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Maximize guaranteed income for life with Protective%%®%% Income Builder

Build retirement confidence with this indexed annuity's predictable, retirement income for life and guaranteed benefit base growth potential. Learn how with our interactive calculator.
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Why Protective Income Builder?

This fixed indexed annuity offers income protection and the ability to adjust if client needs change.
High guaranteed income opportunities
Thanks to an 8% benefit base roll-up and competitive withdrawal rates.¹
Ability to customize income strategies
With a choice of either a level or rising lifetime income payment options.
Flexible features for clients’ changing needs
Like the ability to elect income timing and payout options after contract issue.
Illustration of a person pointing out Protective's current and future fixed annuity rates.
Check current rates
Be sure to confirm our current and future rates for the fixed and indexed interest crediting strategies, which we set every two weeks. Rates may change without notice and, depending on market conditions, may be set more frequently.
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Future rates
Keep retirement income plans on track
Watch this short video to learn how Protective Income Builder Indexed Annuity with the Guaranteed Income Benefit can help keep clients’ retirement income plans on track.
An illustrated map depicting savings, Social Security and pension as important points along the track to retirement.
Smiling woman learns how guaranteed income can help prepare her for the unexpected.
People are retiring earlier than planned 53% of the time.²
See how having a source of predictable, guaranteed retirement income for life with Protective Income Builder can help prepare them for the unexpected.
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Product snapshot

A quick profile of the Protective Income Builder and how it can fit into a client's retirement plan.

Consider this product for a client who:

  • Wants a predictable source of income for retirement
  • Is concerned about outliving their income
  • Is focused on protecting their retirement assets, in addition to their income
  • Prefers products that are low risk
  • Is concerned about the risks and costs associated with variable annuities
a woman who represents a potential client for the Protective Income Builder Indexed Annuity.

Key product specs

  • Issue ages are 50 – 85
  • Minimum initial purchase payment of $25,000 — additional premiums allowed in the first contract year
  • Low-risk asset growth with interest crediting strategies based on the performance of the S&P 500® Index or Citi Flexible Allocation 6 Excess Return Index, as well as a fixed interest option
  • Includes a guaranteed lifetime income benefit, with an 8% roll-up1
Full details
illustration of a person reviewing the key product specifications of the Protective Income Builder Indexed 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 value3
  • Unemployment waiver which permits the withdrawal of all or a portion of the contract value with no withdrawal charge3
grandmother looking confident that her granddaughter is protected by the Protective Asset Builder Two Indexed Annuity's built-in waivers.

Helpful resources on Protective Income Builder

Need a deeper look into product features or resources to help you introduce guaranteed income to your clients? We’ve gathered some helpful resources for you.
Cover of the Protective Income Builder indexed annuity Product guide.
Protective Income Builder in-depth product profile guide
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Cover of the Index Strategy Options guide for Protective Income Builder indexed annuity.
Review available interest crediting strategies
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Lock in guaranteed rate caps to secure peace of mind flyer.
Overview of the guaranteed rate cap for term interest crediting strategy
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Complementing your retirement portfolio with a guaranteed income solution flyer.
Understanding income gaps and how an indexed annuity can fill them
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Cover of Citi Flexible Allocation 6 Excess Return index overview brochure.
Overview of the Citi Flexible Allocation 6 Excess Return Index
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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

Before entering the site, please confirm that you are currently licensed to sell life insurance and/or annuities.

1

¹ 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.


² LIMRA Secure Retirement Institute, The Inner Workings of Retirement Timing, 2018.


³ Waives withdrawal charges and MVA for contract owners and/or spouses who qualify. May not be available in all states. State variations may apply. Terms and conditions apply.

 

Withdrawals reduce the annuity’s remaining death benefit, contract values, cash surrender 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.

 

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