Take the Emotion out of Investing
With Optional Benefits Available on Pacific Life Variable Annuities
The hypothetical situation in the volatility graph below, includes typical investor reactions you may have experienced with clients, leading to them buy high and sell low against your guidance. When clients combine a variable annuity with an optional benefit, they no longer have to react to every up and down of the market.
What if Clients Knew Their Money was Protected?
Adding an optional benefit to your clients' variable annuity can help clients feel more at ease, because they know their income is protected from market downturns. We offer several types of optional benefits for an additional cost:
- Lifetime withdrawal benefits enable your clients to take steady, lifetime withdrawals, no matter how markets perform.
- Investment protection benefits can help protect your clients' initial investment by minimizing the loss experienced in a down market.
- Legacy benefits can lock in market gains for beneficiaries or help offset the impact of taxes should your client pass away unexpectedly.
What is a variable annuity?
A variable annuity is a long-term contract between your client and an insurance company that helps them grow, protect, and manage retirement savings in a tax-advantaged way.
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.
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 are provided in the product and underlying fund prospectuses. These prospectuses should be read carefully before investing.
Pacific Life refers to Pacific Life Insurance Company and its affiliates, including Pacific Life & Annuity Company. Insurance products are issued by Pacific Life Insurance Company in all states except New York and in New York by Pacific Life & Annuity Company. Product 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 (Newport Beach, CA) and an affiliate of Pacific Life & Annuity Company. Variable and fixed annuity products are available through licensed third parties.
For financial professional use only. Not for use with the public.