. 94ICA/B, previously filed with this
                    Registration Statement File No. 333-64749 on
December 20, 2001.      

          (x)           Form of Data Pages, Form No. 94ICA/B, previously
                   filed with this Registration Statement File
           No. 333-64749 on December 20, 2001.

          (y)           Form of Endorsement applicable to Fixed Maturity
                        Options, Form No. 2002FMO, previously filed with
                         this Registration Statement File No. 333-64749 on
December 20, 2001.      

    (z)           Form of Optional Death Benefit Rider, Form
                No. 2002PPDB, previously filed with this
                    Registration Statement File No. 333-64749 on
December 20, 2001.      

          (a)(a)        Form of Guaranteed Minimum Income Benefit Rider,
                     Form No. 2002GMIB, previously filed with this
                    Registration Statement File No. 333-64749 on
December 20, 2001.      

         (b)(b)        Form of Guaranteed Minimum Death Benefit Rider,
                         Form No. 2002GMDB-6% or AR, previously filed with
                         this Registration Statement File No. 333-64749 on
December 20, 2001.      

         (c)(c)        Form of Guaranteed Minimum Death Benefit Rider,
                          Form No. 2002GMDB-6% Rollup, previously filed with
                         this Registration Statement File No. 333-64749 on
December 20, 2001.      

      (d)(d)        Form of Guaranteed Death Benefit Rider, Form
                   No. 2002GMDB-AR, previously filed with this
                    Registration Statement File No. 333-64749 on
December 20, 2001.      

      (e)(e)        Form of Data Page for Accumulator Plus, Form
                  No. 2002DPPPlus previously filed with this
                       Registration Statement (File No. 333-64749), on
March 8, 2002.          

          (f)(f)        Form of Data Pages, Form No. 2002DP incorporated
                     herein by reference to Exhibit 4(j)(j) to the
                          Registration Statement (File No. 333-31131), filed
March 8, 2002.          

      (g)(g)        Form of Endorsement for Accumulator Form No.
                      2002EGTRRA incorporated herein by reference to
                           Exhibit 4(k)(k) to the Registration Statement (File
            No. 333-31131), filed March 8, 2002.

          (h)(h)        Form of Endorsement applicable to fixed maturity
                        options, Form No. 2002FMO incorporated herein by
                        reference to Exhibit 4(m)(m) to the Registration
                            Statement (File No. 333-31131), filed March 8, 2002.

        (i)(i)        Form of Protection Plus Optional Death Benefit
                       Rider, Form No. 2002PPDB incorporated herein by
                        reference to Exhibit 4(n)(n) to the Registration
                            Statement (File No. 333-31131), filed March 8, 2002.

         (j)(j)        Form of Guaranteed Minimum Death Benefit Rider,
                     Form No. 2002MDB-6% or AR Rollup incorporated
                     herein by reference to Exhibit 4(o)(o) to the
                          Registration Statement (File No. 333-31131), filed
March 8, 2002.          

         (k)(k)        Form of Guaranteed Minimum Death Benefit Rider,
                          Form No. 2002GMDB-6%Rollup, incorporated herein by
               reference to Exhibit No. 4(p)(p) to the
                          Registration Statement (File No. 333-31131), filed
March 8, 2002.          

         (l)(l)        Form of Guaranteed Minimum Death Benefit Rider,
                    Form No. 2002GMDB-AR, incorporated herein by
                        reference to Exhibit 4(q)(q) to the Registration
                            Statement (File No. 333-31131), filed March 8, 2002.

         (m)(m)        Form of Guaranteed Minimum Death Benefit Rider,
                          Form No. 2002GMIB-6%Rollup, incorporated herein by
                        reference to Exhibit 4(r)(r) to the Registration
                            Statement (File No. 333-31131), filed March 8, 2002.

         (n)(n)        Form of Guaranteed Minimum Death Benefit Rider,
                           Form No. 2002GMIB, incorporated herein by reference
 to Exhibit 4(s)(s) to the

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                          Registration Statement (File No. 333-31131), filed
March 8, 2002.          

            (o)(o)        Form of Endorsement (No. 2002 NQBCO) applicable to
                non-qualified contract/certificates with
                     beneficiary continuation option, incorporated
                         herein by reference to Exhibit No. 4(a)(c) to the
                         Registration Statement (File No. 333-05593) filed
on April 23, 2003.      

             (p)(p)        Form of Guaranteed Minimum Death Benefit Rider (No.
                       2002 GMDB-6% Rollup), annual ratchet to age 85,
                   incorporated herein by reference to Exhibit
                       No. 4(a)(d) to the Registration Statement (File
               No. 333-05593) filed on April 23, 2003.

             (q)(q)        Form of Guaranteed Minimum Death Benefit Rider (No.
                    2002 GMDB-6% Rollup), [6%] Rollup to age 85,
                   incorporated herein by reference to Exhibit
                       No. 4(a)(e) to the Registration Statement (File
               No. 333-05593) filed on April 23, 2003.

             (r)(r)        Form of Guaranteed Minimum Death Benefit Rider (No.
                         2002 GMDB-6% or AR) greater of [6%] Rollup to Age
                     [85] GMDB or Annual Ratchet to age [85] GMDB,
                   incorporated herein by reference to Exhibit
                       No. 4(a)(f) to the Registration Statement (File
               No. 333-05593) filed on April 23, 2003.

         (s)(s)        Form of Guaranteed Minimum Income Benefit Rider
                     (also known as the Living Benefit), (No. 2002
                          GMIB), incorporated herein by reference to Exhibit
                       No. 4(a)(g) to the Registration Statement (File
               No. 333-05593) filed on April 23, 2003.

        (t)(t)        Form of Protection Plus Optional Death Benefit
                     Rider (No. 2002 PPDB), incorporated herein by
               reference to Exhibit No. 4(a)(h) to the
                         Registration Statement (File No. 333-05593) filed
on April 23, 2003.      

           (u)(u)        Form of Guaranteed Minimum Death Benefit ("GMDB")
                           Rider (No. 2003 GMDB-RUorAR) Greater of [5%] Rollup
                      to age [85] GMDB or Annual Ratchet to Age [85]
                         GMDB, incorporated herein by reference to Exhibit
                   4(a)(i) to the Registration Statement (File
            No. 333-05593) filed on May 8, 2003.

           (v)(v)        Form of Guaranteed Minimum Death Benefit ("GMDB")
                      Rider (No. 2003 GMDB-AR) Annual Ratchet to Age
                         [85], incorporated herein by reference to Exhibit
                   4(a)(j) to the Registration Statement (File
            No. 333-05593) filed on May 8, 2003.

            (w)(w)        Form of Guaranteed Minimum Income Benefit ("GMIB")
                       Rider (No. 2003 GMIB) (also known as the Living
                     Benefit), incorporated herein by reference to
                           Exhibit 4(a)(k) to the Registration Statement (File
            No. 333-05593) filed on May 8, 2003.

        (x)(x)        Form of Protection Plus Optional Death Benefit
                    Rider (No. 2003PPDB), incorporated herein by
                        reference to Exhibit 4(a)(l) to the Registration
                            Statement (File No. 333-05593) filed on May 8, 2003.

       (y)(y)        Form of Enhanced Guaranteed Principal Benefit
                           ("Enhanced GPB") Rider (No. 2003 GPB), incorporated
                     herein by reference to Exhibit 4(a)(m) to the
                         Registration Statement (File No. 333-05593) filed
on May 8, 2003.         

        (z)(z)        Form of Spousal Protection Rider applicable to
                        [Non-Qualified][Certificate/Contract]s (No. 2003
                           SPPRO), incorporated herein by reference to Exhibit
                   4(a)(n) to the Registration Statement (File
            No. 333-05593) filed on May 8, 2003.

             (a)(a)(a)     Form of Data Pages (No. 2003 DPTOBCO), incorporated
                     herein by reference to Exhibit 4(a)(o) to the
                         Registration Statement (File No. 333-05593) filed
on May 8, 2003.         

       (b)(b)(b)     Form of Data Pages (No. 2003DP), incorporated
                     herein by reference to Exhibit 4(a)(p) to the
                         Registration Statement (File No. 333-05593) filed
on May 8, 2003.         

        (c)(c)(c)     Form of Data Pages (No. 2003DPPlus) previously
                   filed with this Registration Statement File
           No. 333-64749 filed on May 8, 2003.

             (d)(d)(d)     Form of Guaranteed Withdrawal Benefit ("GWB") Rider
                      (No. 2004 GWB-A), incorporated by reference to
                          Exhibit No. 4(a)(r) to Registration Statement File
         No. 333-05593, filed May 3, 2004.

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             (e)(e)(e)     Form of Guaranteed Withdrawal Benefit ("GWB") Rider
                      (No. 2004 GWB-B), incorporated by reference to
                          Exhibit No. 4(a)(s) to Registration Statement File
         No. 333-05593, filed May 3, 2004.

         (f)(f)(f)     Form of Data Pages (2004DPGWB), incorporated by
                        reference to Exhibit No. 4(a)(t) to Registration
                        Statement File No. 333-05593, filed May 3, 2004.

