Rates, state availability, rider terms, and contract language must be confirmed with a licensed financial advisor or insurance professional before purchase. Guarantees are backed by the issuing insurer.
Model this product
See what Protective Indexed Annuity NY would do for you
Set your numbers and switch between growth strategies and liquidity scenarios. Negative index performance does not produce a negative index credit. Fees, withdrawals and surrender charges can reduce contract value.
Product analyzer
Illustrative — live CANNEX rates as of October 2, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$238,345
Est. value at age 80 (Protective Indexed Annuity NY)
5.65%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 5.55% Cap (Unknown · Annual)
✦
How crediting works: the cap limits positive index returns; a down year credits 0%, never a loss. A cap strategy tracks the index within its terms. What is a cap vs participation? →
Assumptions: illustrative — applies Protective Indexed Annuity NY's published cap rate (5.55% on S&P 500 Index) to a standard benchmark hypothetical index path (~5.4%/yr average, including down years) with a 0% floor over 20 years. Not a projection, quote, or guarantee. Live CANNEX rates as of October 2, 2026.
Free Comparison Report
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See how Protective Indexed Annuity NY compares for your age, state, premium, and income goals alongside other Protective Life Insurance Company fixed indexed annuity options.
rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Protective Life Insurance Company product.
Live product data
Rates as of October 2, 2026, from AdvisorWorld and CANNEX.
S&P 500 cap rate (annual point-to-point)
5.65% cap on S&P 500
The New-York-only fixed indexed annuity from a multi-agency-rated A+-grade carrier, accumulation-focused on a 7-year surrender chassis, with an S&P 500 annual point-to-point cap, an S&P 500 performance-trigger declared rate, and a daily fixed account — no optional GLWB rider and no Protected Income Value chassis.
1-year term10-year surrender$100,000+AdvisorWorld + CANNEX data
Best fit
New York residents who want a Protective Life fixed indexed annuity under New York's separate state-regulatory regime, committing to a 7-year surrender chassis, and who want a mix of S&P 500 cap exposure, a performance-trigger declared rate, and a fixed-account bucket in one contract.
AM Best
A+ Superior
Surrender options
5, 7, and 10 years
Free withdrawal
10%/yr
Availability
New York only
Featured crediting strategies
Caps, participation rates, and declared rates are shown separately.
Index / strategyRate mechanicsCreditingSurrenderPremium
S&P 500
S&P 500 Index
5.65% cap rate
Annual point-to-point
Selected state rate set (NY)
1-year term · 10-year surrender · $100,000+
1-year term
10-year surrender
$100,000+
S&P 500
S&P 500 Index
4.65% cap rate
Annual point-to-point
Selected state rate set (NY)
1-year term · 10-year surrender · $100,000+
1-year term
10-year surrender
$100,000+
S&P 500
S&P 500 Index
5.5% cap rate
Annual point-to-point
Selected state rate set (NY)
1-year term · 5-year surrender · $100,000+
1-year term
5-year surrender
$100,000+
S&P 500
S&P 500 Index
4.2% cap rate
Annual point-to-point
Selected state rate set (NY)
1-year term · 5-year surrender · $100,000+
1-year term
5-year surrender
$100,000+
S&P 500
S&P 500 Index
5.55% cap rate
Annual point-to-point
Selected state rate set (NY)
1-year term · 7-year surrender · $100,000+
1-year term
7-year surrender
$100,000+
S&P 500
S&P 500 Index
4.55% cap rate
Annual point-to-point
Selected state rate set (NY)
1-year term · 7-year surrender · $100,000+
1-year term
7-year surrender
$100,000+
S&P 500
S&P 500 Index
4.7% trigger rate
Performance trigger
Selected state rate set (NY)
1-year term · 10-year surrender · $100,000+
1-year term
10-year surrender
