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Asset protection and access with Protective%%®%% Smart Saver

When clients seek greater access to money and principal safety, this fixed annuity helps them preserve, grow and tap into their investment to protect their retirement goals.
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Why Protective Smart Saver?

This fixed, limited flexible-premium deferred annuity gives clients options and greater access to the money they need in retirement.
Guaranteed 4- to 7-year rates
Choice of interest rate guarantee periods allows clients to safely grow and preserve assets based on their goals.
Money back guarantee
All investments will be returned if fully surrendered before annuitization, less any withdrawals or investment taxes.
Penalty-free access to money*
In the event of a terminal illness, unemployment or a nursing home stay for the owner or spouse.**
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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

Product snapshot

Get a quick profile of Protective Smart Saver and how it can protect your clients’ retirement goals.

Consider this product for a client who:

  • Seeks greater access to money
  • Has a conservative risk profile
  • Prefers the safety of cash savings vehicles, money market funds and bank CDs
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Key product specs

  • Limited flexible premium deferred fixed annuity
  • Issue ages 0-85
  • Minimum initial investment of $25,000, up to a maximum of $1 million
  • 4- to 7-year interest rate guarantee periods
An illustration of a person reviewing the key product specifications for the Protective Smart Saver fixed annuity.

Built in waivers to protect against unexpected life events

  • Annual penalty-free withdrawals of 10% of the contract value.*
  • Nursing facility confinement/terminal illness condition waiver allows the withdrawal of all or a portion of the contract value.**
  • Unemployment waiver permits the withdrawal of all or a portion of the contract value with no withdrawal charge.**
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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.
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Welcome to Protective

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*Withdrawals may be subject to income tax and if taken prior to age 59½, an additional 10% tax penalty may apply.

**Assumes all qualifications are met, may not be available in all states, and state variations may apply.

Protective Smart Saver Fixed Annuity is a Limited Flexible Premium Deferred Fixed Annuity issued by Protective Life Insurance Company under form series LDA-P-2014 and in New York by Protective Life and Annuity Insurance Company under contract form number NY-LDA-A-2014. Product features and availability may vary by state. Product guarantees are backed by the financial strength and claims-paying ability of the issuing company.

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