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Protective Income Creator Fixed Annuity

Leading up to retirement, your clients want to increase their savings to prepare for future expenses. But market declines can impact their investments. With Protective® Income Creator Fixed Annuity, your clients have the opportunity to safely grow their contract value without the fear of market drops. Contracts earn a competitive interest rate, guaranteed for the entire seven-year initial period. 
Guaranteed interest

After the initial guarantee period, the contract automatically renews for one year. The new interest rate is guaranteed for that one-year period and withdrawal charges will no longer apply.

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Flexible income options

Several options available for those who choose to annuitize their contract, from lifetime income to specific term.

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Emergency access

Access money in case of unexpected circumstances with waivers that cover conditions like unemployment or terminal illness.*

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*The Unemployment Waiver is not available in all states. State variations may apply.
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Why Protective Income Creator Fixed Annuity?

Find out how Protective Income Creator Fixed Annuity is designed to create a guaranteed income stream your clients can’t outlive.
Guaranteed interest rate
A competitive interest rate guaranteed for the initial 7-year period.
Penalty-free access to funds
Ability to withdraw 10% of the purchase payment during the first contract year with no withdrawal charge.
Death benefit protection
Includes a death benefit at no additional cost. Beneficiaries receive full amount of the contract value minus any applicable premium tax.
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Welcome to Protective

Before entering the site, please confirm that you are currently licensed to sell life insurance and/or annuities.

For Financial Professional and Plan Sponsor Use Only. Not for Use With Consumers.


Protective® is a registered trademark of Protective Life Insurance Company. Income Creator is a trademark of Protective Life Insurance Company. Annuities are long-term insurance contracts intended for retirement planning.

Protective Income Creator Fixed Annuity is a fixed, single premium, deferred annuity contract with a limited market value adjustment, issued under contract form series LDA-P-2013. The Lifetime Income Benefit is provided under rider form series LDA-P-6054. Protective Income Creator is issued by Protective Life Insurance Company located in Nashville, TN.

Contract form numbers, product availability and features may vary by state. All payments and guarantees are subject to the claims-paying ability of Protective Life Insurance Company.