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Protective Indexed Annuity II

Pair growth potential with predictability. This indexed annuity helps give clients the growth choices they want, with the downside protection they need.
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Grow and protect clients’ assets

Protective® Indexed Annuity II is designed for clients who are focused on principal protection, but also want access to opportunities for potentially higher growth rates than a traditional, fixed investment might offer. With three different index interest crediting strategies available, Protective Indexed II Annuity can help protect your clients’ assets. This solution can provide a guaranteed income that will last their lifetime, but also takes advantage of market-linked growth.
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Looking for a product available in New York?

The Protective Indexed Annuity NY may be the right choice for your clients.
Multiple crediting strategies
Options to manage growth and risk scenarios including a guaranteed rate cap for the term selected.
Extra safety net
Clients can include a guaranteed Return of Purchase Payments option.1
Optional income benefit
Enhanced benefit base growth opportunities along with protected lifetime income.
1 Contracts with this feature may earn a lower interest rate than those without it

See how it works

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Greater growth potential with a long-term rate cap
Protective's Indexed Annuity II offers a crediting strategy that can guarantee an interest rate cap for the withdrawal charge period. Your clients can have confidence in a longer-term growth plan without the worry of changing rate caps.
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Download a sales idea
Show your clients how the Indexed Annuity II can offer greater potential growth than a CD. This simple illustration also helps you compare the features of this annuity to typical CD features.
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Why Protective Indexed Annuity II?

You can help clients grow their retirement assets even during uncertain times with this fixed indexed annuity.
Asset preservation
Exercise the return of purchase payments option to surrender the contract and receive 100% of purchase payments, less any prior withdrawals or investment taxes, prior to annuitization.*
Protection for the unexpected
This product offers penalty-free access to money for nursing home stays, terminal illness or unemployment.**
Growth potential
Protective Indexed Annuity II offers growth potential based on the performance of the S&P 500 Index, credited annually.
*Contracts including this option will earn a lower interest rate than those without it.

**Assumes all qualifications are met, may not be available in all states, and state variations apply.

Identifying the right clients for this product

Protective Indexed Annuity II is designed for asset protectors, clients with a low tolerance for risk seeking market-linked growth opportunities. Consider sharing this product with your clients who meet one or more of the following criteria:
  • Seek opportunities for a guaranteed minimum rate of return
  • Worry about running out of money in retirement
  • Think asset preservation is more important than investment gains
  • Want to hedge against unexpected future expenses
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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.

The Protective Indexed Annuity II 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.


The Protective Indexed Annuity II is a limited flexible premium deferred indexed annuity contract with a limited market value adjustment, issued under policy form series FIA-P-2010 and FIA-P-2011. SecurePay SE is provided under form series FIA-P-6022. The Protective Indexed Annuity II is issued by Protective Life Insurance Company located in Nashville, TN. Policy form numbers, product availability and features may vary by state.