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SecurePay Investor%%SM%% optional lifetime income benefit

Adding the SecurePay Investor protected lifetime income benefit to your client's variable annuity gives them investment flexibility and cost-effective growth potential.

Why add the SecurePay Investor benefit to Protective%%®%% Aspirations variable annuity?

The SecurePay Investor benefit maximizes growth potential and gives clients the flexibility to invest as they choose. It offers 100% sub-account flexibility¹ and the opportunity to lock in market gains, all with an available guaranteed lifetime income stream.
100% subaccount flexibility¹
Offer a choice of multiple, high-quality fund options with no restrictions on how funds are allocated among subaccounts.
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Lock in market gains
Help clients capture benefit base growth by locking in market gains annually until age 95.
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Maximize tax-deferred growth
Support compound growth to clients' contributions and market gains — without tax drag — until they withdraw funds.
See how the SecurePay Investor benefit works
Adding this benefit to your client's variable annuity contract gives them access to more options and features that support their unique goals and motivations. Watch this video to learn more.
Screen capture from the video about options and features of the SecurePay Investor benefit.

Discover the built-in features available with the SecurePay Investor benefit

Offer clients even more flexibility and security in retirement with these included no-cost features.
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SecurePay Reserve%%SM%% feature
Help make retirement aspirations more accessible by:
  • Offering flexibility to adjust income based on needs
  • Giving access to tax-advantaged investing while deferring income
  • Protecting income needed for essential expenses, should other investments not perform as expected
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SecurePay NH%%2%% benefit
Help clients prepare for the unexpected by:
  • Preparing now for potential care as part of long-term planning
  • Offering a solution to help cover nursing home expenses
  • Increasing annual withdrawal amounts for up to 5 years
Financial advisor going over details of Protective Aspirations variable annuity solutions with clients.
Show clients how the SecurePay Investor benefit lives up to its name
This overview flyer can help you explain how the SecurePay Investor benefit can maximize cost-effective growth with over 100 available fund options and the ability to adjust income when they need to.

Helpful resources

Want to learn more about Protective Aspirations variable annuity and the SecurePay Investor benefit, or have clients in mind whose retirement strategies could benefit from this solution? Download these helpful resources.
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Introduce clients to SecurePay Investor optional lifetime income benefit
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Get an overview of the SecurePay Reserve feature
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Show key facts and figures behind SecurePay Investor's strength
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Show clients this solution’s potential performance

Other related topics

Financial advisor going over details of Protective Aspirations variable annuity solutions with clients
Maximize income, growth and flexibility with Protective%%®%% Aspirations variable annuity
Couple enjoying guaranteed lifetime income on a tennis court
Deliver lifetime income and growth potential with the SecurePay%%SM%% Protector income benefit
Couple researching guaranteed retirement income options on computer.
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 Access to complete variable fund line-up, allocation of Purchase Payments or Contract Value to the Fixed Account is not permitted under the SecurePay Investor benefit.

² SecurePay NH nursing home enhancement may not be available in all states and may not be available with new contracts in the future. To qualify for SecurePay NH, the client must: Be confined to a qualified nursing care facility; be unable to perform two out of six specified Activities of Daily Living or be diagnosed with a severe cognitive impairment; have not been in a nursing home one year before and after purchasing an optional protected lifetime income benefit. Proof of continued qualification is required for each contract year in which this benefit is claimed.

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 provided by form number IPV-2159. Policy form numbers, product availability and product features may vary by state.

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 charges 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.

Investors should carefully consider the investment objectives, risks, charges and expenses of a variable annuity, any optional protected lifetime income benefit, and the underlying investment options before investing. This and other information is contained in the prospectuses for a variable annuity and its underlying investment options. Investors should read the prospectuses carefully before investing. Prospectuses may be obtained by contacting PLICO at 800-456-6330.

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