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Protective Income Builder Indexed Annuity

Helping you manage retirement risks like market volatility, Protective® Income Builder Indexed Annuity offers growth and guaranteed lifetime income.
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Benefits of Protective Income Builder

Even in the face of retirement risks like market volatility and running out of money, Protective Income Builder Indexed Annuity with the Guaranteed Income Benefit is a retirement planning solution that may help your clients grow assets, create a guaranteed income stream for life and develop a flexible plan that’s conducive to change. Policy owners have the opportunity to customize allocations among offered interest crediting strategies to grow contract value for future expenses.
High guaranteed income opportunity
Income Builder offers an 8% simple interest benefit base rollup and competitive withdrawal rates.
Protection for the unexpected
Access to a portion of funds in the event your client or their spouse become unemployed, terminally ill or are confined to a nursing facility*
Creates lifetime income
Regardless of the payout option chosen, this annuity guarantees an income stream for life.
*Certain qualifications must be met to receive these benefits.

See how it works

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Why Protective Income Builder Indexed Annuity?

For clients seeking protected asset growth opportunities along with guaranteed income protection in retirement, this annuity offers growth with flexibility:
Two choices for lifetime income
Clients can choose the level income option or the rising option, in which income begins and rise until the contract value reaches $0 due to benefit withdrawals or they reach age 95, whichever is first. Then, income remains level for a lifetime.
2-year participation and spread indexed strategy
Uncapped, tracks exclusive Citi Flexible Allocation 6 Excess Return Index, which offers volatility control.*
Rate cap for term indexed strategy
Strategy offering a rate cap guaranteed for the length of the withdrawal charge period.
*Rates are declared every two weeks and may change without prior notice. Depending on market conditions, rates may change more frequently.


Manage retirement risks with a guaranteed income plan

Protective Income Builder can help build confidence in a client’s retirement plan. See how much guaranteed income this Fixed Indexed Annuity offers clients with our interactive calculator.
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Identifying the right client for this product

Built for clients who are concerned about running out of money during retirement, Protective Income Builder Indexed Annuity offers predictable, guaranteed income for life. These clients may also desire the flexibility to choose the level or rising income option level once they are ready for retirement. Consider sharing this product with your clients who meet one or more of the following criteria:

  • Do guarantees appeal to them?
  • Do they need a predictable plan for income so they know exactly what to expect?
  • Do they value having the flexibility to adjust if plans change?
  • Do they have longevity on their side?
  • Are they concerned about hedging against inflation?
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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.

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

Protective Income Builder is a limited flexible premium deferred indexed annuity contract issued under policy form series FIA-P-2011 or FIA-P-2010. The Guaranteed Income Benefit is provided under form series FIA-P-6048. Protective Income Builder is issued by Protective Life Insurance Company located in Nashville, TN. Policy form numbers, product availability and features may vary by state.

Protective is a registered trademark of Protective Life Insurance Company and Income Builder is a trademark of Protective Life Insurance Company.

Protective Income 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.