A Modern Way to Address Planning Needs
Our no-load, cost-conscious advisory annuities can be a strategic complement to your clients' portfolios. Easy to explain. Easy to use.
Variable Annuities
Advisory variable annuities are specifically designed to address some of the most common risks in retirement and provide flexibility for clients looking to stay invested in the market for future growth and income potential.
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Cost-conscious investment options
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Tax-deferred growth potential
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Options for taking income
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Options for enhancing a legacy
Fixed Indexed Annuities
Advisory fixed indexed annuities are long-term savings options that provide principal protection and opportunity for growth. Clients who are uncertain about investing in the market can still take advantage of growth potential without the market risk.
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Safety of principal
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Index-based growth potential
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Tax-deferred growth potential
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Options for predictable income
Fixed Annuities
Advisory fixed annuities guarantee a specific rate of return, so risk-averse clients will know in advance how much their money will grow without exposure to market risk.
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Safety of principal
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Competitive interest rates offer steady growth
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Tax-deferred growth potential
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Options for predictable income
All guarantees are subject to the claims-paying ability and financial strength of the issuing insurance company and do not protect the value of the variable investment options, which are subject to market risk.
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.
Fixed and fixed indexed annuities are not securities and do not participate directly in the stock market or any index, so they are not investments.
Investors should carefully consider a variable annuity's risks, charges, limitations, and expenses, as well as the risks, charges, expenses, and investment goals of the underlying investment options. This and other information about Pacific Life variable annuities are provided in the product and underlying fund prospectuses. These prospectuses should be read carefully before investing.
Annuity withdrawals are taxable as ordinary income when distributed and may be subject to an additional 10% federal income tax if withdrawn before age 59½. For nonqualified contracts, an additional 3.8% federal tax may apply on net investment income. Withdrawals will reduce the contract value and the value of the death benefits, and also may reduce the value of any optional benefits.
Under current law, a nonqualified annuity that is owned by an individual is generally entitled to tax deferral. IRAs and qualified plans—such as 401(k)s and 403(b)s—are already tax-deferred. Therefore, a deferred annuity should be used only to fund an IRA or qualified plan to benefit from the annuity’s features other than tax deferral. These features include lifetime income, death benefit options, and the ability to transfer among investment options without sales or withdrawal charges.
Pacific Life refers to Pacific Life Insurance Company and its affiliates, including Pacific Life & Annuity Company. Insurance products can be issued in all states, except New York, by Pacific Life Insurance Company or Pacific Life & Annuity Company. In New York, insurance products are only issued 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.
Annuity products are not FDIC insured, may lose value, and are not guaranteed by any bank.
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.
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