$100,000+
S&P 500
S&P 500 Index
3.85% trigger rate
Performance trigger
Selected state rate set (NY)
1-year term · 10-year surrender · $100,000+
1-year term
10-year surrender
$100,000+
S&P 500
S&P 500 Index
4.5% trigger rate
Performance trigger
Selected state rate set (NY)
1-year term · 5-year surrender · $100,000+
1-year term
5-year surrender
$100,000+
S&P 500
S&P 500 Index
3.5% trigger rate
Performance trigger
Selected state rate set (NY)
1-year term · 5-year surrender · $100,000+
1-year term
5-year surrender
$100,000+
S&P 500
S&P 500 Index
4.6% trigger rate
Performance trigger
Selected state rate set (NY)
1-year term · 7-year surrender · $100,000+
1-year term
7-year surrender
$100,000+
S&P 500
S&P 500 Index
3.75% trigger rate
Performance trigger
Selected state rate set (NY)
1-year term · 7-year surrender · $100,000+
1-year term
7-year surrender
$100,000+
S&P 500
S&P 500 Index
Rate not shown
Rate effective Sep 29, 2026
Annual point-to-point
Selected state rate set (NY)
1-year term · 10-year surrender · $100,000+
1-year term
10-year surrender
$100,000+
S&P 500
S&P 500 Index
Rate not shown
Rate effective Sep 29, 2026
Performance trigger
Selected state rate set (NY)
1-year term · 10-year surrender · $100,000+
1-year term
10-year surrender
$100,000+
S&P 500
S&P 500 Index
Rate not shown
Rate effective Sep 29, 2026
Annual point-to-point
Selected state rate set (NY)
1-year term · 5-year surrender · $100,000+
1-year term
5-year surrender
$100,000+
S&P 500
S&P 500 Index
Rate not shown
Rate effective Sep 29, 2026
Performance trigger
Selected state rate set (NY)
1-year term · 5-year surrender · $100,000+
1-year term
5-year surrender
$100,000+
S&P 500
S&P 500 Index
Rate not shown
Rate effective Sep 29, 2026
Annual point-to-point
Selected state rate set (NY)
1-year term · 7-year surrender · $100,000+
1-year term
7-year surrender
$100,000+
S&P 500
S&P 500 Index
Rate not shown
Rate effective Sep 29, 2026
Performance trigger
Selected state rate set (NY)
1-year term · 7-year surrender · $100,000+
1-year term
7-year surrender
$100,000+
Fixed Account
Fixed Account
3.1% declared rate
Fixed account
Selected state rate set (NY)
1-year term · 10-year surrender · $100,000+
1-year term
10-year surrender
$100,000+
Fixed Account
Fixed Account
3% declared rate
Fixed account
Selected state rate set (NY)
1-year term · 10-year surrender · $100,000+
1-year term
10-year surrender
$100,000+
Fixed Account
Fixed Account
3% declared rate
Fixed account
Selected state rate set (NY)
1-year term · 5-year surrender · $100,000+
1-year term
5-year surrender
$100,000+
Fixed Account
Fixed Account
3.05% declared rate
Fixed account
Selected state rate set (NY)
1-year term · 7-year surrender · $100,000+
1-year term
7-year surrender
$100,000+
Fixed Account
Fixed Account
3% declared rate
Fixed account
Selected state rate set (NY)
1-year term · 7-year surrender · $100,000+
1-year term
7-year surrender
$100,000+
Fixed Account
Fixed Account
Rate not shown
Rate effective Sep 29, 2026
Fixed account
Selected state rate set (NY)
1-year term · 10-year surrender · $100,000+
1-year term
10-year surrender
$100,000+
Fixed Account
Fixed Account
Rate not shown
Rate effective Sep 29, 2026
Fixed account
Selected state rate set (NY)
1-year term · 5-year surrender · $100,000+
1-year term
5-year surrender
$100,000+
Fixed Account
Fixed Account
Rate not shown
Rate effective Sep 29, 2026
Fixed account
Selected state rate set (NY)
1-year term · 7-year surrender · $100,000+
1-year term
7-year surrender
$100,000+
Product analyst notes
How to think about this contract
Why it can stand out
This is the New-York-only filing of Protective Life's fixed indexed annuity chassis — a New York buyer cannot purchase the carrier's national FIA filings, so this is the path through which Protective Life delivers FIA exposure to NY residents under New York's separate state-regulatory regime.
