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Streamline legacy protection with a choice of four death benefit options

Protective® Dimensions V variable annuity features four death benefit options to give your clients the flexibility they need to meet their retirement goals.

Death benefits – with options

Protective Dimensions V variable annuity gives clients choices about how to leave a financial legacy to loved ones.
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.
Maximum Quarterly Value enhanced death benefit
Market gains are applied to the death benefit on a quarterly basis, less any withdrawals.

Offer a flexible strategy to meet your client's unique legacy goals

See how Protective Dimensions V enhanced death benefits can be part of a customized investment strategy to help your clients prepare for a future that's worth protecting.

Return of Purchase Payments death benefit

Should your client pass away before starting annuity income payments, their beneficiaries will receive the greater of the contract value or total investment in the variable annuity, less an adjustment for each prior withdrawal. This benefit is available from ages 0-85 and costs 0.20% (annualized).
Graph shows standard process for death benefit payout.

Maximum Anniversary Value death benefit

Take advantage of market gains on an annual basis by applying any additional contract value on each contract anniversary to the death benefit, less any withdrawals. Once locked in, the death benefit never falls below the highest anniversary lock-in amount, even when contract value decreases due to investment performance. This benefit is available from ages 0-77 and costs 0.35% (annualized).
Graph shows death benefit rising with annual market gains.

Maximum Quarterly Value death benefit

Clients can apply contract value increases more frequently, providing additional opportunities to capture market gains. Once applied to the death benefit, the amount will never decrease due to investment performance, ensuring a stable or growing benefit for loved ones. This benefit is available from ages 0-77 and costs 0.40% (annualized).
Graph shows contract value (death benefit) increasing on a quarterly basis when the market experiences gains.
Parent protecting a child by holding his hand, much like an enhanced death benefit on a Protective annuity will protect his future.
Help clients enjoy what's ahead with more confidence and security
It's important for your clients to have a legacy benefit that supports their goals. Our death benefit options help your clients create the lasting legacy they and their beneficiaries deserve.

Our death benefits guide has all the details.
Download guide

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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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Flexible premium deferred variable and fixed annuity contracts issued under policy form series VDA-P-2006. 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 Protective Life Insurance Company. Policy form numbers, product availability and product features may vary by state.

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 Protective at 800-456-6330.

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