Protective Life – Foundation 5 with Return of Premium (ROP) (Base + Cetera)
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.
Available Rates
Rates are based on current simulation settings with premium amount $100,000.00
| 5 Years | 5.20% |
Available Guarantee Periods
Rates are based on current simulation settings with premium amount $100,000.00
| $10,000.00 - $99,999.00 | 5.15% |
| $100,000.00 - $249,999.00 | 5.2% |
| $250,000.00 - $999,999.00 | 5.25% |
| $1,000,000.00 - $2,000,000.00 | 5.3% |
| Features | |
| Maximum Issue Age | 90 years |
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