Whether your clients' plans include protected lifetime income to cover the essentials or an additional income source during retirement, adding lifetime income benefits to a variable annuity can help them achieve their unique goals.
Why should clients add lifetime income benefits to a variable annuity?
Which lifetime benefit options are right for your clients?
Different clients have different retirement visions. That’s why Protective offers a range of optional lifetime benefits to help them meet their specific needs.
Variable annuities
Protective® Aspirations variable annuity
Protective® Aspirations NY variable annuity
Protective® Aspirations NY variable annuity
Protective® Investors Benefit Advisory variable annuity
Protective® Investors Benefit Advisory Variable Annuity NY
Protective® Investors Benefit Advisory Variable Annuity NY
Lifetime income benefits
SecurePay ProtectorSM provides guaranteed lifetime income and benefit base growth, regardless of market performance.
SecurePay InvestorSM offers 100% subaccount flexibility* plus guaranteed lifetime income if needed.
SecurePay ProSM can help grow clients' income base with an annual step- up feature that locks in gains even after income election.
Other related topics
Help meet growth, income and legacy goals with variable annuities
Help protect specific legacy goals with enhanced death benefit options
Why guaranteed income can help support your clients' retirement confidence
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.
*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.
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 is a flexible premium deferred variable and fixed annuity contract issued by PLICO in all states except New York under policy form VDAP-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 and fixed annuity 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.
Protective does not offer or provide investment, fiduciary, financial, legal or tax advice or act in a fiduciary capacity for any client. Please consult with your investment advisor, attorney or tax advisor as needed.
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 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.5027425.12.24
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 is a flexible premium deferred variable and fixed annuity contract issued by PLICO in all states except New York under policy form VDAP-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 and fixed annuity 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.
Protective does not offer or provide investment, fiduciary, financial, legal or tax advice or act in a fiduciary capacity for any client. Please consult with your investment advisor, attorney or tax advisor as needed.
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 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.5027425.12.24