Simulation & Edit Mode
Active Product: Protective Life – Foundation 5 (ROP)
Protective Life – Foundation 5 (ROP)
About this product
The Protective Life Foundation 5 with Return of Premium (ROP) is a single-premium Multi-Year Guaranteed Annuity (MYGA) that builds upon the base Foundation 5 with an added safety feature—the Return of Premium benefit. This ensures that even if the contract is surrendered early and surrender charges apply, the policyholder will never receive less than their original premium amount.
Issued by Protective Life Insurance Company, this annuity blends steady fixed growth, full principal protection, and guaranteed liquidity, offering peace of mind to investors who value both consistent accumulation and downside protection. It’s especially suitable for those nearing retirement who may need flexibility without forfeiting principal.
Important Disclaimer
The results displayed here are for simulation purposes only and do not represent financial advice or real-world values. Please consult a qualified financial professional before making any investment decisions.
Available Rates
| 5 Years | 5.20% |
Available Guarantee Periods
Rates based on investment amount $100,000.00
| $10,000.00 - $99,999.00 | 5.15% |
| $100,000.00 - $249,999.00 | 5.20% |
| $250,000.00 - $999,999.00 | 5.25% |
| $1,000,000.00 - $2,000,000.00 | 5.30% |
Features
| Maximum Issue Age | 90 years |
Growth Projection
How your money grows
Based on your issue age (55) and target payout age (60), the following guarantee period will be applied:
| Guarantee Period | 5 years |
| Rate | 5.20% |
| Age | 55 - 60 |
Summary
| Total years to payout | 30 |
| Total guarantee periods applied | 6 |
Lifetime Income Details
Payout Options
Additional Options
Actual payout options may vary by insurance carrier and specific products. Common alternatives include:
Life Income Only
Payments for the rest of your life, stopping upon death
Period Certain
Guaranteed payments for a specific time period (5, 10, 15, or 20 years)
Life with Period Certain
Lifetime payments with a minimum guaranteed period
Joint Life
Payments continue for both you and your spouse's lifetimes
Systematic Withdrawal
Regular withdrawals of a specified amount or percentage