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Protect retirement income with a portfolio reliance rate review

Help strengthen your clients’ 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 clients’ retirement goals.
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
Play this video to show clients how a reliance rate works and how reviewing this rate can increase confidence in their retirement income strategy.

Solutions that can help lower portfolio reliance rates

When you've identified a need for guaranteed income in a client’s plan, our suite of annuity solutions can help you deliver a solution that best fits their retirement goals. Explore our options below.
Income with growth potential
Protective® Dimensions V 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

Other related topics

Couple pauses during a bike ride to take a selfie happy knowing their Protective Income Creator Fixed Annuity
Protective%%®%% Income Creator fixed annuity provides lifetime income
Couple exploring guaranteed income options on their laptop.
Why guaranteed income supports your clients’ retirement confidence
retired couple walking and smiling, knowing their retirement goals are protected by a Protective Dimensions IV variable annuity.
Protective%%®%% Dimensions V variable annuity helps meet more retirement goals

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.
Protective Income Creator fixed annuity is a fixed, single premium, deferred annuity contract with a limited market value adjustment issued by PLICO in all states except New York under policy form LDA-P-2013. Policy form numbers, product availability, and product features may vary by state.

Protective Dimensions V 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 Income benefits issued under rider form number VDA‐P‐ 6068 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 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 contacting Protective at 800‐456‐6330.