Strategy menu pairs an S&P 500 annual point-to-point cap with an S&P 500 performance-trigger declared rate and a daily-rate fixed account, so a buyer can split allocation between index-linked upside and a declared-rate fixed bucket inside one contract.
Standard surrender waivers (nursing-home confinement, terminal illness, unemployment) sit alongside an annual free-withdrawal allowance, so the schedule of penalty-free liquidity for both planned partial withdrawals and unplanned life events is visible on this page rather than gated behind a sales brochure.
Carrier financial-strength is rated by multiple independent agencies (A.M. Best, Standard & Poor's, Moody's), so the strength view is not a single-source read — a useful corroboration for a single-state filing.
What to confirm
This contract is available only in New York. Buyers outside New York cannot purchase it and must compare the carrier's national FIA filings (Asset Builder II, Guaranteed Income, Income Builder) on their own pages instead.
There is no optional GLWB rider on this NY filing and no Protected Income Value chassis — this is an accumulation contract, not an income contract. Buyers looking at Protective Life for lifetime income out of a single-state NY filing will not find it here.
Single surrender-length chassis on this contract — different from the carrier's non-NY Asset Builder II, which publishes 5/7/10-year chassis side by side. A NY buyer who wants a shorter or longer surrender window than the published chassis allows will not find that flexibility here.
The death benefit on this contract is Cash Surrender Value rather than account value or a guaranteed roll-up — a contract surrendered to a beneficiary during the surrender window receives the surrender value, not the full accumulation value.
Not ideal for
Buyers outside New York (who must look at Protective Life's national FIA filings instead), buyers who need a contractually-guaranteed lifetime-withdrawal rate from an optional rider, buyers who need a Protected Income Value income mechanism, or buyers who need a premium bonus to seed an income base — none of those are present on this NY filing.
Free Comparison Report
Get a Protective Indexed Annuity NY rate report
See how Protective Indexed Annuity NY compares for your age, state, premium, and income goals alongside other Protective Life Insurance Company fixed indexed annuity options.
These listings show published strategy details and any available rates. Use the filters to narrow by index, term, premium band, state rate set, or rate type.
Cap: 5.5% · 1-yr
S&P 500 Index
Point-to-point
Selected state rate set (NY)5-yr surrender$100,000+
Trigger: 4.5% · 1-yr
S&P 500 Index
Performance trigger
Selected state rate set (NY)5-yr surrender$100,000+
Fixed: 3% · 1-yr
Fixed Account
Fixed account
Selected state rate set (NY)5-yr surrender$100,000+
Rate not shown · 1-yr
Fixed Account
Fixed account
Selected state rate set (NY)Rate effective Sep 29, 20265-yr surrender$100,000+
Rate not shown · 1-yr
S&P 500 Index
Point-to-point
Selected state rate set (NY)Rate effective Sep 29, 20265-yr surrender$100,000+
Cap: 4.2% · 1-yr
S&P 500 Index
Point-to-point
Selected state rate set (NY)5-yr surrender$100,000+
Trigger: 3.5% · 1-yr
S&P 500 Index
Performance trigger
Selected state rate set (NY)5-yr surrender$100,000+
Fixed: 3% · 1-yr
Fixed Account
Fixed account
Selected state rate set (NY)5-yr surrender$100,000+
Rate not shown · 1-yr
Fixed Account
