Aspirations_Digital_Kit_2023

Are your preferred variable annuities designed to offer the highest guaranteed income for life? Protective ® Aspirations Variable Annuity is. Protective refers to Protective Life Insurance Company. For Financial Professional Use Only. Not for Use With Consumers. Not FDIC/NCUA Insured Not Bank or Credit Union Guaranteed Not a Deposit Not Insured By Any Federal Government Agency May Lose Value

For Financial Professional Use Only. Not for Use With Consumers. 2 Clients rely on you to provide strategies to help protect their unique aspirations for retirement, and an important objective of that plan is helping to secure lifetime income they can’t outlive. That’s why Protective ® Aspirations variable annuity was designed to help clients achieve the highest guaranteed income in retirement while giving your clients the control and flexibility they need to help them actually reach their goals. With tax-deferred growth potential and a choice of flexible options for lifetime income and legacy protection, this highly-competitive income solution complements your clients’ portfolios while adding more security and protection to their retirement aspirations. Because everyone should retire with confidence. Saving for retirement is only half the battle

3 For Financial Professional U se Only. Not for U se With Consumers. Everything you need to help protect your clients’ retirement goals • Asset protection and growth potential • Lifetime income • Wealth transfer Holistic approach to retirement • Over 90 investment options from industry leading fund managers spanning a broad range of asset classes • Tax-deferred growth potential Competitive investment lineup • Offers the choice of two optional protected lifetime income benefits • SecurePay Protector SM benefit offers a 5% guaranteed annual compounded growth rate, with the opportunity for additional growth by capturing annual market gains. • SecurePay Investor SM benefit is a cost-effective solution that offers access to world class investment options and the ability to lock in investment gains annually. • Choose single or joint when income starts. • Both options include the SecurePay Reserve SM benefit which provides the flexibility to defer up to 3x the AWA for use at a later time. Income flexibility Multiple death benefit options to fit your clients’ unique needs. Maximum Quarterly Value death benefit option increases the contract value and can be locked in each quarter. Enhanced legacy planning Dedicated team of specialists, programs and tools that can help you serve your clients and attract new ones Your sales team Contact us

For Financial Professional Use Only. Not for Use With Consumers. 4 Client profile For clients (ages 0-85) looking for investment growth potential, lifetime income and legacy planning solutions Cost • Mortality and expense risk and administration charge: 1.20% • Contract maintenance fee: $35 Free withdrawals During the first contract year, contract owners can withdraw 10% of the initial investment without a surrender charge. After Year 1, the greatest of: 1) Earnings as of prior anniversary or 2) 10% of cumulative Purchase Payment as of prior anniversary or 3) 10% of contract value as of prior contract anniversary. Withdrawal charges 7 Years — 7%, 6%, 6%, 5%, 4%, 3%, 2% Death benefit options Standard death benefit: Contract value Investment growth potential Over 90 fund investment options from top fund managers Lifetime income options SecurePay Protector Benefit SecurePay Investor Benefit 5% compounding rollup and annual step-ups Annual step-ups 1.40% (1.50% RightTime) as a percentage of benefit base 0.50% (0.60% RightTime) as a percentage of benefit base Chose single or joint when income starts SecurePay Reserve: Ability to defer up to 3x AWA during retirement SecurePay NH: Double withdrawal percentage up to 10% for up to 5 years as a result of 90-day nursing home stay Available ages 55-85 Product specifications at a glance Availability ages Contract value lock-in Cost Standard Contract Value death benefit 0-85 N/A Included Return of purchase payments 0-85 N/A 0.20%* (annualized) Maximum Anniversary Value death benefit 0-77 Annually 0.35%* (annualized) Maximum Quarterly Value death benefi t 0-77 Quarterly 0.40%* (annualized) * Less an adjustment for each prior withdrawal.

