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Investment and income flexibility with Protective%%®%% Investors Benefit Advisory variable annuity

This fee-based variable annuity can help you customize a retirement plan including: tax-deferred growth, investment diversification, lifetime retirement income, and legacy protection.

Why should clients consider the Protective Investors Benefit Advisory variable annuity?

It’s a fee-based solution that can help you tailor a financial plan to address all of the unique retirement needs of your clients.
Cost-effective solution
Competitive ME&A fees and investment options as low as 0.11%.
Valuable optional benefits
Guaranteed income and a nursing home endorsement, available with SecurePay ProSM rider.
Powerful tax deferral
Allows your clients to accumulate wealth faster.

Helpful resources for Protective Investors Benefit Advisory variable annuity

Want more top-level details? Ready to take a deeper dive into the features and benefits? Just download these product materials.
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Everything you need to know to understand the full picture
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At-a-glance, quick reference that highlights the features and benefits
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Turnkey and do-it-yourself investment options to explore
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The benefits of the Advisory Fee Deduction Program explained
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See Protective Investors Benefit Advisory variable annuity product details
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Introduce NY clients to Protective Investors Benefit Advisory NY variable annuity

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¹ SecurePay NH nursing home enhancement may not be available in all states and may not be available with new contracts in the future. To qualify for SecurePay NH, the client must: Be confined to a qualified nursing care facility; be unable to perform two out of six specified Activities of Daily Living or be diagnosed with a severe cognitive impairment; have not been in a nursing home one year before and after purchasing an optional protected lifetime income benefit. Proof of continued qualification is required for each contract year in which this benefit is claimed.

Protective Investors Benefit Advisory variable annuity is a flexible premium deferred variable and fixed annuity contract issued by PLICO in all states except New York under policy form VDA-P-2006 and state variations. SecurePay Pro benefits provided by PLICO under rider form VDA-P-6057. SecurePay NH issued under endorsement form series IPV-2159.

Protective Investors Benefit Advisory NY variable annuity is a flexible premium deferred variable and fixed annuity contract issued by PLAIC in New York under policy form VDA-A-2006-500. SecurePay Pro benefits provided by PLAIC under rider form VDA-A-6057.

Protective does not offer or provide investment, fiduciary, financial, legal or tax advice or act in a fiduciary capacity for any client. Please consult with your investment advisor, attorney or tax advisor as needed.

Variable annuities are long-term investments intended for retirement planning and involve market risk and the possible loss of principal. Investments in variable annuities are subject to fees and charges from the insurance company and the investment managers. Protective is a registered trademark of Protective Life Insurance Company. Investors Benefit Advisory is a trademark of Protective Life Insurance Company.

Investors should carefully consider the investment objectives, risks, charges and expenses of a variable annuity, any optional protected lifetime income benefit, advisory fees, and the underlying investment options before investing. This and other information is contained in the prospectus for a variable annuity and its underlying investment options. Investors should read the prospectus carefully before investing. Prospectuses may be obtained by contacting PLICO or PLAIC at 800-456-6330.

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