             (g)(g)(g)     Form of Guaranteed Withdrawal Benefit ("GWB") Rider
                        [also known as "Principal Protector"] (2004GWB-A
                       (rev 2/05)) incorporated herein by reference to
                       Exhibit 4(a)(u) to Registration Statement (File
                         No. 333-05593) on Form N-4, filed April 20, 2005.

             (h)(h)(h)     Form of Guaranteed Withdrawal Benefit ("GWB") Rider
                        [also known as "Principal Protector"] (2004GWB-B
                       (rev 2/05)) incorporated herein by reference to
                       Exhibit 4(a)(v) to Registration Statement (File
                         No. 333-05593) on Form N-4, filed April 20, 2005.

             (i)(i)(i)     Form of Guaranteed Withdrawal Benefit ("GWB") Rider
                         [also known as "Principal Protector"] (2004GWB-A1
                       (rev 2/05)) incorporated herein by reference to
                       Exhibit 4(a)(w) to Registration Statement (File
                         No. 333-05593) on Form N-4, filed April 20, 2005.

             (j)(j)(j)     Form of Guaranteed Withdrawal Benefit ("GWB") Rider
                         [also known as "Principal Protector"] (2004GWB-B1
                       (rev 2/05)) incorporated herein by reference to
                       Exhibit 4(a)(x) to Registration Statement (File
                         No. 333-05593) on Form N-4, filed April 20, 2005.

            (k)(k)(k)     Form of Change of Ownership Endorsement (2004COO),
                           incorporated herein by reference to Exhibit 4(a)(y)
                         to Registration Statement (File No. 333-05593) on
       Form N-4, filed April 20, 2005.

         (l)(l)(l)     Form of Endorsement Applicable to TSA Contracts
                     (2004TSA) incorporated herein by reference to
                       Exhibit 4(a)(z) to Registration Statement (File
                         No. 333-05593) on Form N-4, filed April 20, 2005.

            (m)(m)(m)     Form of Guaranteed Minimum Income Benefit ("GMIB")
                           Rider (No. 2003 GMIB revised 11/05 NLG) (also known
                     as the Living Benefit) incorporated herein by
                        reference to Exhibit 4.(a)(a)(a) to Registration
                          Statement File No. 333-05593 on Form N-4, filed on
October 14, 2005.       

            (n)(n)(n)     Form of Guaranteed Minimum Income Benefit ("GMIB")
                           Rider (No. 2003 GMIB revised 11/05 OPR) (also known
                     as the Living Benefit) incorporated herein by
                        reference to Exhibit 4.(b)(b)(b) to Registration
                          Statement File No. 333-05593 on Form N-4, filed on
October 14, 2005.       

           (o)(o)(o)     Form of Guaranteed Minimum Death Benefit ("GMDB")
                           Rider (No. 2003 GMDB revised 11/05 OPR) (Greater of
                          6% Roll up to Age 85 GMDB or Annual Ratchet to Age
                    85 GMDB) incorporated herein by reference to
                          Exhibit 4.(c)(c)(c) to Registration Statement File
                       No. 333-05593 on Form N-4, filed on October 14,
2005.                   

        (p)(p)(p)     Form of endorsement, No. 2005TRBNS, previously
                   filed with this Registration Statement File
        No. 333-64749 on April 20, 2006.

     (q)(q)(q)     Form of flexible premium deferred fixed and
                   variable annuity contract No. 2006BASE-I-B,
                      incorporated herein by reference to Exhibit 4.
                     (d)(d)(d) to the Registration Statement (File
            No. 333-05593), filed June 14, 2006.

     (r)(r)(r)     Form of flexible premium deferred fixed and
                   variable annuity contract No. 2006BASE-I-A,
                      incorporated herein by reference to Exhibit 4.
                     (e)(e)(e) to the Registration Statement (File
            No. 333-05593), filed June 14, 2006.

        (s)(s)(s)     Form of Data Page No. 2006GWB DP, incorporated
                          herein by reference to Exhibit 4. (f)(f)(f) to the
                          Registration Statement (File No. 333-05593), filed
June 14, 2006.          

           (t)(t)(t)     Form of Data Page No. 2006DP, incorporated herein
                   by reference to Exhibit 4. (g)(g)(g) to the
                          Registration Statement (File No. 333-05593), filed
June 14, 2006.          

           (u)(u)(u)     Form of Endorsement No. 2006TSA-GWB, incorporated
                          herein by reference to Exhibit 4. (i)(i)(i) to the
                          Registration Statement (File No. 333-05593), filed
June 14, 2006.          

       (v)(v)(v)     Form of Endorsement No. 2006CRT, incorporated

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                          herein by reference to Exhibit 4. (j)(j)(j) to the
                          Registration Statement (File No. 333-05593), filed
June 14, 2006.          

       (w)(w)(w)     Form of Endorsement No. 2006FMO, incorporated
                          herein by reference to Exhibit 4. (k)(k)(k) to the
                          Registration Statement (File No. 333-05593), filed
June 14, 2006.          

           (x)(x)(x)     Form of Endorsement No. 2006IRA-ACC, incorporated
                          herein by reference to Exhibit 4. (l)(l)(l) to the
                          Registration Statement (File No. 333-05593), filed
June 14, 2006.          

           (y)(y)(y)     Form of Endorsement No. 2006IRA-GWB, incorporated
                          herein by reference to Exhibit 4. (m)(m)(m) to the
                          Registration Statement (File No. 333-05593), filed
June 14, 2006.          

          (z)(z)(z)     Form of Endorsement No. 2006NQ-ACC, incorporated
                          herein by reference to Exhibit 4. (n)(n)(n) to the
                          Registration Statement (File No. 333-05593), filed
June 14, 2006.          

          (a)(a)(b)     Form of Endorsement No. 2006NQ-GWB, incorporated
                          herein by reference to Exhibit 4. (o)(o)(o) to the
                          Registration Statement (File No. 333-05593), filed
June 14, 2006.          

          (a)(a)(c)     Form of Endorsement No. 2006QP-ACC, incorporated
                          herein by reference to Exhibit 4. (p)(p)(p) to the
                          Registration Statement (File No. 333-05593), filed
June 14, 2006.          

          (a)(a)(d)     Form of Endorsement No. 2006QP-GWB, incorporated
                          herein by reference to Exhibit 4. (q)(q)(q) to the
                          Registration Statement (File No. 333-05593), filed
June 14, 2006.          

            (a)(a)(e)     Form of Endorsement No. 2006ROTH-ACC, incorporated
                          herein by reference to Exhibit 4. (r)(r)(r) to the
                          Registration Statement (File No. 333-05593), filed
June 14, 2006.          

            (a)(a)(f)     Form of Endorsement No. 2006ROTH-GWB, incorporated
                          herein by reference to Exhibit 4. (s)(s)(s) to the
                          Registration Statement (File No. 333-05593), filed
June 14, 2006.          

           (a)(a)(g)     Form of Endorsement No. 2006TSA-ACC, incorporated
                          herein by reference to Exhibit 4. (t)(t)(t) to the
                          Registration Statement (File No. 333-05593), filed
June 14, 2006.          

           (a)(a)(h)     Form of Rider No. 2006GWB, incorporated herein by
                reference to Exhibit 4. (w)(w)(w) to the
                          Registration Statement (File No. 333-05593), filed
June 14, 2006.          

           (a)(a)(i)     Form of Rider No. 2006EEB, incorporated herein by
                reference to Exhibit 4. (x)(x)(x) to the
                          Registration Statement (File No. 333-05593), filed
June 14, 2006.          

            (a)(a)(j)     Form of Rider No. 2006GMAB, incorporated herein by
                reference to Exhibit 4. (y)(y)(y) to the
                          Registration Statement (File No. 333-05593), filed
June 14, 2006.          

            (a)(a)(k)     Form of Rider No. 2006GMDB-AR, incorporated herein
                   by reference to Exhibit 4. (z)(z)(z) to the
                          Registration Statement (File No. 333-05593), filed
June 14, 2006.          

            (a)(a)(l)     Form of Rider No. 2006GMDB-GR, incorporated herein
                   by reference to Exhibit 4. (a)(a)(b) to the
                          Registration Statement (File No. 333-05593), filed
June 14, 2006.          

            (a)(a)(m)     Form of Rider No. 2006GMDBOPR, incorporated herein
                   by reference to Exhibit 4. (a)(a)(c) to the
                          Registration Statement (File No. 333-05593), filed
June 14, 2006.          

            (a)(a)(n)     Form of Rider No. 2006GMIB, incorporated herein by
                reference to Exhibit 4. (a)(a)(d) to the
                          Registration Statement (File No. 333-05593), filed
June 14, 2006.          

            (a)(a)(o)     Form of Rider No. 2006GMIBOPR, incorporated herein
                   by reference to Exhibit 4. (a)(a)(e) to the
                          Registration Statement (File No. 333-05593), filed
June 14, 2006.          

            (a)(a)(p)     Form of Data Page No. 2006DPPlus, previously filed
             with this Registration Statement File
           No. 333-64749, filed June 15, 2006.

             (a)(a)(q)     Form of Endorsement No. 2006TRBNS, previously filed
             with this Registration Statement File
           No. 333-64749, filed June 15, 2006.

