There are other retirement plans available aside from the 403(b).  There are several types of IRAs available:

Traditional IRA - A Traditional IRA (Individual Retirement Account) is a self-sponsored retirement savings plan. Contributions to an IRA may or may not be tax-deductible depending on your adjusted gross income. >more info

Roth IRA - Contributions to a Roth IRA are not deductible and the maximum annual contribution is the lesser of 100% of compensation or $4,000. Non-working spouses may also contribute up to $4,000 to a Roth IRA. For individuals age 50+, contributions may be increased by $500. Taxpayers with joint adjusted gross income under $150,000 (under $95,000 for single taxpayers) may make full Roth IRA contributions. Contributions may be made beyond age 70½ and qualified distributions from a Roth IRA are tax-free, subject to IRS limitations. There are no required minimum distributions on Roth IRAs. >more info

Fixed-Index Universal Life - Fixed index universal life (FIUL), represents the best of both worlds – protection from loss combined with the opportunity for growth. FIUL provides affordable permanent life insurance protection with the potential for market index gains to your accumulation value, while eliminating any possibility for downside market index risk. >more info