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Protective Smart Saver Fixed Annuity NY

Designed for customers in New York desiring tax-deferred growth, flexibility and security for their retirement funds
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Why Protective Smart Saver Fixed Annuity NY?

Find out how Protective® Smart Saver Fixed Annuity NY helps your New York clients build tax-deferred growth
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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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 NY 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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Ready to work with us?

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

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 and Protective Life refer to Protective Life and Annuity Insurance Company (PLAIC). Annuities are issued in New York by PLAIC, Birmingham, AL. Product guarantees are backed by the financial strength and claims paying ability of the issuing company.

Annuities are long-term insurance contracts intended for retirement.

The Protective Smart Saver NY fixed annuity is a fixed, limited flexible premium, deferred annuity contract issues under policy form series LDA-A-2014 and state variations thereof. Product features and availability may vary by state.