Addressing Uncertainty: Solutions for Todays Retirement Planning Challenges

Addressing Uncertainty: Solutions for Todays Retirement Planning Challenges

Addressing Uncertainty: Solutions for Todays Retirement Planning Challenges Speaker Name Designations Company Title CABD.624451.07.18 Agenda 1. Todays retirement planning challenges 2. Strategies to address todays uncertainty 3. Todays Uncertainty program Agenda 1. Todays retirement planning challenges 2. Strategies to address todays uncertainty

3. Todays Uncertainty Program Market Volatility The unpredictable disrupter An estimated It took Why? A 40% loss takes a $4.8 Trillion 5 Years 67% to get back to pre-crash levels in market value was lost between

Dec 07 and June 09 gain to recover from 1 1 Calculated by Protective Life using S&P 500 market capitalization information and data provided by Morningstar . Black Swan Events The rare (but possible) catastrophic market drop just before retirement A global financial crisis caused a loss of nearly An estimated $3.6 Trillion $4.8 Trillion

1 As a result of Brexit, the world markets fell by 1 was lost as a result of the dot com crash of 2000 between December 2007 when the S&P 500 lost 10% and June 2009 1 2 $2.1 Trillion 2 just a few short days in 2016 Calculated by Protective Life using S&P 500 market capitalization information and data provided by Morningstar. Based on decline in market capitalization of the S&P Global BMI Index from June 23, 2016 to June 27, 2016. Calculated

by Protective Life using data provided by Morningstar. Poor Sequence of Returns The unforeseen threat depleting retirement income % Losses early in retirement can How? There was a Deplete $95k account value faster difference with just a simple reverse in the order of returns It led to

17 Years of lost income 1 1 Example assumes an initial account value of $100,000 for a hypothetical portfolio allocation of 70% bonds, as measured by the Ibbotson SBBI, and 30% large stocks, as measured by the S&P 500 (total return). Both scenarios assume annual withdrawals of $5,000. Historical returns are based on data collected from Morningstar for January 1,1966, through December 31, 2001, adjusted for inflation and compared to the same returns in reverse chronological order. Healthcare Costs The risk hiding in plain sight 61% $200,000 of workers feel is the gap the confident theyll

average 65-year-old have enough money couple would have to cover medical if Medicare expenses in covered half of their 1 retirement lifetime healthcare costs2 1 in 3 15% Americans will develop a chronic illness3 of income is spent on medical care at age 75, up from only 7% at age 454

1 2016 Retirement Confidence Survey, Employee Benefits Research Institute. 2 HealthView Services: 2017 Retirement Health Care Costs Data Report. 3 Multiple Chronic Conditions, CDC. 2016. 4Retirement Spending Experience Versus Expectations, LIMRA, LOMA, Secure Retirement Institute. 2017. Longevity The danger of an unexpected income gap Only about But theres a Americans 65+ spend almost 14% 50% $45k of retirees

think theyll live past 90 1 chance at least one spouse will live to 92 per year 3 2 1 2 3 Five unplanned years in retirement equals a

$225k income gap Society of Actuaries 2015 Risks and Process of Retirement Survey. January, 2016. The Annuity 2012 Mortality Tables. 2017 Morningstar. Bureau of Labor Statistics, Consumer Expenditure Survey, 2015. Rising Interest Rates The silent risk that could weaken a fixed-income portfolio Its been more than 35 Years since the last rising rate environment 1 $77 Billion $2.9 Trillion could be at risk if it

in safe assets were lost after a recent interest happens again rate hike 3 2 St. Louis Federal Reserve. The $77 billion estimate is based on data collected by Protective Life from Morningstar. Bond mutual fund assets were $2.6 trillion in October 2016. The Barclays Aggregate Bond Index lost 2.72% from November 2016 through February 2017. The estimated loss in bond values due to interest rate changes is $76.7 billion. 3 The $2.9 trillion dollar estimate is based on data collected by Protective Life from Morningstar, and represents taxable bonds as of May 31, 2017, which is $2.9 trillion. 1 2 Agenda 1. Todays retirement planning challenges 2. Strategies to address todays uncertainty

