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Product Details
Secure Saver 5
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Product Name
Secure Saver 5
Annuity Type
MYGA
Issuing Insurance Company and Ratings
Protective Life Insurance Company
Ratings
Product Information
The Secure Saver 5 is a limited flexible premium differed fixed annuity with a 5 year surrender charge period and an MVA provision. The Secure Saver annuity offers competitive interest rates and three interest rate bands. This annuity also offers nursing home, terminal illness and unemployment waivers.
Key Features
Premium Types: 1st Year or Less
Minimum Premium: 10,000
Maximum Premium: 1,000,000
Free Look Period: 10 Days
Rate Lock Period: N/A
Tax-Qualified: IRA, NonQual, IRA-Roth, IRA Transfer, IRA Rollover
Rates
Effective Date: 31/03/2026
Initial Guarantee Period: 5 years
Next Change: N/A
Premium Amount: $100,000 - See Notes (High-Band)
3 Year Guarantee Period Annual Yield:
Interest rate start of year 1 through end of year 3:
Current
4.05%
4.05%
Premium Amount: $100,000+
Current
5 Year Guarantee Period Annual Yield:
$75,000 through $1,000,000%
Interest rate start of year 1 through end of year 5:
$75,000 through $1,000,000%
Accumulation Value (assuming no withdrawals)
Premium Amount: $50,000 - $99,999
Current
5 Year Guarantee Period Annual Yield:
$25,000 through $74,999%
Interest rate start of year 1 through end of year 5:
$25,000 through $74,999%
Accumulation Value (assuming no withdrawals)
Premium Amount: $25,000 - $99,999
Current
5 Year Guarantee Period Annual Yield:
$10,000 through $24,999%
Interest rate start of year 1 through end of year 5:
$10,000 through $24,999%
Accumulation Value (assuming no withdrawals)
Accumulation Value (assuming no withdrawals)
Deposit Amount: $
Premium Amount: $100,000 - See Notes (Low-Band)
Additional premiums are accepted during the first contract year.
Interest rate start of year 1 through end of year 3:
Current
4.05%
4.05%
Accumulation Value (assuming no withdrawals)
Deposit Amount: $
State Approvals
N/A
Withdrawal Provisions
First Year Withdrawals: 10%
Withdrawal Years 2+: 10%
Wait Period Interest Only : No Wait
Withdraw from the accumulation Value After : Immediately
Minimum Policy Value : –
Withdrawl Calculated On: Accumulation
Date For Calculation: Issue
Systematic Withdrawl: Yes
Min Withdrawl Amount: $100
Cumulative Free Withdrawl: No
Eligibility & Restrictions
Age Limits(Owner and Annuitant): 85
Premium Limits: Additional premiums are accepted during the first contract year.
State Restrictions: Not available in GU NY PR VI
