Document:

GUARANTEED MINIMUM INCOME BENEFIT ("GMIB") RIDER
                       (ALSO KNOWN AS THE LIVING BENEFIT)

This rider is part of your [Contract/Certificate], and the same definitions
apply to the capitalized terms used herein. The benefit described in this rider
is subject to all the terms contained in your [Contract/Certificate], except as
modified below. In this rider, "we", "our", and "us" means AXA Equitable Life
Insurance Company and "you" and "your" means the Owner.

THIS RIDER'S BENEFIT

      On the Transaction Date that you exercise the Guaranteed Minimum Income
      Benefit (GMIB), the annual lifetime income that will be provided under the
      fixed payout option selected will be the greater of (i) the GMIB, and (ii)
      the amount of income that would be provided by application of the Annuity
      Account Value as of the Transaction Date at our then current annuity
      purchase factors for the same payout option. The GMIB benefit base, as
      defined below, is applied to guaranteed minimum annuity purchase factors
      to determine the GMIB. The guaranteed minimum annuity purchase factors are
      shown in the attached table.

      You may apply amounts during the period of time indicated below to receive
      a minimum amount of guaranteed lifetime income under either (i) our Life
      Annuity payout option or (ii) our Life Annuity with a Period Certain
      payout option. Other options may be available at the time of exercise. The
      Life Annuity payout option provides fixed annuity payments while the
      Annuitant is living. Payments end with the last payment made before the
      Annuitant's death. The Life Annuity payout option is also available on a
      joint and survivor basis.

      This rider does not provide a Cash Value or any minimum account value.

      [APPLICABLE FOR [CONTRACTS/CERTIFICATES] ISSUED IN THE QP, TSA AND IRA
      MARKETS]
      [The Life Annuity with a Period Certain payout option provides
      payment during a period certain with payments continuing for life
      thereafter. The period certain is based on the Annuitant's age at the time
      the Life Annuity with a Period Certain payout option is elected. The
      period certain is 10 years for Annuitants' age 60 through 75; 9 years for
      age 76; 8 years for age 77; 7 years for ages 78 through 83; 6 years for
      age 84; and 5 years for age 85. The Life Annuity with a Period Certain
      payout option is also available on a joint and survivor basis.]

      [APPLICABLE FOR [CONTRACTS/CERTIFICATES] ISSUED IN THE NQ MARKETS]
      [The Life Annuity with a Period Certain payout option provides payment
      during a period certain with payments continuing for life thereafter. The
      period certain is based on the Annuitant's age at the time the Life
      Annuity with a Period Certain payout option is elected. The period certain
      is 10 years for Annuitants' age 60 through 80; 9 years for age 81; 8 years
      for age 82; 7 years for age 83; 6 years for age 84; and 5 years for age
      85. The Life Annuity with a Period Certain payout option is also available
      on a joint and survivor basis.]

CONDITIONS OF THIS RIDER

      [Contracts/Certificates] issued in the Tax Sheltered Annuity and Qualified
      Plan markets must convert to a traditional IRA [Contract/Certificate] to
      exercise the GMIB unless GMIB is automatically exercised as described
      below in "GMIB No Lapse Guarantee."

      [APPLICABLE FOR ANNUITANT ISSUE AGES 20 THROUGH 44]
      The GMIB may be exercised only within 30 days following each Contract Date
      Anniversary beginning with the [15th] or later Contract Date Anniversary
      under this [Contract/Certificate]. However, it may not be exercised later
      than the Contract Date Anniversary following the Annuitant's [85th]
      birthday.

      [APPLICABLE FOR ANNUITANT ISSUE AGES 45 THROUGH 49]
      The GMIB may be exercised only within 30 days following each Contract Date
      Anniversary on or after the Annuitant's [60th] birthday. However, it may
      not be exercised later than the Contract Date Anniversary following the
      Annuitant's [85th] birthday.

2003GMIB(rev1105)OPR                     1

<PAGE>

      [APPLICABLE FOR ANNUITANT ISSUE AGES 50 THROUGH 75]
      The GMIB may be exercised only within 30 days following each Contract Date
      Anniversary beginning with the [10th] or later Contract Date Anniversary
      under this [Contract/Certificate]. However, it may not be exercised later
      than the Contract Date Anniversary following the Annuitant's [85th]
      birthday.

