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Guaranteed retirement income with Protective%%®%% Income Creator fixed annuity

This fixed annuity is designed to be stable and create an income stream your clients can't outlive.
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Why Protective Income Creator fixed annuity?

Income focused
This solution optimizes a guaranteed income strategy so clients don't run out of money.
Protect against the unexpected
With income protection also comes protected principal and access to money.
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Simple and cost effective
An easy, client-friendly design with one low annual fee.
Learn how your clients can guarantee lifetime retirement income
Is it really possible for your clients to ensure their income will last so they can achieve their goals and have the retirement they’ve envisioned? Yes. It’s all explained in this quick video about Protective Income Creator fixed annuity.
screen capture from a video that explains how Protective Income Creator Fixed Annuity provides a Lifetime Income Benefit

Product snapshot

Get a quick view of Protective Income Creator fixed annuity and why learn it's a great option for clients who are goal-based investors seeking a lifetime income stream.

Consider this for a client who:

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

Key product specs

  • Guaranteed retirement income for life
  • Minimum initial purchase payment of $25,000
  • Purchase age is 55 to 75 years old
  • 7-year guaranteed interest rate period
  • Maximum annuitization age is 95
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a person reviewing the key product specifications for the Protective Income Creator fixed 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 value1
  • Unemployment waiver which permits the withdrawal of all or a portion of the contract value with no withdrawal charge2
a grandmother looking content knowing her granddaughter's future is protected by the Income Creator fixed annuity.
Illustration of a person pointing out the current and fixed rates for the Protective Income Creator fixed annuity.
Check our rates
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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View future rates

Helpful resources about Protective Income Creator fixed annuity

Like what you've learned so far about Protective Income Creator fixed annuity? Want to go over a few of the features and benefits in greater detail? These product materials are just what you're looking for.
The cover of the Protective Income Creator fixed annuity product guide.
Show clients how this product could fit into their overall financial plan
Download product profile
The cover of a brochure that explains how someone can earn two times the money on their retirement income.
Share how this product helps protect and maximize retirement income
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Cover of potential annual lifetime income payment guide.
Determine potential annual lifetime income payments
Download guide

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We’re here for you

We’re ready to help you deliver the protection and security your clients 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

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¹ May not be available in all states. State variations may apply.

² Waives 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.

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

Protective Income Creator fixed annuity is a fixed, single premium, deferred annuity contract with a limited market value adjustment issued under contract form series
LDA-P-2013 and state variations thereof. The lifetime income benefit is provided under rider form series LDA-P-6054 and state variations thereof. Protective Income Creator is issued by Protective Life Insurance Company located in Nashville, TN. All payments and guarantees are subject to the claims-paying ability of Protective Life Insurance Company.

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