Alternate Benefit Program (ABP)

The Alternate Benefit Program (ABP) is a 401(a) defined contribution retirement program for higher education faculty and certain administrators. AXA Equitable has developed the EQUI-VEST^SM Vantage^sm ABP 401(a) deferred group variable annuity to allow you to fund New Jersey ABP. The EQUI-VEST^SM Vantage^sm ABP 401(a) annuity allows you to invest your contribution and that of your employer to the ABP in the investment options available under this contract.

In the EQUI-VEST^SM Vantage^sm ABP 401(a) annuity , you will have access to 10 variable investment options, a guaranteed interest option and Fixed Maturity Options which generally have maturity dates that range from one to ten years. Fixed Maturity Options are available for single sum transfers or rollover contributions only.

ABP Contributions at a Glance
You contribute	5% of base salary
Your employer contributes	8% of base salary
For a combined total of	13% of base salary

For additional information on the EQUI-VEST^SM Vantage^sm ABP 401(a), please review the Program Summary, the EQUI-VEST^SMVantage^sm ABP 401(a) Outline or contact a Financial Professional.

Considerations for Choosing Between PERS and ABP

ABP Questions and Answers

EC 28180