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Fixed Indexed Annuity

Protective Indexed Annuity NY

Protective Life Insurance Company

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5.65%

Best S&P 500 Annual Cap

10%

Free W/D

New York

Only state

Product data status: July 15, 2026

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, income, and liquidity. Index losses credit 0% — the floor — so a down market never reduces your value.

Product analyzer
Illustrative — live CANNEX rates as of July 15, 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 (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 July 15, 2026.

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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.

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Live rate data

Run live numbers for Protective Indexed Annuity NY

Current rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Protective Life Insurance Company product.

Live product data

Rates as of July 15, 2026, based on the latest AdvisorWorld scan of CANNEX data.

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

Index / strategyRate mechanics

S&P 500

S&P 500 Index

5.65% cap rate

Annual cap

Selected state rate set (NY)

1-year term · 10-year surrender · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

4.65% cap rate

Annual cap

Selected state rate set (NY)

1-year term · 10-year surrender · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

5.5% cap rate

Annual cap

Selected state rate set (NY)

1-year term · 5-year surrender · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

4.2% cap rate

Annual cap

Selected state rate set (NY)

1-year term · 5-year surrender · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

5.55% cap rate

Annual cap

Selected state rate set (NY)

1-year term · 7-year surrender · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

4.55% cap rate

Annual cap

Selected state rate set (NY)

1-year term · 7-year surrender · $100,000+

Rate varies by premium band.

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+

Rate varies by premium band.

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+

Rate varies by premium band.

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+

Rate varies by premium band.

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+

Rate varies by premium band.

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+

Rate varies by premium band.

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+

Rate varies by premium band.

Fixed Account

Fixed Account

3.1% declared rate

Fixed account

Selected state rate set (NY)

1-year term · 10-year surrender · $100,000+

Rate varies by premium band.

Fixed Account

Fixed Account

3% declared rate

Fixed account

Selected state rate set (NY)

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+

Fixed Account

Fixed Account

3.05% declared rate

Fixed account

Selected state rate set (NY)

1-year term · 7-year surrender · $100,000+

Rate varies by premium band.

Fixed Account

Fixed Account

3% declared rate

Fixed account

Selected state rate set (NY)

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.

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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.

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All crediting strategies

View rate listings (32 rows)

These are the current crediting strategy listings returned for this product. 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

cap

Selected state rate set (NY)5-yr surrender$100,000+

Trigger: 4.5% · 1-yr

S&P 500 Index

trigger

Selected state rate set (NY)5-yr surrender$100,000+

Fixed: 3% · 1-yr

Fixed Account

fixed

Selected state rate set (NY)5-yr surrender$100,000+

Cap: 4.2% · 1-yr

S&P 500 Index

cap

Selected state rate set (NY)5-yr surrender$100,000+

Trigger: 3.5% · 1-yr

S&P 500 Index

trigger

Selected state rate set (NY)5-yr surrender$100,000+

Fixed: 3% · 1-yr

Fixed Account

fixed

Selected state rate set (NY)5-yr surrender$100,000+

Cap: 4.45% · 1-yr

S&P 500 Index

cap

Selected state rate set (NY)5-yr surrenderUp to $99,999.99

Trigger: 3.8% · 1-yr

S&P 500 Index

trigger

Selected state rate set (NY)5-yr surrenderUp to $99,999.99

Cap: 3.5% · 1-yr

S&P 500 Index

cap

Selected state rate set (NY)5-yr surrenderUp to $99,999.99

Trigger: 3.25% · 1-yr

S&P 500 Index

trigger

Selected state rate set (NY)5-yr surrenderUp to $99,999.99

Cap: 5.55% · 1-yr

S&P 500 Index

cap

Selected state rate set (NY)7-yr surrender$100,000+

Trigger: 4.6% · 1-yr

S&P 500 Index

trigger

Selected state rate set (NY)7-yr surrender$100,000+

Fixed: 3.05% · 1-yr

Fixed Account

fixed

Selected state rate set (NY)7-yr surrender$100,000+

Cap: 4.55% · 1-yr

S&P 500 Index

cap

Selected state rate set (NY)7-yr surrender$100,000+

Trigger: 3.75% · 1-yr

S&P 500 Index

trigger

Selected state rate set (NY)7-yr surrender$100,000+

Fixed: 3% · 1-yr

Fixed Account

fixed

Selected state rate set (NY)7-yr surrender$100,000+

Cap: 4.55% · 1-yr

S&P 500 Index

cap

Selected state rate set (NY)7-yr surrenderUp to $99,999.99

Trigger: 3.9% · 1-yr

S&P 500 Index

trigger

Selected state rate set (NY)7-yr surrenderUp to $99,999.99

Fixed: 3% · 1-yr

Fixed Account

fixed

Selected state rate set (NY)7-yr surrenderUp to $99,999.99

Cap: 3.5% · 1-yr

S&P 500 Index

cap

Selected state rate set (NY)7-yr surrenderUp to $99,999.99

Trigger: 3.25% · 1-yr

S&P 500 Index

trigger

Selected state rate set (NY)7-yr surrenderUp to $99,999.99

Cap: 5.65% · 1-yr

S&P 500 Index

cap

Selected state rate set (NY)10-yr surrender$100,000+

Trigger: 4.7% · 1-yr

S&P 500 Index

trigger

Selected state rate set (NY)10-yr surrender$100,000+

Fixed: 3.1% · 1-yr

Fixed Account

fixed

Selected state rate set (NY)10-yr surrender$100,000+

Cap: 4.65% · 1-yr

S&P 500 Index

cap

Selected state rate set (NY)10-yr surrender$100,000+

Trigger: 3.85% · 1-yr

S&P 500 Index

trigger

Selected state rate set (NY)10-yr surrender$100,000+

Fixed: 3% · 1-yr

Fixed Account

fixed

Selected state rate set (NY)10-yr surrender$100,000+

Cap: 4.65% · 1-yr

S&P 500 Index

cap

Selected state rate set (NY)10-yr surrenderUp to $99,999.99

Trigger: 4% · 1-yr

S&P 500 Index

trigger

Selected state rate set (NY)10-yr surrenderUp to $99,999.99

Fixed: 3% · 1-yr

Fixed Account

fixed

Selected state rate set (NY)10-yr surrenderUp to $99,999.99

Cap: 3.65% · 1-yr

S&P 500 Index

cap

Selected state rate set (NY)10-yr surrenderUp to $99,999.99

Trigger: 3.25% · 1-yr

S&P 500 Index

trigger

Selected state rate set (NY)10-yr surrenderUp to $99,999.99

Accumulation profile

Accumulation-focused contract

Current CANNEX product data marks this filing 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 applicable rider fees, Performance Rate Rider or other strategy charges, administrative charges, withdrawals, surrender charges, or 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 current 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

Single life

Contract conversion options should be confirmed before purchase.

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, Surrender waivers

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+
S&PAA-
Moody'sA1
S&PAA-

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

Protective Indexed Annuity NY currently shows 13 distinct indexed or fixed crediting choices across 32 displayed rate-table rows, including S&P 500 Index. These choices matter because caps, participation rates, fixed accounts, spreads, renewal terms, and fee-bearing rider variants 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

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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.

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