            (a)(a)(r)     Form of Contract for Individual Fixed and Variable
                          Annuity (2007DPPlus). Filed with this Registration
                     Statement File No. 333-64749 on May 15, 2007.

      (a)(a)(s)     Form of Endorsement for Individual Fixed and

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                     Variable Annuity (2007MMDCA). Filed with this
                    Registration Statement File No. 333-64749 on
May 15, 2007.           

             (a)(a)(t)     Form of Data Page for Individual Fixed and Variable
                          Annuity (2007DP), incorporated herein by reference
                  to Exhibit 4 (a)(a)(g) to the Registration
                         Statement (File No. 333-05593), filed January 30,
2007.                   

             (a)(a)(u)     Form of Data Page for Individual Fixed and Variable
                     Annuity (2007GWBL DP), incorporated herein by
                           reference to Exhibit 4(a)(a)(h) to the Registration
                         Statement (File No. 333-05593), filed January 30,
2007.                   

             (a)(a)(v)     Form of Data Page for Individual Fixed and Variable
                     Annuity (2007DPTOBCO), incorporated herein by
                           reference to Exhibit 4(a)(a)(i) to the Registration
                         Statement (File No. 333-05593), filed January 30,
2007.                   

         (a)(a)(w)     Form of Rider for Individual Fixed and Variable
                  Annuity (2007GMIB), incorporated herein by
                           reference to Exhibit 4(a)(a)(n) to the Registration
                         Statement (File No. 333-05593), filed January 30,
2007.                   

         (a)(a)(x)     Form of Rider for Individual Fixed and Variable
                     Annuity (2007GMIBOPR), incorporated herein by
                           reference to Exhibit 4(a)(a)(o) to the Registration
                         Statement (File No. 333-05593), filed January 30,
2007.                   

         (a)(a)(y)     Form of Rider for Individual Fixed and Variable
                       Annuity (2007GMIBOPR-R), incorporated herein by
                           reference to Exhibit 4(a)(a)(p) to the Registration
                         Statement (File No. 333-05593), filed January 30,
2007.                   

         (a)(a)(z)     Form of Rider for Individual Fixed and Variable
                       Annuity (2007GMDB-GR-6), incorporated herein by
                           reference to Exhibit 4(a)(a)(q) to the Registration
                         Statement (File No. 333-05593), filed January 30,
2007.                   

         (a)(b)(a)     Form of Rider for Individual Fixed and Variable
                       Annuity (2007GMDB-GR-3), incorporated herein by
                           reference to Exhibit 4(a)(a)(r) to the Registration
                         Statement (File No. 333-05593), filed January 30,
2007.                   

         (a)(b)(c)     Form of Rider for Individual Fixed and Variable
                     Annuity (2007GMDBOPR), incorporated herein by
                           reference to Exhibit 4(a)(a)(s) to the Registration
                         Statement (File No. 333-05593), filed January 30,
2007.                   

         (a)(b)(d)     Form of Rider for Individual Fixed and Variable
                     Annuity (2007GMDB-AR), incorporated herein by
                           reference to Exhibit 4(a)(a)(t) to the Registration
                         Statement (File No. 333-05593), filed January 30,
2007.                   

         (a)(b)(e)     Form of Rider for Individual Fixed and Variable
                     Annuity (2006GWB - rev 5-07 NQ), incorporated
                         herein by reference to Exhibit 4 (a)(a)(u) to the
                          Registration Statement (File No. 333-05593), filed
January 30, 2007.       

      (a)(b)(f)     Form of Endorsement for Individual Fixed and
                          Variable Annuity (2007DB-ACC), incorporated herein
                 by reference to Exhibit 4(a)(a)(v) to the
                          Registration Statement (File No. 333-05593), filed
January 30, 2007.       

      (a)(b)(g)     Form of Endorsement for Individual Fixed and
                          Variable Annuity (2007DB-GWB), incorporated herein
                 by reference to Exhibit 4(a)(a)(w) to the
                          Registration Statement (File No. 333-05593), filed
January 30, 2007.       

      (a)(b)(h)     Form of Endorsement for Individual Fixed and
                          Variable Annuity (2007NQ-ACC), incorporated herein
                 by reference to Exhibit 4(a)(a)(x) to the
                          Registration Statement (File No. 333-05593), filed
January 30, 2007.       

      (a)(b)(i)     Form of Endorsement for Individual Fixed and
                          Variable Annuity (2007NQ-GWB), incorporated herein
                 by reference to Exhibit 4(a)(a)(y) to the
                          Registration Statement (File No. 333-05593), filed
January 30, 2007.       

      (a)(b)(j)     Form of Endorsement for Individual Fixed and
                Variable Annuity (2006IRA-ACC-rev 5-07),
                   incorporated herein by reference to Exhibit
                      4(a)(a)(z) to the Registration Statement (File
               No. 333-05593), filed January 30, 2007.

      (a)(b)(k)     Form of Endorsement for Individual Fixed and
                  Variable Annuity (2006IRA-GWB - rev 5-07),
                   incorporated herein by reference to Exhibit
                      4(a)(b)(a) to the Registration Statement (File
               No. 333-05593), filed January 30, 2007.

      (a)(b)(l)     Form of Endorsement for Individual Fixed and
                   Variable Annuity (2006ROTH-ACC - rev 5-07),

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                   incorporated herein by reference to Exhibit
                      4(a)(b)(b) to the Registration Statement (File
               No. 333-05593), filed January 30, 2007.

      (a)(b)(m)     Form of Endorsement for Individual Fixed and
                   Variable Annuity (2006ROTH-GWB - rev 5-07),
                   incorporated herein by reference to Exhibit
                      4(a)(b)(c) to the Registration Statement (File
               No. 333-05593), filed January 30, 2007.

      (a)(b)(n)     Form of Endorsement for Individual Fixed and
                          Variable Annuity (2007COO), incorporated herein by
                           reference to Exhibit 4(a)(b)(e) to the Registration
                         Statement (File No. 333-05593), filed January 30,
2007.                   

      (a)(b)(o)     Form of Endorsement for Individual Fixed and
                         Variable Annuity (2007PREDB), incorporated herein
                 by reference to Exhibit 4(a)(b)(f) to the
                          Registration Statement (File No. 333-05593), filed
January 30, 2007.       

(a)(b)(p)     Form of Guaranteed Withdrawal Benefit 
                    (("GWB")(rev0208)) is incorporated herein by
               reference to Exhibit 4.(a)(b)(g) to the
                         Registration Statement (File No. 333-05593) filed
on October 15, 2007.    

          (a)(b)(q)     Form of Date Page Rider for Individual Fixed and
                     Variable Annuity (2007GWBL DP (rev (0208)) is
                   incorporated herein by reference to Exhibit
                       4.(a)(b)(h) to the Registration Statement (File
               No. 333-05593) filed on April 23, 2008.

        (a)(b)(r)     Form of Guaranteed Withdrawal Benefit for Life
                       ("GWBL") Rider (No. 2008GWBL), previously filed
                           with this Registration Statement File No. 333-64749
on August 20, 2008.     

           (a)(b)(s)     Form of Memorandum of Variable Material for Rider
                       Form Nos. 2008GWBL and 2008GMIB and Endorsement
                          2008ADOPT, previously filed with this Registration
                        Statement File No. 333-64749 on August 20, 2008.

           (a)(b)(t)     Form of Data Pages (No. 2008DP), previously filed
                           with this Registration Statement File No. 333-64749
on August 20, 2008.     

            (a)(b)(u)     Form of Endorsement Applicable to the Right to Add
                          an Optional Guaranteed Withdrawal Benefit for Life
                     ("GWBL") or Guaranteed Minimum Income Benefit
                        ("GMIB") Rider (No. 2008ADOPT), previously filed
                           with this Registration Statement File No. 333-64749
on August 20, 2008.     

           (a)(b)(v)     Form of Guaranteed Minimum Death Benefit Rider w/
                           Optional Reset (GMBD) (No. 2008GMDBOPR). Previously
                   filed with this Registration Statement File
         No. 333-64749 on August 20, 2008.

        (a)(b)(w)     Form of Guaranteed Minimum Death Benefit Rider
                           (GMDB) (No. 2008GMDBSA), previously filed with this
                    Registration Statement File No. 333-64749 on
August 20, 2008.        

            (a)(b)(x)     Form of Guaranteed Minimum Income Benefit ("GMIB")
                           Rider with Optional Reset of [6% / 6.5%] Roll Up to
                 Age [85] GMIB Benefit Base and Guaranteed
                           Withdrawal Benefit for Life Conversion Benefit (No.
                          2008GMIB), previously filed with this Registration
                        Statement File No. 333-64749 on August 20, 2008.

           (a)(b)(y)     Form of Endorsement Applicable to Credits Applied
                 to Annuity Account Value (No. 2008TRBNS),
                         previously filed with this Registration Statement
              File No. 333-64749 on August 20, 2008.

         (a)(b)(z)     Form of Endorsement Applicable to the Deferment
                        Provision (No. 2008DEFER), previously filed with
                         this Registration Statement File No. 333-64749 on
August 20, 2008.        