5 For Financial Professional Use Only. Not for Use With Consumers.

For Financial Professional Use Only. Not for Use With Consumers. 6 Investment options from leading fund managers

7 For Financial Professional Use Only. Not for Use With Consumers. Investment management With a variable annuity from Protective, you can diversify your investments among several options from established fund managers. We select each fund manager for their high level of professional credentials and experience. They’re responsible for implementing each respective investment option’s strategy and managing its portfolio trading activities. Tax-free transfers among the various investment options may help maintain your preferred level of diversification. Certain limitations apply, so please see the product prospectus for more information. Diversification neither assures a profit nor eliminates the risk of experiencing investment losses. See our investment options Protective Aspirations Variable Annuity offers over 90 investment options from leading fund managers allowing you to build diversified portfolios that align with your clients’ goals. Learn more

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9 For Financial Professional Use Only. Not for Use With Consumers. Curious which rider fits best with your clients’ unique retirement goals? Download this quick guide. Download guide • Guaranteed annual 5% compounding benefit base growth • Annual step-ups can capture positive market performance and grow clients’ benefit base • Competitive, age-based withdrawal rates provide protected lifetime income Maximize and protect retirement income with SecurePay Protector benefit Is your client a protector or investor? Whether your client needs protected lifetime income during retirement, or they’re looking to safeguard their market gains and maximize their savings – the optional lifetime income benefits available with Protective ® Aspirations variable annuity can help. Protector or • 100% subaccount investment flexibility in quality investment options • Cost-effective growth potential • Opportunities to lock in market gains with annual benefit base step-ups Maximize growth potential with SecurePay Investor benefit Investor Allocation of Purchase Payments or Contract Value to the Fixed Account is not permitted under the SecurePay Investor or SecurePay Protector benefit.

For Financial Professional Use Only. Not for Use With Consumers. 10 The SecurePay Protector ℠ benefit offers a solution for clients who will rely on a guaranteed income stream, but still want the ability to capitalize on market-driven growth potential. SecurePay Protector benefit

11 For Financial Professional Use Only. Not for Use With Consumers. Prioritizes guarantees and growth Income now or later Seeks competitive withdrawal rates

For Financial Professional Use Only. Not for Use With Consumers. 12 SecurePay Protector benefit Maximize clients’ guaranteed income with benefit base growth, regardless of market performance. Highlights • 5% compounding roll-up available for 10 years or until withdrawal begin • Annual step-ups lock in investment growth with up to 80% equity exposure during accumulation • Age-based withdrawal rates • Choose single or joint withdrawals when income starts Issue ages 55-85 Annual costs At issue: 1.40% of benefit base (1.50% for RightTime) Guaranteed growth The benefit base will increase by the greater of a 5% compounding roll-up or the investment growth annually. This opportunity occurs on every contract anniversary until it has occurred 10 times or until the owner begins taking withdrawals. SecurePay Reserve feature Defer up to a cumulative total of three times (3x) your annual withdrawal amount for distribution later without penalty or impacting the benefit base. Included at no additional cost. SecurePay NH 1 Provides higher withdrawal amounts for owners receiving qualifying nursing home care. Withdrawal percentages can double, up to 10%, for 5 years as a result of a 90-day nursing home stay. Included at no additional cost. RightTime Flexibility to add an optional GLWB after contract issue for only 0.10% 1 SecurePay NH nursing home enhancement may not be available in all states and may not be available with new contracts in the future. To qualify for SecurePay NH, the client must: Be confined to a qualified nursing care facility; be unable to perform two out of six specified Activities of Daily Living or be diagnosed with a severe cognitive impairment; have not been in a nursing home one year before and after purchasing an optional protected lifetime income benefit. Proof of continued qualification is required for each contract year in which this benefit is claimed.

