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Protective Smart Saver Fixed Annuity

Tax-deferred growth and security, with the added flexibility of contributing additional premiums during the first contract year
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Why Protective Smart Saver Fixed Annuity?

Your clients can build tax-deferred growth with this limited flexible premium deferred fixed annuity
Tax-deferred growth
Money grows tax-deferred, requiring no federal or state tax payments until a withdrawal is made.*
Competitive rates
Earns a competitive interest rate, guaranteed for the duration of the interest rate guarantee period, from 4-to-7 years.
Flexibility up front
Clients may contribute additional premiums during the first contract year and earn the guaranteed rate.
*Withdrawals made prior to age 59½ may be subject to an additional tax penalty.
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Looking for a product available in New York?

The Protective® Smart Saver NY may be the right choice for your clients in New York
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Learn more about Smart Saver

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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.
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Interest rate guarantee period
Features a choice of a 4, 5, 6 or 7-year interest rate guarantee period.
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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
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The first step in doing business with Protective is getting appointed. Learn about our simple, three-step process.
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Welcome to Protective

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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.