Prospectus

Variable Annuity

Annuity Product Types:

Variable Annuity

Key Phrases:

Glossary:

Company Offering:

Web Site:

http://www.kclife.com/Prospectus/pdfs/va/brochure.pdf

Phone Number:

1-800-821-6164

Surrender Fees:

Variable Annuity Fields

Minimum Premium Payment:

5000

Minimum Additional Premium Payment:

Maximum Age at Start of Contract:

80 years

Minimum Total Fees and Expenses:

Maximum Total Fees and Expenses:

Minimum Mortality and Expense Risk Charge “M&E Fee”:

Maximum Mortality and Expense Risk Charge “M&E Fee”:

Administrative and Contract Maintenance Expense:

Administrative Fee:

$30

Minimum Investment Management Fee:

Maximum Investment Management Fee:

Ability to Select Asset Allocation:

Yes

Total Number of Investment Options:

Maximum Number of Concurrent Investment Options:

Minimum Fixed Account Rate Guarantee:

Free Withdrawals:

Yes

Free Withdrawal Limit:

Waiver of Withdrawal Charges:

Available

Guaranteed Death Benefit:

Available

Are Loans Allowed:

Yes

Are Telephone Transactions Allowed:

Yes

Commissions (Maximum):

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Key Phrases:

Glossary:

Annuity

Variable Annuity

Key Phrases:

Prospectus

Annuity Product Types:

Variable Annuity

The Accumulator B Series

Annuity Product Types:

Key Phrases:

Glossary:

Company Offering:

Web Site:

http://www.axa-equitable.com/annuities/accumulator/annuity.jsp

Phone Number:

(800) 789-7771

Prospectus URL:

http://www.axa-equitable.com/prospectus/pdf/Accumulator_Prospectus_Series_9.pdf

Surrender Fees:

Variable Annuity Fields

Minimum Premium Payment:

5000

Maximum Premium Payment:

1500000

Minimum Additional Premium Payment:

500

Maximum Age at Start of Contract:

85 years

Minimum Total Fees and Expenses:

Maximum Total Fees and Expenses:

Minimum Mortality and Expense Risk Charge “M&E Fee”:

Maximum Mortality and Expense Risk Charge “M&E Fee”:

Administrative and Contract Maintenance Expense:

Administrative Fee:

$30

Minimum Investment Management Fee:

Maximum Investment Management Fee:

Ability to Select Asset Allocation:

Yes

Total Number of Investment Options:

Maximum Number of Concurrent Investment Options:

Minimum Fixed Account Rate Guarantee:

Free Withdrawals:

Yes

Free Withdrawal Limit:

Waiver of Withdrawal Charges:

Available

Guaranteed Death Benefit:

Available

Are Telephone Transactions Allowed:

Yes

Commissions (Maximum):

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Key Phrases:

Glossary:

Annuity

Variable Annuity

Key Phrases:

Prospectus

Annuity Product Types:

Variable Annuity

"100% Principal Protection" Structured Notes Worth 9 Cents per Dollar

UBS Financial Services is defending itself from claims that its sales of structured products involved unfair sales practices, inadequate supervision, and recommendation of unsuitable investments. The claims involve the sale of structured products that were pitched as investment products that provide both the possibility of growth and principal protection. In other words, make money when the market rises but no losses when the market falls. Securities firms sold $120 billion of these structured...

Key Phrases:

Lehman

Arbitration

Prospectus