Protective Smart Saver Fixed Annuity
Tax-deferred growth and security, with the added flexibility of contributing additional premiums during the first contract year
Why Protective Smart Saver Fixed Annuity?
Your clients can build tax-deferred growth with this limited flexible premium deferred fixed annuity
Tax-deferred growth
Competitive rates
Flexibility up front
*Withdrawals made prior to age 59½ may be subject to an additional tax penalty.
Looking for a product available in New York?
The Protective® Smart Saver NY may be the right choice for your clients in New York
Learn more about Smart Saver

Return of purchase payment
Return of purchase payment automatically included at no additional cost, providing protection in the event of surrender of the annuity. Upon full surrender before starting annuity income payments your clients' purchase payments (less prior withdrawals or investment taxes, if applicable) will be returned.
Interest rate guarantee period
Features a choice of a 4, 5, 6 or 7-year interest rate guarantee period.


Identifying the right clients for this product
Protective Smart Saver Fixed Annuity offers guaranteed and steady income designed to last a lifetime, regardless of how markets perform. Consider sharing this product with your clients who meet one or more of the following criteria:
- Interested in a money back guarantee
- Wants competitive interest rates
- Would like a choice of 4-7 year interest rate guarantee periods
Ready to work with us?
The first step in doing business with Protective is getting appointed. Learn about our simple, three-step process.
For Financial Professional and Plan Sponsor Use Only. Not for Use With Consumers.
This is a summary of product features. Please consult the contract for a complete explanation of benefits, limitations and exclusions.
The Protective Smart Saver fixed annuity is a fixed, limited flexible premium, deferred annuity contract issued under policy form series LDA-P-2014 (PLICO) and LDA-A-2014 (PLAIC) and state variations thereof. Product features and availability may vary by state. Copyright © 2017 Chase Insurance. All rights reserved.
The Protective Smart Saver fixed annuity is a fixed, limited flexible premium, deferred annuity contract issued under policy form series LDA-P-2014 (PLICO) and LDA-A-2014 (PLAIC) and state variations thereof. Product features and availability may vary by state. Copyright © 2017 Chase Insurance. All rights reserved.