      You will begin receiving [annual] payments [12] months after the GMIB
      supplementary contract is issued which reflects the terms of this benefit.

      GUARANTEED MINIMUM INCOME BENEFIT BASE - On the Contract Date, your [6%]
      Roll Up to Age [85] and Annual Ratchet to Age [85] benefit bases are both
      equal to your initial Contribution [plus any Credit]. Thereafter, both
      benefit bases are adjusted for any subsequent Contributions, [Credits] and
      withdrawals and your GMIB benefit base is equal to the greater of your
      [6%] Roll up to Age [85] or Annual Ratchet to Age [85] benefit base.

      [6%] ROLL UP TO AGE [85]
      Your [6%] Roll up to Age [85] benefit base is credited each day with
      interest at an annual effective rate of [6%] ([3%] for amounts in the
      [EQ/Money Market Fund, EQ/Alliance Intermediate Government Securities
      Fund, EQ/Short Duration, Fixed Maturity Options [APPLICABLE IF THE GPB
      OPTION 2 IS ELECTED] [and Special Ten Year FMO]], Guaranteed Interest
      Account and the loan reserve account (if applicable) through the Contract
      Date Anniversary following the Annuitant's [85th] birthday (or the
      Annuitant's death, if earlier), and 0% thereafter. [The Guaranteed Minimum
      Income Benefit interest rate applicable during the period selected for the
      Special Dollar Cost Averaging Account, if applicable, will be [6%] and for
      the Money Market Fund (12 Month) Dollar Cost Averaging Account, if
      applicable, will be [6%].]

         OPTIONAL RE-SET OF [6%] ROLLUP TO AGE [85] GMIB BENEFIT BASE:

         On or within 30 days following the [fifth] or later Contract Date
         Anniversary, you may re-set your [6%] Rollup to Age [85] GMIB Benefit
         Base to equal the Annuity Account Value on the immediately preceding
         Contract Date Anniversary. The [6%] Rollup continues on your re-set
         Benefit Base. When you re-set your [6%] Rollup to Age [85] GMIB Benefit
         Base, you may not re-set the Benefit Base again until the 5th or later
         Contract Date Anniversary following the re-set. Re-set is not permitted
         after the Contract Date Anniversary following the Annuitant's [75th]
         birthday.

         When you re-set your [6%] Rollup to Age [85] GMIB Benefit Base, you may
         not exercise GMIB as described under Conditions of this Rider until the
         [10th] Contract Date Anniversary following the re-set.

         When you re-set the your [6%] Rollup to Age [85] GMIB Benefit Base your
         [6%] Rollup to Age [85] GMDB Benefit Base is automatically re-set as
         described in your Guaranteed Minimum Death Benefit Rider.

      ANNUAL RATCHET TO AGE [85]
      For the Annual Ratchet to Age [85] benefit base, on each Contract Date
      Anniversary up to the Contract Date Anniversary following the Annuitant's
      [85th] birthday, if the Annuity Account Value is greater than the current
      Annual Ratchet to Age [85] benefit base, the Annual Ratchet to Age [85]
      benefit base is re-set to equal the Annuity Account Value.

2003GMIB(rev1105)OPR                     2

<PAGE>

EFFECT OF WITHDRAWALS

NOTE TO REGULATOR: THERE ARE THREE ALTERNATIVES FOR ADJUSTING THE GMIB BENEFIT
BASE FOR WITHDRAWALS. THEY ARE REFERENCED BELOW AS OPTION 1, 2 AND 3. ALL
ADJUSTMENTS ARE DETERMINED ON A CONTRACT YEAR BASIS. THE ONE OPTION WE IMPLEMENT
WILL BE REFLECTED IN THIS RIDER AS ISSUED AND WILL NOT CHANGE FOR AN ANNUITANT
ONCE ISSUED.

