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Happy couple enjoying a secure retirement with a solid guaranteed income plan.
Happy couple enjoying a secure retirement with a solid guaranteed income plan.

Boost retirement confidence with guaranteed income

Clients can feel more confident in the future they've worked hard for when a portion of retirement income is derived from guaranteed sources. Start a guaranteed income conversation with your clients and help them protect their vision for retirement.
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3 benefits of guaranteed income for clients

Financial
Research finds that retirees who hold a larger portion of their wealth in guaranteed income actually spend more than retirees who hold equal wealth in investments.¹
Emotional
The security of a protected paycheck reduces or lessens the stress of market ups and downs from your clients’ lives, so they feel more comfortable spending money on their lifestyle.
Budgetary
As clients age, automating a budget with guaranteed income can help them reduce the risk of financial mistakes due to the risk of congitive impairments.

Build more confidence with a guaranteed income solution

Guaranteed income solutions, like annuities, can help clients feel more confident in the long-term viability of their retirement plan. See how leveraging an annuity can protect retirement income and secure funding for inflexible retirement expenses.

Meet Tom and Lucy

Tom and Lucy are 65 year-old pre-retirees who don't want to run out of money in retirement. They want to ensure their essential expenses are covered so they can live out their lifestyle goals in retirement.
Image of pre-retirees, Tom and Lucy, walking on the beach.

Typical sources of retirement income

Tom and Lucy are relying on typical income sources, like Social Security, a pension plan, and personal savings to support their retirement needs. But only the Social Security and pension plan will provide guaranteed income they can rely on to cover inflexible expenses.
Chart illustrating that the half of Tom and Lucy’s retirement income comprised of Social Security and pension benefits.

Leveraging an annuity to instill more confidence

By using some of their personal savings to add an annuity with a guaranteed income benefit to their retirement plan, Tom and Lucy can increase the portion of their retirement income that is guaranteed. More guaranteed income can help protect their plan against unexpected risks and increase the likelihood that their money will last a lifetime.
Chart illustrating that by adding an annuity with a guaranteed lifetime income benefit to their plan, over half of Tom and Lucy’s income is now guaranteed.

Use this 3-step income planning approach with clients

Employ three easy tactics to strengthen your client's confidence in their retirement plans. Set spending priorities, estimate expenses, and evaluate how flexible their expenses can be. For more on this approach and support to enrich your client conversations, download this white paper by expert Michael Finke.
Financial professional reviewing a white paper detailing a 3-step approach to income planning.

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Explore our guaranteed income solutions

When you've identified a need for guaranteed income in your clients' plans, our suite of annuity solutions can help you deliver a solution that best fits your clients' retirement goals. Explore our options below.
Income soon
Protective® Income Creator Fixed Annuity

Fixed annuity


Protected lifetime income with access to money

Income with legacy
Protective® Dimensions V Variable Annuity

Variable annuity


Tax-deferred growth plus an optional lifetime income benefit

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Stress test clients’ income plan with a portfolio reliance rate review
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We’re here for you

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.
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Welcome to Protective

Before entering the site, please confirm that you are currently licensed to sell life insurance and/or annuities.

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1David Blanchett and Michael Finke, "Guaranteed Income: A License to Spend," 2021.

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. Product availability and features may vary by state.

Protective Dimensions V variable annuity is a flexible premium deferred variable and fixed annuity contracts issued under policy form numbers VDA-P-2006 (PLICO). SecurePay Income benefits issued on rider form VDA-P-6068. Product availability and 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.

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