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www.protective.com CAC.5068 (05.13) TAKE CHARGE OF YOUR FINANCIAL FUTURE A Womans Guide to Investing for Retirement www.protective.com

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2 TODAY, I set a new goal.

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3 TODAY, I found my inspiration.

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4 TODAY, I started investing in me.

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5 TODAY, I reached a little higher.

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6 TODAY, Im an examplefor her.

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7 TODAY, I began to paint a new picture of my future.

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8 TODAY, I get to make the decisions.

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9 TODAY, I feel confident about tomorrow.

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10 TODAY, Im building a plan thats unique to me.

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11 TODAY is a new day.

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www.protective.com CAC.5068 (05.13) TAKE CHARGE OF YOUR FINANCIAL FUTURE A Womans Guide to Investing for Retirement www.protective.com

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13 Taxes and investment advice Protective Life Insurance Company, Protective Life and Annuity Insurance Company and Investment Distributors, Inc. are not registered as investment advisors and this brochure is not intended to provide investment advice. Following this presentation, contact your Financial Advisor for investment advice specific to your situation. This presentation contains statements regarding the tax treatment of certain financial assets and transactions. You should consult your legal or tax adviser regarding your individual situations before making any tax-related decisions. The tax information within this presentation represents only our current understanding of the law in general and are not to be relied upon by Purchasers. The tax treatment of life insurance, Individual Retirement Accounts (IRAs), Income, estate, gift, and generation skipping tax rules are subject to change at any time. Neither Protective Life nor its representatives offer legal or tax advice. www.protective.com

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14 Agenda Why take charge of your financial future now? Setting your financial goals How will you get there? Building your portfolio How do you get started?

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15 Why take charge of your financial future now? What does the future hold? Uncertainty. Economy Pensions Medicare Social Security

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16 Why take charge of your financial future now? Other concerns for women: Lower earnings Longevity Widowhood

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17 TODAY, I set goals that I know I can reach.

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18 What do you want to achieve?

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19 Setting your financial goals Keep a picture of your goal in mind to help you focus on reaching it. Quantify your goal to make it easier to plan. Create your plan to begin investing for retirement.

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20 How will you get there? Finding money Asset growth

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21 THE LATTE FACTOR: Sacrifice small, daily purchases to find money to invest.

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22 How will you get there? The Latte Factor $6 day 7 days a week 52 weeks a year= $2,184 a year SavedInvestedInterestFinal balance $2184/year$2,184/year for 20 years $43,776 TOTAL 5% $74,972

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23 How will you get there? How long will it take me to double my money? Use the Rule of 72. 72 interest rate = number of years

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24 How will you get there? Compounding Time is money The sooner you start to invest, the less you will need to invest in total.

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25 How will you get there? Investments at ages 22 42 (20 years) Investments at ages 43-67 (25 years) Interest Final balance Jennifer $2,000/year for 20 years $40,000 total $07% $476,150 Ann$0 $2,000/year for 25 years $50,000 TOTAL 7% $135,352 Compounding Two different approaches: Jennifer and Ann

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26 TODAY, I figured out the tools that could get me from here to there.

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27 Building your portfolio Tax-deferred savings: more money to you Investment vehicles: 401(k) and 403(b) plans IRAs Annuities Life insurance Stocks, bonds, mutual funds

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28 Building My Portfolio Take advantage of your workplace savings plan: 401(k)/403(b) Tax-deferred contributions Employer match

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29 Building your portfolio 401(k) and 403(b) plans Who Tax advantages ContributionsWithdrawals 401(k) Company- sponsored Before tax dollars Up to $17,500 (an addtl $5,500 if over 50) Taxable 403(b) Nonprofit, education- sponsored Before tax dollars Up to $17,500 (an addtl $5,500 if over 50) Taxable

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30 Building your portfolio IRA Basics Who can participate? Tax advantages Contribution limits Withdrawals Traditional IRA Anyone under age 70 Before tax dollars Up to $5,500 (up to $6,500 if over 50) Taxable Required after 70 Roth IRAAnyone After-tax dollars Up to $5,500 (up to $6,500 if over 50) Tax-free No required age

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31 Building My Portfolio Stocks, bonds and mutual funds: Accumulation with varying levels of risk Bonds: fixed-income security, low risk Stocks: higher potential for returns, higher risk Mutual funds: invest in stocks, bonds, and other assets; professionally managed

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32 Building your portfolio Another investment option: Annuities Contract with an insurance company Regular payments Protect a portion of your retirement from volatility risk Offer opportunities for tax-deferred growth Draw from your retirement income Provide payments for life

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33 Building your portfolio A nontraditional investment choice: Life Insurance Build cash value Long-term investment Tax advantages Dual protection

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34 TODAY, I thought about my retirement, with confidence.

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35 Where do you start? Review your notes and booklet. Establish your goals. Determine how you will start building your money to invest. What is your latte factor? Meet with your advisor to help you determine your next steps.

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36 Where do you start? When meeting with your advisor, bring along: Your goals Important documents Recent statements

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37 Important Information Protective and Protective Life refer to Protective Life Insurance Company (PLICO) and its affiliates, including Protective Life & Annuity Insurance Company (PLAICO). Insurance products issued by PLICO in all states, except New York, and in New York by PLAICO. Securities offered by Investment Distributors, Inc. (IDI). IDI is the principal underwriter for registered products issued by PLICO and PLAICO. All three companies are located in Birmingham, AL. Product availability and features may vary by state. Each company is solely responsible for the financial obligations accruing under the policies it issues. 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. Investors should carefully consider the investment objectives, risks, charges and expenses of a variable annuity before investing. This information is contained in the prospectus for a variable annuity and its underlying investment options. Prospectuses may be obtained by calling Protective Life at 800.456.6330.

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38 Questions and Answers