EQUI-VEST® for 403(b) plans
Flexibility and tax advantages that can help your employees enhance their savings
Founded in 1859, AXA Equitable Life Insurance Company is the #1 provider of retirement plans for K-12 schools,1 serving more than 820,000 participants in over 17,000 plans.2 We focus on providing retirement plan strategies and solutions for you so you can help your employees become “retirement ready.”
Have a financial professional contact you
Investment advice available
Employees can receive active, professional investment advice and monitoring of their EQUI-VEST account with our optional Managed Account Service. It’s available for an additional fee through ProNvest*, an Independent Registered Investment Advisor.
*ProNvest is not affiliated with Equitable or its affiliates. This service is not available in all states. Depending on portfolio size or frequency of securities transactions, you should evaluate whether this service is suitable. Additional restrictions and limitations apply to the Managed Account Service. Please see the prospectus for more details.
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1 Source: LIMRA, Not-For-Profit Survey, Q2 2016 results based on 403(b) participants and contributions.
2 Includes 403(b) ,457(b), and 401(a) plans as of 3/31/2017
3 Online enrollment may not be available in all states. Speak with a financial professional for more information.
4 There is risk of substantial loss of principal because you would agree to absorb all losses to the extent they exceed the protection provided by the Structured Investment Option at maturity.
5 Early withdrawals from the Personal Income Benefit account value or withdrawals from the Personal Income Benefit account value that exceed the Guaranteed Annual Withdrawal Amount may significantly reduce or eliminate the value of the Personal Income Benefit. The Personal Income Benefit is a feature available for an additional fee and is not appropriate if the participants does not intend to take withdrawals prior to annuitization. If you choose not to offer the Personal Income Benefit investment option, participants can still elect one of the available distribution options under the plan.
Variable annuities are long-term financial products designed for retirement purposes. There are contract restrictions, limitations, fees and charges associated with annuities, which include, but are not limited to, mortality and expense risk charges, sales and withdrawal charges and administrative fees. A financial professional can provide cost information and complete details. Withdrawals are subject to ordinary income tax treatment and may be subject to an additional 10% federal income tax penalty. Contact a financial professional for costs and complete details. Withdrawals may also be subject to a contractual withdrawal charge of 5% in the first five prior contract years for the EQUI-VEST Series 201 contract. Variable annuities are subject to market risk including loss of principal.
An annuity contract that is purchased to fund a 403(b) plan should be done so for the annuity’s features and benefits other than tax deferral. For such cases, tax deferral is not an additional benefit for the annuity. You may also want to consider the relative features, benefits, and costs of this annuity with any other investment that you may have in connection with your retirement plan or arrangement.
The features and contracts described in this content may not be available in all jurisdictions or in all plans.
This content is not a complete description of the EQUI-VEST annuity contract.
Annuities are issued by AXA Equitable Life Insurance Company (New York, NY). Co-distributed by affiliates AXA Advisors, LLC and AXA Distributors, LLC (members FINRA, SIPC).
Guarantees are based on the claims-paying ability of AXA Equitable Life Insurance Company.
AXA Equitable, AXA Advisors, and AXA Distributors do not provide legal or tax advice. Consult with your attorney and/or tax advisor regarding your individual circumstances.
Please consider the charges, risks, expenses, and investment objectives carefully before purchasing a variable annuity. For a prospectus(or if applicable, product disclosure document) containing this and other information, please contact a financial professional. Read it carefully before you invest or send money.
Contract form #s: 2006BASE-I-A/B, 2006BASE-A/B, 2008EQVTSA201, 2008EQV201, 2008EQVBASE201-A, 2010SIO201-I/G, 2012 RDPIB