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PROTECTIVE INCOME BUILDER INDEXED ANNUITY | INCOME FOR LIFE
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MAXIMIZE GUARANTEED INCOME FOR LIFE WITH PROTECTIVE® INCOME BUILDER
Build retirement confidence with this indexed annuity's predictable, retirement
income for life and guaranteed benefit base growth potential. Learn how with our
interactive calculator.
Calculate income
WHY PROTECTIVE INCOME BUILDER?
This fixed indexed annuity offers income protection and the ability to adjust if
client needs change.
High guaranteed income opportunities
Thanks to an 8% benefit base roll-up and competitive withdrawal rates.¹
Ability to customize income strategies
With a choice of either a level or rising lifetime income payment options.
Flexible features for clients’ changing needs
Like the ability to elect income timing and payout options after contract issue.
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Check current rates
Be sure to confirm our current and future rates for the fixed and indexed
interest crediting strategies, which we set every two weeks. Rates may change
without notice and, depending on market conditions, may be set more frequently.
Current rates
Future rates
Keep retirement income plans on track
Watch this short video to learn how Protective Income Builder Indexed Annuity
with the Guaranteed Income Benefit can help keep clients’ retirement income
plans on track.
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People are retiring earlier than planned 53% of the time.²
See how having a source of predictable, guaranteed retirement income for life
with Protective Income Builder can help prepare them for the unexpected.
Download flyer
PRODUCT SNAPSHOT
A quick profile of the Protective Income Builder and how it can fit into a
client's retirement plan.
BUILT-IN WAIVERS TO PROTECT AGAINST UNEXPECTED LIFE EVENTS
* Penalty-free withdrawals of 10% of the contract value
* Nursing facility confinement/terminal illness condition waiver which allows
the withdrawal of all or a portion of the contract value3
* Unemployment waiver which permits the withdrawal of all or a portion of the
contract value with no withdrawal charge3
CONSIDER THIS PRODUCT FOR A CLIENT WHO:
* Wants a predictable source of income for retirement
* Is concerned about outliving their income
* Is focused on protecting their retirement assets, in addition to their income
* Prefers products that are low risk
* Is concerned about the risks and costs associated with variable annuities
KEY PRODUCT SPECS
* Issue ages are 50 – 85
* Minimum initial purchase payment of $25,000 — additional premiums allowed in
the first contract year
* Low-risk asset growth with interest crediting strategies based on the
performance of the S&P 500® Index or Citi Flexible Allocation 6 Excess Return
Index, as well as a fixed interest option
* Includes a guaranteed lifetime income benefit, with an 8% roll-up1
Full details
BUILT-IN WAIVERS TO PROTECT AGAINST UNEXPECTED LIFE EVENTS
* Penalty-free withdrawals of 10% of the contract value
* Nursing facility confinement/terminal illness condition waiver which allows
the withdrawal of all or a portion of the contract value3
* Unemployment waiver which permits the withdrawal of all or a portion of the
contract value with no withdrawal charge3
CONSIDER THIS PRODUCT FOR A CLIENT WHO:
* Wants a predictable source of income for retirement
* Is concerned about outliving their income
* Is focused on protecting their retirement assets, in addition to their income
* Prefers products that are low risk
* Is concerned about the risks and costs associated with variable annuities
123
*
Calculate guaranteed income
Use our interactive calculator to get an income estimate in just a few steps.
Calculate income
HELPFUL RESOURCES ON PROTECTIVE INCOME BUILDER
Need a deeper look into product features or resources to help you introduce
guaranteed income to your clients? We’ve gathered some helpful resources for
you.
Protective Income Builder in-depth product profile guide
Download
Review available interest crediting strategies
Download
Detailed look at the level and rising income payout options
Download
A look at how guaranteed income sources complement clients' retirement
portfolios
Download
Overview of the guaranteed rate cap for term interest crediting strategy
Download
See how much more income this product creates vs a variable annuity
Download
Understanding income gaps and how an indexed annuity can fill them
Download
Overview of the Citi Flexible Allocation 6 Excess Return Index
Download
OTHER RELATED TOPICS
Protective® Income Creator fixed annuity provides lifetime income
Learn more
Protective® Variable Annuity II B Series for growth, income and legacy
protection
Learn more
The role of guaranteed income in retirement planning
Learn more
We're here for you
Everyone deserves peace of mind when it comes to safeguarding what’s most
important. We’re ready to help you deliver the protection and security your
clients deserve. Reach out to us anytime for questions and support, and we’ll
get in touch with you as soon as possible.
Contact us
WELCOME TO PROTECTIVE
Before entering the site, please confirm that you are currently licensed to sell
life insurance and/or annuities.
1
I hold proper licensing and registration to sell life insurance and/or
annuities.
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¹ Your Benefit base (the amount on which your benefit withdrawals are
determined) is guaranteed to increase by 8% of the total purchase payments every
year for up to ten years, or until benefit election, whichever occurs first.
² LIMRA Secure Retirement Institute, The Inner Workings of Retirement Timing,
2018.
³ Waives withdrawal charges and MVA for contract owners and/or spouses who
qualify. May not be available in all states. State variations may apply. Terms
and conditions apply.
Withdrawals reduce the annuity’s remaining death benefit, contract values, cash
surrender and future earnings. Withdrawals may be subject to income tax and, if
taken prior to age 59½ an additional 10% IRS tax penalty may apply. More
frequent withdrawals may reduce earnings more than annual withdrawals.
WEB.3026394.08.21
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Protective® is a registered trademark of Protective Life Insurance Company.
Protective and Protective Life refers to Protective Life Insurance Company
(PLICO) located in Nashville, TN and its affiliates, including Protective Life &
Annuity Insurance Company (PLAIC) located in Birmingham, AL. Insurance and
annuities are issued by PLICO in all states except New York and in New York by
PLAIC. Product availability and features may vary by state. Each company is
solely responsible for the financial obligations accruing under the products it
issues. Product guarantees are backed by the financial strength and
claims-paying ability of the issuing company. Securities offered by Investment
Distributors, Inc. (IDI) the principal underwriter for registered products
issued by PLICO and PLAIC, its affiliates. IDI is located in Birmingham,
Alabama. Insurance and Annuities are: Not a Deposit | Not Insured by any
Federal Government Agency | Have no Bank or Credit Union Guarantee | Not
FDIC/NCUA Insured | May Lose Value
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