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SecurePay Pro%%SM%% protected lifetime income benefit

To help clients solve retirement income needs over time, Protective® Investors Benefit Advisory variable annuity1 offers the SecurePay Pro income benefit. This optional benefit offers potential benefit base growth and guaranteed lifetime income.

Why add SecurePay Pro benefit to Protective Investors Benefit Advisory variable annuity?

The SecurePay Pro income benefit combines potential market-driven growth with guarantees to ensure protected lifetime income that retirees won’t outlive.
No Alt
Growth potential
Step-up feature locks in investment growth annually on each contract anniversary.
No Alt
Flexible timing feature
With RightTime2, clients can add this income benefit any time between ages 60 and 85.
No alt
Long-term increases
Lock in market gains even after income election to optimize retirement income.
Nursing home enhancement%%3%%
Clients can increase their withdrawals up to 10% due to a qualifying nursing home stay.

Helpful resources

Want more information about this guaranteed income solution and nursing home benefit? Download our SecurePay Pro income benefit and SecurePay NH materials.
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Introduce clients to the SecurePay Pro income benefit
a cover for a brochure that explains the SecurePay Pro lifetime income benefit.
Give clients an overview of the SecurePay NH benefit
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Demonstrate how the SecurePay NH benefit works
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Introduce NY clients to Investors Benefit Advisory NY variable annuity

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1 In New York, the product offered is the Protective® Investors Benefit Advisory NY variable annuity.

2 RightTime is available for an additional 0.10%.

3 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. SecurePay NH may not be available in all states and may not be available with new contracts in the future.

4 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 equal to your last Annual Withdrawal Amount, divided by 12.

Protective refers to Protective Life Insurance Company (PLICO), Nashville, TN, and its affiliates, including Protective Life and Annuity Insurance Company (PLAIC), Birmingham, AL. Variable annuities are distributed by Investment Distributors, Inc. (IDI), Birmingham, AL, a broker‐dealer and the principal underwriter for registered products issued by PLICO and PLAIC, it’s affiliates. Product guarantees are backed by the financial strength and claims-paying ability of the issuing company.

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 series VDA-P-2006. SecurePay Pro benefits provided under rider form VDA-P-6057. SecurePay NH issued under endorsement form series IPV-2159. Policy form numbers, product availability and product features may vary by state.

Protective Investors Benefit Advisory NY variable annuity 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.

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.

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 prospectuses carefully before investing. Prospectuses may be obtained by contacting Protective at 800-456-6330.