• Diversification
  • Growth potential
  • Plan for retirement

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.”

EQUI-VEST® simplifies offering a 403(b) plan

Use the EQUI-VEST variable annuity to help bring a valuable benefit—a 403(b) plan—to your employees. An annuity product designed specifically for the 403(b) market, EQUI-VEST is packed with features and services that can make sponsoring a 403(b) plan easier than you may think.

Find the right solution: consider a 403(b) plan

Your employees benefit — and so do you

A 403(b) plan is a high-visibility benefit that can help employees save for their retirement and enhance your value as an employer. Not only can it be used to supplement a pension benefit, but it can also potentially help make up losses in retirement income due to pension cutbacks.

The EQUI-VEST variable annuity for 403(b) plans comes with features, services, and support designed to both minimize the time a plan sponsor spends administering a 403(b) plan, and address employees’ retirement concerns.

Comprehensive plan sponsor services

Plan design and ongoing administration, recordkeeping, and compliance services are all part of the EQUI-VEST package. We also leverage technology through our plan sponsor website to reduce paperwork and provide you with 24/7 access to plan information. In addition, a financial professional is always available to assist you on plan-related issues.

Investment options for employees across the risk spectrum

Employees benefit from EQUI-VEST’s wide variety of investment options, including a Guaranteed Interest Option, designed to suit the beginner to the sophisticated investor. The lineup includes various options that offer the potential for market gains up to a specified limit, along with some protection against some market losses. Another feature provides a guaranteed withdrawal benefit for life as an optional feature available for an additional fee.

Employee education and communication

EQUI-VEST focuses on improving employees’ retirement readiness with a multi-channel approach: on-demand, 24/7 online education and enrollment tools;3 financial professionals who work with your employees one‑on-one; and Customer Service Representatives who are available during normal business hours.

Spotlight
  • 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.

    Learn more here

    *ProNvest is not affiliated with AXA 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.

Have a financial professional contact you


* Required

EQUI-VEST® brings value to 403(b) plans

EQUI-VEST is packed with features and services designed specifically for the 403(b) market. Whether you want to expand your plan’s investment lineup or streamline its administrative functions, EQUI-VEST may make it easier for you to maintain your 403(b) plan.

Add EQUI-VEST® to your plan: Your employees benefit — and so do you

EQUI-VEST can help you enhance the value of your 403(b) plan by expanding the range of available investment options and offering features that address your employees’ retirement concerns.

Investment options for employees across the risk spectrum

Employees benefit from EQUI-VEST’s wide variety of investment options, including a Guaranteed Interest Option, designed to suit everyone from the beginner to the sophisticated investor. The lineup includes various options that offer the potential for market gains up to a specified limit, along with some protection against market losses. Another feature provides a guaranteed withdrawal benefit for life in an optional rider available for an additional fee.

Comprehensive plan sponsor services

Plan administration, recordkeeping, and compliance services are all part of the EQUI-VEST package. We also leverage technology through our plan sponsor website to reduce paperwork and provides you with 24/7 access to plan information. In addition, a financial professional is always available to assist you on plan-related issues.

Employee education and communication

EQUI-VEST focuses on improving employees’ retirement readiness with a multi-channel approach: on-demand, online education and enrollment tools;3 financial professionals who work with your employees one-on-one; and Customer Service Representatives who are available during normal business hours.

Spotlight
  • 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.

    Learn more here

    *ProNvest is not affiliated with AXA 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.

Have a financial professional contact you


* Required

An EQUI-VEST® refresher

The EQUI-VEST variable annuity keeps pace with you and your employees’ changing needs. Enhanced online capabilities, an expanded investment option lineup, and features that may be able to address inflation and longevity concerns about retirement income—it’s all available with EQUI-VEST.

Explore all EQUI-VEST® offers

Are you taking full advantage of EQUI-VEST?

We continually look at how we can enhance EQUI-VEST to keep it relevant and valuable to you and your employees. This review process has led to our adding several features and capabilities to EQUI-VEST.

Investment options for employees across the risk spectrum

EQUI-VEST’s extensive investment option lineup includes options, including a Guaranteed Interest Option, designed to suit the beginner to the sophisticated investor.

