Protective ® Aspirations variable annuity with SecurePay Protector℠ benefit offers new advance payout options that provide increased income early in retirement , followed by guaranteed lifetime income at a set withdrawal rate .

Advance payout options can help customize clients ’ income strategy if :

• They plan to spend more in their earlier years of retirement .

• They want to strategically defer Social Security to maximize benefits .

• They have a longer income gap and need to ensure financial stability .

Call 800-235-9086 or visit protective . com / aspirations-hub to explore this solution .

Protective refers to Protective Life Insurance Company ( PLICO ), Nashville , TN . Variable annuities are distributed by Investment Distributors , Inc . ( IDI ), Birmingham , AL , a broker-dealer and the principal underwriter for registered products issued by PLICO . IDI is located in Birmingham , AL . Product guarantees are subject to the financial strength and claims-paying ability of PLICO .

Protective ® is a registered trademark of PLICO . The Protective trademarks , logos and service marks are property of PLICO and are protected by copyright , trademark , and / or other proprietary rights and laws .

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 charges from the insurance company and the investment managers .

Withdrawals reduce the annuity ’ s remaining death benefit , contract value , cash surrender value and future earnings . Withdrawals may be subject to income tax and , if taken prior to age 59½ , an additional 10 % IRS tax penalty may apply . More frequent withdrawals may reduce earnings more than annual withdrawals . During the withdrawal charge period , withdrawals in excess of the penalty free amount may be subject to a withdrawal charge . Excess withdrawals ( amounts exceeding AWA and any reserve amount ) reduce benefit base and are subject to applicable surrender charges .

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 .

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 .

PAC . 5886871 ( 07.24 )