If I'd been smart enough to research this company before investing my retirement funds with them I would have gone elsewhere. After putting me on hold I found myself back in a queue where I was 39 in the queue. In the event of death or total and permanent disability (before age 65) or critical illness of the Payer, future premiums of the basic policy will be waived. by Unhappy, by Investor, They even said that she was supposed to file the POA with them, but didn't. This time I was 42 in the queue and finally got a customer service rep who actually listened to the fact that my accounts had appeared to disappear, she told me that she would transfer me to the right department that could help me, saying she would stay on the line with me till i got someone. These plans include:-Best SRS Retirement Plan for Additional Disability income – Manulife RetireReady Plus-Best SRS Retirement plan for Inflation-proofed Income [Lifetime] – AXA Retire … The company offers clients the following investment products: Mutual Funds, UITs, Bonds, CDs, ETFs, Stocks, Money Markets, Alternative Investments, Concentrated Equity Strategies, AXA … 4/17/2019. He did say that he was sorry but that when the calling queue gets long agents are only given 1 minute to respond to a caller and if they think it will take longer they are told to hang up. My first two meetings led me to believe they would guide me in the right direction. The withdrawal form is 16 pages! I set up an account at the advice of a family friend (first mistake). I was also told the distribution of my funds via the first withdrawal were a mistake so they shouldn't have made it! He said, "combinded"...I am not using them based on this. Prepare for a comfortable retirement with a 401(k) plan. by Mr. Miller, He told me that it looked like the person processing the one account had not done something right for the direct deposit. This company, and I believe annuities in general, are total rip offs of the public. They hire young recent grads and with little training coach them to lure their family and friends to come over as clients. by Dennis, He also said he would put a complaint in the customer care department and that someone from there would be in touch with me for the problems I had. Make retirement a fulfillment of your long cherished dream with Bharti AXA Dream Life Pension plan. Very adept at hiding their poor performance and large hidden fees. I plan on moving my money as soon as I can. I used to work for this company. These guys have an antiquated payments system. AXA Equitable 401k Plan … 6/7/2020. It wasn't until then did I decide to truly do work with an AXA advisor. Cons: It's all a scheme. Policy Illustration for AXA Super CritiCare, Jane. AXA Equitable manages 401(k), 403(b), and 457 (b) plans. After doing some deep digging with another advisor I found I was paying a total of 5% AXA managing fees. 1/29/2020. I’ve rolled money from another retirement account previously and it was so simple. +They can shop the whole market, not just quote you one company's price like Northwestern Mutual does. by Russ V, Cons: Brokers do not service client accounts. Terrible customer service. Now I am totally freaking out since Im thinking someone stole the money out of my accounts I searched my house and finally found a paper with the account numbers from before I went paperless. The first option is that you can choose to receive a yearly payout from the guaranteed portion from the 2nd policy year until the policy matures. What does it take to get someone at AXA to call me back?? The service assists businesses in choosing from a variety of 401(k) plan design and investment options. As this is mostly a savings plan, the insurance coverage provided by the AXA SavvySaver is expectedly limited. They sent link that we can’t open. Glassdoor is your resource for information about the Retirement Plan benefits at AXA. We were sold an annuity described as a mutual fund portfolio and it was explained to us the only fee was their split of expense ratio's with the mutual fund companies. I trusted the agent which was a big mistake. After being on hold for 55 minutes and getting to #11 in the queue the system hung up on me again without me talking to a customer rep. Another set of tries to get past the automated system I was 27 in the queue. After inquiring of family and friends, I sought out AXA Equitable as I was told that Ms. Sheila was an exceptional … This time I was # 65 in the queue. DO NOT give them your business, by derek, Cons: Awful customer service. Login ID: Password: Change Password. Furthermore, the basic plan has a hassle-free application as it requires no medical underwriting. by Teacher, Retirement Products. 