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Offer clients flexibility and control with Protective%%®%% variable annuity death benefit options

Adding an enhanced death benefit option to a variable annuity can give your clients flexibility and control to support efficient wealth transfer. While a standard death benefit helps protect their legacy, an enhanced death benefit option offers additional protection and growth opportunities for your clients' legacy plans.

Why add an enhanced death benefit option to a variable annuity?

Clients can benefit from a step-up in the variable annuity’s death benefit, addressing legacy concerns while avoiding additional medical underwriting.
Increase amount available to beneficiaries
With Maximum Anniversary Value¹ or Maximum Quarterly Value¹ options, once locked in, the death benefit never falls below the highest lock-in death benefit, less any withdrawals, even when the contract value decreases.
Efficient transfer of 
wealth to beneficiaries
Enhanced death benefits allow your clients to leave a legacy to their beneficiaries without the complications and delays associated with probate.
Removes the need for 
medical underwriting
Clients may choose to use the variable annuity enhanced death benefit as part of a legacy plan.

Connect our enhanced death benefits to your clients' specific legacy goals

Protect their legacy
The Return of Purchase Payments² death benefit helps client protect their legacy by returning the total investment, less withdrawals, to beneficiaries if it's greater than the contract value.
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Increase their legacy
Designed to capture gains, the Maximum Anniversary Value¹ and The Maximum Quarterly Value¹ death benefits can help clients focused on growing their financial legacy.

Other related topics

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Developing a holistic retirement strategy
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Legacy planning to protect what clients pass on
Financial professional explaining the benefit of adding lifetime income benefits to a Protective variable annuity.
Adding lifetime income benefits to a variable annuity
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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 your clients deserve. Reach out to us anytime for questions and support, and we’ll get in touch with you as soon as possible.
¹Maximum Anniversary Value (0.35% annualized) and Maximum Quarterly Value (0.40% annualized) are optional enhanced death benefits available at an additional cost. The death benefit option must be selected at the time of issue and cannot be changed.

²The Return of Purchase death benefit is an optional enhanced death benefit available at an additional cost of 0.20% on an annualized basis.

Protective Dimensions V variable annuity is a flexible premium deferred variable and fixed annuity contract issued by PLICO in all states except New York on policy form VDA‐P‐2006. Policy form numbers, product availability and product features may vary by state.

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.

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 prospectus for a variable annuity and its underlying investment options. Investors should read the prospectus carefully before investing. Prospectuses may be obtained by contacting Protective at 800‐456‐6330.