Fixed account
Selected state rate set (NY)Rate effective Sep 29, 20265-yr surrender$100,000+
Rate not shown · 1-yr
S&P 500 Index
Point-to-point
Selected state rate set (NY)Rate effective Sep 29, 20265-yr surrender$100,000+
Cap: 5.55% · 1-yr
S&P 500 Index
Point-to-point
Selected state rate set (NY)7-yr surrender$100,000+
Trigger: 4.6% · 1-yr
S&P 500 Index
Performance trigger
Selected state rate set (NY)7-yr surrender$100,000+
Fixed: 3.05% · 1-yr
Fixed Account
Fixed account
Selected state rate set (NY)7-yr surrender$100,000+
Rate not shown · 1-yr
Fixed Account
Fixed account
Selected state rate set (NY)Rate effective Sep 29, 20267-yr surrender$100,000+
Rate not shown · 1-yr
S&P 500 Index
Point-to-point
Selected state rate set (NY)Rate effective Sep 29, 20267-yr surrender$100,000+
Cap: 4.55% · 1-yr
S&P 500 Index
Point-to-point
Selected state rate set (NY)7-yr surrender$100,000+
Trigger: 3.75% · 1-yr
S&P 500 Index
Performance trigger
Selected state rate set (NY)7-yr surrender$100,000+
Fixed: 3% · 1-yr
Fixed Account
Fixed account
Selected state rate set (NY)7-yr surrender$100,000+
Rate not shown · 1-yr
Fixed Account
Fixed account
Selected state rate set (NY)Rate effective Sep 29, 20267-yr surrender$100,000+
Rate not shown · 1-yr
S&P 500 Index
Point-to-point
Selected state rate set (NY)Rate effective Sep 29, 20267-yr surrender$100,000+
Cap: 5.65% · 1-yr
S&P 500 Index
Point-to-point
Selected state rate set (NY)10-yr surrender$100,000+
Trigger: 4.7% · 1-yr
S&P 500 Index
Performance trigger
Selected state rate set (NY)10-yr surrender$100,000+
Fixed: 3.1% · 1-yr
Fixed Account
Fixed account
Selected state rate set (NY)10-yr surrender$100,000+
Rate not shown · 1-yr
Fixed Account
Fixed account
Selected state rate set (NY)Rate effective Sep 29, 202610-yr surrender$100,000+
Rate not shown · 1-yr
S&P 500 Index
Point-to-point
Selected state rate set (NY)Rate effective Sep 29, 202610-yr surrender$100,000+
Cap: 4.65% · 1-yr
S&P 500 Index
Point-to-point
Selected state rate set (NY)10-yr surrender$100,000+
Trigger: 3.85% · 1-yr
S&P 500 Index
Performance trigger
Selected state rate set (NY)10-yr surrender$100,000+
Fixed: 3% · 1-yr
Fixed Account
Fixed account
Selected state rate set (NY)10-yr surrender$100,000+
Rate not shown · 1-yr
Fixed Account
Fixed account
Selected state rate set (NY)Rate effective Sep 29, 202610-yr surrender$100,000+
Rate not shown · 1-yr
S&P 500 Index
Point-to-point
Selected state rate set (NY)Rate effective Sep 29, 202610-yr surrender$100,000+
Accumulation profile
Accumulation-focused contract
The CANNEX information identifies this product as tax-deferred accumulation. Compare cap, participation rate, fees, liquidity, and surrender terms; use a separate payout-focused contract when guaranteed payout mechanics are required.
Common questions about Protective Indexed Annuity NY
● Can I lose money in Protective Indexed Annuity NY?
A negative index return by itself does not reduce the contract's account value: Protective Indexed Annuity NY credits 0% — the floor — for that indexed period. The account value can still decrease from withdrawals, surrender charges, other contract-specific deductions. In years with no credited interest, those deductions can reduce the account value. Up to 10% of your value can be withdrawn each year without a charge; withdrawals above the penalty-free amount during the surrender period can incur a surrender charge.
● When can I access my money without a surrender charge?