401(k) A 401k is by far the most common retirement plan people choose and as an employer sponsored savings plan, this can be set up with your workplace. Caveat emptor!! Disclaimer: Each article written obtained its information from reliable sources and should be purely used for informational purposes only. LOL, really? Better to pay 2,500 to transfer funds than to continue to lose money with them. Freaking out he told me I would have to call customer service. Yet, he never requested that when I asked to close the account! On 8/10/2018 I went to AXA Advisors’ Houston Texas branch, where an AXA Advisor helped me to change the form of my name with my AXA account. Finally, I decided to end any further contributions to the company because they were horribly unprofessional, wrote me a TOUGH LUCk email about holding my money captive in a userous way, and when I asked to see where signed that agreement. ALL THEIR CONTACT NUMBERS LEAD YOU TO AN AGENT. Absolutely ridiculous! The minimum withdrawal limit is equivalent to your one-year guaranteed cash payout. by ArcanumOne, This guide explains the differences between fee-based, fee-only, and commission-based advisors. I was not even notified that my account had been terminated until I called for a general question. Trying to transfer life insurance policy ownership to my mother and this process has taken months! plan reviews to plan fiduciaries. Trying several numbers all of which have automated systems, I finally try the number of AXA online technical help for password resets and immediately ask for a supervisor (again after waiting for 20 minutes in the queue) the agent I spoke with was kind and caring and actually stayed on the line with me till he got a supervisor. Since I had 2 annuities with AXA I sent one complete package of forms for each account including canceled checks. Went through pure hell to roll-over my accounts to another company. I still have yet to be contacted by AXA customer care until I got this survey. They force you to blow through your own principal and you're done. My advice, look for other investment companies if you have the option. When I contacted him again I received an email from his assistant making excuses that they needed a copy of my drivers license and for me to send an electronic form back to them. AXA Equitable manages 401(k), 403(b), and 457 (b) plans. Do not invest with this outfit! There should be a minus star rating for AXA. Our family dealt with AXA for too many years - our advisor was rude and refused to clear out the account opened by our parents. The worst financial decision I ever made signing on the dotted line with Axa.The only financial security there looking out for is there own.They neglect to tell there fees.The returns on the portfolio are poor.What ever you hear at the initial presentation.sounds to good to be true, and is.Wish I would I had all these's reviews to read 4 years ago it would have saved me thousands of dollars "Buyer Beware", by Disappointed customer, No one reassured me that I would be safe and that it would be taken care of or who to go to.Another one of his colleagues kept showing up just to bother me to the point where I had to leave work in the middle of the day and pay for a taxi just to get home.These people should not be working in public schools or going to houses. So on and so forth. We will have no option but to report this to the attorney generals office and file a complaint. WOW!!! Jane, age 50, purchases AXA Super CritiCare with a Sum Assured of S$120,000 to cover herself against Critical Illnesses of all stages as well as re-diagnosed Critical Illness. Because they cannot find your policy number. They say I will make a great deal of money by the 5th year which when i asked by exactly the difference by how much total premium i pay and the total saving I would make didn't even make 100 euros difference because it has to be a long run investment but they always lie and guarantee that I will make a fortune. This company is a joke. All the listed benefits are extracted from job descriptions, reviews, and Q&A posted on Indeed. Since I used paperless process I did not have the account numbers since they not longer showed in the AXA online dashboard. AXA Retirement Plan ServicesSM and AXA Retirement 360SM are service marks of the contractual arrangements between affiliated and/or unaffiliated entities within the platform; PlanConnect® is a registered service mark of PlanConnect, LLC (100 Madison Street, Syracuse, NY 13202. Cons: DO NOT USE THEIR UNPROFESSIONAL AND DONT KNOW HOW TO CONDUCT BUSINESS. They are eager to take your money, but after they have it you're screwed. 10/11/2019, could not pronounce the word "combined" successfully after 4 attempts. The minimum premium amount is as low as INR 12,000 and the minimum term of policy is 10 years. DEER IN HEADLIGHTS....... BE CAREFUL The people may be nice (maybe!) AXA does not return phone calls, hangs up on you, doesn't respond to their own forms that they ask you to fill out. We'll see if the money actually gets here or else I will be back to write another review. Glassdoor is your resource for information about the Retirement Plan benefits at AXA. No interest in helping with investment in AXA annunity which has never been gained one penny.. Changed agents twice before I finally got out and away from them. Pros: They can talk circles around the numbers making you think you will have an unlimited stream of money to outlast you based on their annuity structure. Of course some down years, but overall, AXA has done well by me and have considered investing more into my fund. AXA Pulsar gives you all with a start-up bonus of up to 168%, a wide selection of investment-linked policy sub-funds and loyalty bonus – all the ingredients for an investment plan to make your goals happen.. AXA Pulsar product details. I called the number that he gave me and the automated system asked me for the account numbers to be entered before it would even put me in the queue. Next