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Protective%%®%% Indexed Annuity II

Help equip your clients for a secure retirement. This indexed annuity offers lifetime income and opportunities for high returns based on market index performance.

Why Protective Indexed Annuity II?

Protected, index-linked growth
Offer growth potential based on index-linked performance with protection from market downturns.
Guaranteed income
Help clients cover essential expenses with a stream of guaranteed retirement income for life.
Access to funds
Prepare clients for the unexpected with penalty-free access to money in the event of unemployment, terminal illness or a nursing home stay.

Product snapshot

Get a quick profile of Protective Indexed Annuity II and how it works to protect retirement growth and income.

Consider this product for a client who:

  • Is focused on protection
  • Has a conservative to moderate risk profile
  • Wants opportunities for higher growth rates than what a traditional, fixed investment might offer
  • Doesn't want to lose access to their principal
  • Would like access to cash for emergencies
  • May have a CD

Man, who represents potential Protective Indexed Annuity II client, plays with his granddaughter.

Key product specs

  • Issued ages 0-85 for non-qualified contracts, 18-85 for qualified contracts
  • Investment amounts from $10,000 — additional premium allowed in the first contract year
  • Rate cap guaranteed for the duration of the withdrawal charge period
  • A return of purchase payment option
Download full details
Person reviewing key features of the Protective Indexed Annuity II.

Optional protected lifetime income benefit%%1%%

  • Guaranteed annual benefit base growth, with a 7% simple interest rollup for up to 10 contract years
  • Opportunities to enhance income with interest crediting strategy gains
  • Lifetime retirement income with guaranteed annual withdrawals, available on a single or joint life basis
Download SecurePay SE brochure
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Built-in benefits and waivers

  • Contract Value standard death benefit for efficient transfer of wealth
  • Nursing facility confinement/terminal illness condition waiver (owner or spouse) that allows the withdrawal of all or a portion of the contract value2
  • Unemployment waiver that permits the withdrawal of all or a portion of the contract value with no withdrawal charge if either owner or spouse becomes unemployed2
Couple sits on sofa to review the built-in features of the Protective Indexed Annuity II.
Illustration of a person pointing out Protective Indexed Annuity II’s current and future fixed annuity rates.
Check current rates
Be sure to confirm our current and future rates for the fixed and indexed interest crediting strategies, which we set every two weeks. Rates may change without notice and, depending on market conditions, may be set more frequently.
View current rates
View future rates

Helpful resources

Cover of the Protective Indexed Annuity II product profile brochure.
Introduce clients to this solution
Download brochure
Cover of the SecurePay SE benefit guide.
Give clients an overview of the SecurePay SE benefit
Download fact sheet

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A financial professional using a laptop to check on the status of her client's claim with Protective.
Support an annuity claim

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

Before entering the site, please confirm that you are currently an authorized financial professional.

1 Available at issue, the annual cost is 0.85% of the benefit base amount.

2 Assumes all qualifications are met, may not be available in all states and state variations may apply.

The Protective Indexed Annuity II is a limited flexible premium deferred indexed annuity contract with a limited market value adjustment, issued under policy forms FIA-P-2010 and FIA-P-2011, and state variations thereof. For Idaho, the contract form number is ICC15-FIA-P-2011. SecurePay SE is provided under rider policy forms FIA-P-6043 and FIA-P-6024, and state variations thereof. For Idaho, the rider form number is ICC16-FIA-P-6043. The Protective Indexed Annuity II is issued by Protective Life Insurance Company located in Nashville, TN. Policy form numbers, product availability and features may vary by state.

Protective Indexed Annuity II is not an investment in any index, is not a security or stock market investment, does not participate in any stock or equity investment, and does not contain dividends.

WEB.5935576.08.24