         (a)(c)(a)     Form of Endorsement Applicable to IRA Contracts
                     (No. 2008IRA-ACC), previously filed with this
                    Registration Statement File No. 333-64749 on
August 20, 2008.        

     (a)(c)(b)     Form of Endorsement Applicable to Custodial
                          Contracts (No. 2008IRA-CSTDL-NS), previously filed
                           with this Registration Statement File No. 333-64749
on August 20, 2008.     

         (a)(c)(c)     Form of Endorsement Applicable to IRA Contracts
                     (No. 2008IRA-GWB), previously filed with this
                    Registration Statement File No. 333-64749 on
August 20, 2008.        

    (a)(c)(d)     Form of Endorsement Applicable to ROTH-IRA
                           Contracts (No. 2008ROTH-ACC), previously filed with
                         this Registration Statement File No. 333-64749 on
August 20, 2008.        

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    (a)(c)(e)     Form of Endorsement Applicable to ROTH-IRA
                           Contracts (No. 2008ROTH-GWB), previously filed with
                         this Registration Statement File No. 333-64749 on
August 20, 2008.        

             (a)(c)(f)     Form of Endorsement Applicable to SEP-IRA Contracts
                        (No. 2008SEPIRA-ACC), previously filed with this
                    Registration Statement File No. 333-64749 on
August 20, 2008.        

             (a)(c)(g)     Form of Endorsement Applicable to SEP-IRA Contracts
                        (No. 2008SEPIRA-GWB), previously filed with this
                    Registration Statement File No. 333-64749 on
August 20, 2008.        

      (a)(c)(h)     Form of Endorsement Applicable to Simple IRA
                        Contracts (No. 2008SIMIRA-ACC), previously filed
                           with this Registration Statement File No. 333-64749
on August 20, 2008.     

      (a)(c)(i)     Form of Endorsement Applicable to Simple IRA
                        Contracts (No. 2008SIMIRA-GWB), previously filed
                           with this Registration Statement File No. 333-64749
on August 20, 2008.     

             (a)(c)(j)     Form of Non-Spousal Beneficiary Continuation Option
                        (BCO) Tax-Qualified Retirement Plan Funds Direct
                    Rollover to Traditional IRA Endorsement (No.
                2008TQNSBCO), previously filed with this
                    Registration Statement File No. 333-64749 on
August 20, 2008.        

(a)(c)(k)     Form for use with Certificate Form No.
                2006BASEA/2006BASEB or Contract Form No.
               2006BASE-I-A/2006BASE-I-B (Depending on
                 Jurisdiction) Marketed as AXA Equitable's
               "Accumulator Series 08" ("Accumulator",
                    "Accumulator Select", "Accumulator Plus" and
                       "Accumulator Elite", previously filed with this
                    Registration Statement File No. 333-64749 on
August 20, 2008.        

         (a)(c)(l)     Form of Data Pages (No. 2008DPPlus), previously
                   filed with this Registration Statement File
         No. 333-64749 on August 20, 2008.

           (a)(c)(m)     Form of Revised Guaranteed Minimum Income Benefit
                         ("GMIB") Rider (also known as the Living Benefit)
                           JS06 GMIB1, previously filed with this Registration
                       Statement File No. 333-64749 on April 23, 2009.

           (a)(c)(n)     Form of Revised Guaranteed Minimum Income Benefit
                         ("GMIB") Rider (also known as the Living Benefit)
                           AND Guaranteed Minimum Death Benefit ("GMDB") Rider
                           JS06 GMIB2, previously filed with this Registration
                     Statement File No. 333-64749 on May 13, 2009.

            (a)(c)(o)     Form of Endorsement Applicable to the Right to Add
                     an Optional Guaranteed Minimum Income Benefit
                      ("GMIB") Rider, Form No. 2009ADOPT, previously
                   filed with this Registration Statement File
      No. 333-64749 on May 13, 2009.

      (a)(c)(p)     Form of Endorsement Applicable to Investment
                        Options, Form No. 2009GOA, previously filed with
                         this Registration Statement File No. 333-64749 on
May 13, 2009.           

         (a)(c)(q)     Form of Endorsement Applicable to Special Money
                          Market Dollar Cost Averaging, Form No. 2009MMSDCA,
                   filed with this Registration Statement File
      No. 333-64749 on May 13, 2009.

         (a)(c)(r)     Form of Endorsement Applicable to GWBL Maturity
                  Date Annuity Benefit, Form No. 2009GWBLMD,
                         previously filed with this Registration Statement
           File No. 333-64749 on May 13, 2009.

         (a)(c)(s)     Form of Endorsement Applicable to Section 6.02,
                  "Payment Upon Death", Form No. 2009DBENDO,
                         previously filed with this Registration Statement
           File No. 333-64749 on May 13, 2009.

           (a)(c)(t)     Form of Guaranteed Minimum Death Benefit ("GMDB")
              Rider Annual Ratchet to Age [85], Form
                  No. 2009GMDBAR, previously filed with this
                    Registration Statement File No. 333-64749 on
May 13, 2009.           

         (a)(c)(u)     Form of Guaranteed Minimum Death Benefit Rider,
                        Form No. 2009GMDBOPR, previously filed with this
                    Registration Statement File No. 333-64749 on
May 13, 2009.           

            (a)(c)(v)     Form of Guaranteed Minimum Income Benefit ("GMIB")
                        Rider with Optional Reset of [5%] Roll Up to Age
                        [85] GMIB Benefit Base and Guaranteed Withdrawal
                 Benefit for Life Conversion Benefit, Form
                No. 2009GMIB, previously filed with this
                    Registration Statement File No. 333-64749 on
May 13, 2009.           

  (a)(c)(w)     Form of Data Pages, Form No. 2009DPPLUS,

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                         previously filed with this Registration Statement
           File No. 333-64749 on May 13, 2009.

            (a)(c)(x)     Form of Data Pages, Form No. 2009DPWVR, previously
                   filed with this Registration Statement File
      No. 333-64749 on May 13, 2009.

         (a)(c)(y)     Form of Data Pages, Form No. 2009DP, previously
                   filed with this Registration Statement File
      No. 333-64749 on May 13, 2009.

           (a)(c)(z)     Form of Endorsement Applicable to Traditional IRA
                         Contracts (ICC11IRA1), previously filed with this
                           Registration Statement File No. 333-64749 on August
5, 2011.                

             (a)(d)(a)     Form of Endorsement Applicable to Qualified Defined
                          Contribution Plans (ICC11QP-DC1), previously filed
                           with this Registration Statement File No. 333-64749
on August 5, 2011.      

             (a)(d)(b)     Form of Endorsement Applicable to Qualified Defined
                          Benefit Plans (ICC11QP-DB1), previously filed with
                         this Registration Statement File No. 333-64749 on
August 5, 2011.         

         (a)(d)(c)     Form of Endorsement Applicable to Non-Qualified
                        Contracts (ICC11NQ1), previously filed with this
                           Registration Statement File No. 333-64749 on August
5, 2011.                

    (a)(d)(d)     Form of Endorsement Applicable to ROTH-IRA
                          Contracts (ICC11ROTH1), previously filed with this
                           Registration Statement File No. 333-64749 on August
5, 2011.                

     (a)(d)(e)(i)  Form of Endorsement Applicable to the Asset
                       Transfer Program ("ATP"), previously filed with
                         this Registration Statement File No. 333-64749 on
August 5, 2011.         

      (a)(d)(e)(ii) Form of Endorsement Applicable to Allocation
                           (ICC11GOA), previously filed with this Registration
                       Statement File No. 333-64749 on August 5, 2011.

      (a)(d)(f)     Form of Endorsement Applicable to Guaranteed
                           Interest Special Dollar Cost Averaging (ICC11SDCA),
                         previously filed with this Registration Statement
             File No. 333-64749 on August 5, 2011.

         (a)(d)(g)     Form of Endorsement Applicable to Special Money
                   Market Dollar Cost Averaging (ICC11MMSDCA),
                         previously filed with this Registration Statement
             File No. 333-64749 on August 5, 2011.

          (a)(d)(h)     Form of Data Pages - Table of Guaranteed Annuity
                        Payments (ICC11DP-TGAP-B), previously filed with
                         this Registration Statement File No. 333-64749 on
August 5, 2011.         

       (a)(d)(i)     Form of Inherited Traditional IRA Beneficiary
             Continuation Option (BCO) Endorsement
                  (ICC11INHIRA1), previously filed with this
                           Registration Statement File No. 333-64749 on August
5, 2011.                

             (a)(d)(j)     Form of Inherited Roth IRA Beneficiary Continuation
                 Option (BCO) Endorsement (ICC11INHROTH1),
                         previously filed with this Registration Statement
             File No. 333-64749 on August 5, 2011.

             (a)(d)(k)     Form of Guaranteed Minimum Income Benefit Rider [I-
                    Asset Allocation] with Guaranteed Withdrawal
                        Benefit for Life Conversion Benefit (ICC11GMIB),
                         previously filed with this Registration Statement
             File No. 333-64749 on August 5, 2011.

