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Protective%%®%% Income Builder%%SM%% indexed annuity

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.
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Why Protective Income Builder indexed annuity?

This fixed indexed annuity offers income protection and the ability to adjust if customer needs change.
Increased guaranteed income opportunities
Thanks to a 10% benefit base roll-up and competitive withdrawal rates.¹
Potential to boost future guaranteed income
With a 15% benefit base bonus when customers wait 5 years or more before starting income payments.²
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Fexible features for customers' changing needs
With the flexibility to elect income timing and choose either level or rising lifetime income payments.
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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.   
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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 customers’ retirement income plans on track.
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Smiling woman learns how guaranteed income can help prepare her for the unexpected.
People are retiring earlier than planned 49% of the time.%%3%%
See how having a source of predictable, guaranteed retirement income for life with Protective Income Builder indexed annuity can help prepare them for the unexpected.
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Product snapshot

A quick profile of Protective Income Builder indexed annuity and how it can fit into a customer's retirement plan.

Consider this product for a customer 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
a woman who represents a potential client for the Protective Income Builder Indexed Annuity.

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 10% roll-up¹
Full details
illustration of a person reviewing the key product specifications of the Protective Income Builder Indexed Annuity.

Built-in waivers to protect against unexpected life events

  • Annual 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 value4
  • Unemployment waiver which permits the withdrawal of all or a portion of the contract value with no withdrawal charge4
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Helpful resources on Protective Income Builder

Need a deeper look into product features or resources to help you introduce guaranteed income to customers? We’ve gathered some helpful resources for you.
Cover of the Index Strategy Options guide for Protective Income Builder indexed annuity.
Review available interest crediting strategies
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Complementing your retirement portfolio with a guaranteed income solution flyer.
Understanding income gaps and how an indexed annuity can fill them
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Guaranteed growth and lifetime income you can’t outlive cover
Guaranteed growth and lifetime income you can’t outlive
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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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Welcome to Protective

Before entering the site, please confirm that you are currently an authorized financial professional.

1 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 10 years, or until benefit election, whichever occurs first.


2 A one-time 15% increase is applied to the benefit base on the 5th Contract Anniversary if benefit withdrawals have not begun.


3 Employee Benefit Research Institute/Greenwald Research Retirement Confidence Survey, 2024


4 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.


Protective refers to Protective Life Insurance Company (PLICO), and its affiliates including Protective Life and Annuity Insurance Company (PLAIC). PLICO is located in Omaha, NE and is licensed in all states except New York. PLAIC is located in Birmingham, AL, and is licensed in New York.


Protective is a registered trademark of PLICO. The Protective trademarks, logos, and service marks are property of PLICO and are protected by trademark and/or other proprietary rights and laws.


Product guarantees are backed by the financial strength and claims paying ability of the issuing company.


Life Insurance and annuities are issued by PLICO in all states except New York. In New York, life insurance and annuities are issued by PLAIC.


Annuities are long-term insurance contracts intended for retirement purposes. This material is for informational purposes only and does not constitute investment advice or a recommendation. Neither Protective nor its employees, representatives, and/or insurance agents offer tax, accounting, or legal advice. For such advice, purchasers should consult with their professional legal or tax advisor regarding their individual situations.


Annuities are long-term insurance contracts intended for retirement purposes.


Protective Income Builder indexed annuity is a limited flexible premium deferred indexed annuity contract issued under policy forms FIA-P-2010 and FIA-P-2011, and state variations thereof. For Idaho, the contract form number is ICC15-FIA-P-2011. The Guaranteed Income Benefit is provided under rider policy form ICC17-FIA-P-6048 and state variations thereof. Protective Income Builder indexed annuity is issued by PLICO (Omaha, NE). Policy form numbers, product availability and features may vary by state.


Protective Income Builder indexed annuity is not an investment in any index, is not a security or stock market investment, does not participate in any stock or equity investment, and does not contain dividends.


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