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Enhanced death benefit options for legacy needs

Adding an enhanced death benefit option to a Protective® Aspirations variable annuity can give your clients flexibility and control to support efficient wealth transfer and help protect their legacy.

4 options for ensuring a legacy

Your clients can choose between four death benefit options to help them reach their unique legacy goals.
Contract Value standard death benefit
Offers benefit equal to the contract value, and available at no additional cost.
Return of Purchase Payments enhanced death benefit
Returns the investment or contract value, whichever is greater at time of death, less withdrawals.
Maximum Anniversary Value enhanced death benefit
Market gains can be locked in each contract anniversary to increase the value of the death benefit, less any withdrawals.
Maximum Quarterly Value enhanced death benefit
Market gains are captured in the contract value and added to the death benefit on a quarterly basis, less any withdrawals.

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Maximize income, growth and flexibility with Protective%%®%% Aspirations variable annuity
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Tailor an income strategy with Protective%%®%% Aspirations variable annuity
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Deliver lifetime income and growth potential with the SecurePay%%SM%% Protector income benefit
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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.
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. 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 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.

Investors should carefully consider the investment objectives, risks, charges and expenses of a variable annuity, any optional protected 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.