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SecurePay Protector%%SM%% optional lifetime income benefit

When customers add the SecurePay Protector optional lifetime income benefit1 to their Protective® Aspirations variable annuity,2 they get access to guaranteed lifetime income and benefit base growth, regardless of market performance.

Why add SecurePay Protector benefit to Protective Aspirations variable annuity?

This optional benefit helps customers maximize and protect retirement income with:
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Guaranteed growth
Watch their benefit base grow with an annual 7% compounding rollup3 during the accumulation phase.
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Guaranteed stream of income for life
Ensure retirement income for life determined by the benefit base and age-based withdrawal rate.4
Built-in features for flexibility
Adapt to life's changes — such as retiring earlier or later than planned or experiencing a health event.

Use our tool below to see how compounding growth and competitive features work to deliver strong guaranteed income.

Please contact the Annuity Sales Desk for Protective® Aspirations NY variable annuity illustrations.



Helpful resources

We want to help you decide if this solution is the right fit for your customers. Use these resources to learn more about the product and support customer conversations
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Introduce clients to SecurePay Protector optional lifetime income benefit
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Show key facts and figures behind SecurePay Protector's strength
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Show how the SecurePay Reserve feature works
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Share this solution's potential performance with customers
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Introduce NY customers to SecurePay Protector optional lifetime income benefit
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Share key facts and figures behind SecurePay Protector's strength with NY customers

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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.
¹ SecurePay Protector is available at issue for 1.5% (1.6% with RightTime) of the benefit base annually.

² In New York, the product offered is the Protective® Aspirations NY variable annuity.

³ The 7% guaranteed growth rate will continue to be available annually until 10 benefit base increases have occurred or until benefit withdrawals have begun, if earlier.

4 If contract value falls to zero due to excess withdrawals the optional income benefit will terminate and payments will end. If contract value is reduced to zero due to benefit withdrawals, the contract will be annuitized and monthly income payments will begin in an amount equal to the last Annual Withdrawal Amount, divided by 12.

5 SecurePay NH nursing home enhancement may not be available in all states and may not be available with new contracts in the future. To qualify for SecurePay NH, the customer must: Be confined to a qualified nursing care facility; be unable to perform two out of six specified Activities of Daily Living or be diagnosed with a severe cognitive impairment; have not been in a nursing home one year before and after purchasing an optional protected lifetime income benefit. Proof of continued qualification is required for each contract year in which this benefit is claimed.

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 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 is issued under rider form number – NY-VDA-A-6075. SecurePay Protector benefits is provided by rider form number – NY-VDA-A-6073.

Protective does not offer or provide investment, fiduciary, financial, legal or tax advice or act in a fiduciary capacity for any client. Please consult with your investment advisor, attorney or tax advisor as needed.

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.

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 Protective at 800- 456-6330.

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