Up to 10% of your account value each year is penalty-free. The scheduled surrender charges run 7 years; after that the surrender-charge schedule ends. Bonus vesting, market value adjustments when applicable, and other contract rules can still affect the amount available. The Liquidity tab of the analyzer shows the year-by-year surrender charge.
● How do Protective Indexed Annuity NY's crediting strategies compare?
Use "Compare against" in the analyzer to overlay another available Protective Indexed Annuity NY strategy on the same premium, age, years, and hypothetical index path. The control labels the strategy type, rate, index, and context so caps, participation rates, triggers, spreads, and fixed-account choices are not treated as interchangeable.
Key Features
Free withdrawal
10%/yr
Annual amount that may be available without surrender charges, subject to contract terms.
Surrender waivers
3
Nursing home waiver, Terminal illness waiver, Unemployment waiver
Death benefit
Standard Death Benefit
Beneficiary value depends on contract terms, withdrawals, and rider elections.
Cap-rate floor
0.00%
Minimum guaranteed cap for cap-based indexed strategies.
Declared-rate floor
0.00%
Minimum guaranteed declared rate for declared-rate or performance-trigger strategies.
Fixed account guarantee
0.00%
Guaranteed minimum interest rate for the fixed account.
Participation-rate floor
0.00%
Minimum guaranteed participation rate for participation-rate indexed strategies.
Annuitization options
Certain period, Joint life, Single life
Published payout options from the normalized contract facts.
Fund types
Non-qualified, Qualified
Availability can vary by state and product terms.
Surrender schedule
Yr 1
9%
Yr 2
9%
Yr 3
8%
Yr 4
7%
Yr 5
6%
Yr 6
5%
Yr 7
4%
After
0%
Nursing home waiver, Terminal illness waiver, Unemployment waiver
Documents
brochure
NYAC-1128-12-19-PIA-NY-ProductProfile-08-4-21.pdf
Confidence: highReviewed Apr 8, 2026
Direct link not published — request the document from the carrier.
Carrier Ratings
AM BestA+
FitchAA-
Moody'sAa3
S&PAA-
Contract notes from product data
Crediting design
How the interest-crediting choices are framed
Protective Indexed Annuity NY currently shows 17 distinct indexed or fixed crediting choices across 30 displayed rate entries, including S&P 500 Index. These choices matter because caps, participation rates, fixed accounts, spreads, and renewal terms are different mechanics and should not be ranked as one simple rate list.
S&P 500 Index: 5.65% annual cap
S&P 500 Index: 4.65% annual cap
S&P 500 Index: 5.5% annual cap
S&P 500 Index: 4.2% annual cap
Liquidity terms
Why access rules deserve as much attention as rates
A fixed indexed annuity can preserve more control than an income-only contract, but access is still governed by the surrender schedule, free-withdrawal terms, and waiver language. Those details are where many product comparisons become more meaningful than a simple rate list.
10%/yr free withdrawal
7 surrender years
Nursing home waiver
Terminal illness waiver
Unemployment waiver
Verification note
Use carrier materials as term evidence, then confirm the current version
Carrier materials such as NYAC-1128-12-19-PIA-NY-ProductProfile-08-4-21.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 24, 2026. For the current brochure, rate sheet, or specimen contract, confirm the state-specific version with the carrier or a licensed financial professional.
Rates and rider terms can vary by state and issue age
Carrier guarantees depend on claims-paying ability
Current contract forms should be confirmed before purchase
Free Comparison Report
Get a Protective Indexed Annuity NY rate report
See how Protective Indexed Annuity NY compares for your age, state, premium, and income goals alongside other Protective Life Insurance Company fixed indexed annuity options.
Cite this page for its methodology or interpretation. Current figures may refresh, so this canonical page URL is not a frozen data citation. To quote a market statistic, use the citation showing its observed as-of date and immutable JSON verification URL published by the Annuity Rate Statistics hub. Bulk product-level CANNEX records are not licensed for redistribution.