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Best Guaranteed Annuity Rates

Protective Smart Saver NY

In the complex world of retirement planning, annuities stand out as a popular choice for those seeking steady income streams in their golden years. Amidst a crowded market, a few annuity companies have distinguished themselves through their robust financial strength, customer service excellence, and diverse product offerings.

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Learn how an annuity can provide guaranteed income for life.

The Protective Smart Saver fixed annuity is a limited flexible premium deferred fixed annuity. Limited flexible premium means that you may — but are not required to — contribute additional premiums, but only during the first contract year. And, with the power of tax deferral, your annuity earns interest that isn't taxed until you make a withdrawal. This allows interest earned on your contributions to also earn interest, compounding your earnings every year!
The Protective Smart Saver Fixed Annuity can help build your retirement income through a stream of income payments guaranteed to last as long as you live. The Smart Saver annuity provides you with: 
  • Optional pre-determined death benefit distribution 
  • Tax-deferred and compounded growth 
  • Guarantee of principal
  • Access to cash when you need it 
Premium Amount 
  • Minimum: $25,000 
  • Minimum Additional: $50 
  • Maximum: $1 million 
Penalty-Free Withdrawals
During the first contract year, the free withdrawal amount is equal to 10% of the Initial Purchase Payment. In subsequent years it is equal to 10% of the Contract Value on Contract Anniversary. Non-cumulative.

Return of Purchase Payment
Upon full surrender and before starting annuity income payments, 100% of your purchase payments will be returned to the contract owner (less any prior withdrawals or investment taxes, if applicable). 

Interest Rates

Guaranteed Years Surrender Years Guaranteed Yield Current Yield
4 4 3.55% 3.55%
4 4 3.8% 3.8%
4 4 4.05% 4.05%
5 5 4.2% 4.2%
5 5 3.95% 3.95%
5 5 3.7% 3.7%
6 6 3.75% 3.75%
6 6 4% 4%
6 6 4.25% 4.25%
7 7 4.3% 4.3%
7 7 4.05% 4.05%
7 7 3.8% 3.8%