13 For Financial Professional Use Only. Not for Use With Consumers. SecurePay Protector benefit withdrawal rates (Effective October 3, 2022) WD Age Single WD Rates Joint* WD Rates 59.5-60 4.50% 4.00% 61 4.80% 4.30% 62 5.10% 4.60% 63 5.40% 4.90% 64 5.70% 5.20% 65 6.00% 5.50% 66 6.05% 5.55% 67 6.10% 5.60% 68 6.15% 5.65% 69 6.20% 5.70% WD Age Single WD Rates Joint* WD Rates 70 6.25% 5.75% 71 6.30% 5.80% 72 6.35% 5.85% 73 6.40% 5.90% 74 6.45% 5.95% 75 6.50% 6.00% 76 6.55% 6.05% 77 6.60% 6.10% 78 6.65% 6.15% 79 6.70% 6.20% 80 6.75% 6.25% WD Age Single WD Rates Joint* WD Rates 81 6.80% 6.30% 82 6.85% 6.35% 83 6.90% 6.40% 84 6.95% 6.45% 85 7.00% 6.50% 86 7.05% 6.55% 87 7.10% 6.60% 88 7.15% 6.65% 89 7.20% 6.70% 90-95 7.25% 6.75% *The joint rate is based on the age of the younger covered person. Do your go-to VAs keep clients in control of their retirement income when plans change? Protective ® Aspirations Variable Annuity does. Retiring early shouldn’t impact your client’s retirement income. That’s why Protective ® Aspirations variable annuity was designed to add more security to your clients’ income goals with guaranteed, age-based withdrawal rates.

For Financial Professional Use Only. Not for Use With Consumers. 14 Investing with the optional SecurePay Protector benefit Help clients customize a portfolio that aligns with their retirement strategy. Select from a blend of leading investment options or choose from preselected allocation options to simplify the process and leverage the power of tax deferral. Protective Life Dynamic Allocation Series portfolios to mitigate downside risk. American Funds Insurance Series ® for objective-based growth potential. Protective preselected allocation options for a turnkey approach. Allocation by Investment Categories (AIC) for enhanced flexibility.

15 For Financial Professional Use Only. Not for Use With Consumers.

For Financial Professional Use Only. Not for Use With Consumers. 16 AVAILABLE DURING ACCUMULATION Shifting aspirations from saving to living in retirement Your clients have different needs and face different challenges when saving for retirement versus living off their retirement savings. That’s why the options available in the accumulation phase are designed to help to provide growth opportunities for your clients’ assets based on market performance, while the ones available in the distribution phase are designed to make sure their income lasts for a lifetime. Allocation guidelines Category Minimum allocation Maximum allocation Conservative 10% 100% Moderate 0% 60% Aggressive 0% 40% Select from a blend: Allocating by investment category (AIC) During the accumulation phase, clients can build a diversified portfolio that meets their needs by participating in our AIC program. Each investment option has been assigned to an investment category based on risk. Clients may allocate to any investment option across the following categories, provided they follow the minimum and maximum allocation requirements as indicated in the chart.

