Today’s seniors are living longer, and that added longevity is putting stress on even the most carefully considered retirement plans.

It’s the kind of added stress that can easily creep up, especially for those who don’t expect to live past age 90. There’s a 50% chance that one partner in a 65-year-old couple will live to age 93.1 And, the surviving spouse could face a $135,000 income gap with just three unplanned years in retirement.2

Understanding how to fund retirement beyond life expectancy can feel like a guessing game for clients. Do I have enough money saved? What changes should I make today so I don’t outlive my money? What solutions are out there to ensure my retirement income lasts?

That’s why clients look to you for solutions to plan effectively for life’s uncertainties. Protective Life offers resources to help you navigate these important conversations and present income-focused solutions, like Protective® Guaranteed Income Indexed Annuity.

Protective Guaranteed Income Indexed Annuity offers powerful guarantees fueled by opportunities for benefit base bonuses, an annual roll-up, competitive withdrawals and an uncapped interest crediting strategy to help clients achieve the retirement they envision with steady and predictable lifetime income.

You can help seniors plan smarter by starting conversations about the need for guaranteed income. Here’s a strategy to help you get started:

  • Customize and share this video to educate clients about life expectancies and longevity risk.
  • Then, use this flyer to show them how a Protective Guaranteed Income Indexed Annuity offers steady lifetime income to meet their needs.

Let’s deliver on our promises. Together.

For Professional Use Only. Not for Use With Consumers.
1LIMRA Secure Retirement Institute. The Retirement Income Reference Book- Fourth Edition. 2018.
2Calculated by Protective Life using data from Bureau of Labor Statistics, Consumer Expenditure Survey 2016, April 2018. The average annual expenditure for age 65+ is $45,756.
Protective Guaranteed Income is a limited flexible premium deferred indexed annuity contract with a limited market value adjustment issued under contract form series FIA-P-2010 and FIA-P-2011.
The Guaranteed Income Benefit is issued under rider form series FIA-P-6048. Protective Guaranteed Income is issued by Protective Life Insurance Company located in Brentwood, TN. Policy form numbers, product availability and features may vary by state.
Indexed annuities are 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.

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