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Protective%%®%% Smart Saver NY fixed annuity

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.

Why Protective Smart Saver NY fixed annuity?

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%%1%%
In the event of a terminal illness, unemployment or a nursing home stay for the owner or spouse.2

Product snapshot

Get a quick profile of Protective Smart Saver NY 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
Download full specs
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Built in waivers to protect against unexpected life events

  • Annual penalty-free withdrawals of 10% of the contract value.1
  • Nursing facility confinement/terminal illness condition waiver allows the withdrawal of all or a portion of the contract value.2
  • Unemployment waiver permits the withdrawal of all or a portion of the contract value with no withdrawal charge.2
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Protective Smart Saver NY rates
Check 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.
Check current rates
Check future rates
Introduce your clients to Protective Smart Saver NY
Protective Smart Saver NY builds retirement income through a stream of income payments guaranteed to last as long as you live. Use our brochure with clients to help explore if our fixed annuity is right for them.
Download client brochure
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We're here for you
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

Before entering the site, please confirm that you are currently an authorized financial professional.

1 Withdrawals reduce the annuity's remaining death benefit, contract value, cash surrender value and future earnings. 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.

2 Waives withdrawal charges and MVA for contract owners and/or spouses who qualify. Not available in all states. State variations may apply. Terms and conditions apply. See policy for details.

Product guarantees are backed by the financial strength and claims-paying ability of the issuing company.

All payments and guarantees are subject to the claims-paying ability of Protective Life Insurance Company (PLICO). Neither Protective Life nor its representatives offer legal or tax advice. Purchasers should consult with their legal or tax advisor regarding their individual situations before making any tax-related decisions.

Annuities are long-term insurance contracts intended for retirement planning.

The Protective Smart Saver NY fixed annuity is a fixed, limited flexible premium, deferred annuity contract issued 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 Protective Life and Annuity Insurance Company

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