Investment guidelines to support guaranteed income
Offer customers a choice of investment approaches
For a simplified approach, the SecurePay 5 benefit has a choice of preselected allocation portfolios. Each offers a distinct approach and range of equity and fixed income allocation targets, so even more risk-adverse customers 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 & Income: 50% Equity / 50% Fixed Income
- Balanced Growth: 60% Equity / 40% 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 customers 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. Customers 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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We’re here for you
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 PLAIC at 800-456-6330.
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