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Happy couple enjoying a secure retirement with a solid guaranteed income plan.
Happy couple enjoying a secure retirement with a solid guaranteed income plan.

Boost retirement confidence with guaranteed income

Customers can feel more confident in the future they've worked hard for when a portion of retirement income is derived from guaranteed sources. Start a guaranteed income conversation with your customers and help them protect their vision for retirement.
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3 benefits of guaranteed income for customers

Financial
Research finds that retirees who hold a larger portion of their wealth in guaranteed income actually spend more than retirees who hold equal wealth in investments.¹
Emotional
The security of a protected paycheck reduces or lessens the stress of market ups and downs from your customers’ lives, so they feel more comfortable spending money on their lifestyle.
Budgetary
As customers age, automating a budget with guaranteed income can help them reduce the risk of financial mistakes due to the risk of congitive impairments.

Build more confidence with a guaranteed income solution

Guaranteed income solutions, like annuities, can help customers feel more confident in the long-term viability of their retirement plan. See how leveraging an annuity can protect retirement income and secure funding for inflexible retirement expenses.

Meet Tom and Lucy

Tom and Lucy are 65 year-old pre-retirees who don't want to run out of money in retirement. They want to ensure their essential expenses are covered so they can live out their lifestyle goals in retirement.
Image of pre-retirees, Tom and Lucy, walking on the beach.

Typical sources of retirement income

Tom and Lucy are relying on typical income sources, like Social Security, a pension plan, and personal savings to support their retirement needs. But only the Social Security and pension plan will provide guaranteed income they can rely on to cover inflexible expenses.
Chart illustrating that the half of Tom and Lucy’s retirement income comprised of Social Security and pension benefits.

Leveraging an annuity to help instill more confidence

By using some of their personal savings to add an annuity with a guaranteed income benefit to their retirement plan, Tom and Lucy can increase the portion of their retirement income that is guaranteed. More guaranteed income can help protect their plan against unexpected risks and increase the likelihood that their money will last a lifetime.
Chart illustrating that by adding an annuity with a guaranteed lifetime income benefit to their plan, over half of Tom and Lucy’s income is now guaranteed.

Use this 3-step income planning approach with customers

Employ three easy tactics to strengthen your customer's confidence in their retirement plans. Set spending priorities, estimate expenses, and evaluate how flexible their expenses can be. For more on this approach and support to enrich your customer conversations, download this white paper by expert Michael Finke.
Financial professional reviewing a white paper detailing a 3-step approach to income planning.

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Explore our guaranteed income solutions

When you've identified a need for guaranteed income in your customers' plans, our suite of annuity solutions can help you deliver a solution that best fits your customers' retirement goals. Explore our options below.
Income soon
Protective® Income Creator Fixed Annuity

Fixed annuity


Protected lifetime income with access to money

Income later
Protective® Income Builder Fixed Indexed Annuity

Indexed annuity


10% benefit base rollup² and competitive withdrawal rates

Income with growth potential
Protective® Aspirations Variable Annuity

Variable annuity


Tax-deferred growth potential plus an optional lifetime income benefit

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We’re here for you

We’re ready to help you deliver the protection and security customers deserve. Reach out to us anytime for questions and support, and we’ll get in touch with you as soon as possible.
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1 David Blanchett and Michael Finke, "Guaranteed Income: A License to Spend," 2021.

2 Your Benefit base (the amount on which your benefit withdrawals are determined) is guaranteed to increase by 10% of the total purchase payments every year for up to ten years, or until benefit election, whichever occurs first.

Protective Income Creator is a fixed, single premium, deferred annuity contract with a limited market value adjustment, issued under contract form series LDA-P-2013. The Lifetime Income Benefit is provided under rider form series LDA-P-6054. Protective Income Creator is issued by Protective Life Insurance Company located in Nashville, TN. Contract form numbers, product availability and features may vary by state.

Protective Income Builder indexed annuity is a limited flexible premium deferred indexed annuity contract issued under policy form series FIA-P-2011 or FIA-P-2010. Policy form numbers, product availability and features may vary by state.

Protective Aspirations variable annuity is a flexible premium deferred variable and fixed annuity contract issued by PLICO in all states except New York under policy form series VDA-P-2006. Policy form numbers, product availability and product features may vary by state.

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