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Pacific Life Insurance Company



Pacific Choice
Prospectus/Additional Info

Offers a choice of withdrawal charge options that define the level of access to money.

Available in all states except California.

Available in all states


Available in California only


Pacific Life & Annuity Company - New York

Brochures

Other Disclosure & Product Information

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.

The value of the variable investment options will fluctuate so that shares, when redeemed, may be worth more or less than the original cost. 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 tax may apply. A withdrawal charge also may apply. Withdrawals will reduce the contract value and the value of the death benefits, and also may reduce the value of any optional benefits.

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. Only an advisor who is also a fiduciary is required to advise if the product purchase and any subsequent action taken with regard to the product are in their client's best interest.

Check the background of your financial professional on FINRA's BrokerCheck.

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, and are available through licensed third parties.

Contract Form Series: 
10-1252, ICC12:10-1252, 10-2252-13, 10-1253, ICC12:10-1253, 10-2253-13, 10-17800, 10-178OR, 10-278NY-1, 10-1221, ICC11:10-1221, 10-1221OR, 10-2221-13, 10-10300, 10-1128, 10-1130