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Create a legacy with Protective%%®%% Investors Benefit Advisory variable annuity

This fee-based variable annuity solution offers two death benefit options to help clients transfer wealth more efficiently to their loved ones.

A choice of options for a more tailored strategy

With a standard and an enhanced death benefit option, Protective Investors Benefit Advisory variable annuity helps you better align to clients' specific legacy planning goals.
Contract Value standard death benefit
Beneficiaries receive the annuity’s contract value. This benefit is available at no additional cost.
Return of Purchase Payments enhanced death benefit
Returns the total investment amount or contract value, whichever is greater at time of death, less withdrawals.¹
How the Return of Purchase Payments death benefit works
With our Return of Purchase Payments death benefit, should your client pass away before starting annuity income payments, their beneficiaries will receive the greater of the contract value or total investment in the variable annuity, less an adjustment for each prior withdrawal.²
Graph shows standard process for death benefit payout.

Other related topics

Client reviews a note to call her financial advisor to discuss a Protective Investors Benefit Advisory Variable Annuity, a fee-based solution for tax-deferred investing.
Protective%%®%% Investors Benefit Variable Advisory Annuity for a fee-based solution for tax-deferred investing
Advisor reviewing Protective SecurePay Pro optional lifetime income benefit with client.
SecurePay Pro%%SM%% benefit for optional protected lifetime income
A financial professional meeting with a woman about her retirement goals.
Investing with the SecurePay Pro%%SM%% 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.
¹The Return of Purchase Payments death benefit is available at an additional cost equal to 0.20% (on an annualized basis) of the death benefit at the beginning of each contract month.

²This chart is hypothetical and is intended solely to demonstrate how the Return of Purchase Payments Death Benefit works and assumes one single investment and no withdrawals. It is not indicative of the performance of any variable annuity investment option, does not reflect any actual account values, prior withdrawals nor any fees associated with Protective's variable annuities.

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.

Protective Investors Benefit Advisory is a flexible premium deferred variable and fixed annuity contracts issued by PLICO in all states except New York under policy form VDA-P-2006 and in New York by PLAIC on policy form VDA-A-2006-500. SecurePay Pro benefits provided by rider form number VDA-P-6057 (PLICO) and VDA-A-6057 (PLAIC). SecurePay NH issued under endorsement form series IPV-2159 (PLICO). Policy form numbers, product availability and product features may vary by state.

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 calling PLICO or PLAIC at 800-456-6330.