17 For Financial Professional Use Only. Not for Use With Consumers. Conservative American Funds ® IS-The Bond Fund of America Fund (4) American Funds ® IS - US Gov Secs Fd Columbia VP Intermediate Bond 2 Columbia VP Limited Duration Credit 2 Fidelity ® VIP FundsManager ® 20% Portfolio Fidelity ® VIP Investment Grade Bond Port Goldman Sachs VIT Core Fixed Income Svc Invesco VI Government Securities II Invesco VI US Government Mny Ptf I Lord Abbett Series Short Duration Inc Pt PIMCO VIT Low Duration Adv PIMCO VIT Real Return Adv PIMCO VIT Short-Term Adv PIMCO VIT Total Return Adv Western Asset Core Plus VIT II Moderate American Century VP Balanced I American Funds ® IS - Asset Allocation Fund BlackRock 60/40 Trgt Allc ETF VI III BlackRock Global Allocation V.I. III Columbia VP Balanced 2 Columbia VP Strategic Income 2 Fidelity ® VIP Asset Manager Portfolio Service 2 Fidelity ® VIP Balanced Portfolio Service 2 Fidelity ® VIP Target Volatility Service 2 Franklin Income VIP 2 Goldman Sachs VIT Trd Driv Alloc Svc Invesco VI Balanced-Risk Allocation II Invesco VI Cnsrv Bal II Janus Henderson VIT Balanced Svc Lord Abbett Series Fd Bd Debenture Port Morgan Stanley VIF Core Fxd Inc II Morgan Stanley VIF Global Strategist II PIMCO Income Adv PIMCO VIT All Asset Adv PIMCO VIT Global Diversified Alloc Adv PIMCO VIT High Yield Adv PIMCO VIT Long-Term US Govt Adv Protective Life Dynamic Allc Ser ModPort Protective Life Dynamic AllcSerCnsrvPort Templeton Global Bond VIP 2 Aggressive AB VPS Growth and Income B AB VPS Large Cap Growth B American Funds ® IS - Cptl Wld Gr & Inc Fd American Funds ® IS - Global Growth Fund American Funds ® IS - Growth Fund American Funds ® IS - Growth-Income Fund American Funds ® IS - Intl Gr And Inc Fund American Funds ® IS - Washington Mutual Inv ClearBridge Variable Dividend Strat Port ClearBridge Variable Large Cap Gr Port Fidelity ® VIP FundsManager ® 85% Portfolio Fidelity ® VIP Health Care Portfolio Service 2 Fidelity ® VIP Index 500 Portfolio Service 2 Fidelity ® VIP Mid Cap Portfolio Service 2 Franklin Rising Dividends VIP 2 Goldman Sachs VIT Mid Cap Growth Svc Goldman Sachs VIT Strategic Growth Svc Invesco VI Comstock II Invesco VI Equity and Income II Invesco VI Growth and Income II Janus Henderson VIT Forty Svc Lord Abbett Series Dividend Growth Port Lord Abbett Series Fund Fdmtl Eq Port Protective Life Dynamic Allc Ser Gr Port T. Rowe Price Blue Chip Growth Port II The available investment options have been categorized for you: AVAILABLE DURING ACCUMULATION

For Financial Professional Use Only. Not for Use With Consumers. 18 Take a turnkey approach with preselected allocation options available with SecurePay Protector benefit Available during both accumulation and distribution, the SecurePay Protector benefit includes preselected allocations for a more simplified investment option. This approach still offers some customization based on your clients’ growth goals and investment risk tolerance. Equity Fixed Income Balanced Growth & Income Balanced Towards Growth Growth Growth Focus Income Focus Moderate Income Balanced Towards Income 80 % 20 % 70 % 30 % 60 % 40 % 50 % 50 % 40 % 60 % 30 % 70 % 20 % 80 % Target allocation AVAILABLE DURING ACCUMULATION AND DISTRIBUTION

For objective-based growth potential, explore American Funds Insurance Series ® pre-selected allocation options available with SecurePay Protector benefit Protective Aspirations variable annuity also offers pre-selected allocation options * featuring the American Funds Insurance Series. Each option blends individual funds within American Funds Insurance Series that can help meet your retirement goals. Target allocation Allocation Balanced 60 % 40 % Allocation Conservative 40 % 60 % Learn more about the available pre-selected allocation options here. Learn more AVAILABLE DURING ACCUMULATION AND DISTRIBUTION Global Balanced Porfolio 70 % 30 % U.S. Balanced Porfolio 70 % 30 % Equity Fixed Income 19 For Financial Professional Use Only. Not for Use With Consumers.