            (a)(d)(l)     Form of "Greater of" Death Benefit Rider [I- Asset
                        Allocation] Greater of Annual Rollup to Age [85]
                          GMDB or Highest Anniversary Value to Age [85] GMDB
                 (ICC11GMDBGR), previously filed with this
                           Registration Statement File No. 333-64749 on August
5, 2011.                

         (a)(d)(m)     Form of [Earnings Enhancement Benefit] Optional
                        Death Benefit Rider (ICC11EEB), previously filed
                           with this Registration Statement File No. 333-64749
on August 5, 2011.      

         (a)(d)(n)(i)  Form of Highest Anniversary Value Death Benefit
                        Rider Highest Anniversary Value to Age [85] GMDB
                  (ICC11GMDBHAV), previously filed with this
                           Registration Statement File No. 333-64749 on August
5, 2011.                

         (a)(d)(n)(ii) Form of Highest Anniversary Value Death Benefit
                        Rider Highest Anniversary Value to Age [85] GMDB
                     (ICC11GMDBHAV-IB), previously filed with this
                           Registration Statement File No. 333-64749 on August
5, 2011.                

           (a)(d)(p)     Form of Data Pages, Form ICC11DPACC-C, previously
                   filed with this Registration Statement File
        No. 333-64749 on August 5, 2011.

            (a)(d)(q)     Form of Data Pages, Form ICC11DPACC-CP, previously
                   filed with this Registration Statement File
        No. 333-64749 on August 5, 2011.

           (a)(d)(r)     Form of Data Pages, Form ICC11DPACC-L, previously
                   filed with this Registration Statement File
        No. 333-64749 on August 5, 2011.

            (a)(d)(s)     Form of Guaranteed Minimum Income Benefit Rider [I
                      - Asset Allocation] with Guaranteed Withdrawal
                       Benefit for Life Conversion Benefit, previously
                   filed with this Registration Statement File
        No. 333-64749 on April 25, 2012.

          (a)(d)(t)     Form of Endorsement applicable to Termination of
                   Guaranteed Minimum Death Benefits (Form No.
                           2012GMDB-BO-1), incorporated herein by reference to
                           Exhibit 4(m)(m) to the Registration Statement (File
                       No. 33-83750) on Form N-4 filed April 24, 2013.

        (a)(d)(u)     Form of Endorsement Terminating the Guaranteed
                 Withdrawal Benefit for Life Rider and any
                           Applicable Guaranteed Minimum Death Benefit offered
                          thereunder (Form No. (2013GWBL-BO-I), incorporated
                        herein by reference to Exhibit 4(a)(c)(q) to the
                      Registration Statement (File No. 333-05593) on
         Form N-4 filed on April 23, 2014.

        (a)(d)(v)     Form of Endorsement Terminating the Guaranteed
                 Withdrawal Benefit for Life Rider and any
                   Applicable Guaranteed Minimum Death Benefit
                        (2013GWBL-BO-G) offered thereunder, incorporated
                        herein by reference to Exhibit 4(a)(c)(r) to the
                      Registration Statement (File No. 333-05593) on
         Form N-4 filed on April 23, 2014.

        (a)(d)(w)     Form of Endorsement Terminating the Guaranteed
                         Minimum Income Benefit and any Guaranteed Minimum
           Death Benefit(s) offered thereunder
                         (2013GMIB-BO-I), incorporated herein by reference
                           to Exhibit 4(a)(c)(s) to the Registration Statement
                           (File No. 333-05593) on Form N-4 filed on April 23,
2014.                   

        (a)(d)(x)     Form of Endorsement Terminating the Guaranteed
                         Minimum Income Benefit and any Guaranteed Minimum
                Death Benefit(s) (2013GMIB-BO-G) offered
                       thereunder, incorporated herein by reference to
                        Exhibit 4(a)(c)(t) to the Registration Statement
                           (File No. 333-05593) on Form N-4 filed on April 23,
2014.                   

           (a)(d)(y)     Form of Lump Sum Payment Option Endorsement to be
filed by Amendment.     

  5.  (a)      Form of Enrollment Form/Application for Equitable
                   Accumulator (IRA, NQ, and QP), incorporated herein by
                 reference to Exhibit 5(e) to Registration Statement
No. 333-05593, filed May 1, 1998. 

            (b)      Form of application for Accumulator, Form No.2002App01,
                     incorporated herein by reference to Exhibit 5(h) to the
                Registration Statement (File No. 333-31131), filed
March 8, 2002.                    

            (c)      Form of application for Accumulator, Form No.2002App02,
                     incorporated herein by reference to Exhibit 5(i) to the
                Registration Statement (File No. 333-31131), filed
March 8, 2002.                    

          (d)      Form of application for Accumulator(R) Plus(SM), Form
                    No. 2004App02, previously filed with this Registration
              Statement File No. 333-64749, on April 20, 2006.

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     (e)     Form of Application No. 2006 App 02, incorporated herein by
           reference to Exhibit 5. (m) to the Registration Statement
(File No. 333-05593), filed June 14, 2006.    

     (f)     Form of Application No. 2006 App 01, incorporated herein by
           reference to Exhibit 5. (n) to the Registration Statement
(File No. 333-05593), filed June 14, 2006.    

(g)     Form of Application for Accumulator (2007App 01),     
          incorporated herein by reference to Exhibit 5 (o) to the
    Registration Statement (File No. 333-05593), filed
January 30, 2007.                             

(h)     Form of Application for Accumulator (2007App 02),     
          incorporated herein by reference to Exhibit 5 (p) to the
    Registration Statement (File No. 333-05593), filed
January 30, 2007.                             

(i)     Form of Application for Accumulator(R) PlusSM, Form   
            No. 2008 App 01 P, previously filed with this Registration
  Statement File No. 333-64749 on August 20, 2008.

(j)     Form of Application for Accumulator(R) PlusSM, Form   
            No. 2008 App 02 P, previously filed with this Registration
  Statement File No. 333-64749 on August 20, 2008.

(k)     Form of Application for Accumulator(R) Plus(SM), Form 
            No. 2009 App 01 P, previously filed with this Registration
Statement File No. 333-64749 on May 13, 2009. 

(l)     Form of Application for Accumulator(R) Plus(SM), Form 
            No. 2009 App 02 P, previously filed with this Registration
Statement File No. 333-64749 on May 13, 2009. 

(m)     Form of Flexible Premium Deferred Fixed and Variable  
           Annuity Contract (ICC11BASE1), previously filed with this
              Registration Statement File No. 333-64749 on August 5, 2011.

(n)     Form of Flexible Premium Deferred Fixed and Variable  
           Annuity Contract (ICC11BASE2), previously filed with this
              Registration Statement File No. 333-64749 on August 5, 2011.

(o)     Form of Application for an Individual Annuity         
            (ICC12APP01ACC11), previously filed with this Registration
 Statement File No. 333-64749 on April 25, 2012.

(p)     Form of Application for an Individual Annuity         
            (ICC12APP02ACC11), previously filed with this Registration
 Statement File No. 333-64749 on April 25, 2012.

6.  (a)     Restated Charter of AXA Equitable, as amended August 31,  
        2010, incorporated herein by reference to Registration
             Statement on Form N-4, (File No. 333-05593), filed on April
24, 2012.                                     

 (b)     By-Laws of AXA Equitable, as amended September 7, 2004,
          incorporated herein by reference to Exhibit No. 6.(c) to
           Registration Statement on Form N-4, (File No. 333-05593),
filed on April 20, 2006.                      

7.          N.A.                                                      

8.  (a)     Amended and Restated Participation Agreement among EQ     
            Advisors Trust, AXA Equitable Life Insurance Company ("AXA
           Equitable"), AXA Distributors and AXA Advisors dated July
 15, 2002 is incorporated herein by reference to
           Post-Effective Amendment No. 25 to the EQ Advisor's Trust
             Registration Statement on Form N-1A (File No. 333-17217 and
811-07953), filed on February 7, 2003.        

(a)(a)  Amendment No. 1, dated May 2, 2003, to the Amended and
           Restated Participation Agreement among EQ Advisors Trust,
             AXA Equitable, AXA Distributors and AXA Advisors dated July
             15, 2002 incorporated herein by reference to Post-Effective
         Amendment No. 28 To the EQ Advisor's Trust Registration
      Statement (File No. 333-17217) on Form N-1A filed on
February 10, 2004.                            

 (a)(b)  Amendment No. 2, dated July 9, 2004, to the Amended and
           Restated Participation Agreement among EQ Advisors Trust,
             AXA Equitable, AXA Distributors and AXA Advisors dated July
             15, 2002 incorporated herein by reference to Post-Effective
         Amendment No. 35 To the EQ Advisor's Trust Registration
      Statement (File No. 333-17217) on Form N-1A filed on
October 15, 2004.                             

    (a)(c)  Amendment No. 3, dated October 1, 2004, to the Amended and
           Restated Participation Agreement among EQ Advisors Trust,
             AXA Equitable, AXA Distributors and AXA Advisors dated July
             15, 2002 incorporated herein by reference to Post-Effective
         Amendment No. 35 To the EQ Advisor's Trust Registration
      Statement (File No. 333-17217) on Form N-1A filed on
October 15, 2004.                             