      OPTION 1 (DOLLAR FOR DOLLAR ADJUSTMENT ON [6%] OF WITHDRAWALS AND PRO-RATA
      -------------------------------------------------------------------------
      THEREAFTER FOR BOTH GMIB BENEFIT BASES):
      ----------------------------------------

      [The [6%] Roll Up to Age [85] and the Annual Ratchet to Age [85] benefit
      bases will each be reduced by withdrawals. The reduction is determined
      separately for each benefit base. The reduction of the benefit base is on
      a dollar-for-dollar basis as long as the sum of your withdrawals in that
      Contract Year is [6%] or less of the respective benefit base as of the
      beginning of the Contract Year. Once a withdrawal is made that causes
      cumulative withdrawals in a Contract Year to exceed [6%] of the respective
      benefit base as of the beginning of the Contract Year, that entire
      withdrawal and any subsequent withdrawals in that Contract Year will cause
      a pro rata reduction of the respective benefit base. (Because your benefit
      bases may differ from each other, the same withdrawal may produce a pro
      rata adjustment in one benefit base and not in the other benefit base.)]

      OPTION 2 FOR [6%] ROLL-UP GMIB BENEFIT BASE ONLY: Dollar for Dollar
      -------------------------------------------------------------------
      Adjustment on [6%] of Withdrawals, and Pro-rata thereafter; FOR ANNUAL
      -----------------------------------------------------------------------
      RATCHET GMIB BENEFIT BASE ONLY: Pro-rata adjustment)
      ----------------------------------------------------

       [The [6%] Roll Up to Age [85] and the Annual Ratchet to Age [85] benefit
      bases will each be reduced by withdrawals. The reduction is determined
      separately for each benefit base. The Annual Ratchet to Age [85] benefit
      base will be reduced pro rata by all withdrawals. The reduction of the
      Roll Up to Age [85] benefit base is on a dollar-for-dollar basis as long
      as the sum of your withdrawals in that Contract Year is [6%] or less of
      the [6%] Roll Up to Age [85] benefit base as of the beginning of the
      Contract Year. Once a withdrawal is made that causes cumulative
      withdrawals in a Contract Year to exceed [6%] of the benefit base as of
      the beginning of the Contract Year, that entire withdrawal and any
      subsequent withdrawals in that Contract Year will cause a pro rata
      reduction of the Roll Up to Age [85] benefit base.]

      OPTION 3 (PRO-RATA ADJUSTMENT OF WITHDRAWALS FOR BOTH GMIB BENEFIT BASES):
      --------------------------------------------------------------------------

      [The [6%] Roll up to Age [85] and the Annual Ratchet to Age [85] benefit
      bases will each be reduced pro rata by withdrawals. The reduction is
      determined separately for each benefit base.]

      A pro rata reduction is determined as follows:
      1) Divide the amount of your withdrawal by your Annuity Account Value
      immediately preceding the withdrawal;
      2) Multiply the fraction calculated in (1) by the amount of your benefit
      base immediately preceding the withdrawal. This is the amount of the pro
      rata reduction.

      The GMIB benefit base will also be reduced by any withdrawal charge
      remaining on the Transaction Date that the Owner exercises the GMIB. The
      amount of the charge is a withdrawal that will reduce the GMIB benefit
      base as described above.

      The GMIB benefit base does not create an Annuity Account Value or a Cash
      Value and is used solely for purposes of calculating the GMIB.

2003GMIB(rev1105)OPR                     3

<PAGE>

[FOR NQ AND  IRA MARKET SEGMENTS ONLY]
[SPECIAL RULES FOR SUCCESSOR OWNER/ANNUITANT

      [If the Owner/Annuitant dies and the surviving spouse (who is the joint
      owner or the sole primary beneficiary) elects to become Successor
      Owner/Annuitant (SOA) and is age [84] or younger, the GMIB crediting
      continues until the Contract Date Anniversary following the SOA's [85th]
      birthday unless (i) on the date of the original Owner/Annuitant's death,
      the SOA was age [85] or older or the SOA will become [85] prior to the end
      of the original Owner/Annuitant's waiting period under "Conditions of this
      Rider," above, or (ii) at the time of death, the original Owner/Annuitant
      had attained age [85] and GMIB crediting had stopped or the
      [Contract/Certificate] was past the last possible GMIB exercise date.

