We value educators

We are proud to continue our long history of serving educators, students and schools.

How we help educators

We understand educators, and that’s why we are the #1 403(b) provider in the nation. Our comprehensive strategies include financial planning, investments and support services designed specifically for educators.
Ready to tackle student loan debt?

Public school educators may qualify to have their student loans reduced. This program can save you significant money.1

Let Equitable help

We support organizations that support you and your school

Donors Choose gets your students what they need. Connect to a thriving community of donors that is eager to fund your classroom projects.

EVERFI provides teachers with a variety of online financial literacy resources, including free digital lessons, to support remote learning.

Equitable Foundation partners and collaborates with organizations such as Students Against Destructive Decisions (SADD), providing financial literacy education for schools and students.

Each year through our Equitable Excellencesm program, we award nearly $2 million in scholarships to deserving students. We also give a $1,000 grant to each winner’s high school, acknowledging the critical role their educators play in their success.

We help educators save for their future

See how much you may need for retirement and why a 403(b) could work for you.

Let's get started

We provide educators with financial guidance

People who work with an advisor2 have a higher satisfaction and savings rate than those who don't. We have
local Equitable Advisors Financial Advisors ready to help.
18 percent
Eighteen percent higher satisfaction with retirement plans
2 x
Two times higher median account balance
Source: "Equitable's Value of the Advisor study 2018".

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* The 160-year history reference applies exclusively to Equitable Financial Life Insurance Company (Equitable Financial).
** Duly registered and licensed Equitable Advisors Financial Professionals offer securities through Equitable Advisors, LLC (NY, NY 212-314-4600), member FINRA, SIPC (Equitable Financial Advisors in MI & TN), offer investment advisory products and services through Equitable Advisors, LLC, an SEC-registered investment advisor, and offer annuities and life insurance through Equitable Network, LLC (Equitable Network Insurance Agency of California, LLC;  Equitable Network Insurance Agency of Utah, LLC; Equitable Network of Puerto Rico, Inc.

Invest with savings options designed specifically for educators

We have an investment strategy option within our EQUI—VEST® variable annuity that can help you supplement your pension and automatically adjusts your investments within the annuity over time.5

Learn about Semester StrategiesSM

We help educators save for their future

See how much you may need for retirement and why a 403(b) could work for you.

Let's get started

1 Student loan forgiveness services are offered through StudentLoan Tech. StudentLoan Tech helps to determine your eligibility for the Federal Student Loan Forgiveness programs. StudentLoan Tech is not an affiliate of Equitable Financial Life Insurance Company or its affiliates. Neither Equitable Advisors, Equitable nor its affiliates are responsible for the output or enrollment documents provided by StudentLoan Tech.

2 For purposes of this discussion, “advisor” is used as a general term to describe insurance/annuity and investment sales and advisory professionals who may hold varied licensing as insurance agents, registered representatives of broker-dealers, and investment advisory representatives (IAR) of registered investment advisors, respectively. “Advisor” in this context is not intended to necessarily refer to IAR-offered financial advisory/planning services.

3 LIMRA, "Not-for-Profit Survey, Q1, 2017 Results", based on 403(b) plan participants and contributions. This distinction applies exclusively to Equitable Financial Life Insurance Company (Equitable Financial) (NY, NY).

4 Standard & Poor's Stable, As of 11/18/19. Standard & Poor's: A Standard & Poor's Insurer Financial Strength Rating is a current opinion of the financial security characteristics of an insurance organization with respect to its ability to pay under its insurance policies and contracts in accordance with their terms. Standard & Poor's ratings range from AAA to R. A plus (+) or minus (-) following the rating shows relative standing within the major rating categories. The "A+" rating for Equitable represents the fifth highest among twenty rating levels. This rating applies solely and exclusively to Equitable Financial Life Insurance Company (Equitable Financial) (NY, NY), which is solely responsible for its claims-paying ability.

5 If available under your employer's plan, you may generally enroll in the model portfolio and investment advisory services program (i.e., Semester Strategiessm) of SWBC Investment Advisory Services LLC ("SWBC") to manage your account value. The Program will allocate your account value among the variable investment options, guaranteed interest option (GIO) and Segments in the SIO, based on your set time horizon, risk tolerance and investment return objectives derived by SWBC from information you provide to SWBC. SWBC Retirement Plan Services is an unaffiliated third-party and is a wholly-owned subsidiary of SWBC, which was established in 1976. Advisory services are offered by SWBC Investment Advisory Services, LLC, d/b/a SWBC Retirement Plan Services, a Registered Investment Advisor with the Securities and Exchange Commission. SWBC Retirement Plan Services focuses exclusively on serving the retirement plan market. Equitable has entered into an agreement to make SWBC Retirement Plan Services' fiduciary services available to EQUI-VEST® clients through Semester Strategiessm.

A variable deferred annuity, such as EQUI-VEST®, is a long-term financial product that is designed for retirement purposes. In essence, it is a contractual agreement in which payments are made to an insurance company, which agrees to pay an income stream or lump-sum amount at a later date. There are contract limitations, fees and charges associated with variable deferred annuities, which include, but are not limited to, mortality and expense risk charges, withdrawal charges and administrative fees. For costs and complete details, see the prospectus or contact your financial professional. The variable investment options offered in this contract will fluctuate and are subject to market risk, including loss of principal.

As is the case with any investment or investment feature, it's important for current and prospective EQUI-VEST® variable annuity contract holders to understand all applicable restrictions and limitations associated with Semester Strategiessm. As some examples, the EQUI-VEST® variable annuity contract holder's Planned Retirement Age cannot be later than the maturity date under their contract, and those currently invested in the Personal Income Benefit (PIB) are not eligible to participate in Semester Strategiessm("Program") at this time. Also, those with current investments in the Structured Investment Option (SIO) may not be eligible to participate in the Program if their current SIO allocations are higher than the Model Portfolio allocations to the SIO.

The EQUI-VEST® variable annuity is offered by prospectus, which provides important information about the annuity's restrictions, limitations, risks, charges, expenses, and investment objectives. Current EQUI-VEST® contract holders, please consult your prospectus and the prospectus for the underlying portfolios containing this and other important information. Prospective clients, please contact Equitable or an Equitable Advisors financial professional for these prospectuses and read them carefully before you invest or send money.

Important note: Equitable believes that education is a key step toward addressing your financial goals, and we've designed this material to serve simply as an informational and educational resource. Accordingly, this brochure does not offer or constitute investment advice and makes no direct or indirect recommendation of any particular product or the appropriateness of any particular investment-related option. Your needs, goals and circumstances are unique, and they require the individualized attention of your financial professional.

EQUI-VEST® is a registered service mark of, and is issued by, Equitable Financial Life Insurance Company, NY, NY 10104. Equitable Advisors Financial Professionals offer securities through Equitable Advisors, LLC (NY, NY, 212-314-4600), member FINRA, SIPC, and offer annuity and insurance products through Equitable Network, LLC (Equitable Network Insurance Agency of California, LLC; Equitable Network Insurance Agency of Utah, LLC; Equitable Network of Puerto Rico, Inc.). 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

Certain types of contracts, features and benefits may not be available in all states and jurisdictions or from all selling firms. Marketing material availability may also vary by firm. Please check with your firm for more details.

GE-3218916 (08/2020) (Exp. 08/2022)