A solid investment strategy is key to preparing clients for the retirement they want. Protective Investors Benefit Advisory variable annuity has a range of investment options and objectives to help you support their goals.
Why invest with Protective Investors Benefit Advisory variable annuity
Selection of high-quality, diverse funds
Ability to choose a turnkey
or custom approach
Flexibility of a protected lifetime income benefit
Offer clients a choice of approaches in their investment strategy
Protective Investors Benefit Advisory variable annuity offers a choice of turnkey and custom allocation options to help you align to your clients' preferences and help them achieve their growth goals.
For a simplified approach, Protective Investors Benefit Advisory variable annuity has a choice of preselected allocation portfolios. Each offers a distinct approach and range of equity and fixed income allocation targets, so even your more risk-adverse clients can customize a strategy to help meet their goals.
Protective Allocation Portfolios
Simplify the investment process with preallocated portfolios based on various levels of risk tolerance. Each offers broad diversification by asset class and fund manager.
- Conservative Growth: 40% Equity / 60% Fixed Income
- Balanced Growth: 40% Equity / 60% Fixed Income
- Balanced Growth & Income: 50% Equity / 50% Fixed Income
- Growth Focus*: 75% Equity / 25% Fixed Income
*Not available for allocations on contracts with an optional protected lifetime income benefit.
American Funds Insurance Series® Allocation Portfolios
Each portfolio blends investment options from American Funds for objective-based growth potential.
- Conservative: 40% Equity / 60% Fixed Income
- Balanced*: 50% Equity / 50% Fixed Income
- Appreciation*: 75% Equity / 25% Fixed Income
*Not available for allocations on contracts with an optional protected lifetime income benefit.
If you and your clients prefer a do-it-yourself approach, our fund information and performance center will provide the information and performance details you'll need at a later date. In the meantime, contact our knowledgeable team for support.
Investing with the SecurePay Pro benefit
Clients have investment flexibility when they add the SecurePay Pro protected lifetime income benefit to a variable annuity. They still have access to leading fund options and a choice of allocation approaches, while following guidelines that support income guarantees.
Other related topics
Tailor a retirement strategy with fee-based Protective%%®%% Investors Benefit Advisory variable annuity
Secure a legacy with Protective%%®%% Investors Benefit Advisory Variable Annuity enhanced death benefits
Deliver lifetime income and flexibility with the SecurePay Pro%%SM%% income benefit
We’re here for you
Count on us to support you and the way you do business. Reach out to our dedicated RIA support team for help with running illustrations, submitting applications and servicing your fee-based life insurance and annuity business.
¹SecurePay Pro is an optional protected lifetime income benefit available at an additional cost.
Protective refers to Protective Life Insurance Company (PLICO), Nashville, TN, and its affiliates, including Protective Life and Annuity Insurance Company (PLAIC), Birmingham, AL. Variable annuities are distributed by Investment Distributors, Inc. (IDI), Birmingham, AL, a broker‐dealer and the principal underwriter for registered products issued by PLICO and PLAIC, it's affiliates. Product guarantees are backed by the financial strength and claims-paying ability of the issuing company.
Protective Investors Benefit Advisory variable annuity is a flexible premium deferred variable and fixed annuity contract issued by PLICO in all states except New York under policy form series VDA-P-2006. SecurePay Pro benefits provided under rider form VDA-P-6057. Policy form numbers, product availability and product features may vary by state.
Protective Investors Benefit Advisory NY variable annuity is a flexible premium deferred variable and fixed annuity contract issued by PLAIC in New York under policy form series VDA-A-2006-500.-SecurePay Pro benefits provided under rider form VDA-A-6057.
Variable annuities are long-term investments intended for retirement planning and involve market risk and the possible loss of principal. Investments in variable annuities are subject to fees and charges from the insurance company and the investment managers.
Withdrawals reduce the annuity’s remaining death benefit, contract value, cash surrender value and future earnings. Withdrawals may be subject to income tax and, if taken prior to age 59½, an additional 10% IRS tax penalty may apply. More frequent withdrawals may reduce earnings more than annual withdrawals. During the withdrawal charge period, withdrawals in excess of the penalty-free amount may be subject to a withdrawal charge.
Investors should carefully consider the investment objectives, risks, charges and expenses of a variable annuity, any optional protected lifetime income benefit and the underlying investment options before investing. This and other information is contained in the prospectus for a variable annuity and its underlying investment options. Investors should read the prospectus carefully before investing. Prospectuses may be obtained by calling PLICO or PLAIC at 800-456-6330.
WEB.4959671.06.23
Protective refers to Protective Life Insurance Company (PLICO), Nashville, TN, and its affiliates, including Protective Life and Annuity Insurance Company (PLAIC), Birmingham, AL. Variable annuities are distributed by Investment Distributors, Inc. (IDI), Birmingham, AL, a broker‐dealer and the principal underwriter for registered products issued by PLICO and PLAIC, it's affiliates. Product guarantees are backed by the financial strength and claims-paying ability of the issuing company.
Protective Investors Benefit Advisory variable annuity is a flexible premium deferred variable and fixed annuity contract issued by PLICO in all states except New York under policy form series VDA-P-2006. SecurePay Pro benefits provided under rider form VDA-P-6057. Policy form numbers, product availability and product features may vary by state.
Protective Investors Benefit Advisory NY variable annuity is a flexible premium deferred variable and fixed annuity contract issued by PLAIC in New York under policy form series VDA-A-2006-500.-SecurePay Pro benefits provided under rider form VDA-A-6057.
Variable annuities are long-term investments intended for retirement planning and involve market risk and the possible loss of principal. Investments in variable annuities are subject to fees and charges from the insurance company and the investment managers.
Withdrawals reduce the annuity’s remaining death benefit, contract value, cash surrender value and future earnings. Withdrawals may be subject to income tax and, if taken prior to age 59½, an additional 10% IRS tax penalty may apply. More frequent withdrawals may reduce earnings more than annual withdrawals. During the withdrawal charge period, withdrawals in excess of the penalty-free amount may be subject to a withdrawal charge.
Investors should carefully consider the investment objectives, risks, charges and expenses of a variable annuity, any optional protected lifetime income benefit and the underlying investment options before investing. This and other information is contained in the prospectus for a variable annuity and its underlying investment options. Investors should read the prospectus carefully before investing. Prospectuses may be obtained by calling PLICO or PLAIC at 800-456-6330.
WEB.4959671.06.23