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Investing with Protective%%®%% Aspirations Variable Annuity

A solid investment strategy is key to preparing clients for the retirement they want.
Protective Aspirations variable annuity has a range of investment options and approaches to help you support their goals.

Why invest with Protective Aspirations variable annuity

The selection of high-quality, diverse funds
We focus on quality. You’ll find many funds with long performance histories and a wide array of asset categories in our lineup.
The ability to choose a turnkey or custom approach
With a choice of turnkey, pre-selected allocation options or a customized portfolio, you can tailor an approach to your clients’ investment preferences.
The flexibility of our protected lifetime income benefit
Whether they’re protectors or investors, clients have the flexibility to guide their investment when they add a  protected lifetime income benefit to their annuity.¹
Access over 90 high-quality funds from leading fund managers

The quality of our lineup starts with our selection of leading fund managers. Each was chosen for their high level of professional credentials and experience. And the quality speaks for itself: 45% of our funds consistently receive 4- and 5-star Overall Morningstar Ratings%%™%%

 

To view fund information, select the variable product type and name.
the logos of the carefully selected fund managers represented in our lineup.

Offer clients a choice of approaches for their investment strategy

The Protective Aspirations variable annuity offers a choice of investment approaches to help you align to your clients’ preferences and instill more confidence in their ability to achieve their growth goals.
Choose one of our simple turnkey solutions
Construct a custom allocation strategy

Our turnkey solutions

Our Protective model portfolios can simplify the asset allocation process for clients who may become overwhelmed by too many investment choices. Each offers broad diversification by asset class and fund manager.

Protective Life Model Portfolio
Growth focus*
Growth*
Balanced toward growth*
Balanced growth and income
Balanced toward income
Moderate income
Income focus
*Not available for allocations on and after the Benefit Election Date on contracts with SecurePay Protector optional protected lifetime income benefit.
Target Allocation
80% equity / 20% fixed income
70% equity / 30% fixed income
60% equity / 40% fixed income
50% equity / 50% fixed income
40% equity / 60% fixed income
30% equity / 70% fixed income
20% equity / 80% fixed income

American Funds Insurance Series%%®%% funds are objective-based insurance portfolios. These portfolios offer a blend of five individual funds within the American Funds%%®%% IS — one of the largest families of funds for variable annuities. 
American Funds Insurance Series%%®%%
Conservative
Balanced*
Appreciation*
*Not available on contracts with an optional protected lifetime income benefit.
May be appropriate for
Investors who wish to avoid wide market fluctuations, but still seek the potential for modest growth.
Investors who have a preference for growth and lower volatility.
Investors who seek a higher return and can withstand wide market fluctuations.
Proximity to retirement
Closer
Mid-range
Further
Risk tolerance
Lower
Moderate or Balanced
Higher
Financial professional talking to clients about Protective Variable Annuity II B Series.
Construct a custom allocation strategy

If you and your clients prefer a do-it-yourself approach, our performance center provides the information and performance details you’ll need, or contact our knowledgeable team for support. We also offer strategies to instill confidence during market swings, like the Protective Dynamic Allocation Series. Learn more about investment strategies in the Investment Guide. 

 

Download the investment guide.

Access fund performance information easily with our interactive tool
Our online tool helps you quickly access fund information and quarterly performance details. This resource covers both variable annuity and variable universal life insurance investment options, as well as our variable annuity model portfolios.

 

To view performance information and run reports, select the variable product type and name.
 
Investing with a protected lifetime income benefit
This variable annuity offers two protected lifetime income options. With either, clients can guide their investment to help achieve their retirement growth goals. The SecurePay Protector℠ benefit offers turnkey models as well as customizable options. The SecurePay Investor℠ benefit offers enhanced subaccount flexibility.
Grandfather carries his grandchild on his shoulders.

Other related topics

Retiree enjoying time with his grandchildren knowing his Protective annuity provides lifetime coverage and income protection.
Lifetime coverage and income protection plus growth potential
Financial professional discussing investment options with clients
Offer growth potential and investment flexibility with SecurePay Investor
Couple enjoying guaranteed lifetime income on a tennis court
Offer protected lifetime income and growth potential with SecurePay Protector
We're here for you
Everyone deserves peace of mind when it comes to safeguarding what’s most important. We’re ready to help you deliver the protection and security your clients deserve. Reach out to us anytime for questions and support, and we’ll get in touch with you as soon as possible.

¹SecurePay Protector and SecurePay Investor are optional protected lifetime income benefits available at an additional cost with Protective Aspirations variable annuity from Protective.

²Morningstar® data as of September 30, 2022 (Protective Aspirations variable annuity). © Morningstar. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results.

Protective refers to Protective Life Insurance Company (PLICO) and its affiliates. Variable annuities are issued by PLICO in all states except New York; securities offered by Investment Distributors, Inc. (IDI) the principal underwriter for registered products issued by PLICO, its affiliate. PLICO is located in Nashville, TN. IDI is located in Birmingham, AL. Each company is solely responsible for the financial obligations accruing under the products it issues. Product guarantees are backed by the financial strength and claims-paying ability of the issuing company. Policy form numbers, product availability and product features may vary by state.

Protective is a registered trademark of PLICO. The Protective trademarks logos and service marks are property of Protective Life Corporation and are protected by copyright, trademark, and/or other proprietary rights and laws.

Protective Aspirations 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 Investor benefits issued under rider form number VDA‐P‐6063. SecurePay Protector benefits issued under rider form number VDA‐P‐6061. SecurePay Nursing Home benefits issued under form number IPV‐2159. Policy form numbers, product availability and product features may vary by state.

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 changes 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 at 800-456-6330.

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