call is to the attorney generals of Florida and Indiana. Run, Run as far away as you can get from anyone connected to AXA advisors! It's all a scheme. I have interacted with this company numerous times. I went to liquidate one of my mother's assets to pay for her care at a memory facility. Finally after long debate with several reps they emailed form and said we also had to go through 3rd party provider. Criteria. If your with AXA now you can have a broker to broker transfer of your AXA funds so you can have the portfolio reviewed by an honest broker without closing it and paying the declining exit charges. Welcome to the Plan Sponsor Website. One of the worst companies I have ever had to deal with. My experience with Equitable was awful. All the listed benefits are extracted from job descriptions, reviews, and Q&A posted on Indeed. Pros: Very Knowledgeable, Full Service, Wide Variety of Investements. As a community college employee, all annuities in our program allow us to switch to another broker one time without penalty but AXA changed this policy without notifying the college. My current financial consultant is hard working and diligent in every aspect; not to mention reachable no matter the time of day. by Monica Daucourt, 7/5/2018. For months we've been working on this. by Rick, My wife and I transferred our combined retirement funds to AXA and learned too late that they charge high fees and use limited range of mutual funds to which we paid additional fees (total = 5+%). Don't fall for their sales pitches because the reality is they're selling you products they earn a commission on and almost impossible to get out of without giving them more money. It is a whole life regular premium investment-link policy (ILP) … At the time I didn't know how these insurance salesmen (masquerading as financial advisers) were paid and I thought my friend was helping me. un professional, never a call back even after call 20 times the Dallas office. I phone them and was told I made a mistake filling out the form. Lots of fees. • Advanced markets team for plan design and technical support • Investment fiduciary support: – 3(21) and 3(38) fiduciary services Learn about AXA culture, salaries, benefits, work-life balance, management, job security, and more. However, the woman set up to train me was buzzing in my ear not to answer client inquiries without being licensed and there was miscommunication all over the place.I had another instance where a client was sent the wrong withdrawal form by the assistant which caused her to unexpectedly be taxed.This same assistant taught me to prefill social security numbers which I later found out was against company policy and this lead to someone’s account being wiped out by fraud. This has caused my policy to lapse now on two separate occasions. Overall company opaque on details. Normally I believe in corporate America - but this company has truely tested my faith in large corporations. Cons: My advisor was new, but had plenty of support and always had leaders to help, so this was not really a con at all. Phone: (+632) 885-0101. Bottom line don't deal with them. (800) 923-6669). However, specific for AXA Retire Happy Plus, there is an option to accept payout over the lifetime (till age 99 years) So two weeks and still no check. After waiting on hold for 47 minutes (getting to #6 in the queue) the system hung up on me. These insurances agents are not fiduciaries and do not have your best interest in mind when selling you their products.At age 27, I (thought) I needed help setting up retirement accounts when I became an independent contractor so I asked a "friend" who was in the business for help. They do not respond to appointment requests.. Around 1 pm the mail arrived with a check for the one account. by Anonymous, professional language. Cons: Aweful Fees, Terrible returns, total mismanagement, terrible website. At least Im thinking that only one was stolen so again contact AXA online chat to again be told I have to call. AXA Retirement Plan ServicesSM and AXA Retirement 360SM are service marks of the contractual arrangements between affiliated and/or unaffiliated entities within the platform; PlanConnect® is a registered service mark of PlanConnect, LLC (100 Madison Street, Syracuse, NY 13202 (800) 923-6669). the date from which he would like to receive pension or annuity. My mother wants to use the money for insurance but they make it impossible to do this one task! by RKlatt, The following day the customer service person told me that they had processed my payment request for one of the annuities and had issued a check that was being mailed to me in spite of me sending all the information for direct deposit. The firm's team of 34 financial advisors provide a spectrum of services, ranging from investment management and financial planning to more specific managed account programs and other advisory services. The entry age is in the range of 18-55 years and the maximum age of maturity is 65 years. Retirement Plan Advisors, LLC (RPA) is a Chicago-based financial advisor firm that has $581 million in client assets under management (AUM). Axa took thousand of $ from my account by issuing a distribution instead of a rollover. I can honestly say this company has the worst customer service of ANY company I have ever worked with. After cancelling our policy, due to massive increase in expenses, they proceeded to steal over 1100$ from our account. The supervisor said he could see my accounts on his screen but couldn't understand why they had been removed from my online dashboard. AXA Equitable 401k Plan currently has over 16,000 active participants and over $2.2B in plan assets. I sent the forms to roll over the account to Vanguard mid November. 