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Variable annuity optional protected lifetime income benefits

Optional protected lifetime income benefits may be added to variable annuity contracts for an additional fee to provide another layer of protection. Clients remain invested in the variable annuity with opportunities to capture market gains that can result in higher levels of income. Some even offer a specified level of benefit base growth, regardless of investment performance. Benefit withdrawals are guaranteed to last a lifetime.
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Why choose an optional protected lifetime income benefit?
  • Provides upside potential with downside protection
  • Provides a minimum growth rate, depending on the option chosen
  • Offers flexibility to structure when and how benefit withdrawals are received
  • Helps alleviate concern about outliving retirement income
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Consider these options and how they may meet your clients’ needs

Protective Income Manager
Protective Income Manager is a maximizing solution for greater flexibility and control with retirement income now. Clients have opportunities for rising income and flexible withdrawal amounts.
SecurePay 5
SecurePay 5 provides protected benefit base growth now with retirement income later. Clients take advantage of the compounding roll-up feature prior to starting benefit withdrawals.
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For financial professional use only. Not for use with consumers.

 

Investors should carefully consider the investment objectives, risks, charges and expenses of a variable annuity, any optional protected lifetime income benefit, and the underlying investment options before investing. This and other information is contained in the prospectuses for a variable annuity and its underlying investment options. Investors should read the prospectuses carefully before investing. Prospectuses may be obtained by contacting PLICO at 800.265.1545.