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Fixed annuities

Designed to offer guaranteed growth and income, cross selling a fixed annuity could help your conservative clients feel more secure about their plans for retirement.

Why a fixed annuity?

When your clients need predictability and protection to feel confident about retirement, consider these benefits of a fixed annuity: 
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Guaranteed growth rate
Fixed annuities offer clients' a guaranteed fixed rate of return for a specific number of years.
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Protection from market downturns
With a guaranteed rate of interest, clients’ principal is protected and they don’t have to worry about losses due to poor market performance.
Protected lifetime income benefits
Some fixed annuities may offer protected lifetime income benefits that deliver a reliable stream of retirement income that your clients' can’t outlive. 
Efficient transfer of wealth
A death benefit is available at no additional cost and helps clients avoid the complications and delays associated with probate.
How fixed annuities work
A fixed annuity simply pays a guaranteed rate of interest on purchase payments and later provides a guaranteed income stream for retirement or a death benefit.  
A chart explaining how a fixed annuities work.
Consider a fixed annuity for a client who:
  • Is focused on protecting assets
  • Has a low-risk investment profile
  • Has money held in cash savings accounts, money markets, or CDs
Couple meant to represent the ideal clients for a fixed annuity meeting with financial professional.

Explore our fixed annuity options

Find out how our fixed annuity products can help clients who are less comfortable with risk feel more secure about their retirement plans.
Retired couple pauses during a bike ride to take a selfie happy knowing their income is protected with Protective Income Creator Fixed Annuity.
Offer predictable income
Help clients create a guaranteed stream of retirement income with a fixed annuity designed to deliver:
  • Competitive withdrawals at any age
  • Protection and access to funds
Explore Protective Income Creator
Grandmother, who represents a potential Protective Secure Saver fixed annuity customer, reviews recipe while cooking with daughter and granddaughter.
Grow and protect assets
Help customers reliably grow and secure contract value with a fixed annuity that offers:
  • Guaranteed 5- and 7-year rates
  • Protection and access to funds
See Protective%%®%% Secure Saver fixed annuity
A woman reviewing Protective Smart Saver NY with her financial professional.
Protect assets and liquidity
Help clients with liquidity concerns safely grow assets with a fixed annuity that provides:
  • Guaranteed 5- and 7-year rates
  • Penalty-free access to money1
See Protective Smart Saver NY fixed annuity

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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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Annuities are long-term insurance contracts intended for retirement planning.

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