For Financial Professional Use Only. Not for Use With Consumers. 20 Help clients mitigate downside risk with Protective Life Dynamic Allocation Series portfolios Managed by Janus and sold exclusively by Protective, the Protective Life Dynamic Allocation Series can help you help clients remove the emotion from investing by the following rules-based process. How the portfolios work NOTE: For more complete information, please see the prospectus for the Protective Life Dynamic Allocation Series. Weekly, the process measures each asset class’s current price against a benchmark, which is the 252 day exponentially- weighted moving average. Based on the measure, a market signal is triggered, causing each equity allocation to either stay the same, or shift to or from short-term investments. If a shift is triggered, only 25% of the asset class’s target allocation is moved to and from short-term investments on a weekly basis. MOVE ACT MEASURE AVAILABLE DURING ACCUMULATION AND DISTRIBUTION

21 For Financial Professional Use Only. Not for Use With Consumers. Moderate Portfolio Conservative Portfolio Target allocation Equity 65 % 50 % Fixed income 35 % 50 % U.S. Large Cap Equity 26.00% 20.00% U.S. Small Cap Equity 9.75% 7.50% U.S.High Growth Equity 9.75% 7.50% U.K. Equity 6.50% 5.00% European Equity 6.50% 5.00% Japan Equity 3.50% 2.50% Asia Equity (excluding Japan) 3.50% 2.50% Fixed Income 35.00% 50.00% Total 100% 100% Available during ACCUMULATION Available during DISTRIBUTION AVAILABLE DURING ACCUMULATION AND DISTRIBUTION

The SecurePay Investor ℠ benefit offers a solution for clients who want to capture market gains and maximize their retirement income with a safety net of guaranteed income for life, should they need it later. SecurePay Investor benefit For Financial Professional Use Only. Not for Use With Consumers. 22

Income maybe Prioritizes investment flexibility Seeks growth potential 23 For Financial Professional Use Only. Not for Use With Consumers.

For Financial Professional Use Only. Not for Use With Consumers. 24 Highlights • Full access to the subaccount investment lineup • Annual step-ups lock in investment growth • Age-based withdrawal rates • Choose single or joint withdrawals when income starts Issue ages 55-85 Annual costs At issue: 0.50% of benefit base (0.60% for RightTime) SecurePay Reserve feature Defer up to a cumulative total of three times (3x) your annual withdrawal amount for distribution later without penalty or impacting the benefit base. Included at no additional cost. SecurePay NH Provides higher withdrawal amounts for owners receiving qualifying nursing home care. Withdrawal percentages can double, up to 10%, for 5 years as a result of a 90-day nursing home stay. Included at no additional cost. RightTime Flexibility to add an optional GLWB after contract issue for only 0.10% SecurePay Investor benefit Maximize growth potential with the optional SecurePay Investor benefit

25 For Financial Professional Use Only. Not for Use With Consumers. WD Age Single WD Rates Joint* WD Rates 59.5-60 3.00% 2.50% 61 3.10% 2.60% 62 3.20% 2.70% 63 3.30% 2.80% 64 3.40% 2.90% 65 3.50% 3.00% 66 3.60% 3.10% 67 3.70% 3.20% 68 3.80% 3.30% 69 3.90% 3.40% WD Age Single WD Rates Joint* WD Rates 70 4.00% 3.50% 71 4.10% 3.60% 72 4.20% 3.70% 73 4.30% 3.80% 74 4.40% 3.90% 75 4.50% 4.00% 76 4.60% 4.10% 77 4.70% 4.20% 78 4.80% 4.30% 79 4.90% 4.40% WD Age Single WD Rates Joint* WD Rates 80 5.00% 4.50% 81 5.10% 4.60% 82 5.20% 4.70% 83 5.30% 4.80% 84 5.40% 4.90% 85 5.50% 5.00% 86 5.60% 5.10% 87 5.70% 5.20% 88 5.80% 5.30% 89 5.90% 5.40% 90-95 6.00% 5.50% SecurePay Investor withdrawal rates (Effective July 11, 2022) * The joint rate is based on the age of the younger covered person.

