Institutional separate accounts (also known as insurance company separate accounts) are an insurance company type of a collective investment trust (CIT). Like a CIT, institutional separate accounts pool assets from more than one retirement plan to achieve economies of scale and pricing.

Insurance company separate accounts:

• Invest assets in a specific investment strategy, like mutual funds or CITs.
• Are valued daily like mutual funds and CITs.
• Can invest in a wide range of strategies and asset classes.
• From an investor’s point-of-view, operate similarly to certain commingled investment vehicles, but have different structures, features, and risks.
• Are subject to ERISA standards, regulatory standards applicable to certain retirement plans.
• Access to a range of asset managers across traditional and non-traditional asset classes in solutions that span a wide array of risk and return objectives.
• A menu of more than 125 separate account strategies across 49 asset management partners, totaling approximately $106 billion of assets under management (AUM).*
• Offered in the form of insurance company separate accounts, a pooled structure which aggregates assets from multiple retirement plans.

Our institutional separate accounts platform with over 30 years of delivering a broad range of investment strategies from established asset managers, helping institutional defined contribution and defined benefit retirement clients meet their investment and fiduciary needs.