The Protective ProSaver Platinum is also a fixed deferred annuity. This means the actual amount you receive may be less (or more) than the amount you withdraw, depending on whether the interest rate is higher (or lower) than what is was on the contract date. Small businesses are typically incorporated as pass-through entities, meaning that the business owners pay income taxes on the company profits rather than the company itself paying income tax. Protective Life is generally viewed positively in the eyes of the public. This means that you may get less (or more) than the amount you withdraw, depending on if interest rates are higher (or lower) on the day of the withdrawal compared to the contract date. Annuities come in different forms and with optional riders. Protective Life Insurance Company Response 07/20/2020 I am writing in response to your email dated July 16, 2020 addressed to Rich B***** regarding the above-referenced consumer. Fees for the SecurePay and SecurePay FX riders depend on when you add them (either when you purchase the contract or under the RightTime option, but, at most, range from 1.40% to 2.20%. Protective Insurance Company has been in the business of offering financial enhancement and protection for more than 110 years. For instance, even though you can lock into a set rate of interest for a chosen period of time, because interest rates have been so historically low throughout the past decade or so, it isn’t likely that the rate you get will allow you to meet, much less beat inflation. Sentinel Security Life (A.M. Best: B++) has the highest 7 … Your coverage . A free inside look at company reviews and salaries posted anonymously by employees. These range from 0.35% to 1.68%. Power 2019 U.S. Life Insurance Study. But, this is really only the case if the product fits in with your particular financial goals. Annuity riders may be available for an additional annual premium that can provide additional benefits and income guarantees. When your contract ends, you can withdraw your money, transfer it to a different guaranteed period or renew your contract for the same amount of time. In addition to in Birmingham, Protective Life has primary offices in Greenwood Village, Colorado; Pompano Beach, Florida; Bannockburn and Elgin, Illinois; Chesterfield, Missouri; Portsmouth, New Hampshire; Cincinnati, Ohio; and Brentwood, Tennessee. Life insurance coverage features Protective Life Insurance Overview: Financial Strength, Availability, and History. While you have been researching annuities on various online sources, you may have noticed that there are a fair amount of sites that tout just how great their annuities are by making some pretty bold claims about them, such as: But, as enticing as these claims might sound, it makes it even more important for you to verify that they are actually true before you commit to placing a large chunk of your retirement savings into such a product. The annuity also offers healthcare protection, where you can withdraw money with no surrender charges after the first anniversary if you or a spouse is diagnosed with a fatal condition or must enter a qualified medical care facility for 30 consecutive days. The minimum initial premium is $10,000, which is the minimum also for subsequent contributions. In 1927 the company merged with Alabama National Insurance Company, keeping the Protective name, and began acquiring other companies over the years. They are from: This annuity comes with a free death benefit. With that in mind, you need to learn as much as you possibly can about these products. If there’s any chance you may need to access the money before the contract matures, you may be better off with a certificate of deposit (CD). Today, the company is a wholly owned subsidiary of The Dai-ichi Life Insurance Company, Ltd. ©AnnuityGator. All names, marks, and materials that were used for this review are the property of their respective owners. We then applied relevant deductions and exemptions before calculating federal, state and local income taxes for each location. The company scored 10th out of 24 insurers evaluated. SmartAsset analyzed data to find the best places for small business owners in the country. They will kick in if you withdraw more than the allowed 10% each year. These depend on your investment level, and generally decline 1% every year. Protective Life Insurance Company REQUIRED CARRIER SPECIFIC TRAINING (CST) INSTRUCTIONS Annuity Carrier Specific Product Training and state mandated NAIC Annuity Training (see NAIC ANNUITY SUITABILITY AND BEST INTEREST STANDARD STATE TRAINING REQUIREMENTS for regulation) must be completed prior to soliciting business.Failure to do so will Protective Life Insurance Company Current as of September 30, 2020 Insurer financial strength ratings of A+ (Superior, 2nd highest of 15 ratings) from A.M. Best, AA- (Very Strong, 4th highest of 21 ratings) from Standard & Poor's, A+ (Strong, 5th highest of 22 ratings) from Fitch, and A1 (5th highest of 21 ratings) from Moody's Investor Services. Our review of Protective Life Insurance company reveals that it is an … If an insurance company is going to be making payments to you for your lifetime, you want to make sure its financial outlook is stable. If you want to lock into a set interest rate (for a set period of time), If you want to ensure that your principal is safe, If you plan to use the lifetime income feature, If you want the opportunity for a higher rate of return, If you may need to withdraw funds from the annuity during the surrender period, If you do not plan to use the lifetime income feature, In reality, the only way to truly know if this annuity will perform well for you is to have it tested. So, the Protective Life Indexed Annuity II does certainly provide some nice features. But there are fees for early withdrawals, called surrender