1. Secure Advantage+™
Grow. Protect. Secure.
Grow. Protect. Secure.
Grow. Protect. Secure.
Protected
Capital
Lifetime
Income
An AXA Life Europe product
An AXA Life Europe product
Grow. Protect. Secure.
Protected
Capital
An AXA Life Europe product
An AXA Life Europe product
Grow. Protect. Secure.
Lifetime
Income
An AXA Life Europe product
Secure Advantage+™
Secure Advantage+™
Grow. Protect. Secure.
An AXA Life Europe product
Secure Advantage+™
Secure Advantage+™
Secure Advantage+™
Secure Advantage+
Income Reward – meeting your income needs
throughout retirement.
The Secure Advantage+ Pension Plan is designed to help you achieve
three major financial objectives:
1
A guaranteed
income for the
rest of your life
2
Investment
choice and
income flexibility
3
Ability to pass
on remaining
wealth to family
An investment
solution for all or
part of your pension
savings

2. Income Reward – meeting your income needs throughout retirement
The percentage rates shown above are a percentage of your Income Base, which is a notional amount we use to work out your Guaranteed Income Payments. It is different from the Plan Value. If you were to request any
payments out of your Plan other than Guaranteed Income Payments, such as a Pension Commencement Lump Sum (PCLS), any payment(s) in respect of Adviser Charges or any Income Withdrawal(s), we would use the
Plan Value to work out the amount of the payment(s). Any such payments from a Fund linked to a Lifetime Income Benefit would proportionately reduce the Income Base and any future Guaranteed Income Payments.
1 On a Plan anniversary, if the Fund Value is higher than both the amount invested and the highest previous anniversary’s Fund Value, the growth is ‘locked-in’ and the Income Base increases. This means that future
Guaranteed Income Payments will increase too.
2 The 4.25% rate is based on starting to take income at age 65. The Guaranteed Income Rate that applies depends on your age (or if the Joint Life option is chosen, the age of the younger of you and your spouse/
civil partner) at the date you start to take income. The full list of rates are available from your financial adviser. You must be aged at least 55 to start taking income from the Plan.
3 Lump Sums and Income Withdrawals can be taken at any time from the Income Start Date (minimum age 55).
This example is based on a customer aged 55 who invests in the Plan on a Single Life basis and starts taking an income at age 65.
The Income Reward option is chosen. The Income Reward is added for every year income is not taken from the Plan. So, as income is delayed for 10 years, we
will pay the Income Reward for the first 10 years that income is taken from the Plan.
Ondeath,anyremainingPlanValuecanbepaidtoany
recipient(s)asaLumpSumand/orusedtoprovideincome
foradependant
Approaching retirement
Accumulating savings
“Active” retirement
higher income needs
“Passive” retirement
reducing income needs
“Later” retirement income
needs rising to cover
healthcare costs
The Plan Value can be locked-in
as the new Income Base on any
Plan anniversary1
Total 6.75% of the Income Base
for the first 10 years
2.5% Income
Reward each year
4.25%2
Guaranteed Income Payments each year.
Optional
additional Income/
Lump Sum withdrawals from
funds invested outside of the
Lifetime Income Benefit3
Income need curve
55 Age65 75
Income
PlanValue
Investment
Lock-In

3. Comparing Secure Advantage+ with other ways of creating an income for your retirement
Choose how
much income
to take?
Flexibility
to change
your mind?
Potential for
investment
growth?
Secure income
as long as
you live?
Guaranteed
Death
Benefit?
Conventional
Lifetime
Annuity
✘ ✘ ✘ ✔
✔
If a Guaranteed
Payment Period
is chosen
Income
Drawdown
✔ ✔ ✔ ✘ ✘
Secure
Advantage+
(with the Lifetime
Income Benefit)
✔ ✔ ✔ ✔ ✔
This table does not compare all aspects of these retirement income options. It is not meant to give advice and you should ask your
financial adviser about whether this Plan, or any other retirement product, is suitable for your needs.
Important information
While a lifetime income is guaranteed from
the Lifetime Income Benefit feature of this
Plan, the Plan Value is not guaranteed and
it can go up and down depending on the
performance of your investments. If all or
part of the Plan is transferred you may get
back less than you invested. We deduct
a charge for providing the Plan and the
Lifetime Income Benefit, which will affect
the growth potential of your Plan.
The guarantees provided under this Plan
are provided only by AXA Life Invest. If we
were to become insolvent, the guaranteed
features of the Plan would be affected. You
can read more about this in this Plan’s Key
Features Document.

4. The Secure Advantage+ range of plans is underwritten by AXA Life Europe Limited. AXA Life Europe Limited, trading as AXA Life Invest, is authorised
by the Central Bank of Ireland, and is subject to limited regulation by the Financial Conduct Authority and Prudential Regulation Authority. Details
about the extent of our regulation by the Financial Conduct Authority and Prudential Regulation Authority are available from us on request. Registered
in Ireland under number 410727. Head office: 3rd
Floor, Guild House, Guild Street, IFSC, Dublin 1, Ireland. Member of the AXA Group.
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What to do next
This document is intended to be an
introduction to the Secure Advantage+
Pension Plan. It is not a full and
complete description of the features,
risks and charges associated with
this Plan.
We would recommend that you speak
to your financial adviser if you would
like more information. They will be able
to tell you more about the Plan, other
retirement income options available
and whether this Plan is suitable for
your needs. Your adviser will also be
able to give you a Personal Illustration
and a copy of this Plan’s Key Features
Document, which you should read
before making a decision to invest in
this Plan.