The lineup includes a Structured Investment Option, which offers your employees the potential for market gains up to a specified limit along with some protection against some market losses.4 We also offer the Personal Income BenefitSM, a “pension-like” benefit that provides guaranteed withdrawal payments for life and may help employees address inflation, longevity, and market volatility concerns.5

Employee education and communication

We offer your employees several ways to access their accounts. We want to help ensure that all of your employees—no matter how they like to communicate—find an easy way to take advantage of this important opportunity. That’s why we supplement our employee tools and resources with an online education and enrollment tool3 that gives your employees a convenient, 24/7 way to learn about and enroll in your plan.

Spotlight
  • 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.

    Learn more here

    *ProNvest is not affiliated with AXA 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.

Have a financial professional contact you


* Required

Rated 5 out of 5 by from Excellent service Questions and concerns answered that were easy to understand
Date published: 2018-12-09
Rated 5 out of 5 by from Helpful AXA Consultant Personal and friendly consultant assisted me with my questions. Was able to explain my investment options and what need to be adjusted to meet my future needs.
Date published: 2018-12-08
Rated 2 out of 5 by from Nobody got back to me I waited and I waited to hear back about my application to take a loan from my 403b. Nobody ever called, and no e-mail was sent. I finally had to dig around for the customer service number and call it. Even then, the person had a little trouble figuring out what the issue with my account was. We finally figured it out, but it definitely didn't seem like anyone was really attending to my issue prior to me calling. The frustration was compounded by the fact that I had a heck of a time figuring out who to call. I tried my advisor first, but he was out of town for awhile. When he finally did call me back, he told me that he didn't really handle those matters. It was not intuitive from the website how I should deal with this particular issue. Also, I'm not sure why I had to mail in a ponderous, multi-page application document. With the other retirement investment service with which I have a 403b account, it was a simple matter of a couple of clicks from my mouse and my application was submitted (and approved) in a matter of minutes. I waited for weeks to hear back from AXA, and never actually did, as I mentioned above.
Date published: 2018-12-08
Rated 5 out of 5 by from Friendly, understanding, supportive, efficient I explained my reason for calling and my need. Thevsupport and understanding made the process easier.
Date published: 2018-12-08
Rated 5 out of 5 by from Helpful and efficient service AXA has been helpful and friendly. I know I can call anytime and my financial professional is there to answer my questions and guide me.
Date published: 2018-12-08
Rated 4 out of 5 by from Help and professional Well informed and professional that answered all of my questions regarding my financial plans and decisions.
Date published: 2018-12-08
Rated 4 out of 5 by from professional and very knowledgeable I have just opened an account with AXA and everything has gone very smooth. All of the options and steps were explained to me in an easy to understand method and everything has gone as planed and on schedule.
Date published: 2018-12-08
Rated 5 out of 5 by from My financial advisor really knows his stuff! My financial advisor went the extra mile in every aspect from beginning to end of our signing up for a 403b plan: met with my husband also, and after hours at our home, thoroughly explained the options, hunted down and did all the paperwork necessary to transfer my account to AXA. Thanks so much! I hope service continues to be at the high level of efficiency!
Date published: 2018-12-07
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All ratings and reviews are voluntarily submitted by existing customers and are pre-screened for acceptance or rejection prior to publication in accordance with established Moderation Guidelines, which consider applicable regulatory parameters for retail communications (i.e., advertising and sales literature) and company standards for appropriate content. Customers’ ratings and reviews reflect individual opinions and are not intended as indications of suitability or as predictions of any product/investment performance, may not represent the experience of any other customer, and should not be relied upon as bases for any purchase decision. AXA Equitable Life Insurance Company (AXA Equitable) and its affiliates do not guarantee the accuracy or applicability of the information included in any customer review. Ratings and Reviews are powered by Bazaarvoice, a 3rd party vendor not affiliated with AXA Equitable or its affiliates. For questions or concerns about the ratings and reviews presented here, please call 800-628-6673. GE-116658 (07/2016)

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 

GE-127044 (08/2017)

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