      If GMIB crediting is continued under the preceding paragraph, then this
      rider and the charge for it remain in effect as follows. Determination of
      the Contract Date Anniversary is not affected by the death of the original
      Owner/Annuitant. The Annuitant age for determining when GMIB may be
      exercised under "Conditions of this Rider," above, is based on the SOA's
      age as of the date of the original Owner/Annuitant's death. The number of
      Contract Years that must elapse before eligibility for an "Optional Re-set
      of [6%] Rollup to Age [85] GMIB Benefit Base" and the additional waiting
      period for exercise of GMIB as a result of any such optional re-set, as
      described above, are not affected by the death of the first Owner.

      If GMIB crediting is not continued as described above, the GMIB feature
      and GMIB charge terminate upon the death of the original Owner/Annuitant
      and are not reinstated for the SOA.]

GMIB NO LAPSE GUARANTEE:

APPLICABLE TO NQ, IRA AND QP MARKETS ONLY:

[If your Annuity Account Value falls to zero before the Contract Date
Anniversary following the Annuitant's [85th] birthday while this
[Contract/Certificate] is in force and there have been no withdrawals from your
[Contract/Certificate] other than as described below under "Conditions of the
GMIB No Lapse Guarantee," then your GMIB will be exercised automatically on the
Transaction Date that the Annuity Account Value falls to zero. The annual
lifetime income that will be provided under GMIB will be based on the
Annuitant's age and the value of the GMIB Benefit Base on the Transaction Date
that the Annuity Account Value falls to zero, notwithstanding any waiting period
described above in "Conditions of this Rider". Annual GMIB payments will be
based on a single life annuity with a ten year period certain and begin one
calendar year after the Transaction Date that the Annuity Account Value falls to
zero. You may notify us in writing, within 30 days of your receipt of notice
from us stating that your Annuity Account Value has fallen to zero, if you wish
to change the frequency of payments.]

     APPLICABLE TO TSA MARKET ONLY:

     [If your Annuity Account Value falls to zero while you are eligible to take
     distributions from the [Contract/Certificate] and before the Contract
     Date Anniversary following the Annuitant's [85th] birthday, due to the
     conditions described below, GMIB will be exercised as of the Transaction
     Date that the Annuity Account Value falls to zero. The annual lifetime
     income that will be provided under GMIB will be based on the Annuitant's
     age and the value of the GMIB Benefit Base on the Transaction Date that
     the Annuity Account Value falls to zero, notwithstanding any waiting
     period described above in "Conditions of this Rider. You may notify us
     in writing regarding your choice of the form of annuity we are then
     offering for GMIB exercise.]

2003GMIB(rev1105)OPR                     4

<PAGE>

Conditions of the GMIB No Lapse Guarantee:

The No Lapse Guarantee described above applies only if there are no withdrawals
from your [Contract/Certificate] other than:

     (i)   Withdrawals due to "Charges Deducted from Annuity Account Value" as
           described in Section 8.02, and
     (ii)  Withdrawals during a Contract Year that, in aggregate, do not exceed
           [6%] of the beginning of Contract Year [6%] Rollup to Age [85]
           GMIB Benefit Base.

Any withdrawal in excess of the above will cause the GMIB No Lapse Guarantee to
terminate irrevocably. Termination of the No Lapse Guarantee provision does not
cause termination of the other provisions of this Rider.

THE COST OF THIS RIDER

      The charge for this benefit is shown in the Data Pages.

GENERAL PROVISIONS OF THIS RIDER

      Upon the occurrence of any of the following, this rider and any charge
      associated herewith will terminate: (i) the [Contract/Certificate]
      terminates, (ii) the Annuitant reaches the Contract Date Anniversary
      following his/her [85th] birthday, (iii) the [Contract/Certificate] is
      continued under the Beneficiary Continuation Option, if applicable, or
      (iv) the [Contract/Certificate] is annuitized including exercise of
      Guaranteed Minimum Income Benefit (also referred to as Living Benefit).

