Protective Income Creator Fixed Annuity |Guaranteed retirement income

Guaranteed retirement income with Protective%%®%% Income Creator

This fixed annuity is designed to be stable and create an income stream your clients can’t outlive.

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Why recommend Protective Income Creator fixed annuity

Income focused

This solution optimizes a guaranteed income strategy so clients don't run out of money.

Protected

With income protection also comes protected principal and access to money.

Simple and low cost

An easy, client-friendly design with one low annual fee.

Illustration of a person pointing out the current and fixed rates for the Protective Income Creator fixed annuity.

Check our rates

Be sure to confirm our current and future fixed annuity rates, which we set every two weeks. Rates may change without notice and, depending on market conditions, may be set more frequently.

Current rates

Future rates

Learn how your clients can guarantee lifetime retirement income

Is it really possible for your clients to ensure their income will last so they can have the retirement they’ve envisioned? Yes. It’s all explained in this quick video about Protective Income Creator fixed annuity.

How the lifetime income payment is calculated

Protective Income Creator fixed annuity offers competitive withdrawal percentages at key ages and deferral periods. Withdrawal percentages are calculated using a simple formula.

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A graphic depicting how the lifetime income payment provided by the Protective Income Creator fixed annuity is calculated.

Consider this for a client who:

Is focused on asset protection
Has a conservative risk profile
Prefers the safety of cash savings vehicles, money market funds and bank CDs

the ideal client for the Protective Income Creator fixed annuity.

Key product specs

Guaranteed retirement income for life
Minimum initial purchase payment of $25,000
Purchase age is 50 to 80 years old
7-year initial guarantee period
Maximum annuitization age is 95

Full details

a person reviewing the key product specifications for the Protective Income Creator fixed annuity.

Built-in waivers to protect against unexpected life events

Penalty-free withdrawals of 10% of the contract value
Nursing facility confinement/terminal illness condition waiver which allows the withdrawal of all or a portion of the contract value¹
Unemployment waiver which permits the withdrawal of all or a portion of the contract value with no withdrawal charge²

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Helpful resources about Protective Income Creator fixed annuity

Like what you’ve learned so far about Protective Income Creator fixed annuity? Want to go over a few of the features and benefits in greater detail? These product materials are just what you’re looking for.