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Protective%%®%% Income Creator fixed annuity

Help clients safely grow their money and maximize a protected income stream with Protective Income Creator fixed annuity with the lifetime income benefit. Use the calculator below to see how a one-time investment can generate double the income over your lifetime.

Why Protective Income Creator fixed annuity?

Maximizes guaranteed income
Competitive withdrawals at every age with the opportunity for 2x the return in guaranteed lifetime income.
Protects against the unexpected
Principal and income protection with access to money for added flexibility for unanticipated costs.
Balances simplicity and affordability
Simple, cost-effective design that's easy for clients to understand.
How Protective Income Creator fixed annuity creates income that lasts
Watch this short video to learn how a source of guaranteed lifetime income can fit into a client’s broader retirement strategy.
Screen capture from a video that explains how Protective Income Creator Fixed Annuity provides a Lifetime Income Benefit.

Product snapshot

Get a quick profile of Protective Income Creator fixed annuity and how it helps conservative clients prepare for retirement with more confidence.

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
Potential clients 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 50 to 80 years old
  • 7-year initial guarantee period
  • Maximum annuitization age is 95
Download full details
A couple share a hug knowing they're protected with 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
An older couple happy they’re protected from unexpected life changes with Protective Income Creator fixed annuity.
Female financial professional viewing lifetime income withdrawal rates on a laptop.
Check out our lifetime income withdrawal rates
Use our rate sheet to review the annual withdrawal percentages for single-life or joint-life options and help clients determine their guaranteed lifetime income potential.
View payout guide

Helpful resources for Protective Income Creator fixed annuity

Ready to help your clients protect and maximize their retirement income using this solution? Download these resources to support your conversations.
The cover of the Protective Income Creator fixed annuity product profile.
Show clients how this product could fit into their overall financial plan
Download product profile
The cover of a flyer 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 rate table
Cover of current guaranteed minimum interest rate flyer.
Check out current interest rates
View current rates
Cover of future guaranteed minimum interest rate flyer.
Check out future interest rates
View future rates

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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 by PLICO in all states except New York under policy form LDA-P-2013. The Lifetime Income Benefit is provided under rider LDA-P-6054 and state variations thereof. Policy form numbers, product availability, and product features may vary by state. Protective Income Creator fixed annuity is issued by Protective Life Insurance Company (PLICO) located in Omaha, NE. All payments and guarantees are subject to the claims-paying ability of Protective Life Insurance Company.

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