AXA EQUITABLE LIFE INSURANCE COMPANY
[OBJECT OMITTED]  [GRAPHIC OMITTED][GRAPHIC OMITTED]

/S/Christopher M. Condron                            /S/Pauline Sherman
-------------------------                            ------------------
Christopher M. Condron                               Pauline Sherman
Chairman and Chief Executive Officer                 Senior Vice President,
                                                     Secretary and Associate
                                                     General Counsel

2003GMIB(rev1105)OPR                     5

<PAGE>

                        GUARANTEED MINIMUM INCOME BENEFIT
                       TABLE OF GUARANTEED MINIMUM ANNUITY
                                PURCHASE FACTORS
                         FOR INITIAL LEVEL ANNUAL INCOME
                             [SINGLE LIFE] - [MALE]

                               PURCHASE FACTORS

Election Age       Life Annuity with a Period Certain           Life Annuity
------------       ----------------------------------           ------------

                          NQ/[IRA]
     [60                   4.94                                    5.15%
      61                   5.02                                    5.26
      62                   5.11                                    5.38
      63                   5.20                                    5.51
      64                   5.30                                    5.64
      65                   5.40                                    5.79
      66                   5.50                                    5.94
      67                   5.60                                    6.10
      68                   5.70                                    6.27
      69                   5.81                                    6.45
      70                   5.91                                    6.64
      71                   6.02                                    6.84
      72                   6.12                                    7.06
      73                   6.21                                    7.28
      74                   6.31                                    7.51
      75                   6.40                                    7.76
      76                6.50/6.69                                  8.03
      77                6.59/7.01                                  8.31
      78                6.66/7.38                                  8.61
      79                6.74/7.53                                  8.93
      80                6.81/7.67                                  9.27
      81                7.16/7.81                                  9.64
      82                7.57/7.93                                 10.02
      83                   8.05                                   10.43
      84                   8.60                                   10.87
      85                   9.25                                   11.34]

Other forms of annuities may be available.

2003GMIB(rev1105)OPR                     6GUARANTEED MINIMUM DEATH BENEFIT ("GMDB") RIDER
               GREATER OF [6%] ROLLUP TO AGE [85] GMDB OR ANNUAL
                            RATCHET TO AGE [85] GMDB

This rider is part of your [Contract/Certificate], and the same definitions
apply to the capitalized terms used herein. The benefit described in this rider
is subject to all the terms contained in your [Contract/ Certificate], except as
modified below. In this rider, "we", " our" and "us" mean AXA Equitable Life
Insurance Company and "you" and "your" mean the Owner.

THIS RIDER'S BENEFIT

On the Contract Date, your [6%] Roll Up to Age [85] Guaranteed Minimum Death
Benefit (GMDB) and Annual Ratchet to age [85] GMDB are both equal to your
initial Contribution [plus any Credit]. Thereafter, the GMDB is the greater of
the [6%] Roll Up to Age [85] GMDB or the Annual Ratchet to Age [85] GMDB.

[6%] ROLL UP TO AGE [85] GMDB

For the [6%] Roll Up to Age [85] GMDB, the GMDB is credited each day with
interest at an annual effective rate of [6%] ([3%] for amounts in the [EQ/ Money
Market Fund, EQ/Alliance Intermediate Government Securities, EQ/Short Duration,
Guaranteed Interest Account, the Fixed Maturity Options [APPLICABLE IF THE GPB
OPTION 2 IS ELECTED] [and Special Ten Year FMO, [and the loan reserve for the
TSA market]]) through the Contract Date Anniversary following the Annuitant's
[85th ] birthday (or the Annuitant's death, if earlier), and 0% thereafter. [The
GMDB interest rate applicable during the period selected for the Special Dollar
Cost Averaging Account, if applicable, will be [6%] and for the Money Market
Fund (12 Month) Dollar Cost Averaging Account, if applicable, will be [6%].] The
GMDB is also adjusted for any subsequent Contributions, [Credits] and
withdrawals as described under "Effects of Withdrawals" below.

         OPTIONAL RE-SET OF [6%] ROLLUP TO AGE [85] GMDB :

         On or within 30 days following the [fifth] or later Contract Date
         Anniversary, you may elect to re-set your [6%] Rollup to Age [85] GMDB
         to equal the Annuity Account Value on the immediately preceding
         Contract Date Anniversary. The [6%] Rollup continues on your re-set
         GMDB. When you re-set your [6%] Rollup to Age [85] GMDB, you may not
         re-set the GMDB again until the 5th or later Contract Date Anniversary
         following the re-set. Re-set is not permitted after the Contract Date
         Anniversary following the Annuitant's [75th] birthday.