charges. With this annuity, you have four payout options: to receive payments for a certain period, to receive payments for life and with a guaranteed period (if you die before the period is over, your beneficiary will receive payments until the period ends), to receive payments for life with an installment refund (should you die with a remaining balance, your beneficiary will receive payments until the balance has been paid out) or to receive payments for life with a cash refund. Surrender charges start at 9% and decrease 1% every year until the end of the contract. Protective Life and Annuity Insurance Company is active only in New York state, while the Protective Asset Protection Division primarily offers finance and insurance (F&I) products on automobile and marine purchases. Also, early withdrawals will be subject to a market value adjustment (MVA). We have been at this for quite a while not – far longer than our “copycat” competitors – and we have therefore become known as a highly trusted source of annuity information. There is also an unemployment should you or a spouse become unemployed. Additionally, withdrawals before age 59.5 may incur a 10% IRS penalty plus ordinary income tax. As of December 2019, Protective Life’s brochure describes the minimum interest rate as between 1% and 3%. Protective Insurance Company has been in the business of offering financial enhancement and protection for more than 110 years. The maximum issue age is 99. The Protective ProPayer Income Annuity is a single premium immediate annuity. This rate will likely keep you even with inflation. Reviews are posted at the request of readers so they could see an independent perspective when breaking down the positives and negatives of specific annuity contracts. Flexible premium deferred variable and fixed annuity. Additionally, there is an annual mortality and expense risk charge of 0.80% (of balance in the investment sub-account), total variable account annual expenses of 0.90% and a maximum annual premium based charge of 0.70%. This review is meant to be an independent review at the request of readers so that they may see our perspective when breaking down the positives and negatives of this particular annuity. Both waivers may not be available in some states. In reality, the only way to truly know if this annuity will perform well for you is to have it tested. All content is for educational purposes only. Contracts can be for five, seven or 10 years. For an additional cost, you can select a maximum anniversary value death benefit if you are younger than 76. But there are surrender charges for early withdrawals. Let’s begin the review of Protective Life Insurance by taking a look at the products they currently offer. Headquartered in Birmingham, Alabama, Protective Life offers many different annuity options. Term Life Insurance. Early withdrawals will also be subject to a market value adjustment (MVA). To know how much you can expect, use our. The return on money allocated to an indexed crediting strategy depends on the market, of course. The minimum purchase amount is $10,000, and you can make subsequent contributions of a minimum $50 within the next 12 months. If you are still leaning towards buying this annuity, though, then you can be sure that your principal will be safe, and that you will be able to count on a guaranteed income stream in the future. Education. If you have been thinking about purchasing an annuity so that you can get the tax-deferred benefits of having your money grow free of current taxation, and you would also like to assure yourself that you will have an ongoing income in retirement, then the Protective Life Fixed Deferred Annuity could be a good option for you. For more information on how to compare annuities in order to determine which one may be right for you, According to Protective Life, there are numerous. Protective Life Insurance Company was founded in 1907 by former Alabama Governor William Dorsey Jelks. Surrender charges are 9% the first two years and then decrease 1% every year after that, until the end of the contract. At Annuity Gator, we are a team of financial experts who are focused on providing very comprehensive and unbiased annuity reviews. The maximum issue age is 85 (you have to be younger than 86). The maximum surrender charge is 7%. Life insurance. One reason for this is because your principal will be safe – regardless of what happens in the market – while your funds grow and compound exponentially over time. Sources: Internal Revenue Service (IRS), US Census Bureau 2018 American Community Survey, Government Sources, SmartAsset, Bank of America® Travel Rewards Visa® Credit Card Review, Capital One® Quicksilver® Cash Rewards Credit Card Review, AIM Variable Insurance Funds (Invesco Variable Insurance Funds), Franklin Templeton Variable Insurance Products Trust, Legg Mason Partners Variable Equity Trust, Not sure whether an annuity is right for you? A financial advisor can help you with your risk management. 