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Keep clients' plans on track by discussing reliance rate

Help strengthen your clients’ retirement income plans with a portfolio reliance rate review. We are by your side with resources and solutions that can help you incorporate these reviews into your practice and better support a client's plans.
How to stress test a portfolio
Help your clients understand the concept of a reliance rate by using a health care analogy. Offer to measure the health of a client’s current retirement income strategy by checking:
  1. “Heart rate” – the withdrawal rate
  2. “Blood pressure” – the reliance rate

Then, run the numbers using our reliance rate worksheet to set up your recommendations for better financial health.
Abstract illustration of a checklist, pen, and stethoscope to show how to stress test a portfolio using a medical analogy.
Video thumbnail for reliance rate video.
Help clients see the value in these reliance rate reviews
Learn more about how a reliance rate can help you protect your clients by watching this video to see a reliance rate in action.

Solutions that can help lower portfolio reliance rates

When you've identified a need for guaranteed income in your clients' plans, our suite of annuity products can help you deliver a solution that best fits your clients' retirement goals. Explore our options below.
Income with growth potential
Protective® Aspirations Variable Annuity

Variable annuity

Growth potential, flexible income solutions and enhanced legacy protection
Income soon
Protective® Income Creator Fixed Annuity

Fixed annuity

Protected lifetime income with access to money
Income later
Protective® Income Builder Indexed Annuity

Indexed annuity

8% benefit base rollup¹ and competitive withdrawal rates
Income with protection focus
Protective® Guaranteed Income Indexed Annuity

Indexed annuity

Guaranteed income for life, potential for base bonuses and payout flexibility

Other related topics

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The role of guaranteed income in retirement planning
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Important income risks to consider in retirement planning
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Risks to consider when accumulating retirement savings
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.
¹ Your Benefit base (the amount on which your benefit withdrawals are determined) is guaranteed to increase by 8% of the total purchase payments every year for up to ten years, or until benefit election, whichever occurs first.