         When you re-set your [6%] Rollup to Age [85] GMDB, your [6%] Rollup to
         Age [85] GMIB Benefit Base is automatically re-set as described in your
         Guaranteed Minimum Income Benefit Rider.

ANNUAL RATCHET TO AGE [85] GMDB

For the Annual Ratchet to Age [85] GMDB, on each Contract Date Anniversary up to
the Contract Date Anniversary following the Annuitant's [85th] birthday, if the
Annuity Account Value is greater than the current GMDB, the GMDB is re-set to
equal the Annuity Account Value. The GMDB is also adjusted for any subsequent
Contributions, [Credits] and withdrawals as described under "Effects of
Withdrawals" below.

2003GMDB(rev1105)OPR                                1

<PAGE>

IF SPOUSAL PROTECTION IS ELECTED BY JOINT OWNERS: [A GMDB that by its terms
accumulates to Annuitant age [85] will instead accumulate to age [85] of the
older Joint Owner for the life of the [Certificate/Contract], regardless of the
age of the named Annuitant. Notwithstanding the conditions of the previous
sentence, the terms and conditions of the optional re-set of your [6%] Rollup to
Age [85] GMDB are determined by the age of the Annuitant. The GMDB is frozen on
the Contract Date Anniversary following the older Joint Owner's [85th] birthday,
even if the older Joint Owner has died and thereafter is adjusted for
Contributions and withdrawals in accordance with its terms. The preceding
continues to apply even when the younger Joint Owner becomes the Successor Owner
Annuitant.]

EFFECT OF WITHDRAWALS

NOTE TO REGULATOR: THERE ARE THREE ALTERNATIVES FOR ADJUSTING THE GUARANTEED
MINIMUM DEATH BENEFIT FOR WITHDRAWALS. THEY ARE REFERENCED BELOW AS OPTION 1, 2
AND 3. ALL ADJUSTMENTS ARE DETERMINED ON A CONTRACT YEAR BASIS. THE ONE OPTION
WE IMPLEMENT WILL BE REFLECTED IN THIS RIDER AS ISSUED AND WILL NOT CHANGE FOR
AN ANNUITANT ONCE ISSUED.

OPTION 1  (DOLLAR FOR DOLLAR ADJUSTMENT ON [6]% OF WITHDRAWALS AND PRO-RATA
---------------------------------------------------------------------------
THEREAFTER FOR BOTH GMDBS):
--------------------------

[The [6%] Roll Up to Age [85] GMDB and the Annual Ratchet to Age [85] GMDB will
each be reduced by withdrawals. The reduction is determined separately for each
GMDB. The reduction of the GMDB is on a dollar-for-dollar basis as long as the
sum of your withdrawals in a Contract Year is [6%] or less of the GMDB as of the
beginning of the Contract Year. Once a withdrawal is made that causes cumulative
withdrawals in a Contract Year to exceed [6%] of the GMDB as of the beginning of
the Contract Year, that entire withdrawal and any subsequent withdrawals in that
Contract Year will cause a pro rata reduction of the GMDB. (Because your Annual
Ratchet to Age [85] GMDB may differ from your [6%] Roll Up to Age [85] GMDB, the
same withdrawal may produce a pro rata adjustment in one GMDB and not in the
other GMDB.)]

