Finding Balance Between Guarantees and Flexibilities in Annuities

Sponsored by

Corinne Anderson, VP of Retirement Product Strategy at Protective Life, discusses recent innovations in the annuity space – and the silver lining in rising interest rates for advisors looking to help clients save for retirement that stems from better savings rates and increasing lifetime guarantees on products like guaranteed lifetime withdrawal benefits.

 

_{For Financial Professional use only.
Protective refers to Protective Life Insurance Company (PLICO), Nashville, TN. Protective® is a registered trademark of Protective Life Insurance Company. The Protective trademarks, logos and service marks are property of PLICO and are protected by copyright, trademark, and/or other proprietary rights and laws.}

_{Variable annuities issued by Protective Life Insurance Company. Securities offered by Investment Distributors, Inc. (IDI). IDI, located in Birmingham, AL, is the principal underwriter for registered insurance products issued by PLICO, its affiliate. Product guarantees are backed by the financial strength and claims-paying ability of PLICO.}

_{Protective Aspirations variable annuity is a flexible premium deferred variable and fixed annuity contract issued by PLICO in all states except New York under policy form series VDA-P-2006. SecurePay Protector benefits issued under rider form number VDA-P-6061. SecurePay Investor benefits issued under rider form number VDA-P-6063. SecurePay NH issued under endorsement form series IPV-2159. 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 changes 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 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 at 800-456-6330.}

_{Protective and its representatives do not offer investment, legal or tax advice, it is important that clients consult their own investment, legal and tax professionals about their specific financial situations.}

_{Insurance and Annuities are: Not a Deposit | Not Insured by any Federal Government Agency | Have no Bank or Credit Union Guarantee | Not FDIC/NCUA Insured | May Lose Value}