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          CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350, AS ADOPTED
           PURSUANT TO SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

In connection with the Quarterly Report on Form 10-Q of AXA Equitable Life
Insurance Company (the "Company") for the quarter ended September 30, 2009, as
filed with the Securities and Exchange Commission on the date hereof (the
"Report"), I, Richard S. Dziadzio, Executive Vice President and Chief Financial
Officer of the Company, certify, pursuant to 18 U.S.C. Section 1350, as adopted
pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that:

(1) the Report fully complies with the requirements of Section 13(a) or 15(d) of
the Securities Exchange Act of 1934, as amended; and

(2) the information contained in the Report fairly presents, in all material
respects, the financial condition and results of operations of the Company.

Date:  November 9, 2009


/s/ Richard S. Dziadzio
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Richard S. Dziadzio
Executive Vice President and
Chief Financial Office