3. Todays Uncertainty Program 2. Strategy for Black Swan Events Protective Market Defender in action Protective Market Defender PERFORMANCE Without Protective Market Defender This example is hypothetical and intended solely to demonstrate how indexed interest is credited and losses are deducted. It is not indicative of the performance of any annuity or any index. Actual index performance will vary, and caps are likely to change each term. 2. Strategy for Black Swan Events Protective Market Defender in action Protective Market Defender Without Protective Market Defender VALUE

$100,000 Initial Investment TERM 2 TERM 1 TIME This example is hypothetical and intended solely to demonstrate how indexed interest is credited and losses are deducted. It is not indicative of the performance of any annuity or any index. Actual index performance will vary; caps and floors are likely to change each term. 3. Strategy For Volatility Concerns Growth comparison with Protective Indexed Annuity II Protective Indexed Annuity II SPDR S&P 500 ETF2 $157,838 VALUE $133,282

YEAR 1 Hypothetical example of a 10-year Protective Indexed Annuity II contract with 100% allocated to the Rate Cap for Term strategy, subject to a 4.30% rate cap. Example based on historical performance of the S&P 500 Index from December 31, 2006 to December 31, 2016. 2 Hypothetical example of SPDR S&P 500 ETF is based on the actual historical performance from December 31, 2006 through December 31, 2016, according to data compiled by Morningstar Direct. 4. Strategy for Guaranteed Lifetime Income Protective Income Builder annual income comparison VALUE Contract value has reached $0, but income locks in for life. AGE Graphic assumes client elects income at age 65 on a single life basis with a benefit base of $150,000. This chart is hypothetical and is intended solely to demonstrate a comparison of the Guaranteed Income Benefits income options. It is not indicative of the performance of any annuity, does not reflect and actual account values, and assumes no additional purchase payment or excess withdrawals. Chart is not to scale.

5. Strategy When Interest Rates Rise VALUE Growth difference as interest rates rise $5,000 INCREASE! This chart is hypothetical and is not indicative of the performance of any indexed annuity, and does not reflect any actual account values. Hypothetical example of an 8-year Protective Asset Builder Indexed Annuity contract with 50% allocated to Fixed Strategy at an interest rate of 2.45% and 50 allocated to the Annual Point-to-Point Strategy, subject to a 5.35% rate cap. Example is based on actual historical performance of the S&P 500 Index for April 13 of each year shown. The Fixed Strategy earns a specified fixed interest rate that is credited daily, regardless of market performance. The Annual Point-to-Point Strategy earns interest at a specified rate based on the performance of the S&P 500 Index. Hypothetical example of the Barclays Aggregate Bond Fund for a two year period. Example is based on the actual historical performance for April 13 of each year shown, according to data compiled by Yahoo Finance. Agenda 1. Todays retirement planning challenges 2. Strategies to address todays uncertainty 3. Todays Uncertainty Program

Lead With Concerns to Set Up Annuity Solutions Overview Brochure Market Volatility Black Swan Find out primary focus: Poor Sequence of Returns Rising Healthcare Costs Longevity

Income, Preservation or Accumulation? Rising Interest Rates Lead With Concerns to Set Up the FIA Category Rising Healthcare Costs Poor Sequence of Returns Longevity Rising Interest Rates

Black Swan in production Additional videos COMING SOON Offering Solutions Protective Income Builder Protective Indexed Annuity II Protective Asset Builder Protective Market Defender

Personal pension for Income CD alternative for preservation Bond alternative for accumulation Limit catastrophic loss while focusing on growth Your Next Steps:

1 Determine which risk concerns you the most 2 Contact your financial professional to schedule a meeting At Your Service Give me a call! Click on icon to add headshot Questions? Enter contact information below

