Variable annuity options and riders

Optional benefits can help you offer a more holistic strategy

By including optional benefits and riders on a variable annuity contract, clients may gain an opportunity to meet protection, growth, income and wealth transfer goals for retirement with a single solution.

Address more specific needs

Adding an optional rider to one of our variable annuity contracts helps clients address more specific needs and allows you the opportunity to build a more holistic retirement strategy. Consider how these benefits could help support your clients' unique retirement goals:

Optional protected lifetime income benefits offer a guaranteed stream of income clients can't outlive.
Enhanced death benefit options can help ensure efficient transfer of wealth and more.

Older couple having a fun flying a kite, knowing their retirement is protected.

Explore the optional benefits available with our variable annuity solutions

With a choice of benefits and riders, our portfolio of variable annuities will help ensure you have everything you need to support your clients in a more holistic way and protect their vision of retirement.

SecurePay Protector%%SM%% & SecurePay Investor%%SM%% benefits

Protected lifetime income meets investment flexibility

Protective^® Aspirations variable annuity offers a choice of two optional protected lifetime income benefits. The SecurePay Protector benefit provides guaranteed lifetime income and benefit base growth, from positive market performance. The SecurePay Investor benefit ensures 100% subaccount flexibility* plus guaranteed lifetime income if needed.

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SecurePay Pro%%SM%% benefit

Protected lifetime income with growth potential

The SecurePay Pro protected lifetime income benefit, available on Protective^® Investors Benefit Advisory variable annuity, can help grow your clients' income base with an annual step-up feature that locks in gains even after income election.

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SecurePay 5%%SM%% benefit

Guaranteed growth and lifetime income

The SecurePay 5 protected lifetime income benefit, available on Protective^® Variable Annuity II B Series, helps clients maximize income early on with benefit base growth, and later, with strong annual withdrawal percentages.

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Enhanced legacy protection

Provide for loved ones and transfer wealth efficiently

The enhanced death benefits available with our variable annuities give clients the flexibility they need to support their unique legacy planning goals while avoiding the hassle of probate. Whether wishing to grow their benefit or looking for a simple return of premium option, the choice is theirs.

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