Create an investment strategy that’s right for your client

We understand the importance of choice. We want to provide investors with the opportunity to diversify their portfolios not only by asset class and investment strategy, but also by management style.

With the Principal^® Pivot Series Variable Annuity, we’ve developed three different tracks that are designed to match different investment preferences.

Option 1: Personalized – a build-your-own investment portfolio strategy

By selecting a personalized strategy, clients can create a portfolio based on their investment objectives. There's no limit to the number of investment options they can choose. And they have the flexibility to move money among their investments when they want.

Option 2: Guided – direction on investments to meet risk profile and investment objectives

If your clients want a little more help, consider the guided strategy. We’ve partnered with Morningstar Investment Management, LLC (Morningstar Investment Management), an industry expert, to create five asset allocation models that best align with individual risk profile and objectives.

Option 3: Thematic – a managed approach to investing and diversification

With a thematic allocation strategy, clients invest to achieve a specific outcome such as target date, target risk, managed volatility, or passive investing. This strategy provides six different allocation approaches, each with a mix of stocks, bonds, and other investment options. Investments can be actively managed, which means the underlying investments are constantly monitored and reallocated, or passive, which means that you and your clients control and monitor the underlying investments.

Pivot resources

Pivot investor guide

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A lower-cost variable annuity

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Quality investments

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Investment

performance

Website

Additional features

Flexibility

Rest assured that as your clients' goals or risk tolerances change, so can their investment choices. There are no extra fees (or taxes) for moving funds between subaccounts. So clients can reallocate at any time.

Lower costs

We know fees are a concern for many investors, that’s why we offer affordable options as part of our fund portfolio. In fact, you can create a well-balanced portfolio for a total annual cost under 2%.

Quality investments

We're proud of the investment option selections available with Principal Pivot Series. Their proven history—as illustrated by their Morninstar Ratings™—can help give clients confidence in their choices.^*

Learn more

Contact your local Principal^® rep to ask about variable annuity solutions:

Call today: 800-309-1623

Request more information and we'll be in touch as soon as possible.

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^*Past performance is no guarantee of future results. Morningstar proprietary ratings reflect historical risk-adjusted performance for investment accounts with at least a 3-year performance history and are subject to change each month. Morningstar Ratings™ are calculated from an investment’s three-, five-, and ten-year average annual returns in excess of the 90-day U.S. Treasury bill returns, with appropriate fee adjustments, and a risk factor that reflects performance below the 90-day Treasury bill return. Within each asset class the top 10% of investment accounts receive 5 stars (Highest); the next 22.5% receive 4 stars (Above Average); the middle 35% earn 3 stars (Average); the next 22.5% receive 2 stars (Below Average); and the bottom 10% receive 1 star (Lowest).

The Overall Morningstar Rating for an investment is derived from a weighted average of the performance figures associated with its three-, five- and ten-year (if applicable) Morningstar Rating metrics.

Copyright 2019 Morningstar, Inc. All rights reserved. Part of the investment data contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information.

For financial professional use only. Not for distribution to the public. Guarantees are based on the claims-paying ability of Principal Life Insurance Company.

The Principal® Pivot Series Variable Annuity is issued by Principal Life Insurance Company. Securities offered through Principal Securities, Inc., 800-852-4450, member SIPC and/or independent broker/dealers. Principal Life and Principal Securities are members of the Principal Financial Group^®, Des Moines, Iowa 50392.

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The subject matter in this communication is educational only and provided with the understanding that Principal^® is not rendering legal, accounting, investment advice or tax advice. You should consult with appropriate counsel or other advisors on all matters pertaining to legal, tax, investment or accounting obligations and requirements.

Insurance products and plan administrative services provided through Principal Life Insurance Co., a member of the Principal Financial Group^®, Des Moines, Iowa 50392.