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EQUI-VEST® 403(b) TSA


A Cost-effective Approach for Retirement

Administrative and Record Keeping Services

Investment Options

Features and Benefits

Innovative Communication Tools for Plan Participants


Download Prospectus and Supplements 


For more complete details, please download the current EQUI-VEST® variable deferred annuity prospectus, any applicable prospectus supplements and the product fact card, above.

  • Key Features
  • Investment Options
  • Next Steps

A Cost-effective Approach for Retirement

 EQUI-VEST® 403(b) TSA is a cost-effective variable deferred annuity contract1 that offers employees a convenient way to contribute and invest for retirement.  

This contract is designed specifically for plans of:

  • Public Education Institutions
    •   Public schools
    •   Colleges and universities
  • 501(c)(3) Organizations
    •   Hospitals
    •   501(c)(3) organizations such as museums, zoos,
        etc.

Contributions to, and any earnings within, an EQUI-VEST® 403(b) TSA are not subject to federal income tax until they are withdrawn. Since contributions are typically or frequently made on a pre-tax basis, taxable income is reduced and immediate tax savings are obtained.

Variable deferred annuities are long-term retirement contracts designed to accumulate funds and then to provide lifetime payments.There are 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.

Administrative and Record Keeping Services

 

AXA Equitable's 403(b) Information Center - AXA Equitable's information and resource Web site to help employers manage their 403(b) plans.

 Through our Employer Plan Administration Center (EPAC), AXA Equitable offers administrative and record keeping services designed to simplify and streamline the day-to-day activities of managing your plan. Plan sponsors will be able to:
  • View your plan information including provider lists, participant lists and EQUI-VEST® 403(b) TSA account balances with year-to-date contributions and rollovers.
  • Upload contribution files with EQUI-VEST® 403(b) TSA contribution data.
  • Access/share employee data needed to evaluate loan and/or hardship withdrawal requests.

Click here to view a demo.

Investment Options

 EQUI-VEST® 403(b) TSA offers a wide range of investment options2 across different asset classes.
  • 41 separate investment options to choose from.
  • Asset Allocation Portfolios – Allows employees to attain an asset mix based on risk tolerance or time horizon until retirement.
  • Asset Class-Specific Portfolios – Focused on a single asset class; aimed at investors who prefer to customize their own asset allocations and choose their own investments.
  • A Guaranteed Interest Option (GIO) – Offers a fixed rate of return.

Features and Benefits

 The features and benefits available in an EQUI-VEST® 
403(b) TSA contract meet a myriad of needs for employees’ retirement savings. 

Depending on how a plan is structured, employees may have access to:

Features

  • Special Dollar Cost Averaging (DCA) Account
  • Investment Simplifier
  • Automatic Asset Rebalancing

Benefits

  • Account Balance Access
    •   Loans
    •   Systematic and Partial Withdrawals3
    •   Annuity Payout Options
    •   Required Minimum Distribution Automatic
         Withdrawal Option
  • Standard Death Benefit
  • Beneficiary Continuation Option

Innovative Communication Tools

EQUI-VEST® 403(b) TSA provides a full complement of communications that can help administer plans and helps plan participants monitor their account progress and helps them make financial decisions.

Plan sponsors will receive:

  • Contribution statements – available bi-weekly, monthly, quarterly, or annually.
  • Plan reports – available quarterly, upon request.
  • Summary annual statements – available at the end of each calendar year, upon request.

Participants will receive:

  • A Welcome Guide that serves as a guide to understanding the EQUI-VEST® 403(b) TSA contract.
  • Confirmation Notices that detail contribution, transfer and withdrawal activity.
  • Statements of Account that highlight asset allocation, account value and performance results for each quarter.

Beyond statements and reports, participants can access their accounts via telephone and the Internet:

  • Telephone Services – Automated account information and live access to a customer service representative.
  • Special Services for Hearing- or Speech- Impaired Clients.
  • Online Services – A consolidated view of their contracts, available 24 hours a day, 7 days a week.
1 Funding a tax qualified retirement plan or arrangement with an annuity does not provide any additional tax benefits, however, doing so can provide you with additional insurance benefits and contract features beyond tax deferral. You may 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. Participants may want to consider the relative features, benefits and costs of this annuity with any other investment that they may have in connection with their retirement plan or arrangement.

2 Amounts in variable investment options are subject to fluctuation in value and market risk, including loss of principal. Participants will incur higher costs with asset allocation portfolios than if they were to invest directly in the underlying portfolios. Guarantees are based on the claims-paying ability of AXA Equitable.