225 Protective Life reviews. IDI is the principal underwriter for registered insurance products issued by PLICO and PLAICO, its affiliates. If this is the first time that you have been to our website, please allow us to personally welcome you here. This review is meant to be an independent review at the request of readers so that they may see our perspective when breaking down the positives and negatives of this particular annuity. While getting your life insurance through your current employer may be a convenient option, it’s not without its drawbacks. This means that in exchange for a lump sum, you will receive periodic payments right away (or you can defer up to 12 months). As with the Plus version, there are no front-end or annual charges with this annuity. Also, investments of $100,000 or more may receive a 0.25% interest rate boost. The company was founded in 1907, and since that time, it has grown and expanded – adding a wide range of products and services. Product availability and features may vary by state. You can make subsequent contributions of at least $2,000. But if there’s a chance you’ll need the money within seven years, you may want to go with a certificate of deposit (CD) instead. However, if you do happen to still have any additional questions about this – or any other – annuity, then please feel free to contact us and one of our annuity experts can walk you through any of the questions or concerns that you have. Because of this, income taxes can play a major role in determining the financial success of a given small business. Protective Life & Annuity Insurance Company; West Coast Life Insurance Company; Lyndon Insurance Group, Inc. As of 2012, Protective is featured in the Fortune 1000 and the Forbes Global 2000 lists. This is an independent product review, not a recommendation to buy or sell an annuity. If you were to lose your job, you might lose that coverage. If an insurance or financial advisor is offering you the Fixed Deferred Annuity from Protective, then it is possible that he or she focused in on the fact that your principal will remain safe, and that you can obtain a set interest rate – and in turn, steady growth – going forward. As with the Plus version, you have five options for annuitizing: to receive income for life, to receive income for a set period of time, to receive income for life with a certain period guaranteed (if you die before then, your beneficiary will receive payments until the period ends), to receive income for life with a cash refund (if you die before your investment has paid out, your beneficiary will receive the remaining balance as a lump sum) and to receive income for life with an installment refund. Your factor will have seen and done it all before, and that they apprehend exactly whats vital to think about once browsing coverage options. In 2019, Protective Life made its 57th acquisition. However, even though this annuity might initially seem like it provides you with the best of all worlds, there are some other things that you need to consider, as you will have to incur certain “tradeoffs” in order to get these great benefits. Insurance and annuities are issued by PLICO in all states except New York and in New York by PLAIC. For complete information about the cookies we use, data we collect and how we process them, please check our, In this annuity review, we will be going over the following information about the Protective Life Fixed Deferred Annuity. But if there’s even a slight chance you’ll need to withdraw the money before the contract matures, you may be better off with a certificate of deposit (CD), which pays slightly less but also charges less for early withdrawals. Next, we compared the total amount of small business income to the overall amount of income reported in each region. No front-end or annual administrative or maintenance fees, No front-end or annual maintenance or administrative fees, Annual mortality and expense risk fee: 0.80%, Total variable account annual expenses: 0.90%, Maximum annual premium based charge: 0.70%. Read 40 Reviews Insurance company focused on retirement annuities. In order to be completely clear here, we want to convey that we feel annuities are able to provide investors with some very good benefits. Annuity product guarantees rely on the financial strength and claims-paying ability of the issuing insurer. Retirement. According to Protective Life, there are numerous benefits to owning a fixed annuity, such as: With the Fixed Deferred Annuity, you can earn a guaranteed rate of interest for a set period of time – and your principal is also guaranteed to be safe. Today, Protective is able to provide products in all 50 states. These three factors were then indexed and equally weighted to yield our small business index. According to Blueprint Income, a digital annuity marketplace, Protective is offering 2.45% on a 10-year contract (as of December 2019). Protective Life And Annuity Insurance Company - Comparing policy rates by yourself will be tricky and seriously long. That’s where having an Annuity Investigator who loves math comes in. Before purchasing any investment product be sure to do your own due diligence and consult a properly licensed professional should you have specific questions as they relate to your individual circumstances. For more information on how to compare annuities in order to determine which one may be right for you, click here to obtain our free annuity report. Penalty rates may be different for subsequent guaranteed periods. The minimum initial premium is $10,000. Protective Life is now the primary subsidiary of Protective Life Corporation, with other subsidiaries including Protective Life and Annuity Insurance Company, West Coast Life Insurance Comp… Protective Insurance Company has been in the business of offering financial enhancement and protection for more than 110 years.The company was founded in 1907, and since that time, it has grown and expanded – adding a wide range of products and services. Its other American subsidiary is DLI North America Inc. Your insurance agent will have seen and done it all before, and they recognize exactly what is vital to consider once browsing coverage options. Premiums can be as low as $50,000 and as high as $1,000,000. Protective Life Insurance Company has not endorsed this review in any way, nor do we receive any type of compensation for providing this review. This means your interest rate is locked in for seven years. This annuity is available with three more guaranteed period options than the Plus version: two, three, four, five, six, seven, eight, nine, 10 and 15 years. These options are also available for joint policies. This annuity also has a healthcare