Help clients accomplish more with a single retirement solution. When added to a variable annuity, at an additional cost, optional benefits can help you meet more of their unique protection, growth and income goals.
2 types of benefits to address more specific retirement goals
Adding an optional rider to one of our variable annuity contracts helps you build a holistic retirement strategy that addresses more specific needs. Consider how these benefits could support customers’ unique goals:
- Optional protected lifetime income benefits offer a guaranteed stream of income clients can’t outlive.
- Enhanced death benefit options can help ensure efficient transfer of wealth and more.
Explore optional benefits available with our variable annuities
With a choice of benefits and riders, our variable annuities helps ensure you have the solutions you need to protect customer’s visions of retirement.
Variable annuities
Protective® Aspirations variable annuity
Protective® Aspirations NY variable annuity
Lifetime income benefits
SecurePay Protector℠ provides guaranteed lifetime income and benefit base growth, regardless of market performance.
SecurePay Investor℠ offers 100% subaccount flexibility* plus guaranteed lifetime income if needed.
SecurePay Protector℠ provides guaranteed lifetime income and benefit base growth, regardless of market performance.
SecurePay Investor℠ offers 100% subaccount flexibility* plus guaranteed lifetime income if needed.
Enhanced death benefits
5 death benefit options to match unique legacy and growth goals:
- Contract Value (no cost)
- Return of Purchase Payments
- Maximum Anniversary Value
- Maximum Quarterly Value
- Maximum Daily Value
3 death benefit options to help address unique legacy and growth goals:
- Contract Value (no cost)
- Return of Purchase Payments
- Maximum Anniversary Value
Other related topics
Maximize income, growth and flexibility with Protective%%®%% Aspirations variable annuity
Why guaranteed income supports your customers’ retirement confidence
Important risks to consider in retirement planning
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.
*Access to complete variable fund line-up, fixed account not available with SecurePay Investor benefit.
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. SecurePay Investor benefits issued under rider form number VDA‐P‐6063. SecurePay Protector benefits issued under rider form number VDA‐P‐6061. SecurePay Nursing Home benefits issued under form number IPV‐2159. Policy form numbers, product availability and product features may vary by state.
Protective Aspirations NY variable annuity is a flexible premium deferred variable annuity contract issued by PLAIC in New York under policy form series NY-VDA-A-2024. SecurePay Investor benefits issued under rider form number NY-VDA-A-6075. SecurePay Protector benefits issued under rider form number NY-VDA-A-6073.
Variable annuities are long‐term investments intended for retirement planning and involve market risk and the possible loss of principal. Investments in variable annuities are subject to fees and changes from the insurance company and the investment managers.
Withdrawals reduce the annuity’s remaining death benefit, contract value, cash surrender value 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. During the withdrawal charge period, withdrawals in excess of the penalty-free amount may be subject to a withdrawal charge.
Investors should carefully consider the investment objectives, risks, charges and expenses of a variable annuity, any optional protected income benefit, and the underlying investment options before investing. This and other information is contained in the prospectuses for a variable annuity and its underlying investment options. Investors should read the prospectuses carefully before investing. Prospectuses may be obtained by contacting PLICO or PLAIC at 800‐456‐6330.
WEB.3924352.11.24
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. SecurePay Investor benefits issued under rider form number VDA‐P‐6063. SecurePay Protector benefits issued under rider form number VDA‐P‐6061. SecurePay Nursing Home benefits issued under form number IPV‐2159. Policy form numbers, product availability and product features may vary by state.
Protective Aspirations NY variable annuity is a flexible premium deferred variable annuity contract issued by PLAIC in New York under policy form series NY-VDA-A-2024. SecurePay Investor benefits issued under rider form number NY-VDA-A-6075. SecurePay Protector benefits issued under rider form number NY-VDA-A-6073.
Variable annuities are long‐term investments intended for retirement planning and involve market risk and the possible loss of principal. Investments in variable annuities are subject to fees and changes from the insurance company and the investment managers.
Withdrawals reduce the annuity’s remaining death benefit, contract value, cash surrender value 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. During the withdrawal charge period, withdrawals in excess of the penalty-free amount may be subject to a withdrawal charge.
Investors should carefully consider the investment objectives, risks, charges and expenses of a variable annuity, any optional protected income benefit, and the underlying investment options before investing. This and other information is contained in the prospectuses for a variable annuity and its underlying investment options. Investors should read the prospectuses carefully before investing. Prospectuses may be obtained by contacting PLICO or PLAIC at 800‐456‐6330.
WEB.3924352.11.24