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Happy couple enjoying a secure retirement with a solid guaranteed income plan.
Happy couple enjoying a secure retirement with a solid guaranteed income plan.
Boost retirement confidence with guaranteed income
Clients can feel more confident in the future they've worked hard for when a portion of retirement income is derived from guaranteed sources. Start a guaranteed income conversation with your clients and help them protect their vision for retirement.

3 benefits of guaranteed income for clients

Financial
Research finds that retirees who hold a larger portion of their wealth in guaranteed income actually spend more than retirees who hold equal wealth in investments.¹
Emotional
The security of a protected paycheck reduces or lessens the stress of market ups and downs from your clients’ lives, so they feel more comfortable spending money on their lifestyle.
Budgetary
As clients age, automating a budget with guaranteed income can help them reduce the risk of financial mistakes due to the risk of congitive impairments.
Use this 3-step income planning approach with clients
Employ three easy tactics to strengthen your client's confidence in their retirement plans. Set spending priorities, estimate expenses, and evaluate how flexible their expenses can be. For more on this approach and support to enrich your client conversations, download this white paper by expert Michael Finke.
Financial professional reviewing a white paper detailing a 3-step approach to income planning.

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Explore our guaranteed income solutions

When you've identified a need for guaranteed income in your clients' plans, our suite of annuity solutions can help you deliver a solution that best fits your clients' retirement goals. Explore our options below.

Income soon


Protective® Income Creator Fixed Annuity


Fixed annuity


Protected lifetime income with access to money

Income later


Protective® Income Builder Fixed Indexed Annuity


Indexed annuity


8% benefit base rollup⁶ and competitive withdrawal rates

Income with growth potential

Protective® Variable Annuity II B Series


Variable annuity


Tax deferred growth potential plus an optional lifetime income benefit

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Developing a holistic retirement plan
We're here for you
Everyone deserves peace of mind when it comes to safeguarding what’s most important. We’re ready to help you deliver the protection and security your clients deserve. Reach out to us anytime for questions and support, and we’ll get in touch with you as soon as possible.
1 David Blanchett and Michael Finke, “Guaranteed Income: A License to Spend,” 2021.

2 "The Inner Workings of Retirement Timing: Consumer Behavior and Attitudes", LIMRA Secure Retirement Institute, 2018.

3 Bureau of Labor Statistics, Consumer Expenditure Survey. April 2019

4 What Will Healthcare in Retirement Cost You? The Motley Fool, August 2020.

5 Calculated by Protective Life using data from the S&P 500 Index Daily Returns.

6 Your Benefit base (the amount on which your benefit withdrawals are determined) is guaranteed to increase by 8% of the total purchase payments every year for up to ten years, or until benefit election, whichever occurs first.

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