• Income For Life



  • To learn more about available annuity options, call 1-844-733-5433.

  • Annuities from Protective Life

    At Protective Life, we offer a suite of annuities to help meet your particular financial goals in retirement. Whether you are currently retired, retiring soon or retiring years from now, you’ll discover a wealth of options to help secure your personal financial future.

  • Our annuities include enhanced income features, competitive fees and expanded investment options:

    • Fixed annuities with a variety of interest rate guaranteed periods and payout options.
    • Fixed indexed annuities with upside potential and downside protection.
    • Variable annuities with optional protected lifetime income benefits.
    • Immediate annuities for lifetime retirement income that can start today.

    Protect Tomorrow. Embrace Today.TM

    When you purchase an annuity for retirement, you begin a long-term relationship with a life insurance company. You want to be sure that company has the experience, character and strength to serve you now and in the future. You want to be confident that company will back its promises for the long term. Protective Life’s commitment to help you protect tomorrow is backed by more than 100 years of serving customers like you, as well as our financial strength and stability. Learn more.

    To learn more about available annuity options, call 1-844-733-5433. For more information on annuities, visit our learning center.






  • Variable annuities issued by Protective Life Insurance Company (PLICO) in all states except New York and in New York by Protective Life & Annuity Insurance Company (PLAICO). Securities offered by Investment Distributors, Inc. (IDI). All companies located in Birmingham, AL. IDI is the principal underwriter for registered insurance products issued by PLICO and PLAICO, its affiliates.

    As you determine what annuity might be right for you, remember they are intended as vehicles for long-term retirement planning, which is why withdrawals reduce an annuity’s remaining death benefit, contract value, cash surrender value and future earnings. Annuities also may be subject to income tax and, if taken prior to age 59 ½, an additional 10% IRS tax penalty may apply. Because Protective and its representatives do not offer legal or tax advice, it is important that you talk with your own legal and tax advisor about your specific tax situation.

    All payments and guarantees are subject to the claims-paying ability of the issuing insurance company.

  • What is an annuity?

    An annuity is a type of contract between you and a life insurance company. Designed for retirement planning, an annuity is one of the few investments that can provide a stream of payments for life.
    Annuity contracts are funded with a one-time purchase payment or a series of purchase payments, and there are many different types of annuities. Some begin annuity income payments immediately after purchase, while others first offer the potential to grow your retirement savings. Some offer a fixed rate of return, a variable rate of return based on market performance or a combination of both.
    Can I access my money?
    You can convert your contract value into a stream of guaranteed income payments. Many options are available so you can customize your annuity income payments to meet your unique needs, including choices about when the payments begin, how frequently they are paid and how long they last. They can even be guaranteed for life, or for the lifetime of you and your spouse.
    Certain types of annuities may offer additional liquidity, generally governed by a surrender charge. A surrender charge is a fee you pay to the life insurance company if you withdraw money or cancel your contract within a specified number of years. Once this surrender charge period ends, you may withdraw money without a fee.
    Some annuities offer penalty-free withdrawals, even during the surrender charge period. The amount is usually stated as a percentage of the contract value or as earned interest.
    Annuities and your retirement.
    There are a variety of products, investments and strategies that can be used and combined to create a unique strategy to meet your personal retirement savings and retirement income needs. An annuity is one such product. Protective Life recommends you seek the advice of a qualified financial advisor who can help you better understand the available options and which may be most suitable for you.