waiver that allows you to withdraw money without a penalty in the event you or a spouse are diagnosed with a terminal illness or must go to a qualified medical care facility (such as a nursing home) for at least 30 consecutive days. These financial products are able to keep your principal safe and also provide a set amount of growth – in any market or economic environment. The maximum issue age is 85. Any withdrawal before the first anniversary of the contract or that amounts to more than the earned interest during the prior year is considered early. Most plans come with yearly, no-penalty withdrawals. We can do this for you and can provide you with the results – at no charge or obligation. All Rights Reserved | Privacy Policy, Independent Review of the Minnesota Life SecureOption Focus Fixed Deferred Annuity, Independent Review of the Minnesota Life SecureOption Select Fixed Deferred Annuity, We use cookies to enhance your experience while using our website. The Protective Indexed Annuity has no front-end or administrative charges. In the event that you die before then, your beneficiaries will receive the greater of your contract value with no surrender charge and no market value adjustment (MVA) or the net contract value with a surrender charge and an MVA. Policy form number, product availability, and product features may vary by state. Protective Life was founded in 1907 in Birmingham, Alabama. If you annuitize after renewing three times (so after the 10th anniversary of the contract), you may receive a 2% bonus. These are all ideals that each and every Protective Life Insurance Company employee works tirelessly to uphold each and every day. At this rate, you may keep up with inflation. This means you can fund it with more than one deposit and allocate your money to an investment sub-account and a fixed interest account. It became a wholly owned subsidiary of the Dai-ichi Life Insurance Company, Ltd. in 2015. Another fixed deferred annuity, the Protective Secure Saver is a seven-year contract. There can be a long list of factors to consider before you commit to an annuity. Smart finances. Protective was founded in 1907 by the former governor of Alabama, William Jelks. You can choose a term length of 10, 20, or 30 years. Your email address will not be published. We also use content and scripts from third parties that may use tracking technologies. Opening Thoughts on the Protective Life ProSaver Secure ll Fixed Annuity. Protective Life Insurance Company is one of the top life insurance companies in the U.S.and offers some of the best term life insurance rates.. There’s also an unemployment waiver. The minimum initial deposit is $10,000. But if you withdraw any principal (you’re allowed to take out earned interest from the prior year), you’ll pay a surrender charge. Review your options and get smart about annuities. Nonsmokers: Current and former tobacco users will find Protective’s rates less competitive than other insurers. Unlike the other annuities in this article, the Protective Dimensions Annuity has an annual maintenance fee of $50 and an annual administrative charge of 0.10%. Protective and Protective Life refers to Protective Life Insurance Company (PLICO) located in Nashville, TN and its affiliates, including Protective Life & Annuity Insurance Company (PLAIC) located in Birmingham, AL. Additional deposits may be limited if you opt for certain riders. Now Protective Life Insurance Company has over $773.449 billion dollars of life insurance in-force with total revenues of $3.959 billion total annuities of $2.56 million. This, then, could have a major impact on your future purchasing power – and could even cause you to have to cut back on making purchases of the items and services that you need in the future. The maximum issue age is 85 years. Protective Life Insurance Company has not endorsed this review in any way, nor do we receive any type of compensation for providing this review. To determine income tax burdens across counties, we used the national median household income. That’s where the Annuity Gator comes in! This fee is 5% the first two years, and then decreases 1% every year till the end of the guaranteed period. (You may also be able to count on that for a loved one, as well, such as your spouse). To answer this question, we considered three factors: the proportion of people in a county with small business income, how much business income those people reported and the amount of tax a potential resident must pay on their income. The maximum issue age is 92. Protective Life & Annuity Insurance Company was established in 1978 as part of the Protective Life Insurance Group. There may be an inflation rider, which would come at an additional cost. While the company is licensed in multiple states, its primary function is to underwrite and issue Protective Life product offerings in the state of New York. But we would much rather provide too much detail than not enough. Blueprint Income. In J.D. Shoppers on a budget: Protective’s term and Custom Choice Universal Life products offer some of the lowest rates on the market. As of April 2019, Protective Life’s financial strength has been rated AA- (on a scale from D to AAA) by Standard & Poors, A1 (on a scale from C to Aaa) by Moody’s, A+ (on a scale from D to AAA) by Fitch and A+ (on a scale from D to A++) by A.M. Best. Protective ProSaver Platinum Plus is a fixed deferred annuity. That said, over the long term, you’ll likely do better than inflation - and then some. Protective offers some of the industry’s most affordable term life insurance rates and a policy that works in your favor. With the SecurePay FX rider, though, your benefit base may increase on the anniversary of your contract during a specified period even if your contract value has not increased. 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