American Funds Insurance Series | American Funds

American Funds Insurance Series®

American Funds Insurance Series funds have provided superior long-term results for investors since 1984. The funds cover all major asset classes and are available through products offered by many of the nation’s insurance leaders.

Benefits

  • Aligned With Investor Success — We base our decisions on a long-term perspective, which we believe aligns our goals with the interests of our clients. American Funds Insurance Series portfolio managers average 27 years of investment experience, including 22 years at our company, reflecting a career commitment to our long-term approach.1
  • The Capital System — The Capital System combines individual accountability with teamwork. Funds using The Capital System are divided into portions that are managed independently by investment professionals with diverse backgrounds, ages and investment approaches. An extensive global research effort is the backbone of The Capital System.
  • Superior Long-Term Track Record — American Funds Insurance Series equity funds have beaten their comparable Lipper indexes in 93% of 10-year periods and 100% of 20-year periods. Our fixed income funds have beaten their comparable Lipper indexes in 69% of 10-year periods and 84% of 20-year periods.2 We strive to keep management fees competitive. Over the past 20 years, most funds’ fees have been below industry averages.3

Availability

  • When selecting long-term investments for variable annuity and variable life insurance products, many investors choose contracts that offer the funds in the American Funds Insurance Series.
  • American Funds Insurance Series funds are only available in insurance company products. See provider information below.

American Funds Insurance Series Funds


Growth


Growth & Income


Equity-Income


Asset Allocation


Balanced


Bond

American Funds Insurance Series – Managed Risk Funds

We created managed risk funds to help provide investors with some downside protection during declines. For investors who are seeking to manage volatility and are willing to forgo some potential upside in exchange for potentially smoother returns over time, managed risk funds may help their retirement savings last longer.

Hear how our managed risk funds combine an underlying fund with a managed risk overlay to help smooth the retirement journey.

American Funds Insurance Series — Portfolio Series℠

The five funds in the Portfolio Series are designed to help investors address specific needs such as:

  • Building retirement savings
  • Planning for retirement distributions
  • Preserving long-term assets

The funds are aligned with two broad objectives — capital growth, or a balance of capital growth with income — to provide investors with a structured approach to pursuing specific goals as well as broad diversification.

The series includes three managed risk options that seek to manage volatility and help preserve capital during significant market declines.

Each Portfolio Series fund is a blend of individual funds within American Funds Insurance Series, which has been helping investors pursue retirement goals for more than 30 years.

Portfolio Series funds are actively monitored by a group of senior investment professionals with varied backgrounds and approaches, and decades of industry experience. They regularly review the funds’ results and holdings to keep them aligned with their objectives.


Balance Portfolios

Appreciation Portfolios

Providers

American Funds Insurance Series funds are available in variable insurance products offered by:

Lincoln offers the American Legacy variable annuity that provides access to all of the American Funds Insurance Series funds.

PRODUCTS & SOLUTIONS

Simplify Fund Selection With American Funds Insurance Series® Model Portfolios


Investments are not FDIC-insured, nor are they deposits of or guaranteed by a bank or any other entity, so they may lose value.

Investors should carefully consider investment objectives, risks, charges and expenses. This and other important information is contained in the fund prospectuses and summary prospectuses, which can be obtained from a financial professional and should be read carefully before investing. 

Investing outside the United States involves risks, such as currency fluctuations, periods of illiquidity and price volatility, as more fully described in the prospectus. These risks may be heightened in connection with investments in developing countries. Small-company stocks entail additional risks, and they can fluctuate in price more than larger company stocks. 

The return of principal for bond funds and for funds with significant underlying bond holdings is not guaranteed. Fund shares are subject to the same interest rate, inflation and credit risks associated with the underlying bond holdings. Lower rated bonds are subject to greater fluctuations in value and risk of loss of income and principal than higher rated bonds. Investments in mortgage-related securities involve additional risks, such as prepayment risk, as more fully described in the prospectus. 

Bond ratings, which typically range from AAA/Aaa (highest) to D (lowest), are assigned by credit rating agencies such as Standard & Poor's, Moody's and/or Fitch, as an indication of an issuer's creditworthiness.

Investment allocations for funds of funds may not achieve fund objectives. There are expenses associated with the underlying funds in addition to fund-of-funds expenses. The funds' risks are directly related to the risks of the underlying funds, as described herein. 

All Capital Group trademarks referenced are registered trademarks owned by The Capital Group Companies, Inc. or an affiliated company. All other company and product names mentioned are the trademarks or registered trademarks of their respective companies.

1

Portfolio manager experience as of the American Funds Insurance Series prospectus dated May 1, 2018.

2

Based on Class 1 share results for rolling periods through December 31, 2017. Periods covered are the shorter of the fund’s lifetime or since the inception date of the comparable Lipper index. The comparable Lipper indexes are: Global Funds Index (Global Growth Fund, Global Growth and Income Fund), Growth Funds Index (Growth Fund), International Funds Index (International Fund), Emerging Markets Funds Index (New World Fund), Growth & Income Funds Index (Blue Chip Income and Growth Fund, Growth-Income Fund), Balanced Funds Portfolio Index (Asset Allocation Fund), Core Bond Funds Index (Bond Fund), Global Income Funds Index (Global Bond Fund), High Yield Funds Index (High-Income Bond Fund), Ultra-Short Obligation Funds Index (Ultra-Short Bond Fund) and General U.S. Government Funds Index (U.S. Government/AAA-Rated Securities Fund). The Lipper Global Small-/Mid-Cap Funds Average was used for Global Small Capitalization Fund.

3

Based on management fees for the 20-year period ended December 31, 2017, versus comparable Lipper categories, excluding funds of funds.

The Portfolio Series funds are monitored; allocations and funds may change.

Futures may not provide an effective hedge of the underlying securities because changes in the prices of futures may not track those of the securities they are intended to hedge. In addition, the managed risk strategy may not effectively protect the fund from market declines and will limit the fund's participation in market gains. The use of the managed risk strategy could cause the fund's return to lag those of the underlying funds in certain market conditions.

Content contained herein is not intended to serve as impartial investment or fiduciary advice. The content has been developed by Capital Group, which receives fees for managing, distributing and/or servicing its investments.

Past results are not predictive of results in future periods.