10% Annual Roll-Up for Enhanced Income
One of the most appealing features of the Income Builder is the Guaranteed Income Benefit with a 10% simple interest roll-up on the benefit base for up to 10 years. This roll-up occurs regardless of market performance, giving your future income base a predictable boost while you wait to begin withdrawals.

This benefit makes the Income Builder especially attractive for those who plan to defer income for several years, as the roll-up dramatically increases the amount you can receive each year for life.

Income Options Tailored to Your Needs
When you’re ready to start drawing income, the Protective Income Builder offers two flexible payout structures:

• Level Income Option: Delivers a consistent, predictable stream of income for life

• Rising Income Option: Allows your income payments to grow over time, helping you offset inflation and rising costs during retirement

Both options ensure that once income starts, it continues for the rest of your life, even if your account balance reaches zero.

Protection with Market-Linked Growth Potential
Like other fixed indexed annuities, the Protective Income Builder ties your growth potential to the performance of market indices, but without exposing your principal to losses from market downturns. The account value earns interest based on index performance, and those gains are locked in annually.

And because the annuity grows tax-deferred, your savings can compound faster without the drag of annual taxes on earnings.

Additional Features for Flexibility and Security
Other key benefits of the Protective Income Builder include:

• Penalty-free withdrawals of up to 10% each year, starting in the second contract year

• Death benefit protection, ensuring remaining funds pass efficiently to beneficiaries

• No annual fees on the guaranteed income rider, depending on the specific configuration

This combination of guarantees, flexibility, and lifetime income makes the Protective Income Builder a strong option for conservative investors nearing retirement.

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Work With Experts Who Understand Retirement Income Planning
At Diversified Insurance Brokers, we partner with over 75 top-rated insurance carriers to help you compare options and make smart retirement income decisions. The Protective Income Builder Indexed Annuity is just one of many tools we use to build secure, customized retirement plans.

Whether you’re five years from retirement or already drawing income, our advisors will guide you toward the annuity that best fits your goals—and help you lock in guaranteed income for life