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Make Social Security Part of Your Retirement Strategy

According to the Social Security Administration, Social Security benefits provide about 38% of the income for elderly Americans. And, for 52% of married couples, and 74% of unmarried people, Social Security provides 50% or more of their income1.

You may be planning, or even thinking, the appropriate time to retire. Part of that decision is making the choice to maximize Social Security retirement benefits and the need for additional sources of income during retirement. By working closely with your professional you can create a retirement income strategy that can best fit your needs.

1Source:, Social Security Basic Facts, 2014


Understanding Social Security

A brief overview of what Social Security is, the various programs offered, and average expected monthly benefit.

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Deciding When to Take Your Benefits

This Social Security Strategies brochure helps you understand the questions to consider before deciding at what age to begin taking retirement benefits.

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Deferring Social Security Benefits

This Social Security Strategies brochure describes how to build an income bridge if you want to defer taking Social Security benefits in order to accumulate delayed retirement credits.

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Understanding Spousal Survivor Benefits

This Social Security Strategies brochure reviews options for married couples to consider when devising a plan for replacing income in the event one spouse passes away.

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Maximize Social Security

Learn how to maximize your Social Security benefits.

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Social Security Restricted Application

An overview of the Social Security Restricted Application strategy for married couples or divorced individuals to consider when planning for retirement benefits.

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Social Security Claiming Strategies Update

Summarizes the core changes to Social Security claiming options that are changing for 2016 due to the Bipartisan Act of 2015.

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How Much of My Social Security Benefit May Be Taxed?

Use this calculator to determine how much of the social security benefit may be subject to income tax.

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Social Security Retirement Income Estimator

Use this calculator for an estimate of social security retirement income.

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Income & Expense Worksheet

Worksheet to help determine how much income you may need in retirement.

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How to Apply for Social Security

A general overview of how to apply for Social Security benefits including additional helpful resources.

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Tax Information

The amounts shown on Forms 1099 and 5498 will be reported to the Internal Revenue Service (IRS). In general, these forms contain dividend, distribution, sale/exchange and account value information related to your annuity contract.

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Why Pacific Life

Pacific Life has more than 145 years of experience, and we remain committed to providing quality products, service, and stability to meet your needs today and throughout your lifetime.

It's essential for you to choose a strong and stable company that can help you achieve your future income needs. Since 1868, individuals and their families have relied on the strength of Pacific Life to help protect their financial security.

  • Pacific Life Insurance Company is organized under a mutual holding company structure and operates for the benefit of its policyholders and contract owners.
  • We have achieved ongoing recognition2 for high-quality service standards.
  • We offer products that address market environments during all stages of your life.
  • We maintain strong financial strength ratings from major independent rating agencies.


Ratings may change and do not apply to the safety or performance of the underlying variable investment options or the mutual funds. For more information and current financial strength ratings, please visit

2Recipient of multiple DALBAR Service Awards since 1997. Refer to for more information regarding awards, certification, and rankings.

While ratings can be objective indicators of an insurance company's financial strength and can provide a relative measure to help select among insurance companies, they are not guarantees of the future financial strength and/or claims-paying ability of a company and do not apply to any underlying variable investment options. The broker/dealer from which this annuity is purchased, the insurance agency from which this annuity is purchased, and any affiliates of those entities make no representations regarding the quality of the analysis conducted by the rating agencies. The rating agencies are not affiliated with the above entities nor were they involved in any rating agency's analysis of the insurance companies.