Protective Asset Builder II – Growth Potential with Market Protection and Income Flexibility
At Diversified Insurance Brokers, we specialize in helping individuals secure retirement solutions that offer reliable growth, protection from market losses, and flexible income strategies. The Protective Asset Builder II Fixed Indexed Annuity, issued by Protective Life Insurance Company, is designed to help you grow your retirement savings securely—while keeping access and control.
Whether you’re looking to roll over retirement funds or reposition assets for safety and growth, this product delivers a combination of strength, strategy, and stability.
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Crediting Strategies with Built-In Protection
The Asset Builder II gives you access to a variety of index crediting options, including the S&P 500, J.P. Morgan Mojave Index, and Citi Flexible Allocation 6 Excess Return Index. These strategies offer market-linked growth potential—while ensuring your principal is never reduced due to market downturns.
A 0% floor protects your account during market declines, allowing your annuity to only move forward.
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Liquidity and Waiver Features
Starting in year two, Asset Builder II allows for penalty-free withdrawals of up to 10% annually—giving you access when needed. In addition, several waiver riders are included:
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Nursing Home Waiver
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Terminal Illness Waiver
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Unemployment Waiver
These features ensure you can access funds during difficult times without added penalties.
Lifetime Income Options and Death Benefit
While this annuity does not automatically include a built-in income rider, it allows for annuitization—converting your annuity into a structured income stream for life, either for yourself or jointly with a spouse. This gives you the ability to create guaranteed income when the time is right.
The guaranteed death benefit ensures your beneficiaries receive either the full account value or the minimum guaranteed surrender value, whichever is higher—providing peace of mind and legacy protection.
Who It’s a Good Fit For
This annuity is an excellent choice for:
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Individuals seeking principal protection with market-based growth potential
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Pre-retirees who want flexibility and liquidity before needing income
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IRA or 401(k) rollovers looking for tax-deferred accumulation
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People who value a conservative strategy with optional income later in life
Whether you’re rolling over a retirement account or investing non-qualified funds, Asset Builder II offers a safe and flexible path forward.
Strength and Security You Can Count On
Protective Life Insurance Company has a long-standing reputation for financial strength and consistent performance. When combined with the expert guidance of Diversified Insurance Brokers, you gain more than a product—you gain a trusted advisor who understands your retirement goals.
Contact Us Today:
Ready to explore annuity options that offer guaranteed income, principal protection, and long-term financial growth? Let the expert advisors at Diversified Insurance Brokers help you find the right strategy for your retirement goals.
📞 Call us at 800-533-5969
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