Calculator

for Pacific Life's Registered Index-Linked Annuities

Pacific Life's registered index-linked annuities are contracts that offer interest-crediting options for pursuing growth while providing a level of protection against the amount of loss you can incur.

This interactive calculator uses hypothetical index performance to demonstrate how Pacific Life's registered index-linked annuities can be customized. Create scenarios using multiple indexes, strategies, and protection levels that align with your retirement goals and risk tolerance. You can then download the results to keep and/or share with your financial professional.

Annuities are long-term contracts designed for retirement. 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 income tax may apply. A withdrawal charge also may apply and a market value adjustment (MVA) also may apply. Withdrawals will reduce the contract value and the value of the death benefit, 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.

Index-linked options do not participate directly in the market or any index.

An investment in a crediting strategy is subject to risks, including the possible loss of all or a significant portion of the principal investment and any credited contract earnings. This loss could be greater if withdrawals or surrenders occur due to the imposition of withdrawal charges, a market value adjustment, if applicable, and possible negative tax consequences.

Products are not available in OR and are not available at all firms.

This material must be preceded or accompanied by the product prospectus or summary prospectus, if available, each of which contains information about the contract’s features, risks, limitations, charges, and expenses. You should read the prospectus, which is available from your financial professional or by visiting Pacificlife.com/Prospectuses and consider its information carefully before investing.

Insurance product and rider guarantees, including optional benefits and any fixed crediting rates or annuity payout rates, are backed by the financial strength and claims-paying ability of the issuing insurance company. They are not backed by the independent third party from which this annuity is purchased, including the broker/dealer, by the insurance agency from which this annuity is purchased, or any affiliates of those entities, and none makes any representations or guarantees regarding the claims-paying ability of the issuing insurance company.

Pacific Life refers to Pacific Life Insurance Company and its affiliates, including Pacific Life & Annuity Company. Insurance products can be issued in all states, except New York, by Pacific Life Insurance Company or Pacific Life & Annuity Company. In New York, insurance products are only issued by Pacific Life & Annuity Company.  Product/material availability and features may vary by state. Each insurance company is solely responsible for the financial obligations accruing under the products it issues.

Securities 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.

The home office for Pacific Life Insurance Company is located in Omaha, Nebraska

The home office for Pacific Life & Annuity Company is located in Phoenix, Arizona.

Contract Form Series: 10-1900, 10-2900

24-639C                                                                                                                                                                                                                                                                                    RLC4103-01

Pacific Life Insurance Company

Pacific Life & Annuity Company 

No bank guarantee • Not a deposit • May lose value • Not FDIC/NCUA insured • Not insured by any federal government agency