<> <> 555.555.5555 <> email@sampleadvisor.com Distributor is appointed to distribute Protective Lifes Insurance products. <OPTIONAL DISCLOSURE>>. Important Information Citi and Citi and Arc design are trademarks and service marks of Citigroup Inc. or its affiliates, are used and registered throughout the world, and are used under license for certain purposes by Protective Life Insurance Company or its affiliates (the Licensee). Citigroup Global Markets Limited (Citigroup) has licensed the Citi Flexible Allocation 6 Excess Return Index (the Index) to the Licensee for its sole benefit. Neither the Licensee nor Protective Asset Builder (the Product) is sponsored, endorsed, sold or promoted by Citigroup or any of its affiliates. Citigroup makes no representation or warranty, express or implied, to persons investing in the Product. Such persons should seek appropriate advice before making any investment. The Index has been designed and is compiled, calculated, maintained and sponsored by Citigroup without regard to Licensee, the Product or any investor in the Product. Citigroup is under no obligation to continue sponsoring or calculating the Index. CITIGROUP DOES NOT GUARANTEE THE ACCURACY OR PERFORMANCE OF THE INDEX, THE INDEX METHODOLOGY, THE CALCULATION OF THE INDEX OR ANY DATA SUPPLIED BY CITIGROUP FOR USE IN CONNECTION <!--page-separator--></p> <p>WITH THE PRODUCT AND DISCLAIMS ALL LIABILITY FOR ANY SPECIAL, INDIRECT, CONSEQUENTIAL DAMAGES EVEN IF NOTIFIED OF THE POSSIBILITY OF SUCH DAMAGES. Please see https://investmentstrategies.citi.com/cis/us for additional important information about the Citi Flexible Allocation 6 Excess Return Index. The S&P 500 Index is a product of S&P Dow Jones Indices LLC (SPDJI), and has been licensed for use by Protective Life. S&P and S&P 500 are registered trademarks of Standard & Poors Financial Services LLC (S&P); Dow Jones is a registered trademark of Dow Jones Trademark Holdings LLC (Dow Jones); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Protective Life. Protective Asset Builder, Protective Income Builder, Protective Indexed Annuity II and Protective Indexed Annuity NY are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P 500 Index. Important Information Protective is a registered trademark of Protective Life Insurance Company. Asset Builder and Income Builder are a trademark of Protective Life Insurance Company. Protective Life sets interest rates at its sole discretion and cannot guarantee or predict future interest rates. All non-guaranteed components of the indexing formula may change and could be different in the future. Indexed interest could be less than that earned in a traditional fixed annuity, and could be zero. For product details, benefits, limitations and exclusions, please consult the contract, product guide and disclosure statement. These documents describe the terms and conditions that control the insurance companys contractual obligations. All payments and guarantees are subject to the claims-paying ability of Protective Life Insurance Company. Neither Protective Life nor its representatives offer legal or tax advice. Purchasers should consult with their legal or tax advisor regarding their individual situations before making any tax-related decisions. Annuities are long-term insurance contracts intended for retirement planning. Protective and Protective Life refer to Protective Life Insurance Company (PLICO) and its affiliates, including Protective Life & Annuity Insurance Company (PLAICO). Indexed annuities are issued by PLICO in all states except New York and in New York by PLAICO. All companies are located in Birmingham, AL. Each company is solely responsible for the <!--page-separator--></p> <p>financial obligations accruing under the products it issues. Product guarantees are backed by the financial strength and claims-paying ability of the issuing company. Limited flexible premium deferred indexed annuity contracts issued under policy form series FIA-P-2008, FIA-P-2011, FIA-P-2010 (PLICO) and NY-FIA-A-2008 (PLAICO). The Guaranteed Income Benefit is provided under form series FIA-P-6048. The SecurePay SE is provided under form series FIA-P-6022. Policy form numbers, product availability and features may vary by state. Limited flexible premium deferred indexed annuities are not investments in any index, are not securities or stock market investments, do not participate in any stock or equity investments, and do not contain dividends. Investors should carefully consider the investment risks of Protective Market Defender Annuity before investing. This and other information is contained in the prospectus. Investors should read the prospectus carefully before investing. Prospectuses may be obtained by contacting PLICO at 800.456.6330 Protective Market Defender is a deferred annuity contract with fixed and indexed-linked interest crediting features issued under contract form series IMG-P-2016. Protective Market Defender Annuity is issued by Protective Life Insurance Company located in Birmingham, AL. Contract form numbers, product availability and product features may vary by state. 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