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Protect and build assets with Protective%%®%% Secure Saver

Protect what matters most with this annuity. It's designed for customers who want to preserve their principal and reliably accumulate assets that can be withdrawn as guaranteed income in retirement.

Why Protective Secure Saver fixed annuity?

Customers can enjoy these 3 key benefits:
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Guaranteed 5-year rates
Allows customers to safely grow and preserve assets.
3 interest rate bands
Offers more competitive rates at key purchase payment amounts.
Penalty-free access to money
For terminal illness, unemployment or a nursing home stay for owner or spouse.²
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Be sure to confirm our current and future fixed annuity rates, which we set every two weeks. Rates may change without notice and, depending on market conditions, may be set more frequently.
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Product snapshot 

Get a quick profile of Protective Secure Saver fixed annuity and why it makes such a sound retirement income solution.

Consider this solution for a customer who:

  • Is focused on asset protection 
  • Has a conservative risk profile
  • Prefers the safety of cash savings vehicles, money market funds and bank CDs
A woman who represents the ideal client for the Protective Secure Saver fixed annuity.

Key product specs

  • No up-front fees
  • Minimum initial purchase payment of $10,000 — allowed only in the first contract year
  • Issue ages are 0 – 85 for non-qualified contracts, and 18 – 85 for qualified contracts
  • 5-year initial guarantee period
Download full details
An illustration of a person reviewing the key product specifications for the Protective Secure Saver fixed annuity.

Built-in waivers to help protect against unexpected life events

  • Annual penalty-free withdrawals of 10% of the contract value.1
  • Nursing facility confinement/terminal illness condition waiver which allows the withdrawal of all or a portion of the contract value.2
  • Unemployment waiver which permits the withdrawal of all or a portion of the contract value with no withdrawal charge.2
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Conduct a quick comparison

See how Protective Secure Saver fixed annuity compares to some of the other retirement income solutions we offer.
Protective® Secure Saver

Type

Fixed

Investment risk profile

Low

Primary purpose

Asset protection

Key features

Guaranteed 5-year rates

Penalty-free access waivers

Protective® ProPayer Income Annuity

Type

Single premium immediate

Investment risk profile

Low

Primary purpose

Reliable income

Lifetime income

Key features

Simple design

Income focused

Protective® Income Builder

Type

Indexed

Investment risk profile

Low to moderate

Primary purpose

Lifetime income first, then asset growth

Key features

10% guaranteed benefit base roll-up rate

Competitive withdrawal rates

Protective® Asset Builder II

Type

Indexed

Investment risk profile

Moderate

Primary purpose

Protected asset growth

Key features

Index options that support growth and help limit volatility

Diverse interest crediting options for growth optimization

Helpful resources on Protective Secure Saver fixed annuity

Ready to take a deeper dive into the features and benefits? Download these Protective Secure Saver fixed annuity product materials.
a person reviewing the features and benefits of the Protective Secure Saver fixed annuity.
Review full product details
Download product profiles
the cover of an in-depth guide about the Protective Secure Saver fixed annuity.
See key features and benefits
Download quick reference

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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 customers 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

¹Withdrawals may be subject to income tax and if taken prior to age 59½, an additional 10% tax penalty may apply.

²Waives withdrawal charges and MVA for contract owners and/or spouses who qualify. Not available in all states. State variations may apply. Terms and conditions apply.

Protective is a registered trademark of Protective Life Insurance Company; Secure Saver is a trademark of Protective Life Insurance Company.

The Protective Secure Saver fixed annuity is a fixed, limited flexible-premium deferred annuity contract, issued under policy form series LDA-P-2012.

The Protective Secure Saver fixed annuity is issued by Protective Life Insurance Company, located in Nashville, TN. Policy form numbers, product availability and product features may vary by state.

WEB.3403818.07.23