Protective fixed annuity rates

Protective, headquartered in Alabama, issues 3 fixed annuities in 4 to 7-year terms.

5.50% Top APY

A+ AM Best

Available products

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Showing nationally available rates. Filings vary by state — pick yours above to see exactly what you can buy.

Product	4-yr	5-yr	6-yr	7-yr	Min
Secure Saver	—	5.50%	—	5.40%	$10k	↓
Surrender schedule 5-yr 9% / 8% / 7% / 6% / 5% 7-yr 9% / 8% / 7% / 6% / 5% / 4% / 3% Free withdrawal Up to 10% of the contract value can be withdrawn each year free of surrender charges. Unused free-withdrawal amounts may carry forward to subsequent years. Features Terminal Illness Waiver · Nursing Home Waiver · Unemployment Waiver · Market Value Adjustment
Smart Saver	4.75%	4.80%	4.80%	4.80%	$25k	↓
Surrender schedule 4-yr 9% / 8% / 7% / 6% 5-yr 9% / 8% / 7% / 6% / 5% 6-yr 9% / 8% / 7% / 6% / 5% / 4% 7-yr 9% / 8% / 7% / 6% / 5% / 4% / 3% Free withdrawal Up to 10% of the contract value can be withdrawn each year free of surrender charges. Unused free-withdrawal amounts may carry forward to subsequent years. Features Terminal Illness Waiver · Nursing Home Waiver · Unemployment Waiver
Income Creator	—	—	—	2.90%	$25k	↓
Surrender schedule 7-yr 7% / 6% / 5% / 4% / 3% / 2% / 1% Free withdrawal Up to 10% of the contract value can be withdrawn each year free of surrender charges. Unused free-withdrawal amounts may carry forward to subsequent years. Features Terminal Illness Waiver · Nursing Home Waiver · Unemployment Waiver · Market Value Adjustment

About Protective

AM Best rating: A+ What this means
Comdex score: 92 / 100 Composite of AM Best, S&P, Moody's, Fitch.
Website: protective.com
State guaranty coverage: Each contract is backed by the issuing carrier and the applicable state guaranty association up to that state's statutory limit. See limits by state.

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Protective fixed annuity rates

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