Designed for efficiency and reliability, Protective Aspirations variable annuity provides strong, guaranteed lifetime income — delivered more effectively than leading competitors.²
See what a 7% compounding roll up rate can do for your clients
Use this free report to assess income potential available with Protective® Aspirations variable annuity with SecurePay ProtectorSM optional lifetime income benefit.³
Provide guaranteed income more effectively than competitor solutions
Imagine you’re helping a 55-year-old client solve for a $15,000 annual retirement income gap. See how our income solution is designed to deliver the guaranteed income they’ll need at age 65 with a lower initial investment than other variable annuities.4
Product and benefit
Protective® Aspirations variable annuity with the SecurePaySM Protector benefit
Carrier A variable annuity with guaranteed lifetime withdrawal benefit
Carrier B variable annuity with guaranteed lifetime withdrawal benefit
Carrier C variable annuity with guaranteed lifetime withdrawal benefit
Carrier D variable annuity with guaranteed lifetime withdrawal benefit
Initial investment
$127,087
$144,648
$147,638
$161,638
$160,428
Roll-up rate and guarantee period
7% compounding5 for 10 years
7% simple for 10 years, resets with a step-up
6% simple for 10 years, no resets with a step-up
6% simple until lifetime income starts
7% simple for 10 years, resets with a step-up
Explore key advantages of our lifetime income solution
Discover how Protective Aspirations variable annuity with the optional SecurePay Protector lifetime income benefit can help provide predictable, guaranteed income clients can rely on. Learn how to optimize income strategies and help support more financial confidence in retirement.
Connect with our team
Have questions about Protective Aspirations variable annuity? Call us at 1-833-504-1826, option 1, to speak with a sales representative. Our wholesalers offer personalized support, product insight, and sales strategies to help you confidently serve clients and grow your business.
¹ In New York, the product offered is Protective(R) Aspirations NY variable annuity.
², 4 The hypothetical scenarios are for illustrative purposes only and are not representative of the past or future investment performance of any particular product. These hypothetical scenarios do not assume any return on contract value. Scenarios shown assume each guaranteed lifetime income benefit in its respective variable annuity is selected at issue; no subsequent investments or withdrawals are taken prior to benefit election; do not reflect any contract value appreciation resulting in a step-up to the benefit base; and each living benefit earns its stated benefit base rollup until lifetime income is begun at age 65. These scenarios do not reflect the deduction of fees and charges inherent in investing in a variable annuity with an optional rider. Past performance is no guarantee of future results. These scenarios are based on information believed to be accurate as of 10/7/2024, but is subject to change without notice. Data based on product specifications, including roll-up rates, guarantee periods and annual withdrawal rates, gathered from carrier prospectuses and rate sheets filed with the SEC as of 10/7/2024. The carriers selected represent the largest sellers of traditional individual variable annuities with guaranteed lifetime withdrawal benefits (LIMRA 1Q 2024 Variable Annuity Guaranteed Living Benefit Election Tracking Report). Products and riders selected represent those offering the highest level of guaranteed lifetime income with no decreases when the contract's cash value is depleted. All of the above insurers were rated by S&P with the lowest rated insurer receiving a rating of A (6th highest out of 21). To see Protective's ratings visit https://www.protective.com/about-us/ratings. A rating is not a recommendation to purchase, sell, or hold insurance contracts.
³ SecurePay Protector benefit is available for an additional 1.50% fee at issue (1.60% with RightTime) as a percentage of the benefit base.
5 The 7% compounding roll-up rate will continue to be available annually until 10 benefit base increases have occurred or until benefit withdrawals have begun, if earlier.
Protective Aspirations variable annuity is a flexible premium deferred variable and fixed annuity contract issued by PLICO in all states except New York under policy form series VDA-P-2006. SecurePay Protector benefits provided under rider VDA-P-6061 and state variations thereof. SecurePay Investor benefits provided under rider VDA-P-6063 and state variations thereof. Policy form numbers, product availability and product features may vary by state.