Built-in options to prepare for the unexpected Clients want to be confident that their retirement goals are protected, no matter what life has in store. Start building confidence with a protected lifetime income stream that offers the control and flexibility you need to react to changes in your clients’ retirement plans. Available with both optional lifetime income benefits, Protective Aspirations variable annuity offers these thoughtful, value-added features to help clients who need more flexibility. For Financial Professional Use Only. Not for Use With Consumers. 26

27 For Financial Professional Use Only. Not for Use With Consumers. See additional features

For Financial Professional Use Only. Not for Use With Consumers. 28 Clients can adjust income as they see fit with the SecurePay Reserve Benefit The SecurePay Reserve benefit is included with the Protective Aspirations variable annuity optional protected lifetime income benefits — SecurePay Protector and SecurePay Investor. Clients can defer up to a maximum of three times their current annual withdrawal amount. When they’re ready to access their balance, they can withdraw up to the entire amount, plus the annual withdrawal amount available in the current year. Once your client begins taking income*, they may withdraw the full annual withdrawal amount from their contract each year, or choose to take a smaller amount and utilize the SecurePay Reserve benefit , which allows them to rollover the difference into subsequent years. In the following year(s), they can take all or a portion of their reserved amount until it is depleted . Once depleted, they may use the SecurePay Reserve Benefit to continue to defer payments. How the SecurePay Reserve benefit works *Applies to income benefit payments, not contract annuitization. Download

29 For Financial Professional U se Only. Not for U se With Consumers. Jane is a 65-year-old female who’s considering adding a variable annuity to her portfolio. After consulting with her financial professional, she invests in a Protective Aspirations variable annuity with the SecurePay Protector benefit . The chart below shows how Jane used the SecurePay Reserve benefit to support her income needs in retirement. This chart is hypothetical and for illustrative use only. It is intended solely to demonstrate the SecurePay Reserve benefit. The chart is not intended to forecast, imply or guarantee performance of any investment. Actual performance may vary. This hypothetical example assumes a 65 year-old female makes a single premium investment of $200,000 in Protective Aspirations variable annuity with the SecurePay Protector benefit selected at issue. There is no deferral period and she elects to begin taking her SecurePay Protector withdrawals at age 65 at a 6.00% withdrawal rate. She defers her annual withdrawal amount using the SecurePay Reserve feature at ages 72, 73, and 75 until her account reaches the maximum deferred amount. At age 76 she elects to take her full reserved amount plus her current year AWA. Once benefit withdrawals have begun, you may take less than the annual withdrawal amount and reserve the remainder for later. The reserve can be no larger than: 1) 3x the annual withdrawal amount or 2) the current account value. Withdrawals are taken from the reserve first, then the annual withdrawal amount. Actual amount withdrawn Annual withdrawal amount (AWA) Reserve amount 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 Jane withdraws the full reserve amount (3x her annual withdrawal amount) using SecurePay Reserve. She is also able to withdrawal her current year's benefit of $12,000, making her total withdrawal amount $48,000. Jane begins income with a maximum annual withdrawal amount of $12,000. At 72, Jane gains another income source and decides to defer all of her annual withdrawal amount. Jane now decides to take a trip and help her grandchildren with college expenses and takes a $12,000 withdrawal. Jane's reserved amount reaches the maximum value (3x her annual withdrawal amount) of $36,000. Now that Jane’s reserve amount is depleted, she can start taking her usual $12,000/year withdrawals, or take less and continue to defer funds by using SecurePay Reserve to rollover the excess income. Age Withdrawal amount $60,000 $50,000 $40,000 $30,000 $20,000 $10,000 $0 JANE

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31 For Financial Professional Use Only. Not for Use With Consumers. SecurePay NH Living longer and the costs associated with aging can have a significant impact on your clients’ retirement savings. Preparing now for potential nursing home care is an essential part of their long-term planning. In certain situations, SecurePay NH allows clients to double their annual withdrawal percentage to a maximum of 10% for up to five years if confined to a nursing home and meet certain eligibility requirements. It can provide another layer of protection if plans change . RightTime The solutions you choose to help protect your clients’ retirement income should be flexible enough to react to their changing needs over time. With RightTime, clients can make their decision later for an additional 0.10% to the optional income benefit fee versus adding an optional guaranteed income benefit at issue. This way, they don’t have to decide upfront — they have the flexibility to add an income option later for no additional fee .

