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Protective%%®%% Income Builder indexed annuity

Build retirement confidence with this indexed annuity's predictable, retirement income for life and guaranteed benefit base growth potential. See how much guaranteed income clients can have with our interactive calculator.

Why Protective Income Builder indexed annuity?

This fixed indexed annuity offers income protection and the ability to adjust if client needs change.
High guaranteed income opportunities
Thanks to an 10% benefit base roll-up and competitive withdrawal rates.¹
Ability to customize income strategies
With a choice of either 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.
How Protective Income Builder indexed annuity works
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.
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.

Helpful resources on Protective Income Builder indexed annuity

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 indexed annuity in-depth product profile guide
Cover of the Index Strategy Options guide for Protective Income Builder indexed annuity.
Review available interest crediting strategies
Lock in guaranteed rate caps to secure peace of mind flyer.
Overview of the guaranteed rate cap for term interest crediting strategy
Complementing your retirement portfolio with a guaranteed income solution flyer.
Demonstration of guaranteed income as part of a retirement strategy
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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Why guaranteed income supports your clients’ retirement confidence
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.

¹ Your Benefit base (the amount on which your benefit withdrawals are determined) is guaranteed to increase by 10% 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 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.