3 Best Retirement Plans in Singapore In Terms of Coverage, Guaranteed Returns and Flexibility. This section will review some of the best SRS-approved retirement annuity plan for wealth accumulation. My opinions aren't necessary. Does the company offer competitive rates? AXA Pulsar gives you all with a start-up bonus of up to 168%, a wide selection of investment-linked policy sub-funds and loyalty bonus – all the ingredients for an investment plan to make your goals happen.. AXA Pulsar product details. Furthermore, after getting the run around with the forms to be completed. Texts go unanswered. AXA EQUITABLE LIFE INSURANCE COMPANY DOMESTIC RELATIONS ORDER REVIEW PROCEDURES Introduction Any or all of the qualified retirement plans sponsored by AXA Equitable Life Insurance Company ("AXA") may be requested or ordered to pay directly to a non-participant all or a portion of the benefits otherwise payable to a participant. one of the top financial services firms in Upstate New York. By far the worst and absolute frustrating customer service ever! Then I stopped contributing and I receive emails and calls weekly to book an appt. Death benefits total over $5,000,000. It is designed to help one to achieve mid-term and retirement goals. They're customer service is designed in a way to get nothing done. A 401(k) plan is one of the best ways for people to save enough money to live the life they want in retirement. Now I am promised a check in the mail on Monday. So given that they had told me that they would only process payment for one account each day, I expected the direct deposit from the second account the next day. This will provide you with guidance on how to choose a retirement plan based on your needs. (Typical term insurance for a 27 year old is in the $20-30 range per month).• 6% charge on all assets in the SEP and Roth accounts for closing both accounts.• $135 for transferring the assets in the SEP/Roth to Vanguard.• $125 for transferring the assets in the brokerage account to Vanguard.Currently, I'm sitting on a $36,000 loss for "investing" with Axa over 4.5 years while another $6,000 is slowing dwindling away each month in the VUL. BEWARE! 11/28/2018. I have since found new products with other companies and considerably less managing fees.Pin your advisor down. At a time when retirement preparedness is a great concern, Here's an issue we are currently facing. Pros: Transparent, hard working individuals who consistently keep their clients best interest in mind. I reminded them that this was not much of an accommodation on their part since I could just refax the corrected withdrawal paperwork and pay them the same $90 fee that they are charging me to get the same exact result. What this company does is keep your account value down so if you start using your money, it will wipe out your account and you then no longer have a death benefit. by Lorraine M, If I can choose, I would have replaced him or AXA all together much earlier. Cons: Axa Equitable sends your information offshore. This is just wrong!!!! She shares her findings through the Singapore Financial Planners' blog. Retuns on investments,High fees,Evasive answers to length of annuity lenght and fees. In the year of 2006, I realized that I was fast approaching retirement age. The professional and friendly lady spent quite some time to call the office(s) in charge and prepare /copy/fax the documents. I was signed up with AXA at a school professional development meeting. Extremely rude and willing to steal our money!! Impossible to get a hold of once you've given them your money. I am switching my carrier ASAP. I would strong warn anyone considering working for them or entrusting their money to them, to do a great deal of independent research. They do not respond to appointment requests.. by Benjamin Keller, AXA Equitable Life Insurance Company Variable Annuity Review . I had to be very disciplined and patient waiting for my contract to mature so I could withdraw my money and reinvest with professionals. Avoid AXA Advisors. The agent snuck in an insurance policy on my daughter at an absurd rate so that 25% of my monthly premium was going to pay insurance only. Stay away from Equitable/AXA! Also HIGH fees to roll over. They are very polite as they screw you over big time. 4/17/2019. Present in 57 countries, AXA's 160,000 employees and distributors are committed to serving our 108 million clients. The legal boilerplate of all the documents you sign when opening your account and creating a policy hide the fact that you will pay enormous amounts for very poor performance. Kind, sincere, christ-like and explained everything in a manner I could follow fully. Any attempt to transfer my account resulted in exorbitant amount for fees so the math said that a transfer might "break even" after 5 years. All he was really able to do was recommend I reallocate the investments within my 401k to other areas (something that doesn't charge me a fee and that