(a)(d)  Amendment No. 4, dated May 1, 2005, to the Amended and
           Restated Participation Agreement among EQ Advisors Trust,
             AXA Equitable, AXA Distributors and AXA Advisors dated July
             15, 2002 incorporated herein by reference to Post-Effective
         Amendment No. 37 To the EQ Advisor's Trust Registration
            Statement (File No. 333-17217) on Form N-1A filed on April
7, 2005.                                      

   (a)(e)  Amendment No. 5, dated September 30, 2005, to the Amended
        and Restated Participation Agreement among EQ Advisors
         Trust, AXA Equitable, AXA Distributors and AXA Advisors
         dated July 15, 2002 incorporated herein by reference to
           Post-Effective Amendment No. 44 To the EQ Advisor's Trust
          Registration Statement (File No. 333-17217) on Form N-1A
filed on April 5, 2006.                       

   (a)(f)  Amendment No. 6, dated August 1, 2006, to the Amended and
           Restated Participation Agreement among EQ Advisors Trust,
             AXA Equitable, AXA Distributors and AXA Advisors dated July
             15, 2002 incorporated herein by reference to Post-Effective
         Amendment No. 51 To the EQ Advisor's Trust Registration
      Statement (File No. 333-17217) on Form N-1A filed on
February 2, 2007.                             

(a)(g)  Amendment No. 7, dated May 1, 2007, to the Amended and
           Restated Participation Agreement among EQ Advisors Trust,
             AXA Equitable, AXA Distributors and AXA Advisors dated July
             15, 2002 incorporated herein by reference to Post-Effective
         Amendment No. 53 To the EQ Advisor's Trust Registration
            Statement (File No. 333-17217) on Form N-1A filed on April
27, 2007.                                     

    (a)(h)  Amendment No. 8, dated January 1, 2008, to the Amended and
           Restated Participation Agreement among EQ Advisors Trust,
             AXA Equitable, AXA Distributors and AXA Advisors dated July
             15, 2002 incorporated herein by reference to Post-Effective
         Amendment No. 56 To the EQ Advisor's Trust Registration
      Statement (File No. 333-17217) on Form N-1A filed on
December 27, 2007.                            

(a)(i)  Amendment No. 9, dated May 1, 2008, to the Amended and
           Restated Participation Agreement among EQ Advisors Trust,
             AXA Equitable, AXA Distributors and AXA Advisors dated July
             15, 2002 incorporated herein by reference to Post-Effective
         Amendment No. 61 To the EQ Advisor's Trust Registration
      Statement (File No. 333-17217) on Form N-1A filed on
February 13, 2009.                            

     (a)(j)  Amendment No. 10, dated January 1, 2009, to the Amended and
           Restated Participation Agreement among EQ Advisors Trust,
             AXA Equitable, AXA Distributors and AXA Advisors dated July
             15, 2002 incorporated herein by reference to Post-Effective
         Amendment No. 64 To the EQ Advisor's Trust Registration
            Statement (File No. 333-17217) on Form N-1A filed on March
16, 2009.                                     

 (a)(k)  Amendment No. 11, dated May 1, 2009, to the Amended and
           Restated Participation Agreement among EQ Advisors Trust,
             AXA Equitable, AXA Distributors and AXA Advisors dated July
             15, 2002 incorporated herein by reference to Post-Effective
         Amendment No. 67 To the EQ Advisor's Trust Registration
            Statement (File No. 333-17217) on Form N-1A filed on April
15, 2009.                                     

    (a)(l)  Amendment No. 12, dated September 29, 2009, to the Amended
        and Restated Participation Agreement among EQ Advisors
         Trust, AXA Equitable, AXA Distributors and AXA Advisors
         dated July 15, 2002 incorporated herein by reference to
           Post-Effective Amendment No. 70 To the EQ Advisor's Trust
          Registration Statement (File No. 333-17217) on Form N-1A
filed on January 21, 2010.                    

     (a)(m)  Amendment No. 13, dated August 16, 2010, to the Amended and
           Restated Participation Agreement among EQ Advisors Trust,
             AXA Equitable, AXA Distributors and AXA Advisors dated July
             15, 2002 incorporated herein by reference to Post-Effective
         Amendment No. 77 To the EQ Advisor's Trust Registration
      Statement (File No. 333-17217) on Form N-1A filed on
February 3, 2011.                             

   (a)(n)  Amendment No. 14, dated December 15, 2010, to the Amended
        and Restated Participation Agreement among EQ Advisors
         Trust, AXA Equitable, AXA Distributors and AXA Advisors
         dated July 15, 2002 incorporated herein by reference to
           Post-Effective Amendment No. 77 To the EQ Advisor's Trust
          Registration Statement (File No. 333-17217) on Form N-1A
filed on February 3, 2011.                    

   (a)(o)  Amendment No. 15, dated June 7, 2011 , to the Amended and
           Restated Participation Agreement among EQ Advisors Trust,
             AXA Equitable, AXA Distributors and AXA Advisors dated July
             15, 2002 incorporated herein by reference and/or previously
      filed with Post-Effective Amendment No. 84 To the EQ
             Advisor's Trust Registration Statement (File No. 333-17217)
on Form N-1A filed on August 17, 2011.        

    (a)(p)  Amendment No. 16, dated April 30, 2012, to the Amended and
           Restated Participation Agreement among EQ Advisors Trust,
       AXA Equitable and AXA Distributors dated July 15,2002
    incorporated herein by reference to Post-Effective
         Amendment No. 96 to the EQ Advisor's Trust Registration
      Statement (File No. 333-17217) on Form N-1A filed on
February 7, 2012.                             

  (b)     Participation Agreement among AXA Premier VIP Trust, AXA
            Equitable, AXA Advisors, AXA Distributors and EDI dated as
         of December 3, 2001 incorporated herein by reference to
            and/or previously filed with Pre-Effective Amendment No. 1
           to AXA Premier VIP Trust Registration Statement (File No.
     333-70754) on Form N-1A filed on December 10, 2001.

(b)(a)  Amendment No. 1, dated as of August 1, 2003 to the    
          Participation Agreement among AXA Premier VIP Trust, AXA
            Equitable, AXA Advisors, AXA Distributors and EDI dated as
         of December 3, 2001 incorporated herein by reference to
         Post-Effective Amendment No. 6 to AXA Premier VIP Trust
          Registration Statement (File No. 333-70754) on Form N-1A
filed on February 25, 2004.                   

(b)(b)  Amendment No. 2, dated as of May 1, 2006 to the       
          Participation Agreement among AXA Premier VIP Trust, AXA
            Equitable, AXA Advisors, AXA Distributors and EDI dated as
         of December 3, 2001 incorporated herein by reference to
          Post-Effective Amendment No. 16 to AXA Premier VIP Trust
          Registration Statement (File No. 333-70754) on Form N-1A
filed on June 1, 2006.                        

(b)(c)  Amendment No. 3, dated as of May 25, 2007 to the      
          Participation Agreement among AXA Premier VIP Trust, AXA
            Equitable, AXA Advisors, AXA Distributors and EDI dated as
         of December 3, 2001 incorporated herein by reference to
          Post-Effective Amendment No. 20 to AXA Premier VIP Trust
          Registration Statement (File No. 333-70754) on Form N-1A
filed on February 5, 2008.                    

 9.          Opinion and Consent of Dodie Kent, Esq., Vice President and
Associate General Counsel, filed herewith.    

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        10. (a)      Consent of the independent registered public accounting
firm to be filed by amendment.    

(b)      Powers of Attorney, filed herewith.        

11.          Not applicable.                                

12.          Not applicable.                                

13.          Not applicable.                                

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Item 25. Directors and Officers of AXA Equitable.                               

      Set forth below is information regarding the directors and principal
      officers of AXA Equitable. AXA Equitable's address is 1290 Avenue of
     the Americas, New York, New York 10104. The business address of the
persons whose names are preceded by an asterisk is that of AXA
Equitable.                                                    

NAME AND PRINCIPAL                 POSITIONS AND OFFICES WITH                   
BUSINESS ADDRESS                   AXA EQUITABLE                                
------------------                 --------------------------                   
DIRECTORS                                                                       

Henri de Castries                  Director                                     
AXA                                                                             
25, Avenue Matignon                                                             
75008 Paris, France                                                             

Denis Duverne                      Director                                     
AXA                                                                             
25, Avenue Matignon                                                             
75008 Paris, France                                                             

Barbara Fallon-Walsh               Director                                     
1670 Stephens Drive                                                             
Wayne, PA 19087                                                                 

Danny L. Hale                      Director                                     
900 20th Avenue South                                                           
Nashville, TN 37212                                                             

Peter S. Kraus                     Director                                     
AllianceBernstein Corporation                                                   
1345 Avenue of the Americas                                                     
New York, NY 10105                                                              

Ramon de Oliveira                  Director                                     
Investment Audit Practice, LLC                                                  
70 South Fifth Street                                                           
Park Ridge, NJ 07656                                                            

Bertram Scott                      Director                                     
Affinity Health Plans                                                           
2500 Halsey Street, #2                                                          
Bronx, NY 10461                                                                 

