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Protective Asset Builder Indexed Annuity

Give clients the growth choices they want, with the downside protection they need.
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Grow retirement assets even during uncertain times

Protective® Asset Builder Indexed Annuity is a straightforward, accumulation-focused solution with diverse allocation options specifically designed for retirement savings growth and principal protection. This can be a good choice for clients who are interested in safely growing their retirement assets based on the upside potential of diverse allocation options.
Options for growth optimization
Clients can optimize growth with four different strategies and an exclusive index offering.
Downside protection
Despite market fluctuations, contract value is protected so clients won’t lose money due to market downturns.
Avoid a rate cap
Give clients more growth potential using a two-year participation and spread crediting strategy with no rate cap.

See how it works

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Why Protective Asset Builder Indexed Annuity?

A straightforward, accumulation-focused solution with diverse allocation options and emergency access
4 crediting strategies
This product allows for opportunities for growth in a variety of market scenarios. This is possible with four interest crediting strategies, three of which are linked to the performance of a market index.
Core and reserve portfolio
The index associated with this product's 2-year interest crediting strategy adjusts allocations to one of two portfolios: Core (U.S. equities, international equities, commodities, real estate and U.S. treasuries) and Reserve (gold and U.S. treasuries) based on trends and market signals to protect from loss.
Access to funds in critical situations
Access to contract value without withdrawal charge or a market value adjustment to help with unforeseen circumstances such as required nursing facility care, terminal illness or unemployment.*
* Assumes all qualifications are met, may not be available in all states and state variations may apply.
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Identifying the right client for this product

Protective’s Asset Builder Indexed Annuity is a good option for estate builders who demonstrate a more sophisticated understanding of the market. Consider sharing this product with your clients who meet one or more of the following criteria:

  • Is accumulation a primary driver while principal protection is still a concern?
  • Are they looking for a higher yield without being too invested in equities?
  • Does the client have a portfolio with a large bond exposure?
  • Would they ask me a more informed question like, “What if interest rates rise?”
  • Does the client have any CDs or other fixed investments?
  • Does the client have a fairly diversified portfolio already? Would they understand this approach?


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Ready to work with us?

The first step in doing business with Protective is getting appointed. Learn about our simple process to get you started.

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

Protective Life sets interest rates at its sole discretion and cannot guarantee or predict future interest rates.

All non-guaranteed components of the indexing formula may change and could be different in the future. Indexed interest could be less than that earned in a traditional fixed annuity, and could be zero. For product details, benefits, limitations and exclusions, please consult the contract, product guide and disclosure statement. These documents describe the terms and conditions that control the insurance company’s contractual obligations.

Annuities are long-term insurance contracts intended for retirement planning.

Protective Asset Builder is a limited flexible premium deferred indexed annuity contract issued under policy form series FIA-P-2011 or FIA-P-2010. Protective Asset Builder is issued by Protective Life Insurance Company located in Nashville, TN. Policy form numbers, product availability and features may vary by state.

Protective Asset Builder is not an investment in any index, is not a security or stock market investment, does not participate in any stock or equity investment, and does not contain dividends.