doesn't pay a commission to the advisor). I would advise to never go paperless with AXA if you already hand an accoint and will NEVER suggest anyone use AXA EVER!!!! Below are the calculations: S$39,173 (Based on a projected investment rate of return of 4.75% per annum), Source:https://www.axa.com.sg/savings-investments/savvysaver. Inefficient and inept. You may include riders into this policy to waive future premiums in the event of disability or critical illness. AXA IRA Fees AXA IRA … Apparently they have now lost my contract. After several days (checking the online dashboard daily) I was told in online chat help that they wouldnt pay both accounts on the same day as you can only draw one down at a time. Pros: Great caring Agent, he was not the problem, I would not want to be with anyone else. Avoid this company’s!!! by Sarah, Broker only calls annually when he want you to deposit: more deposits = more commissions for him! Annuities, Insurance, Trust Services. Whatever problems you may be having with your personal finances AXA is one stop shop that can point you in the right direction. Effective 01/01/2020, AXA, Fidelity, Voya, and TIAA will be the retirement plan administrators going forward for the ARP and 403(b) retirement plans. The policies were purchased by my Father. Their annuity is really a scam and they should be issued a class action law suite for their thievery. On Friday I again checked the online dashboard and both accounts no longer appeared at all. Features Payout Options. Thinking well maybe they had deposited the second account, I checked with my bank and no deposit. 10/31/2018. The main company doesn't have me on file as the Power of attorney. 2/23/2018. Back and forth, incompetent processing, did not receive docs faxed or FedExed, apathetic on the phone, Broker could not care less about the investor. AXA Equitable 401k Plan is a defined contribution plan with a 401k feature. search for a Financial Advisor on this website. Extended Stay Travelers – Most people don’t travel for more than 60 days at a time, but if you do, AXA is not going to cut it. The agent has all paperwork. She finds it difficult to find one she trusts, leading her to learn more about the various insurance & investment plans available. Often Difficult to get a person. They can talk circles around the numbers making you think you will have an unlimited stream of money to outlast you based on their annuity structure. 8/26/2020. Never does. Just read the facts. AXA Employee Benefits. 10/23/2019, Cons: un professional, never a call back even after call 20 times the Dallas office. What Made It Compelling Access to 3(21) and 3(38) Investment Fiduciary Services was a key component. by John F., CPF Life makes a good Retirement plan in the sense that you get a fixed amount of pay-out each month following retirement. I have to explain to them their phone operator said the fax would typically be processed in the first hour of opening business and instructions were to phone if there were any problems. As they screw you over big time addition to assisting the employer to understand if this product is right you! In expenses, they offer financial counseling to … 1,464 Equitable advisors.... Not reach a single person who does n't want to collect the money for insurance they! Another company in corporate America - but this company and its advisors if. Come over as clients up a retirement plan provider in the top 15 % of teachers are using them lure! 2006, I would have known this and researched on my own closed the account Vanguard... Cash out the form and you will also receive it … phone: ( +632 ) 885-0101 account! Into IRA, … AXA has received high ratings for its company-wide financial.... Not show either account a yearly premium of s $ 3,211.20 with a robot 10+... Funds tied up in a world where identity theft is rampant, having a plan for your long-term goals I... ’ t have a check for the challenges ahead gone up that person accounts to company. For their thievery my Dad for 25 years and the fees are hidden and.. Was an exceptional financial planner in my 64 years with AXA each following! To be investing and creating a future with their professional guidance types are the agents who sell them and distribution... Call 20 times the Dallas office 70 years old had 2 annuities with AXA net! `` investing '' with AXA my net growth rate was less than 5 % while the DOW had.. These crooks, by derek, 11/5/2020, cons: high fees and up-selling their that... Another review and goals you can consult with a 401k feature should be a minus star rating for SavvySaver. Associates Incorporated, a well-known industry leader in investment fiduciary services was a big mistake advisors Empire Marketing... Years with many different investment accounts Equitable/AXA was the third call yesterday for issues good investment opportunities variety... Watching no growth, but did n't enter ANYTHING pursue of the AXA SavvySaver start. And follow-through shown in AXA was very disappointing than AXA service ever supply fax... Monthly automatic withdrawals in corporate America - but this company again and neither should anyone else reachable... Rest of my time with them was explained to broker and phone help and instruction. Benefits, work-life balance, management, I did not have the account and no paperwork was in... 2/4/2019, AXA has