Protective Dimensions
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1 Protective Dimensions Variable Annuity Profile PAC.3284 (03.12)
2 Protective Life variable annuities have been designed specifically to help you more effectively prepare for and experience retirement. Our variable annuities offer benefits and options to help you customize a financial plan to meet your unique retirement needs. The Protective Dimensions variable annuity may be right for you, if you want to benefit from the features of the annuity and adopt a long-term investment horizon for a lower cost option. Protect Tomorrow. Embrace Today.TM
3 Availability You can purchase the Protective Dimensions variable annuity if you are age 85 or younger. This product may not be available in all states. Investment amounts Minimum initial investment: $10,000 Minimum additional investment: $100 ($50 via Electronic Funds Transfer) No additional investments accepted after your 86th birthday. Maximum investment: $1 million Higher amounts may be accepted with prior company approval. Annual costs Mortality and expense risk and administration charge: 0.90% Charge is deducted from the average daily net value of the variable subaccounts. Contract maintenance fee: $50 Fee is waived if on the contract anniversary, either the contract value or the total investment (less withdrawals and surrender charges, if any) exceeds $75,000. Premium-based charge Starting three months after the contract effective date, the premium-based charge is assessed quarterly. It is originally determined by the amount of the initial investment plus any additional investments received within those first three contract months. This charge then remains level, while it is assessed for seven years (28 quarters). Investment brackets with applicable premiumbased charges are shown below. After the first three contract months, additional investments may cause the total contract investment to exceed the original bracket. When this occurs, the premium-based charge assigned to each additional investment will be determined by the new bracket, and it will be assessed for seven years (28 quarters) on the portion of the additional investment only. This will not, however, change the premium-based charge assigned to previous investments nor will it change the remaining number of quarters for that charge to be assessed on these amounts. Please note: listed charges are annual. Contract Investment Bracket (current investment plus any prior investments) Premium-based Charge (annual) Less than $50, % $50,000 - $99, % $100,000 - $249, % $250,000 - $499, % $500,000 - $999, % $1 Million % 1
4 Access to your money During the first contract year, you can withdraw 10% of your initial investment without a surrender charge. After the first contract year, you can withdraw the greatest of: 1) Accumulated earnings as of the prior contract anniversary or 2) 10% of the aggregate net investment as of the prior contract anniversary or 3) 10% of the contract value as of the prior contract anniversary. Automatic withdrawals are also available. You can choose to receive these fixed payments of at least $100 on a monthly or quarterly basis. The contract value after each withdrawal must be at least $5,000. 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. Neither Protective Life nor its representatives offer legal or tax advice. Purchasers should consult their attorney or tax advisor regarding their individual situation. Surrender charge Each investment is assigned a unique surrender charge schedule based on the amount. Any additional investments made that cause the total contract investment to exceed the original bracket will each be assigned a surrender charge schedule based upon the new bracket. Previous investments will continue to be subject to the originally assigned surrender charge schedule. Contract Investment Bracket (current investment plus any prior investments) Surrender Charges by Year Less than $50, % 6.0% 6.0% 5.0% 4.0% 3.0% 2.0% 0.0% $50,000 - $99, % 5.0% 5.0% 4.0% 3.0% 2.0% 1.0% 0.0% $100,000 - $249, % 4.0% 4.0% 3.0% 2.0% 2.0% 1.0% 0.0% $250,000 - $499, % 3.0% 3.0% 2.0% 2.0% 1.0% 1.0% 0.0% $500,000 - $999, % 2.0% 2.0% 2.0% 1.0% 2.0% 0.5% 0.0% $1 Million + 2.0% 1.0% 1.0% 1.0% 1.0% 0.5% 0.5% 0.0% You have full access to each investment and any earnings attributed to it without a surrender charge seven years after it has been applied to the contract. 2
5 Investment options Together with your financial advisor, you can choose from over 60 investment options ranging from conservative to aggressive. In addition to the wide variety of investment options, we offer a selection of optional investment programs, including: Model portfolios Dollar Cost Averaging Portfolio rebalancing For more complete information, please see the Investment Options Guide and the product prospectus. Certain limitations may apply when optional protected lifetime income benefits are added to your variable annuity contract. Loyalty bonus PayStream Plus annuitization benefit At no additional charge, Protective Life will reward you for maintaining your focus on long-term savings. We will increase the annuity value by 2% (based on the contract value), if you start annuity income payments after the 10th contract anniversary. To qualify, your annuity income payments must be structured for life with a certain period of 10 years or more. Annuity income payment options All are available for single or joint life. Certain periods are the specific terms during which you will receive annuity income payments. Lifetime income Specific term (certain period) Lifetime income with a specific term (certain period) Lifetime income with a cash refund Lifetime income with an installment refund (principal refund) Annuity income payments must begin before any owner or annuitant reaches age 95. They generally cannot be altered or surrendered once begun. 3
