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
Selection of high-quality, diverse funds
Ability to choose a turnkey
or custom approach
Flexibility of protected
lifetime income benefits
Offer clients a choice of approaches in their investment strategy
Protective Aspirations 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 Aspirations 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.
- Growth Focus: 80% Equity / 20% Fixed Income
- Growth: 70% Equity / 30% Fixed Income
- Balanced Toward Growth: 60% Equity / 40% Fixed Income
- Balanced Growth and Income: 50% Equity / 50% Fixed Income
- Balanced Toward Income: 40% Equity / 60% Fixed Income
- Moderate Income: 30% Equity / 70% Fixed Income
- Income Focus: 20% Equity / 80% Fixed Income
American Funds Insurance Series® Allocation Portfolios
Each portfolio blends investment options from American Funds for objective-based growth potential.
- Equity Focus: 90% Equity / 10% Fixed Income
- Global Growth: 80% Equity / 20% Fixed Income
- Growth: 80% Equity / 20% Fixed Income
- Global Growth and Income: 65% Equity / 35% Fixed Income
- Growth and Income: 65% Equity / 35% Fixed Income
- Global Balanced Growth and Income: 50% Equity / 50% Fixed Income
- Balanced Growth and Income: 50% Equity / 50% Fixed Income
- Conservative: 40% Equity / 60% Fixed Income
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 a protected lifetime income benefit
Clients have investment flexibility when they add a protected lifetime income benefit to Protective Aspirations variable annuity. Explore how each option supports retirement growth goals, depending on whether your client is a protector or an investor.
Other related topics
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Give clients a choice of lifetime income options with Protective Aspirations%%®%% variable annuity
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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.
¹Allocation of Purchase Payments or Contract Value to the Fixed Account is not permitted under the SecurePay Investor benefit.
²SecurePay Protector is an optional protected lifetime income benefit available at an additional cost of 1.40% (1.50% at Right Time) with Protective Aspirations variable annuity.
³SecurePay Investor is an optional protected lifetime income benefit available at an additional cost of 0.50% (0.60% at RightTime) with Protective Aspirations variable annuity.
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. 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.
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 at 800-456-6330.
WEB.4251878.09.23
²SecurePay Protector is an optional protected lifetime income benefit available at an additional cost of 1.40% (1.50% at Right Time) with Protective Aspirations variable annuity.
³SecurePay Investor is an optional protected lifetime income benefit available at an additional cost of 0.50% (0.60% at RightTime) with Protective Aspirations variable annuity.
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. 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.
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 at 800-456-6330.
WEB.4251878.09.23