SecurePay Reserve Feature

SecurePay ReserveSM Feature O昀昀er clients an adjustable income solution Make 昀氀exibility a driving force behind your clients’ retirement aspirations using the unique capabilities of our SecurePay ® Reserve feature. The SecurePay Reserve feature is included with the Protective Aspirations variable annuity optional SM SM protected lifetime income bene昀椀ts — SecurePay Protector and SecurePay Investor . The SecurePay Reserve feature can help support: Clients can adjust their income on their terms with the option to defer Income 昀氀exibility 1 withdrawals for later use. Control of During years when clients don't need their guaranteed income, they can defer their payments. This allows their investments the opportunity to continue taxable income growing tax deferred and reduces their overall taxable income. Clients can defer some or all of their annual withdrawal amount to build an income reserve for their future. This can give clients income 昀氀exibility in times An income reserve when they may need more to cover unplanned expenses. How the SecurePay Reserve feature works Rollover Defer Activate In the following year(s), your clients Once your clients begin taking Your clients can defer up to a can take all or a portion of their income*, they may withdraw the maximum of three times their reserved amount until it is depleted. full annual withdrawal amount current annual withdrawal amount. from their contract each year. Once depleted, they may again When they’re ready to access their activate the SecurePay Reserve Or they may choose to take a balance, they can withdraw up to feature to continue to defer smaller amount and utilize the the entire amount, plus the annual payments SecurePay Reserve feature, which withdrawal amount available in the allows your clients to rollover the current year. di昀昀erence into subsequent years. *Applies to income bene昀椀t payments, not contract annuitization. Contact your Protective representative at 888-340-3428 to discuss adjustable income opportunities. Visit us online at 昀椀npro.protective.com. See the SecurePay Reserve feature in action.  Protective refers to Protective Life Insurance Company. For Financial Professional Use Only. Not for Use With Consumers.