Help strengthen customers’ retirement income plans with a portfolio reliance rate review. We’re by your side with resources and solutions that can help you incorporate these reviews into your practice and better support customers’ retirement goals.
What is reliance rate?
A reliance rate shows how much a customer plans to rely on their investment portfolio for retirement income, as opposed to guaranteed sources like Social Security or a pension. Those with a higher reliance on their portfolio have a greater chance that market declines could derail their plans.
How to stress test a portfolio
Help customers understand the concept of a reliance rate by using a health care analogy. Offer to measure the health of their current retirement income strategy by checking:
- “Heart rate” – the withdrawal rate
- “Blood pressure” – the reliance rate
Solutions that can help lower portfolio reliance rates
When you've identified a need for guaranteed income in a customer’s plan, our suite of annuity products can help you deliver a solution that best fits their 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
Variable annuity
Growth potential, flexible income solutions and enhanced legacy protection
Income later
Protective® Income Builder Indexed Annuity
Indexed annuity
10% benefit base rollup¹ and competitive withdrawal rates
Indexed annuity
10% benefit base rollup¹ and competitive withdrawal rates
Other related topics
Maximize income, growth and flexibility with Protective%%®%% Aspirations variable annuity
Why guaranteed income supports your customers’ retirement confidence
Protective%%®%% Income Builder Indexed Annuity for income and growth
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 customers 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 10% of the total purchase payments every year for up to ten years, or until benefit election, whichever occurs first.
Protective Income Builder indexed annuity is a limited flexible premium deferred indexed annuity contract with a limited market value adjustment issued under policy form FIA-P-2010 and FIA-P-2011 and state variations thereof. For Idaho, the contract form number is ICC15-FIA-P-2011. The Guaranteed Income Benefit is provided under rider policy form ICC17-FIA-P-6048 and state variations thereof. Policy form numbers, product availability, and product features may vary by state.
Protective Income Builder indexed annuity is not an investment in any index, is not a security or stock market investment, does not participate in any stock or equity investment and does not contain dividends.
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.
Investors should carefully consider the investment objectives, risks, charges and expenses of a variable annuity, any optional protected income benefit, and the underlying investment options before investing. This and other information is contained in the prospectuses for a variable annuity and its underlying investment options. Investors should read the prospectuses carefully before investing. Prospectuses may be obtained by contacting PLICO at 800‐456‐6330.
WEB.4866610.05.23
Protective Income Builder indexed annuity is a limited flexible premium deferred indexed annuity contract with a limited market value adjustment issued under policy form FIA-P-2010 and FIA-P-2011 and state variations thereof. For Idaho, the contract form number is ICC15-FIA-P-2011. The Guaranteed Income Benefit is provided under rider policy form ICC17-FIA-P-6048 and state variations thereof. Policy form numbers, product availability, and product features may vary by state.
Protective Income Builder indexed annuity is not an investment in any index, is not a security or stock market investment, does not participate in any stock or equity investment and does not contain dividends.
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.
Investors should carefully consider the investment objectives, risks, charges and expenses of a variable annuity, any optional protected income benefit, and the underlying investment options before investing. This and other information is contained in the prospectuses for a variable annuity and its underlying investment options. Investors should read the prospectuses carefully before investing. Prospectuses may be obtained by contacting PLICO at 800‐456‐6330.
WEB.4866610.05.23