The SecurePay Pro benefit offers clients access to our competitive fund lineup through allocation options focused on growing and protecting retirement income.
Investment guidelines to support guaranteed income
Adding the SecurePay Pro benefit to a Protective® Investors Benefit Advisory variable annuity provides clients a stream of guaranteed income for life. Investment parameters help support this important protection feature. These include preselected allocation options and guidelines based on whether the client is accumulating assets or taking income.
Offer clients a choice of investment approaches
The SecurePay Pro benefit offers a choice of turnkey and custom allocation options to align with clients' preferences and instill more confidence in their retirement goals.
For a simplified approach, the SecurePay Pro benefit 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
American Funds Insurance Series® Allocation Portfolios
This portfolio blends investment options from American Funds for objective-based growth potential.
- Conservative: 40% Equity / 60% Fixed Income
For a custom approach, you can help clients build their own diversified portfolio to meet their specific needs with our Allocation by Investment Category program.
Allocation by Investment Categories (AIC)
Each investment option has been assigned to an investment category based on investment risk. Clients may allocate to any investment option in the following categories, provided they follow the minimum and maximum allocation requirements indicated below.
- Conservative Allocation: 40% - 100%
- Moderate Allocation: 0% - 60%
- Aggressive Allocation: 0% - 25%
Other related topics
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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.
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 by PLICO 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 by PLAIC 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.
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.4959541.06.23
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 by PLAIC 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.
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.4959541.06.23