A 403(b) plan, which is like a 401(k) for educators and non-profit employees, can help supplement your pension or other retirement savings. It’s specifically designed for education and non-profit professionals, has the flexibility to adjust as your needs change and can help you turn your salary into a more comfortable retirement.

Your 403(b) plan can work with your pension or other savings

How can a 403(b) plan help you save?

  • Every dollar counts – Start saving whatever amount works for you, start or stop, decrease or increase your contributions up to the federal maximum, at any time.
  • It’s automatic – You pay yourself first, because your savings are deducted right from your paycheck.
  • It’s flexible – Select the investments you’re most comfortable with – and change them when you want.
  • You won’t pay taxes while you’re saving – Your taxes are deferred until you withdraw the money from your account, which is typically when you’re retired and in a lower tax bracket. That means all of your earnings stay invested, letting your money grow faster than it would in a taxable account.

Are you saving enough?

Our retirement calculator can help you estimate how much you should save and how much retirement income you could potentially have. Answer four quick questions to find out if you’re saving enough.

AXA is committed to helping you

We know educators and non-profit professionals are driven by passion. A career in education or as a non-profit employee means devoting your life to helping others reach their full potential. We want to do the same for you, by helping you prepare for a comfortable retirement.

Educators make AXA the #1 choice for 403(b) plans

Since 1859, AXA has helped people build and secure their financial futures. Our 403(b) plan is designed to meet the unique needs of educators and non-profit employees across the country. That’s just one reason why we are the #1 choice for educators in K-12 schools in the U.S.** and help thousands of non-profit employees realize their retirement dreams.

With AXA AchievementSM, we’re one of the nation’s largest corporate providers of scholarships for students planning for college, awarding over $1.4 million per year since 2003. We also support educators by providing grants to schools to help fund their professional education and development.

We’ve won the DALBAR Service Award for outstanding customer service for five years in a row (2011-2015) and 11 times in the past 18 years.

Rated 5 out of 5 by from Helpful and timely service My AXA advisor is extremely knowledgeable. He is always willing to work around my schedule and goes above and beyond to see that I have the best plan available.
Date published: 2018-01-13
Rated 1 out of 5 by from No contact, zero support I tried to leave messages for my representative to contact me regarding some changes/questions I had on my account. I think I even left AXA a phone message too, and ZERO, NADA for return calls/email for my request for Q&A!
Date published: 2018-01-12
Rated 5 out of 5 by from Best Customer Service Representatives are cheerful and helpful and assisted me with every question I had.
Date published: 2018-01-12
Rated 5 out of 5 by from Helpful and Insightful Great one-on-one service tailored to my needs and wants for the future.
Date published: 2018-01-11
Rated 5 out of 5 by from Timely service Agreed upon timeline was met. That’s all I want to say
Date published: 2018-01-11
Rated 3 out of 5 by from Decent service, poor website The phone service was helpful. The online portal does not provide much information, and it is somewhat difficult to find any details.
Date published: 2018-01-11
Rated 5 out of 5 by from Quick response time! Thanks for the quick and polite assistance. I just kind of wish I could have done it myself online, but I got locked out.
Date published: 2018-01-10
Rated 4 out of 5 by from AXA Response Prompt response to my needs in guiding me with my questions.
Date published: 2018-01-10
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* As of 02/28/2017  Customers’ ratings and reviews reflect individual opinions and are not intended as indications of suitability or as predictions of any product/investment performance and should not be relied upon as bases for any purchase decision. 

** LIMRA, Not-For-Profit Survey, Q2 2016 results based on 403(b) participants and contributions. 

This discussion is not intended as legal or tax advice. Accordingly, any advice provided herein is not intended or written to be used, and cannot be used, by any taxpayer for the purpose of avoiding penalties that may be imposed on the taxpayer. Such advice was written to support the promotion or marketing of the transaction(s) or matter(s) addressed, and you should seek advice based on your particular circumstances from an independent tax advisor. 

Variable annuities and mutual funds are offered by prospectus, which contains more complete information, including investment objectives, risks, charges, and expenses, and which can be made available from your Financial Professional of the company. Please read the prospectus carefully before you invest or send any money.  

An annuity contract used to fund this qualified employer-sponsored retirement arrangement should be purchased for its features and benefits other than tax deferral. For such cases, tax deferral is not an additional benefit of 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. 

AXA believes that education is a key step toward addressing your financial goals, and we've designed this discussion to serve simply as an informational and educational resource; it does not offer or constitute investment advice and makes no direct or indirect recommendation of any particular product or of 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. But for now, take some time just to learn more. 

Annuities issued by AXA Equitable Life Insurance Company (NY, NY) and co-distributed by affiliates AXA Advisors, LLC and AXA Distributors, LLC, New York, NY 10104.  The investments in this program are subject to investment risks, including possible loss of the principal invested.  They are not insured by the Federal Deposit Insurance Corporation nor are they deposits to, obligations of, or guaranteed by any bank. 

AXA Equitable Life Insurance Company (AXA Equitable), AXA Advisors, LLC (member FINRA, SIPC) and AXA Distributors, LLC (member FINRA, SIPC) are affiliated companies, located at 1290 Avenue of the Americas, New York, NY 10104, (212) 554-1234. AXA Equitable and its affiliates do not provide tax, accounting or legal advice or services. 

“AXA” is the brand name of AXA Equitable Financial Services, LLC and its family of companies, including AXA Equitable Life Insurance Company, AXA Advisors, LLC, and AXA Distributors, LLC. AXA S.A. is a French holding company for a group of international insurance and financial services companies, including AXA Equitable Financial Services, LLC. The obligations of AXA Equitable Life Insurance Company are backed solely by its claims-paying ability.

GE-122832 (02/2017)

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