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Life Insurance


Policy options to supplement your income.

Have policy distributions automatically deposited to your bank account.

The Automated Income Option (AIO):

If you decide to supplement your retirement income with loans and withdrawals from your life insurance policy from Pacific Life, you can apply for our AIO service. It’s convenient, flexible and gives you the freedom that comes with knowing your supplemental income is in your account whether you’re traveling the world or enjoying a peaceful retirement at home with family and friends.

When you use AIO*, you authorize Pacific Life to automatically deposit your policy loan and withdrawal checks directly into your bank account on a regular basis. The service is simple. You can request either a fixed amount or an amount based on a fixed duration. Your policy loans or partial withdrawals will be calculated for you after every policy anniversary.

Pacific Life helps you determine the policy distribution amount/duration by generating an in-force illustration, using hypothetical rates and a cash value target at maturity. Actual policy performance can affect your policy distribution amount/duration.

 *Applicable rules and exceptions apply. Talk with your life insurance producer.







Any policy withdrawals, loans and interest will reduce policy values and may reduce benefits.

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. Insurance products and their guarantees, including optional benefits and any crediting rates, are backed by the financial strength and claims-paying ability of the issuing insurance company. Look to the strength of the life insurance company with regard to such guarantees as these guarantees are not backed by the broker-dealer, insurance agency or their affiliates from which products are purchased. Neither these entities nor their representatives make any representation or assurance regarding the claims-paying ability of the life insurance company.  

Pacific Life's Home Office is located in Newport Beach, CA.