Help clients accomplish more with a single retirement solution. When added to a variable annuity, at an additional cost, optional benefits can help you meet more of their unique protection, growth and income goals.
2 types of benefits to address specific retirement goals
See how our lifetime income benefits and enhanced death benefit options can help you build more holistic retirement strategies by meeting specific client needs.
Explore optional benefits available with our variable annuities
With a choice of benefits and riders, our portfolio of variable annuities helps ensure you have the solutions you need to protect clients’ visions of retirement.
Variable annuities
Protective® Aspirations variable annuity1
Protective® Investors Benefit Advisory variable annuity2
Lifetime income benefits
SecurePay ProtectorSM benefit provides guaranteed lifetime income and benefit base growth, regardless of market performance.3,4
SecurePay InvestorSM benefit offers 100% subaccount flexibility4 plus guaranteed lifetime income if needed.
SecurePay ProSM benefit can help grow clients’ income base with an annual step up feature that locks in gains even after income election.
Enhanced death benefits
5 death benefit options to match unique legacy and growth goals:
- Contract Value (no cost)
- Return of Purchase Payments
- Maximum Anniversary Value
- Maximum Quarterly Value5
- Maximum Daily Value5
5 death benefit options for efficient wealth transfer:
- Contract Value (no cost)
- Return of Purchase Payments
- Maximum Anniversary Value
- Maximum Quarterly Value5
- Maximum Daily Value5
Other related topics
Key decisions in retirement planning
Why guaranteed income can help support your clients' retirement confidence
Legacy planning to protect what clients pass on
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.
1 In New York, the product offered is Protective® Aspirations NY variable annuity.
2 In New York, the product offered is Protective® Investors Benefit Advisory Variable Annuity NY.
3 If your contract value is reduced to zero due to benefit withdrawals, your contract will be annuitized and you will begin receiving monthly income payments in an amount𠊎qual to your last annual withdrawal amount divided by 12. If your contract value falls to zero due to excess withdrawals the rider will terminate and payments will end.
4 Allocation of Purchase Payments or Contract Value to the Fixed Account is not permitted under the SecurePay Protector or SecurePay Investor benefit.
5 Not available in New York.
Protective Aspirations variable annuity is a flexible premium deferred variable and fixed annuity contract issued by PLICO in all states except New York under policy form series VDA-P-2006. SecurePay Investor benefits issued under rider form number VDA-P-6063. SecurePay Protector benefits issued under rider form number VDA-P-6061. SecurePay Nursing Home benefits issued under form number IPV-2159. Policy form numbers, product availability and product features may vary by state.
Protective Aspirations NY variable annuity is a flexible premium deferred variable annuity contract issued by PLAIC in New York under policy form series NY-VDA-A-2024. SecurePay Investor benefits issued under rider form number NY-VDA-A-6075. SecurePay Protector benefits is provided by rider form number NY-VDA-A-6073.
Protective Investors Benefit Advisory variable annuity is a flexible premium deferred variable and fixed annuity contract issued by PLICO in all states except New York under policy form VDA-P-2006. SecurePay Pro benefits are provided by rider form number VDA-P-6057.Policy form numbers, product availability and product features may vary by state.
Protective Investors Benefit Advisory Variable Annuity NY is a flexible premium deferred variable contract issued by PLAIC in New York under policy form series VDA-A-2006-500. SecurePay Pro benefits provided under rider form number VDA-A-6057.
Variable annuities are long-term investments intended for retirement planning and involve market risk and the possible loss of principal. Investments in variable annuities are subject to fees and changes from the insurance company and the investment managers.
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. During the withdrawal charge period, withdrawals in excess of the penalty-free amount may be subject to a withdrawal charge.
Protective does not offer or provide investment, fiduciary, financial, legal or tax advice or act in a fiduciary capacity for any client. Clients should consult with their investment advisor, attorney or tax advisor as needed.
Investors should carefully consider the investment objectives, risks, charges and expenses of a variable annuity, any optional protected lifetime income benefit, advisory fees, and the underlying investment options before investing. This and other information is contained in the prospectus for a variable annuity and its underlying investment options. Investors should read the prospectus carefully before investing. Prospectuses may be obtained by contacting PLICO or PLAIC at 800-456-6330.
WEB.3026719.12.24
2 In New York, the product offered is Protective® Investors Benefit Advisory Variable Annuity NY.
3 If your contract value is reduced to zero due to benefit withdrawals, your contract will be annuitized and you will begin receiving monthly income payments in an amount𠊎qual to your last annual withdrawal amount divided by 12. If your contract value falls to zero due to excess withdrawals the rider will terminate and payments will end.
4 Allocation of Purchase Payments or Contract Value to the Fixed Account is not permitted under the SecurePay Protector or SecurePay Investor benefit.
5 Not available in New York.
Protective Aspirations variable annuity is a flexible premium deferred variable and fixed annuity contract issued by PLICO in all states except New York under policy form series VDA-P-2006. SecurePay Investor benefits issued under rider form number VDA-P-6063. SecurePay Protector benefits issued under rider form number VDA-P-6061. SecurePay Nursing Home benefits issued under form number IPV-2159. Policy form numbers, product availability and product features may vary by state.
Protective Aspirations NY variable annuity is a flexible premium deferred variable annuity contract issued by PLAIC in New York under policy form series NY-VDA-A-2024. SecurePay Investor benefits issued under rider form number NY-VDA-A-6075. SecurePay Protector benefits is provided by rider form number NY-VDA-A-6073.
Protective Investors Benefit Advisory variable annuity is a flexible premium deferred variable and fixed annuity contract issued by PLICO in all states except New York under policy form VDA-P-2006. SecurePay Pro benefits are provided by rider form number VDA-P-6057.Policy form numbers, product availability and product features may vary by state.
Protective Investors Benefit Advisory Variable Annuity NY is a flexible premium deferred variable contract issued by PLAIC in New York under policy form series VDA-A-2006-500. SecurePay Pro benefits provided under rider form number VDA-A-6057.
Variable annuities are long-term investments intended for retirement planning and involve market risk and the possible loss of principal. Investments in variable annuities are subject to fees and changes from the insurance company and the investment managers.
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. During the withdrawal charge period, withdrawals in excess of the penalty-free amount may be subject to a withdrawal charge.
Protective does not offer or provide investment, fiduciary, financial, legal or tax advice or act in a fiduciary capacity for any client. Clients should consult with their investment advisor, attorney or tax advisor as needed.
Investors should carefully consider the investment objectives, risks, charges and expenses of a variable annuity, any optional protected lifetime income benefit, advisory fees, and the underlying investment options before investing. This and other information is contained in the prospectus for a variable annuity and its underlying investment options. Investors should read the prospectus carefully before investing. Prospectuses may be obtained by contacting PLICO or PLAIC at 800-456-6330.
WEB.3026719.12.24