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Product Details
Protective Income Builder
Company social profile:
Product Name
Protective Income Builder
Annuity Type
FIA
Issuing Insurance Company and Ratings
Protective Life Insurance Company
Ratings
Product Information
The Protective Income Builder is a Flexible Premium Deferred Indexed Annuity with a 7 year surrender charge period, multiple index crediting methods with fixed option, an MVA provision, and a choice of Rising Income or Level Income options for the Guaranteed Income Benefit (with charge).
Key Features
Premium Types: 1st Year or Less
Minimum Premium: 25,000
Maximum Premium: 1,000,000
Free Look Period: 10 Days
Rate Lock Period: 60 Days
Tax-Qualified: IRA, NonQual, SEP IRA, IRA-Roth, IRA-Simple, IRA Transfer, IRA Rollover
Rates
Effective Date: 31/03/2026
Initial Guarantee Period: N/A
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%
Accumulation Value (assuming no withdrawals)
Deposit Amount: $
Premium Amount: $100,000 - See Notes (Low-Band)
Flex Premiums Permitted: 1st Year or Less
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 : 30 Days
Withdraw from the accumulation Value After : Immediately
Minimum Policy Value : $10,000
Withdrawl Calculated On: Accumulation
Date For Calculation: Issue
Systematic Withdrawl: Yes
Min Withdrawl Amount: $1,000
Cumulative Free Withdrawl: No
Eligibility & Restrictions
Age Limits(Owner and Annuitant): Owner: 85, Annuitant: 85
Premium Limits: Flex Premiums Permitted: 1st Year or Less
State Restrictions: Not available in GU NY PR VI