6 Protected lifetime income options Variable annuities from Protective Life feature optional protected lifetime income benefits for an additional cost, which are designed to lock in asset growth and protect retirement income to better help you meet your financial goals. For more complete information, please see the individual benefit brochures brochure and the product prospectus. SecurePay A simple, low cost solution, if you want income now or in the near future. Captures market gains, while reducing downside risk Investment performance has no effect on withdrawal percentages Annual cost at issue: 0.60% SecurePay FX An enhanced solution, if you want income later with greater growth opportunity. Guaranteed growth now with steady, predictable income later Potential for your benefit base to grow by a minimum of 5.0% or 6.0% per year (dependent on age) for up to 20 years or until you decide to begin your benefit withdrawals (if earlier), regardless of market performance Captures market gains with downside protection Annual cost at issue: 1.00% Both SecurePay and SecurePay FX include the following additional benefits. SecurePay NH (nursing home enhancement) May provide additional withdrawal amounts if you are receiving qualifying nursing facility care, potentially doubling your annual withdrawal amount up to a maximum of 10%. SecurePay ME (medical evaluation enhancement) May provide additional withdrawal amounts if you have a qualifying medical condition prior to starting your benefit withdrawals. SecurePay NH and SecurePay ME may not be available in all states and may not be available with new contracts in the future. Please check with your financial advisor for exact availability. RightTime You may elect the SecurePay or SecurePay FX benefit at the time you purchase your annuity or add and pay for it later with the RightTime option for 0.10% more than the annual cost at issue. Please see the individual benefit brochures for more information. The costs for optional protected lifetime income benefits are deducted from your account value monthly as a percentage of your benefit base. All costs, including maximum charges, are described in detail in the prospectus, which also provides examples of how the charges are applied and outlines certain requirements and restrictions that may affect the underlying annuity contract features. For tax purposes, protected lifetime income benefit payments are usually assumed to be a withdrawal of earnings first. The full amount of withdrawals related to earnings is subject to ordinary income tax. 4
7 Protection for loved ones Variable annuities offer long-term retirement planning, while also providing your loved ones with a death benefit should you pass away before starting your annuity income payments. The death benefit is immediately established with your initial investment and can help more efficiently transfer assets to your beneficiaries. Your loved ones will truly appreciate avoiding the delay, cost and publicity of probate. For more detailed information about your death benefit option, please see the Protection for Loved Ones brochure and the product prospectus. Return of Purchase Payments Death Benefit This is the standard death benefit, and is available at no additional cost. Should you pass away before starting your annuity income payments, your beneficiaries will receive the greater of the: Contract value or Total principal (total purchase payments) less an adjustment for each prior withdrawal. The Return of Purchase Payments and Maximum Anniversary Value Death Benefit are each subject to a maximum of the contract value plus $1 million. The Maximum Anniversary Value Death Benefit may be selected if you are age 75 or younger. Once it is chosen, it cannot be changed for the term of the contract. Maximum Anniversary Value Death Benefit The Maximum Anniversary Value Death Benefit is an enhanced death benefit that may be selected in lieu of the Return of Purchase Payments Death Benefit for an additional fee. This benefit allows you to lock in the maximum value attained upon each contract anniversary, potentially providing your beneficiaries with a larger benefit, if your contract value increases over time. Your beneficiary will receive the greatest of the: Contract value or Total principal (total purchase payments) less an adjustment for each prior withdrawal or Maximum anniversary value attained before your 80th birthday or date of your passing, whichever is earlier, less an adjustment for each prior withdrawal. The fee under this option is equal to 0.20% (on an annualized basis) of the death benefit at the beginning of each contract month. Enhanced Spousal Continuation Benefit The Enhanced Spousal Continuation Benefit offers an opportunity for your surviving spouse to continue the annuity contract after your passing without terminating the death benefit. With this option, available at no additional cost, Protective Life will increase the contract value to equal that of the death benefit, if it is greater than the contract value, allowing your spouse to continue the contract at the new higher contract benefit. Please see the product prospectus for details. 5
8 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. Variable annuities issued by Protective Life Insurance Company (PLICO). Securities offered by Investment Distributors, Inc. (IDI), the principal underwriter for registered products issued by PLICO, its affiliate. Both companies located in Birmingham, AL. All guarantees are subject to the claims-paying ability of Protective Life Insurance Company. Flexible premium deferred variable and fixed annuity contracts issued under policy form series VDA-P-2006 and state variations thereof. Product availability and features may vary by state. Investors should carefully consider the investment objectives, risks, charges and expenses of a variable annuity, any GLWB rider, and the underlying investment options before investing. This and other information is contained in the prospectus for a variable annuity and its underlying investment options. Investors should read the prospectus carefully before investing. Prospectuses may be obtained by contacting PLICO at (800) PAC.3284 (03.12)
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