OPTION 2  (FOR [6]% ROLL-UP GMDB ONLY:  DOLLAR FOR DOLLAR ADJUSTMENT ON [6]% OF
-------------------------------------------------------------------------------
WITHDRAWALS, AND PRO-RATA  THEREAFTER;  FOR ANNUAL RATCHET GMDB ONLY:
--------------------------------------------------------------------
PRO-RATA ADJUSTMENT)
-------------------

 [The [6%] Roll Up to Age [85] and the Annual Ratchet to Age [85] GMDB will each
be reduced by withdrawals. The reduction is determined separately for each GMDB.
The Annual Ratchet to Age [85] GMDB will be reduced pro rata by all withdrawals.
The reduction of the Roll Up to Age [85] GMDB is on a dollar-for-dollar basis as
long as the sum of your withdrawals in that Contract Year is [6%] or less of the
GMDB as of the beginning of the Contract Year. Once a withdrawal is made that
causes cumulative withdrawals in a Contract Year to exceed [6%] of the GMDB as
of the beginning of the Contract Year, that entire withdrawal and any subsequent
withdrawals in that Contract Year will cause a pro rata reduction of the Roll Up
to Age [85] GMDB.]

OPTION 3  (PRO-RATA ADJUSTMENT OF WITHDRAWALS FOR BOTH GMDBS):

[The [6%] Roll Up to Age [85] GMDB and the Annual Ratchet to Age [85] GMDB will
each be reduced pro rata by withdrawals. The reduction is determined separately
for each GMDB.]

A pro rata reduction is determined as follows:
1) Divide the amount of the withdrawal by your Annuity Account Value immediately
preceding the withdrawal;
2) Multiply the fraction calculated in (1) by the amount of your GMDB
immediately preceding the withdrawal. This is the amount of the pro rata
reduction. We will reduce your GMDB by this amount. We will make this reduction
as of the Transaction Date of each withdrawal.

2003GMDB(rev1105)OPR                         2

<PAGE>

[FOR NQ AND IRA MARKET SEGMENTS ONLY]
[SPECIAL RULES FOR SUCCESSOR OWNER/ANNUITANT

If the Owner/Annuitant dies and the surviving spouse (who is the joint owner or
sole primary beneficiary) elects to become Successor Owner/Annuitant (SOA), the
Annuity Account Value for the continued [Contract/Certificate] will be equal to
the greater of (i) the Annuity Account Value as of the date we receive due proof
of the Owner/Annuitant's death, or (ii) the GMDB as of the date of the
Owner/Annuitant's death. If the GMDB is greater than the Annuity Account Value,
we will re-set the Annuity Account Value to equal the GMDB. Any additional
amount of Annuity Account Value will be allocated in accordance with the current
allocation instructions on file. We do not re-set the GMDB if the Annuity
Account Value is higher.

In determining whether this rider will continue to apply, we will use the age of
the SOA as of the as of the date of death of the original Owner/Annuitant.

        o   If the SOA is age [75] or younger as of the date of death, this
            optional GMDB continues until the Contract Date Anniversary
            following the SOA's [85th] birthday. If the GMDB had ended due to
            the original Owner/Annuitant attaining age [85], we will reinstate
            the GMDB if the SOA is eligible.

        o   If the SOA is age [76] or older, the GMDB value is frozen as of
            the date of death of the original Owner/Annuitant (and adjusted
            for any contributions and withdrawals thereafter) and any charge
            that applies ends.

Withdrawal charges will no longer apply to Contributions made prior to the
original Owner/Annuitant's death. Withdrawal charges apply to any Contributions
made by the SOA after the original Owner/Annuitant's death.]

THE COST OF THIS RIDER

The charge for this benefit is shown in the Data Pages.

GENERAL PROVISIONS OF THIS RIDER

Upon the occurrence of any of the following, this rider and any charge
associated herewith will terminate: (i) the [Contract/Certificate] terminates,
(ii) SOA is elected and the SOA is age [76] or older as of the date of death of
the original Annuitant , (iii) the [Contract/Certificate] is continued under the
Beneficiary Continuation Option, if applicable, or (iv) the
[Contract/Certificate is annuitized, including exercise of Guaranteed Minimum
Income Benefit (also referred to as Living Benefit), if applicable.

AXA EQUITABLE LIFE INSURANCE COMPANY
[OBJECT OMITTED]  [GRAPHIC OMITTED][GRAPHIC OMITTED]

/S/Christopher M. Condron                              /S/Pauline Sherman
-------------------------                              ------------------
Christopher M. Condron                                 Pauline Sherman
Chairman and Chief Executive Officer                   Senior Vice President,
                                                       Secretary and Associate
                                                       General Counsel

2003GMDB(rev1105)OPR                         3

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