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Investment Edge® Variable Annuity May 1, 2017 Variable Annuities: • Are Not a Deposit of Any Bank • Are Not FDIC Insured • Are Not Insured by Any Federal Government Agency • Are Not Guaranteed by Any Bank or Savings Association • May Go Down in Value Issued by AXA Equitable Life Insurance Company. Table of Contents Variable Product Prospectus Page Investment Edge® 15.0 1 Summary Prospectuses Page Label Page Label AXA Premier VIP Trust EQ/PIMCO Global Real Return EQPGRR 1-5 AXA Aggressive Allocation AAA 1-5 EQ/PIMCO Ultra Short Bond EQPUS 1-5 AXA Moderate Allocation AMA 1-5 EQ/Small Company Index EQSCI 1-3 AXA Moderate-Plus Allocation AMPA 1-5 EQ/T. Rowe Price Growth Stock EQTGS 1-4 CharterSM Aggressive Growth CAGR 1-6 Multimanager Technology MMT 1-5 CharterSM Conservative CCON 1-6 CharterSM Growth CGR 1-6 CharterSM Moderate CMOD 1-6 CharterSM Moderate Growth CMGR 1-6 CharterSM Small Cap Growth CSCG 1-5 CharterSM Small Cap Value CSCV 1-5 EQ Advisors Trust 1290 VT Convertible Securities VTCS 1-5 1290 VT DoubleLine Opportunistic Bond VTDO 1-6 1290 VT Energy VTE 1-5 1290 VT Equity Income VTEI 1-4 1290 VT GAMCO Mergers & Acquisitions VTGM 1-5 1290 VT GAMCO Small Company Value VTGSC 1-3 1290 VT High Yield Bond VTHY 1-6 1290 VT Low Volatility Global Equity VTLG 1-4 1290 VT Natural Resources VTNR 1-4 1290 VT Real Estate VTRE 1-5 1290 VT SmartBeta Equity VTSB 1-4 1290 VT Socially Responsible VTSR 1-5 All Asset Growth-Alt 20 EQAA 1-7 AXA/AB Dynamic Moderate Growth AABDMG 1-7 AXA/AB Short Duration Government Bond AABSDGB 1-5 AXA/AB Small Cap Growth AASCG 1-4 AXA/Janus Enterprise AJEG 1-4 AXA/Loomis Sayles Growth ALSG 1-4 AXA/Templeton Global Equity Managed Volatility ATGEMV 1-6 EQ/BlackRock Basic Value Equity EQBBV 1-4 EQ/Common Stock Index EQCTI 1-3 EQ/Core Bond Index EQCBI 1-4 EQ/Emerging Markets Equity PLUS EQEMEP 1-5 EQ/Equity 500 Index EQ500I 1-3 EQ/Intermediate Government Bond EQIGB 1-4 EQ/International Equity Index EQIEI 1-4 EQ/Large Cap Growth Index EQLCGI 1-3 EQ/Large Cap Value Index EQLCVI 1-3 EQ/MFS International Growth EQMG 1-4 EQ/Mid Cap Index EQMCI 1-4 EQ/Money Market EQMM 1-4 EQ/Oppenheimer Global EQOG 1-4 343326 ® Please read and keep this Prospectus for future reference. It contains Investment Edge 15.0 important information that you should know before purchasing or taking A variable annuity contract any other action under your contract. This Prospectus supersedes all prior prospectuses and supplements. You should read the prospectuses Prospectus dated May 1, 2017 for each Trust, which contain important information about the portfolios. ® • EQ/International Equity Index Federated Insurance What is Investment Edge 15.0 ? • EQ/Large Cap Growth Index Series — Service Shares ® • EQ/LargeCapValueIndex • Federated High Income Bond Fund II Investment Edge 15.0 (“Investment Edge”) is a variable annuity • EQ/MFS International Growth • Federated Kaufman Fund II • EQ/Mid Cap Index contract issued by AXA Equitable Life Insurance Company. The ® ® ® •EQ/MoneyMarket Fidelity Variable series consists of Investment Edge , Investment Edge Select and • EQ/Oppenheimer Global Insurance Products Investment Edge® ADV. The contract provides for the accumulation of • EQ/PIMCO Global Real Return (VIP) — Service Class 2 ® ® retirement savings. The contract also offers death benefit protection • EQ/PIMCO Ultra Short Bond • Fidelity VIP Contrafund • EQ/Small Company Index • Fidelity® VIP Mid Cap and a number of payout options. You invest to accumulate value on a • EQ/T. Rowe Price Growth Stock • Fidelity® VIP Strategic Income • Multimanager Technology tax-deferred basis in one or more of our variable investment options. First Trust Variable ® AIM Variable Insurance Funds Insurance Trust The Investment Edge Select contract is also available through an (Invesco Variable • First Trust/Dow Jones Dividend & Income exchange program under which certain existing variable annuity con- Insurance Funds) — Series II Allocation tracts issued by AXA Equitable (“Prior Contracts”) may be exchanged • Invesco V.I. Balanced-Risk Allocation • First Trust Multi Income Allocation • Invesco V.I. Global Health Care for this contract. To see a summary comparison of some of the fea- • Invesco V.I. Global Real Estate Franklin Templeton Variable tures of Prior Contracts and the Investment Edge® Select contract, see • Invesco V.I. High Yield Insurance Products Trust — • Invesco V.I. International Growth Class 2 Appendix VIII — “Exchange program” later in this Prospectus. See • Invesco V.I. Small Cap Equity • Franklin Founding Funds Allocation VIP “How you can purchase and contribute to your contract” in • Franklin Income VIP AB Variable Product Series • Franklin Mutual Shares VIP “Contract features and benefits” for more information. Fund, Inc. – Class B • Franklin