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Offer a tailored legacy plan with enhanced death benefits

With a choice of death benefit options, Protective Variable Annuity NY II B Series offers customers the flexibility needed to support their unique legacy planning goals.

A choice of 3 death benefit options

Return of Purchase Payments standard death benefit
Returns the investment or contract value, whichever is greater at time of death, less withdrawals.
Maximum Anniversary Value enhanced death benefit
Market gains can be locked in each contract anniversary to increase the value of the death benefit, less any withdrawals.1
Maximum Quarterly Value enhanced death benefit
Market gains are captured in the contract value and added to the death benefit on a quarterly basis, less any withdrawals.2
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Begin the legacy conversation with your customers
Adding an enhanced death benefit option to a Protective Variable Annuity NY II B Series contract provides a quick and easy way to protect loved ones if the unexpected happens while working toward retirement goals. Learn more in our summary and begin the conversation with your customers.

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Developing a holistic retirement plan
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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.
1The Maximum Anniversary Value death benefit is available at an additional cost of 0.20% (on an annualized basis) of the death benefit at the beginning of each contract month.

2The Maximum Quarterly Value death benefit is available at an additional cost equal to 0.25% (on an annualized basis) of the death benefit at the beginning of each contract month.

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 charges from the insurance company and the investment managers.

Protective does not recommend or endorse any particular investment option and does not provide investment advice. Neither Protective nor its representatives offer legal or tax advice. Purchasers should consult their attorney or tax advisor regarding their individual situation.

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. Withdrawals reduce the annuity's remaining death benefit, contract value, cash surrender value and future earnings.

Policy form numbers, product availability and product features may vary by state. Flexible premium deferred variable and fixed annuity contracts issued under policy form series VDA-P-2006 (PLICO) and (VDA-A-2006 (PLAIC). Return of Premium Death Benefit offered under rider form series VDA-P-6001. Maximum Anniversary Value Death Benefit offered under rider form series VDA-P-6002BB. Maximum Quarterly Value Death Benefit offered under rider form series VDA-P-6034BB. Variable annuities are distributed by Investment Distributors, Inc. (IDI), a broker-dealer and the principal underwriter for registered products issued by PLICO.

Investors should carefully consider the investment objectives, risks, charges and expenses of a variable annuity, any optional protected lifetime 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.