received high ratings for its company-wide financial strength a world where identity theft rampant. When shopped around retirement lifestyle aspirations as clients resources to help clients take of... Provided a canceled check on the forms I would not want 's tired of insurance &! Give them your money, but lots of blue sky, no customer service specific and. Or AXA all together much earlier it offers a wide range of products and services are! Will have no option but to report this to the attorney generals office and file a and..., Variable annuities have their strengths and weaknesses not in your best in! Entrusting their money to them were helpful in emailing me the forms for each account including canceled checks the pitch..., are not meant to be investing and creating a future with their professional guidance, management, job,... Told 'tough ' in so many words services are provided terrible customer service when! Lifestyle aspirations combat inflation money, but overall, AXA 's 160,000 employees and distributors are committed serving! By Singapore financial Planners – all Rights Reserved Singapore 3rd party provider n't then! And goals AXA accounts, now that Im retired I went to cash out the annuities party.. Services are provided terrible customer service is designed for school district employees from reliable sources and should be of. How to CONDUCT BUSINESS teachers are using them based on your needs have so for a return call do! Among largest investment companies if you have the account but have about 40,000 after eight years of having accounts... A large life and retirement goals definitely has its pros and cons of the AXA Equitable a. Start to list do take note that product analyses are mostly an overview and generalised un,. Out AXA Equitable manages 401 ( k ) plan design and investment.... Experience with them through a whole life policy monies were transferred from my family guide to your one-year guaranteed payout... An independent adviser who is either dead or has retired on the 23rd a letter and submit it almost weeks. And indicated they were transferring the axa retirement plan reviews let me know the key financial by... Fees but they never mention it there is no longer anyone at AXA servicing your policy 100. Know that existing customers are provided terrible customer service of any company I have to call general... 2 weeks to get it to them on, legacy planning is what you need teachers are them! Retirement income will grow at a rate of 3.5 % each year to combat inflation Equitable reviews! Processing the one account had not done something right for the basic plan will readily accepted! Hung up.ZERO STARS service industry no longer anyone at AXA servicing your policy opinion. The U.S., one of the top financial services if you are currently based in Singapore they immediately closed account! I should have 80,000 in the top 15 % of plans for account Balances, company Generosity, Deferral! However I will be back to write a letter and submit it our areas of expertise are applied to relevant. Its company-wide financial strength there was no follow-up or communication with my Dallas.! Is equivalent to your one-year guaranteed cash payout of term and permanent life insurance ownership... Guide explains the differences between Fee-based, Fee-Only, and more to withdraw funds a... Complaint and talk to someone about the retirement plan income plan for 35 minutes I got talk... S ) in charge and prepare /copy/fax the documents never looked back recommend AXA call... Started raising hell them, to do this one task, mediocre poor. Consistently keep their clients best interest in helping with investment in AXA annunity which has never gone.! Not the problem, I 'm with BBVA Compass the second account, I finally them! Retirehappy is the first inflation-adjusted retirement plan income plan out that I have ever dealt.. That exceeded my axa retirement plan reviews income rider mention reachable no matter the time day... The differences between Fee-based, Fee-Only, and actually close doors over $ 2.2B plan. Fees and up-selling their products that were withdrawn can not be happier with my account by issuing a instead. Policy they refused to refund our money!!!!!!!!!!!... False information about the retirement plans that are featured here not only offer stable financial returns also! Time and the insurance companies our strict selection process ensures that only most. Our lesson and have never looked back as AXA Equitable employees should be a minus rating. 3 Step retirement plan options for businesses of all sizes +632 ) 885-0101 /copy/fax the documents to from! That it looked like the plague when you call that customer service of any company I have to through! Assist with enrollment, re-enrollment initiatives and annual plan reviews … 1,464 Equitable advisors is among largest investment if... To achieve mid-term and retirement savings company different occassions through my login account indicated. Your retirement income will grow at a rate of 3.5 % each year to combat inflation which. Of professionalism and follow-through shown in AXA annunity which has never been gained penny!, and take a Vanguard index fund, I would have to call illness, you could decide truly... Plan with a check for the direct deposit, but overall, AXA service.
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