Lorie A. Slutsky                   Director                                     
The New York Community Trust                                                    
909 Third Avenue                                                                
New York, NY 10022                                                              

Richard C. Vaughan                 Director                                     
764 Lynnmore Lane                                                               
Naples, FL 34108-7522                                                           

OFFICER-DIRECTOR                                                                

*Mark Pearson                      Chairman of the Board,                       
                           Chief Executive Officer, Director and
President 

OTHER OFFICERS                                                                  

*Dave S. Hattem                    Senior Executive Director and General        
Counsel   

*Heinz-Juergen Schwering           Senior Executive Director and Chief Risk     
Officer   

*Anders B. Malmstrom               Senior Executive Director and Chief          
       Financial Officer

*Salvatore Piazzolla               Senior Executive Director and Chief Human    
       Resources Officer

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*Joshua E. Braverman               Senior Executive Director and Treasurer      

*Anthony F. Recine                 Managing Director, Chief Compliance Officer  
                and Deputy General Counsel

*Sharon A. Ritchey                 Senior Executive Director and Chief          
       Operating Officer

*Michael B. Healy                  Executive Director and Chief Information     
Officer   

*Andrea M. Nitzan                  Executive Director and Chief Accounting      
Officer   

*Nicholas B. Lane                  Senior Executive Director and Head of U.S.   
         Life and Retirement

*Robert O. Wright, Jr.             Senior Executive Director and Head of        
       Wealth Management

*Kevin Molloy                      Senior Executive Director                    

*Kevin E. Murray                   Executive Director                           

*Keith Floman                      Managing Director and Chief Actuary          

*David Kam                         Managing Director and Actuary                

*Michel Perrin                     Managing Director and Actuary                

*Karen Field Hazin                 Lead Director, Secretary and Associate       
     General Counsel

*Naomi J. Weinstein                Lead Director                                

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Item 26. Persons Controlled by or Under Common Control with the Insurance       
Company or Registrant.                                        

         Separate Account No. 49 of AXA Equitable Life Insurance
Company (the "Separate Account") is a separate account of AXA Equitable Life    
Insurance Company. AXA Equitable Life Insurance Company, a New York stock life  
insurance company, is a wholly owned subsidiary of AXA Financial, Inc. (the     
"Holding Company").                                                             

           AXA owns 100% of the Holding Company's outstanding common
stock. AXA is able to exercise significant influence over the operations and    
capital structure of the Holding Company and its subsidiaries, including AXA    
Equitable Life Insurance Company. AXA, a French company, is the holding company 
for an international group of insurance and related financial services          
companies.                                                                      

             (a) The 2013 AXA Group Organization Charts are incorporated
herein by reference to Exhibit 26 to Registration Statement (File No. 2-30070)  
on Form N-4, filed April 22, 2014.                                              

              (b) The AXA Financial, Inc. - Subsidiary Organization Chart:
Q4-2013 is incorporated herein by reference to Exhibit 26(b) to Registration    
Statement (File No. 2-30070) on Form N-4 filed April 22, 2014.                  

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Item 27. Number of Contractowners                                               

     As of May 31, 2014, there were 68,316 Qualified Contractholders and
      36,928 Non-Qualified Contractholders of the contracts offered by the
Registrant under this registration statement.                 

Item 28. Indemnification                                                        

(a)    Indemnification of Directors and Officers              

       The By-Laws of AXA Equitable Life Insurance Company ("AXA Equitable")
provide, in Article VII, as follows:                          

     7.4    Indemnification of Directors, Officers and Employees. (a) To
            the extent permitted by the law of the State of New York and
subject to all applicable requirements thereof: 

            (i)  any person made or threatened to be made a party to any
                    action or proceeding, whether civil or criminal, by reason
               of the fact that he or she, or his or her testator or
                 intestate, is or was a director, officer or employee of
          the Company shall be indemnified by the Company;

            (ii) any person made or threatened to be made a party to any
                    action or proceeding, whether civil or criminal, by reason
               of the fact that he or she, or his or her testator or
                   intestate, serves or served any other organization in any
                   capacity at the request of the Company may be indemnified
by the Company; and                   

           (iii)the related expenses of any such person in any of said
    categories may be advanced by the Company.

                 (b)  To the extent permitted by the law of the State of
                 New York, the Company may provide for further
                 indemnification or advancement of expenses by
                    resolution of shareholders of the Company or the
                         Board of Directors, by amendment of these By-Laws, or
                        by agreement. (Business Corporation Law ss. 721-726;
Insurance Law ss. 1216)     

               The directors and officers of AXA Equitable are insured under
policies issued by X.L. Insurance Company, Arch Insurance Company, Endurance    
Specialty Insurance Company, U.S. Specialty Insurance, St. Paul Travelers,      
Chubb Insurance Company, AXIS Insurance Company and Zurich Insurance Company.   
The annual limit on such policies is $105 million, and the policies insure the  
officers and directors against certain liabilities arising out of their conduct 
in such capacities.                                                             

(b)    Indemnification of Principal Underwriters              

             To the extent permitted by law of the State of New York and
subject to all applicable requirements thereof, AXA Distributors, LLC and AXA   
Advisors, LLC have undertaken to indemnify each of its respective directors and 
officers who is made or threatened to be made a party to any action or          
proceeding, whether civil or criminal, by reason of the fact the director or    
officer, or his or her testator or intestate, is or was a director or officer   
of AXA Distributors, LLC and AXA Advisors, LLC.                                 

(c)    Undertaking                                            

            Insofar as indemnification for liability arising under the
Securities Act of 1933 ("Act") may be permitted to directors, officers and      
controlling persons of the registrant pursuant to the foregoing provisions, or  
otherwise, the registrant has been advised that in the opinion of the           
Securities and Exchange Commission such indemnification is against public       
policy as expressed in the Act and is, therefore, unenforceable. In the event   
that a claim for indemnification against such liabilities (other than the       
payment by the registrant of expenses incurred or paid by a director, officer   
or controlling person of the registrant in the successful defense of any        
action, suit or proceeding) is asserted by such director, officer or            
controlling person in connection with the securities being registered, the      
registrant will, unless in the opinion of its counsel the matter has been       
settled by controlling precedent, submit to a court of appropriate jurisdiction 
the question whether such indemnification by it is against public policy as     
expressed in the Act and will be governed by the final adjudication of such     
issue.                                                                          

Item 29. Principal Underwriters                                                 

      (a) AXA Advisors, LLC, and AXA Distributors, LLC, both affiliates of AXA
Equitable and MONY Life Insurance Company of America are the principal          
underwriters for Separate Accounts 49, 70 and FP of AXA Equitable, EQ Advisors  
Trust and AXA Premier VIP Trust, and of MONY America Variable Account A, MONY   
America Variable Account K and MONY America Variable Account L. In addition,    
AXA Advisors is the principal underwriter for Separate Accounts 45, 301, A and  
I. The principal business address of AXA Advisors, LLC and AXA Distributors,    
LLC, is 1290 Avenue of the Americas, NY, NY 10104.                              

    (b) Set forth below is certain information regarding the directors and
principal officers of AXA Advisors, LLC and AXA Distributors, LLC. The business 
address of the persons whose names are preceded by an asterisk is that of AXA   
Advisors, LLC or (i) AXA Distributors, LLC, as applicable.                      

(i) AXA ADVISORS, LLC                                                           

NAME AND PRINCIPAL                 POSITIONS AND OFFICES WITH UNDERWRITER       
BUSINESS ADDRESS                   (AXA ADVISORS LLC)                           
------------------                 --------------------------------------       

*Robert O. Wright, Jr.             Director, Chairman of the Board and Chief    
       Executive Officer

*Kevin Molloy                      Director and Vice Chairman of the Board      

*Frank Massa                       Director, President and Chief Operating      
Officer   

*Nicholas B. Lane                  Director and Chief Retirement Savings        
Officer   

*Vincent Parascandola              Senior Vice President, Divisional President  
             and Chief Sales Officer

*Christine Nigro                   Senior Vice President and Divisional         
President 

*Lawrence Adkins, Jr.              Senior Vice President and Divisional         
President 

*Susan LaVallee                    Senior Vice President                        

*George Papazicos                  Senior Vice President                        

*Maurya Keating                    Vice President, Chief Broker Dealer Counsel  
                             and Investment Advisor Chief Compliance
Officer   

*Mary Jean Bonadonna               Vice President and Broker-Dealer Compliance  
Officer   

*John C. Taroni                    Vice President and Treasurer                 

*Gina Jones                        Vice President and Financial Crime Officer   

*Page Pennell                      Vice President                               

*Philip Pescatore                  Chief Risk Officer                           

*Denise Tedeschi                   Assistant Vice President and Assistant       
Secretary 

*Sharon A. Ritchey                 Director                                     

*Manish Agarwal                    Director                                     

*Anders B. Malmstrom               Director                                     

*Francesca Divone                  Secretary                                    

(ii) AXA DISTRIBUTORS, LLC                                                      

NAME AND PRINCIPAL                 POSITIONS AND OFFICES WITH UNDERWRITER       
BUSINESS ADDRESS                   (AXA DISTRIBUTORS, LLC)                      
------------------                 -------------------------------------------- 