3 Withdrawals and distributions of taxable amounts are subject to ordinary income tax and, if made prior to age 59½, may be subject to an additional 10% federal income tax penalty.

This is not a complete description of the EQUI-VEST® 403(b) TSA variable annuity contract. Variable annuities have limitations.  For costs and complete details, contact a financial professional. Variable annuities, such as EQUI-VEST®, are offered by prospectus only. The prospectus contains information about the product’s features, risks, charges and expenses, and the investment objectives, risks and policies of the underlying portfolios, as well as other information about the underlying funding choices. Please click here or contact your financial professional to obtain a prospectus for complete details. Read the prospectus and consider this information carefully before you invest or send money. Product availability and features will vary by state. We offer other variable annuity contracts with different fees, charges and features, for more information on availability contact us (212-554-1234). Variable annuities are issued by AXA Equitable Life Insurance Company and are distributed by an affiliate, AXA Advisors, LLC, member SIPC. AXA Equitable and AXA Advisors do not provide tax or legal advice.

Please be advised that this page is not intended as legal or tax advice. Accordingly, any tax information provided on this page 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. The tax information 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.

EQUI-VEST® is a registered service mark of AXA Equitable Life Insurance Company, New York, NY 10104.

Contract form #s: 2006BASE-A/B, 2006BASE-1-A/B and any state variations

GE-48587 (3/09)

 


Variable Investment Options

Growth Potential

Our variable investment options offer the opportunity to direct how your annuity contributions or life insurance premium payments are invested among a wide array of stock, bond, international and money market investment options.

This access provides an opportunity for growth of your account value.  Please keep in mind that variable investment options are subject to fluctuations in value and market risk, including loss of principal.

Quality

Evaluating investment options has never been easy. And in today’s investment environment, where investors have literally thousands of choices, you need an objective and expert guide.

Through a multiple-step selection process, we systematically narrow the universe of money management firms to identify money managers that are best suited to meet specific investment goals.

Many of our money managers are household names you’re sure to recognize. Others are better known among large institutional investors.

Choice

Our variable investment option platform is designed to help meet the needs of a wide variety of investors, while being responsive to an ever-changing market environment. We offer a carefully selected menu of investment options that meets the needs of diversification-minded investors, while accommodating individual preferences and risk appetites.

Simplicity

For investors who want a simplified approach to building a diversified portfolio, a series of asset allocation portfolios are available. No matter which series you choose, each portfolio is constructed as a "fund-of-funds," diversified by AXA Equitable’s team of investment specialists. With one simple investment, you gain access to the combined performance of multiple portfolios, depending on the strategy chosen.

The Benefits of AXA Allocation Portfolios Managed by AXA Equitable 

  • Tailored to Meet Your Goals — you can pursue your individual goals whether based on your personal risk tolerance or time horizon
  • Convenient — you get a well-diversified investment program in a single portfolio, utilizing multiple money managers, asset classes and investment styles
  • Professionally Managed — you can access well-established money managers, monitored continuously and replaced when necessary
  • Automatic Rebalancing — portfolios are rebalanced regularly by trained professionals to keep your investment on track

Please note that AXA Allocation Portfolios entail fees and costs in addition to the fees and costs incurred in the Portfolios' underlying investment earnings.

 Performance

As many investors have learned, a portfolio manager can suddenly leave a firm, or deviate from his or her investment style in pursuit of short-term returns. Many times these changes occur without the investors’ knowledge, which could alter the course of a disciplined investment strategy.

That’s why our seasoned team of investment professionals continuously “manages the managers” once they have been selected. This is a dynamic process that holds each money manager accountable and keeps them focused on delivering consistent, long-term results.

Learn More

To learn more about the individual investment options, such as investment strategy, Morningstar rating, top holdings and more, browse our Variable Investment Portfolio Fact Sheets.

You should consider the charges, risks, expenses, and investment objectives carefully before investing.  Please click the link at the top of this page to download the product prospectus, which contains this and other information

Variable products are issued by AXA Equitable Life Insurance Company (NY, NY) and are co-distributed by affiliates AXA Advisors, LLC and AXA Distributors, LLC.

GE 43448 (3/08)


Professional Guidance Counts

Your financial professional can be an invaluable resource in helping you:
  • Complete a financial needs analysis
  • Evaluate the financial strategies available to you, and
  • Select appropriate financial products designed to help you reach your goals

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