Lifetime Income

You Could Do It Yourself. Here’s Why You Don’t Have to.

Are your current strategies for creating income underperforming? Consider adding a source of protected lifetime income to your clients’ portfolios.

Build a Reliable Income Strategy

As an experienced financial professional, you know how to design portfolios that address lasting income in retirement. However, you also know that the resources you’ve put in place for clients could be jeopardized by events out of your control, such as:

  • Longer life spans
  • Market downturns
  • Low interest-rate environments
  • Illnesses
  • Long-term care facility costs

What if these factors didn’t have to put all of a client’s retirement income at risk?

 

An Easier Way to Hedge for Longevity Risk

Allocating a portion of a client's retirement portfolio to an annuity, creates protected income your client can’t outlive—no matter what markets do. It may even give some clients the confidence they need to invest differently to seek higher future income.

 
test

 

Source: Goldman Sachs Asset Management. "Extending the Retirement Runway." September 10, 2020. For illustrative purposes only. There is no guarantee these objectives will be met. 

 
 

Create Protected Lifetime Income, Not Just Lifetime Income

Outside of social security and pensions, annuities are the only way to provide protected lifetime income for your clients. Imagine, not having to continually search for strategies to create lifetime income for clients in an atmosphere of uncertainty.

 
 

Lean on our Lifetime Income Experience

By allocating a portion of a client's portfolio to a Pacific Life annuity, you are able to incorporate a retirement income-focused sleeve, backed by one of the nation's largest and a well recognized insurer in the industry. 1

 
 

Request a Case Design

Our managing directors are ready to help you discover how to incorporate a variable annuity within clients' portfolios to provide protected lifetime income.

 

Connect with Us
Continue Exploring
Connect with Us

Resources

 
A Protected Approach to Retirement Spending
No data found
Load More

1 Cheema, Ramish. "25 Largest Insurance Companies in the US by Assets in 2024." Yahoo!finance. March 30, 2024.

Annuities are long-term contracts designed for retirement.

Pacific Life, its distributors, and respective representatives do not provide tax, accounting, or legal advice. Any taxpayer should seek advice based on the taxpayer's particular circumstances from an independent tax advisor or attorney. 

Pacific Life is a product provider. It is not a fiduciary and therefore does not give advice or make recommendations regarding insurance or investment products. 

Annuity withdrawals and other distributions of taxable amounts, including death benefit payouts, will be subject to ordinary income tax. For nonqualified contracts, an additional 3.8% federal tax may apply on net investment income. If withdrawals and other distributions are taken prior to age 59½, an additional 10% federal income tax may apply. A withdrawal charge and a market value adjustment (MVA) also may apply. Withdrawals will reduce the contract value and the value of the death benefit and also may reduce the value of any optional benefits. 

Pacific Life refers to Pacific Life Insurance Company and its subsidiary Pacific Life & Annuity Company. Insurance products can be issued in all states, except New York, by Pacific Life Insurance Company and in all states by Pacific Life & Annuity Company. Product/material availability and features may vary by state. Each insurance company is solely responsible for the financial obligations accruing under the products it issues.

Insurance product and rider guarantees, including optional benefits and any fixed crediting rates or annuity payout rates, are backed by the financial strength and claims-paying ability of the issuing insurance company and do not protect the value of the variable investment options. They are not backed by the broker/dealer from which this annuity is purchased, by the insurance agency from which this annuity is purchased, or any affiliates of those entities, and none makes any representations or guarantees regarding the claims-paying ability of the issuing insurance company.

Variable insurance products are distributed by Pacific Select Distributors, LLC (member FINRA & SIPC), a subsidiary of Pacific Life Insurance Company and an affiliate of Pacific Life & Annuity Company. 

The home office for Pacific Life & Annuity Company is located in Phoenix, Arizona. The home office for Pacific Life Insurance Company is located in Omaha, Nebraska

For financial professional use only. Not for use with the public.
 

MUQ2142RIA-0424H

This website or its third-party tools use cookies, which are necessary to its functioning and are required to achieve the purposes illustrated in our online privacy policy.