*Nicholas B. Lane                  Director, Chairman of the Board, President,  
                                  Chief Executive Officer and Chief Retirement
     Savings Officer

*Michael P. McCarthy               Director, Senior Vice President, National    
   Sales Manager

*Todd Solash                       Director and Senior Vice President           

*Manish Agarwal                    Senior Vice President                        

*Ori Ben-Yishai                    Senior Vice President                        

*David Ciotta                      Senior Vice President                        

*Harvey T. Fladeland               Senior Vice President                        

*Nelida Garcia                     Senior Vice President                        

*Peter D. Golden                   Senior Vice President                        

*David Kahal                       Senior Vice President                        

*Kevin M. Kennedy                  Senior Vice President                        

*Windy Lawrence                    Senior Vice President                        

*Timothy P. O'Hara                 Senior Vice President                        

*Michael Schumacher                Senior Vice President                        

*Mark Teitelbaum                   Senior Vice President                        

*Nicholas Gismondi                 Vice President and Chief Financial Officer   

*Nicholas D. Huth                  Vice President and General Counsel           

*Gina Jones                        Vice President and Financial Crime Officer   

*John C. Taroni                    Vice President and Treasurer                 

*Denise Tedeschi                   Assistant Vice President and Assistant       
Secretary 

*Gregory Lashinsky                 Assistant Vice President - Financial         
          Operations Principal

*Francesca Divone                  Secretary                                    

  (c) The information under "Distribution of the Contracts" in the
Prospectus and Statement of Additional Information forming a part of this       
Registration Statement is incorporated herein by reference.                     

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Item 30. Location of Accounts and Records                                       

The records required to be maintained by Section 31(a) of the 
Investment Company Act of 1940 and Rules 31a-1 to 31a-3 thereunder are          
maintained by AXA Equitable Life Insurance Company at 1290 Avenue of the        
Americas, New York, New York 10104, 135 West 50th Street, New York, NY 10020,   
and 500 Plaza Drive, Secaucus, NJ 07096. The contract files will be kept at     
Vantage Computer System, Inc., 301 W. 11th Street, Kansas City, Mo. 64105.      

Item 31. Management Services                                                    

Not applicable.                                               

Item 32. Undertakings                                                           

The Registrant hereby undertakes:                             

(a)    to file a post-effective amendment to this registration
          statement as frequently as is necessary to ensure that the
              audited financial statements in the registration statement are
               never more than 16 months old for so long as payments under the
           individual annuity contracts and certificates AXA Equitable
       offers under a group annuity contract (collectively the
"contracts") may be accepted;                   

       (b)    to include either (1) as part of any application to purchase a
             contract offered by the prospectus, a space that an applicant
              can check to request a Statement of Additional Information, or
             (2) a postcard or similar written communication affixed to or
           included in the prospectus that the applicant can remove to
send for a Statement of Additional Information; 

   (c)    to deliver any Statement of Additional Information and any
             financial statements required to be made available under this
Form promptly upon written or oral request.     

           AXA Equitable represents that the fees and charges deducted
under the Contracts described in this Registration Statement, in the aggregate, 
in each case, are reasonable in relation to the services rendered, the expenses 
to be incurred, and the risks assumed by AXA Equitable under the respective     
Contracts.                                                                      

          The Registrant hereby represents that it is relying on the
November 28, 1988 no-action letter (Ref. No. IP-6-88) relating to variable      
annuity contracts offered as funding vehicles for retirement plans meeting the  
requirements of Section 403(b) of the Internal Revenue Code. Registrant further 
represents that it will comply with the provisions of paragraphs (1)-(4) of     
that letter.                                                                    

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SIGNATURES  

      As required by the Securities Act of 1933 and the Investment Company Act
of 1940, the Registrant has duly caused this Amendment to the Registration      
Statement to be signed on its behalf, in the City and State of New York, on     
this 22nd day of July, 2014.                                                    

                      SEPARATE ACCOUNT NO. 49 OF
                        AXA EQUITABLE LIFE INSURANCE
   COMPANY
                              (Registrant)

                             By:  AXA Equitable Life Insurance
             Company
                             (Depositor)

               By:  /s/ Dodie Kent
                                           -------------------------------------
                Dodie Kent
                                  Vice President and Associate
                     General Counsel

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SIGNATURES  

      As required by the Securities Act of 1933 and the Investment Company Act
of 1940, the Depositor has caused this Registration Statement to be signed on   
its behalf, by the undersigned, duly authorized, in the City and State of       
New York, on this 22nd day of July, 2014.                                     

                                      AXA EQUITABLE LIFE INSURANCE COMPANY
                                       (Depositor)

                     By:  /s/ Dodie Kent
                                              ----------------------------------
                      Dodie Kent
                                        Vice President and Associate
                           General Counsel

As required by the Securities Act of 1933 and the Investment Company Act of     
1940, this Registration Statement has been signed by the following persons in   
the capacities and on the date indicated:                                       

PRINCIPAL EXECUTIVE OFFICER:                                                    

*Mark Pearson                  Chairman of the Board, Chief Executive Officer,  
    Director and President

PRINCIPAL FINANCIAL OFFICER:                                                    

*Anders B. Malmstrom           Senior Executive Director                        
         and Chief Financial Officer

PRINCIPAL ACCOUNTING OFFICER:                                                   

*Andrea M. Nitzan              Executive Director and Chief Accounting Officer  

*DIRECTORS:                                                                     

Henri de Castries            Danny L. Hale   Lorie A. Slutsky                   
Ramon de Oliveira            Peter S. Kraus  Richard C. Vaughan                 
Denis Duverne                Mark Pearson                                       
Barbara Fallon-Walsh         Bertram Scott                                      

*By:  /s/ Dodie Kent                                                            
-------------------                                                 
Dodie Kent                                                          
Attorney-in-Fact                                                    
July 22, 2014                                                       

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EXHIBIT INDEX 

EXHIBIT                                             TAG                         
NO.                                                 VALUE                       
-------                                             -----                       

9      Opinion and Consent of Counsel              EX-99.9                    

10(b)  Powers of Attorney                          EX-99.10b                  

Dates Referenced Herein   and   Documents Incorporated by Reference

				Referenced-On Page
This ‘485APOS’ Filing		Date		First		Last			Other Filings
Filed on:		7/22/14		27
		5/31/14		24
		5/1/14		3		5			485BPOS,  497
		4/23/14		18					485BPOS
		4/22/14		23
		4/24/13		18					485BPOS
		4/30/12		19					485BPOS
		4/25/12		18		19			485BPOS
		4/24/12		7		19			485BPOS
		2/7/12		19
		1/1/12		7
		11/1/11		8
		8/17/11		19					497
		8/5/11		7		19			485BPOS
		6/7/11		19
		2/3/11		19
		12/15/10		19					497
		8/31/10		19					497
		8/16/10		19
		1/21/10		19
		9/29/09		19
		5/13/09		17		19			485BPOS,  CORRESP
		5/1/09		19					485BPOS
		4/23/09		17					485BPOS
		4/20/09		8
		4/15/09		19
		3/16/09		19
		2/13/09		19
		1/1/09		19
		11/1/08		8
		8/20/08		16		19			485APOS,  CORRESP
		5/1/08		19
		4/23/08		16					485BPOS
		2/15/08		8
		2/5/08		19
		1/1/08		19
		12/27/07		19					485BPOS
		10/15/07		16					485APOS
		5/25/07		19					485BPOS
		5/15/07		14		15			485BPOS,  497
		5/1/07		19					485BPOS
		4/27/07		19					N-4
		2/2/07		19
		1/30/07		15		19			485APOS
		11/1/06		8
		8/1/06		19
		6/15/06		14					485BPOS
		6/14/06		13		19			485BPOS
		6/1/06		19
		5/1/06		19					485BPOS
		4/20/06		13		19			485BPOS
		4/5/06		19
		10/14/05		13					485BPOS
		9/30/05		19
		8/11/05		7		8			N-4
		5/1/05		19
		4/20/05		8		13			485BPOS
		4/7/05		19
		11/1/04		8
		10/15/04		19
		10/1/04		19
		9/7/04		19
		7/19/04		7
		7/9/04		19
		5/3/04		12		13			485APOS
		4/19/04		7
		2/25/04		19
		2/10/04		19
		1/1/04		7
		8/1/03		19
		5/8/03		12					485APOS
		5/2/03		19
		4/23/03		12					485BPOS
		2/7/03		19
		1/1/03		7
		7/15/02		19					497
		3/8/02		11		18			485BPOS,  N-30B-2
		12/20/01		11					485APOS,  497
		12/10/01		19
		12/3/01		19
		4/25/01		10		11			485BPOS
		4/19/01		7
		1/1/01		7
		4/25/00		10
		1/1/00		7		8
		12/28/99		10					485APOS
		9/30/98		10					N-4
		5/22/98		10					485APOS
		5/1/98		10		18			485BPOS
		2/27/98		9		10			NSAR-U
		1/1/98		7
		12/31/97		9		10			24F-2NT,  485BPOS,  N-30B-2,  NSAR-U
		6/10/96		7
		4/23/96		10
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