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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 rate of returns and a cash value target at maturity. Actual policy performance or performance of the investment options can affect your policy distribution amount/duration.

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






Withdrawals and loans may reduce policy values and 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 fixed subaccount crediting rates, are backed by the financial strength and claims-paying ability of the issuing insurance company, but they do not protect the value of the variable investment options. 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 this product is purchased. Neither these entities nor their representatives make any representation or assurance regarding the claims-paying ability of the life insurance company. 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, and are available through licensed third-party broker-dealers.

You should carefully consider a variable life insurance product’s risks, charges, limitations, and expenses, as well as the risks, charges, expenses and investment goals/objectives of the underlying investment options. This and other information about Pacific Life insurance products are provided in the applicable product and underlying fund prospectuses which are available from your life insurance producer or by clicking here. Read them carefully before investing or sending money.

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