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33 For Financial Professional Use Only. Not for Use With Consumers. Contact your Protective representative at 888-340-3428 for more information. Your clients’ retirement aspirations are worth protecting. Learn how Protective Aspirations variable annuity can help you build a customizable solution for maximizing your clients' guaranteed income, tax-deferred growth potential, and financial legacy. Multiple options to enhance legacy protection Protective ® Aspirations variable annuity gives clients the flexibility, control and protection they need to streamline the wealth transfer process. And with one standard death benefit option included at no additional cost, and three enhanced death benefit options, it can be tailored to fit your clients’ unique needs. Enhanced death benefit options: Return of Purchase Payments death benefit Returns the investment or contract value, whichever is greater at time of death, less withdrawals. 2 Maximum Anniversary Value death benefit Market gains can be locked in each contract anniversary to increase the value of the death benefit, less any withdrawals. 3 Maximum Quarterly Value death benefit Market gains can be captured to increase the death benefit on a quarterly basis, less any withdrawals. 4 2. The Return of Purchase Payments death benefit is available at an additional cost equal to 0.20% (on an annualized basis) of the death benefit at the beginning of each contract month. 3. The Maximum Anniversary Value death benefit is available at an additional cost of 0.35% (on an annualized basis) of the death benefit at the beginning of each contract month. 4. The Maximum Quarterly Value death benefit is available at an additional cost equal to 0.40% (on an annualized basis) of the death benefit at the beginning of each contract month. Download the Brochure Help your clients provide for their loved ones and transfer wealth efficiently.

Make a difference in your client’s retirement At Protective, our promise is in our name: we help you protect retirement. See how the Protective Aspirations variable annuity can help your clients that are looking for investment growth potential, lifetime income and legacy planning solutions. Best of all, our promises are backed by a company with the financial strength to deliver on its promises. Contact your sales team Learn more about Protective ® Aspirations Variable Annuity and tap into a dedicated team of specialists, programs and tools that can help you better serve your clients. Get in touch For Financial Professional Use Only. Not for Use With Consumers. 34

35 For Financial Professional Use Only. Not for Use With Consumers.

PABD.4391419.12.22 Protective is a registered trademark of Protective Life Insurance Company. The Protective trademarks, logos and service marks are property of Protective Life Insurance Company and are protected by copyright, trademark, and/or other proprietary rights and laws. Protective refers to Protective Life Insurance Company (PLICO), Nashville, TN. Variable annuities are distributed by Investment Distributors, Inc. (IDI), a broker-dealer and the principal underwriter for registered products issued by PLICO. IDI is located in Birmingham, AL. SecurePay NH nursing home enhancement may not be available in all states and may not be available with new contracts in the future. To qualify for SecurePay NH, the client must: Be confined to a qualified nursing care facility; be unable to perform two out of six specified Activities of Daily Living or be diagnosed with a severe cognitive impairment; have not been in a nursing home one year before and after purchasing an optional protected lifetime income benefit. Proof of continued qualification is required for each contract year in which this benefit is claimed. Protective Aspirations variable annuity is a flexible premium deferred variable and fixed annuity contract issued by PLICO in all states except New York under policy form series VDA-P-2006. SecurePay Investor benefits issued under rider form number VDA-P-6063. SecurePay Protector benefits issued under rider form number VDA-P-6061. SecurePay Nursing Home benefits issued under form number IPV-2159. Policy form numbers, product availability and product features may vary by state. Variable annuities are long-term investments intended for retirement planning and involve market risk and the possible loss of principal. Investments in variable annuities are subject to fees and changes from the insurance company and the investment managers. 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 800-456-6330. Not FDIC/NCUA Insured Not Bank or Credit Union Guaranteed Not a Deposit Not Insured By Any Federal Government Agency May Lose Value finpro.protective.com For Financial Professional Use Only. Not for Use With Consumers.