Where Diversification Meets Direction

Put Elite Access to Work for You

Elite AccessSM gives you a wide range of investment options, philosophies, and expertise—all optimized through the benefit of tax deferral.1 You can construct an entire portfolio yourself, or you can choose from one of our expertly crafted packaged strategies.

Individual Investments

  • Traditional Investments – Options from well-known reputable active managers like American Funds, T. Rowe Price, BlackRock and Franklin Templeton — that span many investment types.
  • Alternative Investments – These asset classes, including managed futures, commodities and listed private equity, can provide you with greater diversification2 that may help adjust a portfolio's risk/return characteristics. How? They often perform differently from traditional investments under the same market conditions.

Packaged Strategies

  • Risk Management – To address day-to-day market unpredictability and volatility, the Curian Dynamic Risk Advantage® Strategies seek to systematically reduce risk exposure when markets trend downward and systematically seek growth when markets trend upward.
  • Tactically Managed – While traditional static asset allocation can lock you into falling markets, tactical management is designed to provide monthly asset allocation that responds to both positive and negative market conditions.
  • Guidance Portfolios – These portfolios combine traditional and alternative investments with risk management strategies in an effort to minimize risk, enhance diversification and address your individual investment goals.

Alternative Investments can include: Commodities, which are things that come out of the earth in the form of raw materials, agricultural goods, and fuel; Managed Futures which are a financial contract obligating the buyer to purchase an asset (or the seller to sell an asset), such as a physical commodity or a financial instrument, at a predetermined future date and price; and Listed Private Equity made up of companies that are publicly traded vehicles and generally invest capital in privately held businesses. There are other alternative investments, as well.

1 Tax deferral offers no additional value if an annuity is used to fund a qualified plan, such as a 401(k) or IRA, and may be found at a lower cost in other investment products. It also may not be available if the annuity is owned by a "non-natural person" such as a corporation or certain types of trusts.
2 Diversification does not assure a profit or protect against loss in a declining market.

A variable annuity is a long-term, tax-deferred investment designed for retirement, involves investment risks and may lose value. Earnings are taxable as ordinary income when distributed and may be subject to a 10% additional tax if withdrawn before age 59½.