Protective Life Insurance Company

Lifetime Income Benefit0.95% annual fee

Guaranteed Income for Life with Safe Growth

Guaranteed Interest Rate7 years guaranteed

Penalty-Free Withdrawals10% annually

Withdrawal Charges7% to 1%

Best for: Retirees and pre-retirees aged 50-80 seeking guaranteed lifetime income, princip...

Protective Asset Builder II

Point-to-Point with Participation RateAvailable on all three indices

Market-linked growth with downside protection

Point-to-Point with Cap1-year or guaranteed-for-term options

Point-to-Point with TriggerS&P 500 Index only

Penalty-Free Withdrawals10% annually, minus prior withdrawals

Best for: People seeking market-linked growth with downside protection who want guaranteed...

Protective Guaranteed Income

Guaranteed Income BenefitWithdrawals range from 3.5%-7.85% depending on age and option chosen

Guaranteed Income for Life, Regardless of Markets

Benefit Base Growth4% annual roll-up + 15% bonus at year 5 + 20% bonus at year 10

Multiple Income OptionsTwo distinct withdrawal strategies to match spending patterns

Indexed Crediting StrategiesMultiple crediting methods: fixed interest, annual point-to-point, 2-year participation & spread, annual rate cap

Best for: Investors age 50-79 seeking guaranteed retirement income who want downside prote...

Protective Income Builder

Multiple Interest Crediting Strategies5 distinct strategies available

Indexed annuity with flexible growth strategies & income guarantees

Two Index OptionsDiversification across equity and diversified index approaches

Principal ProtectionDownside protection guaranteed

Annual ReallocationFlexibility to change strategy yearly

Best for: Retirement investors age 50+ who want market-linked growth with downside protect...

Protective Indexed Annuity NY

Index-Linked Crediting StrategiesGuaranteed minimum interest rate regardless of strategy selected

Index-linked growth with downside protection

Fixed Interest CreditingPredictable, stable returns

Penalty-Free Withdrawal Access10% annual penalty-free access

Hardship WaiversWaived surrender charges in qualifying situations

Best for: Individuals age 85 or younger who are near or in retirement and want to particip...

Protective&reg Series Foundation Annuity

Guaranteed Interest Rate5 years

Guaranteed growth with tax deferral and penalty-free access

Tax-Deferred Growth

Free Withdrawal Amount10% annually, up to 20% cumulative

Return of Premium Guarantee (Optional)No additional cost

Best for: Conservative retirees and near-retirees seeking guaranteed income growth, tax de...

SecureSaver

Guaranteed Interest Rate5 or 7 year guarantee periods available

Fixed annuity with guaranteed rates and flexible income options

Penalty-Free Withdrawal10% of prior anniversary contract value annually

Healthcare WaiverAvailable after first contract anniversary

Unemployment WaiverRequires 60+ consecutive days unemployment

Best for: People age 85 or younger who want to protect their principal, earn guaranteed re...

Smart Saver NY

Guaranteed Principal100% of purchase payments

Fixed annuity with guaranteed principal & flexible withdrawals

Flexible Guarantee Periods4, 5, 6, or 7-year options

Penalty-Free Withdrawals10% of contract value per year

Medical Hardship WaiversWaives all withdrawal charges if qualified

Best for: Conservative New York residents aged 0-85 seeking tax-deferred retirement saving...