Rising Dividends VIP • AB VPS Global Thematic Growth • Templeton Global Bond VIP This Prospectus is a disclosure document and describes all of the con- • AB VPS Growth and Income tract’s material features, benefits, rights and obligations, as well as • AB VPS Real Estate Investment Guggenheim Variable Trust • AB VPS Small/Mid Cap Value • Guggenheim VIF Global Managed Futures other information. The description of the contract’s material provisions Strategy in this Prospectus is current as of the date of this Prospectus. If certain ALPS Variable Investment Trust — Class III Shares Hartford HLS Funds — material provisions under the contract are changed after the date of this • ALPS | Red Rocks Listed Private Equity Class IC Shares Prospectus in accordance with the contract, those changes will be • Hartford Capital Appreciation HLS American Century Variable • Hartford Growth Opportunities HLS described in a supplement to this Prospectus. You should carefully read Portfolios, Inc. — Class II this Prospectus in conjunction with any applicable supplements. • American Century VP Inflation Protection JPMorgan Insurance Trust — • American Century VP Mid Cap Value Class 2 Shares The contract may not currently be available in all states. In addition, • JPMorgan Insurance Trust Global Allocation American Funds Insurance • JPMorgan Insurance Trust Income Builder certain features described in this Prospectus may vary in your state. For Series® —Class4Shares a state-by-state description of all material variations to this contract, • American Funds Insurance Series® Asset Ivy Variable Insurance Allocation Fund Portfolios see Appendix III later in this Prospectus. We can refuse to accept any • American Funds Insurance Series® Global • Ivy VIP Asset Strategy application. We can refuse to accept any contribution from you at any Growth Fund •IvyVIPEnergy • American Funds Insurance Series® Global • IvyVIPMicroCapGrowth time, including after you purchase the contract. Small Capitalization Fund • Ivy VIP Science and Technology • American Funds Insurance Series® Our variable investment options are subaccounts of Separate Account Growth-Income Fund Janus Aspen Series — No. 70. Each variable investment option, in turn, invests in a correspond- • American Funds Insurance Series® Service Shares International Growth and Income Fund • Janus Henderson Balanced(4) ing securities portfolio (“Portfolio”) of one of the trusts (the “Trusts”). • American Funds Insurance Series® • Janus Henderson Flexible Bond(4) Below is a complete list of the variable investment options: New World Fund® • Janus Henderson U.S. Low Volatility Portfolio(4) BlackRock Variable Series Variable investment options Funds, Inc. — Class III Lazard Retirement Series, AXA Premier VIP Trust • 1290 VT GAMCO Small Company • BlackRock Global Allocation V.I. Inc. — Service Shares • AXA Aggressive Allocation Value(1) • BlackRock Global Opportunities V.l. • Lazard Retirement Emerging Markets Equity (1) • AXA Moderate Allocation • 1290 VT High Yield Bond ® (1) Delaware VIP — Service Class Legg Mason — Share Class II • AXA Moderate-Plus Allocation • 1290 VT Low Volatility Global Equity ® SM (1) • Delaware VIP Diversified Income Series • ClearBridge Variable Aggressive Growth •Charter Aggressive Growth • 1290 VT Natural Resources • Delaware VIP® Emerging Markets Series • ClearBridge Variable Dividend Strategy •CharterSM Alternative 100 Moderate(2) • 1290 VT Real Estate(1) ® SM (1) • Delaware VIP Limited-Term Diversified • QS Legg Mason Dynamic Multi-Strategy VIT •Charter Conservative • 1290 VT SmartBeta Equity Income Series •CharterSM Growth • 1290 VT Socially Responsible •CharterSM Income Strategies(2) • All Asset Aggressive - Alt 25(2) Eaton Vance Variable Trust •CharterSM Interest Rate Strategies(2) • All Asset Aggressive - Alt 50(2) • Eaton Vance VT Floating-Rate Income •CharterSM International Moderate(2) • All Asset Aggressive - Alt 75(2) •CharterSM Moderate • AllAssetGrowth-Alt20(3) •CharterSM Moderate Growth • AXA/AB Dynamic Moderate Growth •CharterSM Real Assets(2) • AXA/AB Short Duration Government Bond •CharterSM Small Cap Growth •AXA/ABSmallCapGrowth The SEC has not approved or disapproved these securities or •CharterSM Small Cap Value • AXA/Janus Enterprise • AXA/Loomis Sayles Growth determined if this Prospectus is accurate or complete. Any EQ Advisors Trust (1) • AXA/Templeton Global Equity Managed representation to the contrary is a criminal offense. The • 1290 VT Convertible Securities Volatility • 1290 VT DoubleLine Opportunistic contracts are not insured by the FDIC or any other agency. (1) • EQ/BlackRock Basic Value Equity Bond • EQ/Common Stock Index They are not deposits or other obligations of any bank and • 1290 VT Energy(1) (1) • EQ/Core Bond Index • 1290 VT
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