Protective Aspirations NY variable annuity issued under is a flexible premium deferred variable annuity contract issued by PLAIC in New York under policy form series NY-VDA-A-2024. SecurePay Investor benefits issued under rider form number NY-VDA-A-6075. SecurePay Protector benefits issued under rider form number NY-VDA-A-6073.
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.
Withdrawals may be subject to income tax and, if taken prior to age 59½, an additional 10% IRS tax penalty may apply. More frequent withdrawals may reduce earnings more than annual withdrawals. During the withdrawal charge period, withdrawals in excess of the penalty-free amount may be subject to a withdrawal charge. Withdrawals reduce the annuity's remaining death benefit, contract value, cash surrender value and future earnings.
Investors should carefully consider the investment objectives, risks, charges and expenses of a variable annuity, any optional protected lifetime income benefit, and the underlying investment options before investing. This and other information is contained in the prospectuses for a variable annuity and its underlying investment options. Investors should read the prospectuses carefully before investing. Prospectuses may be obtained by contacting PLICO at 800-456-6330.
WEB.5597612.06.25
², 4 The hypothetical scenarios are for illustrative purposes only and are not representative of the past or future investment performance of any particular product. These hypothetical scenarios do not assume any return on contract value. Scenarios shown assume each guaranteed lifetime income benefit in its respective variable annuity is selected at issue; no subsequent investments or withdrawals are taken prior to benefit election; do not reflect any contract value appreciation resulting in a step-up to the benefit base; and each living benefit earns its stated benefit base rollup until lifetime income is begun at age 65. These scenarios do not reflect the deduction of fees and charges inherent in investing in a variable annuity with an optional rider. Past performance is no guarantee of future results. These scenarios are based on information believed to be accurate as of 10/7/2024, but is subject to change without notice. Data based on product specifications, including roll-up rates, guarantee periods and annual withdrawal rates, gathered from carrier prospectuses and rate sheets filed with the SEC as of 10/7/2024. The carriers selected represent the largest sellers of traditional individual variable annuities with guaranteed lifetime withdrawal benefits (LIMRA 1Q 2024 Variable Annuity Guaranteed Living Benefit Election Tracking Report). Products and riders selected represent those offering the highest level of guaranteed lifetime income with no decreases when the contract's cash value is depleted. All of the above insurers were rated by S&P with the lowest rated insurer receiving a rating of A (6th highest out of 21). To see Protective's ratings visit https://www.protective.com/about-us/ratings. A rating is not a recommendation to purchase, sell, or hold insurance contracts.
³ SecurePay Protector benefit is available for an additional 1.50% fee at issue (1.60% with RightTime) as a percentage of the benefit base.
5 The 7% compounding roll-up rate will continue to be available annually until 10 benefit base increases have occurred or until benefit withdrawals have begun, if earlier.
Protective Aspirations variable annuity is a flexible premium deferred variable and fixed annuity contract issued by PLICO in all states except New York under policy form series VDA-P-2006. SecurePay Protector benefits provided under rider VDA-P-6061 and state variations thereof. SecurePay Investor benefits provided under rider VDA-P-6063 and state variations thereof. Policy form numbers, product availability and product features may vary by state.
Protective Aspirations NY variable annuity issued under is a flexible premium deferred variable annuity contract issued by PLAIC in New York under policy form series NY-VDA-A-2024. SecurePay Investor benefits issued under rider form number NY-VDA-A-6075. SecurePay Protector benefits issued under rider form number NY-VDA-A-6073.
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.
Withdrawals may be subject to income tax and, if taken prior to age 59½, an additional 10% IRS tax penalty may apply. More frequent withdrawals may reduce earnings more than annual withdrawals. During the withdrawal charge period, withdrawals in excess of the penalty-free amount may be subject to a withdrawal charge. Withdrawals reduce the annuity's remaining death benefit, contract value, cash surrender value and future earnings.
Investors should carefully consider the investment objectives, risks, charges and expenses of a variable annuity, any optional protected lifetime income benefit, and the underlying investment options before investing. This and other information is contained in the prospectuses for a variable annuity and its underlying investment options. Investors should read the prospectuses carefully before investing. Prospectuses may be obtained by contacting PLICO at 800-456-6330.
WEB.5597612.06.25
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