Discover financial solutions that protect your future and provide peace of mind. Whether you're exploring annuities, life insurance, or understanding employee benefits through your workplace, Pacific Life offers resources and products designed to meet your personal and family goals.

Support your workforce with innovative employee benefits and retirement solutions. Pacific Life partners with business owners, benefits administrators, and pension fund managers to create customized programs that attract and retain top talent while securing their financial future.

Simplify complex retirement and pension risk management with our tailored solutions for large organizations. Pacific Life specializes in working with institutions to address their unique challenges, offering expertise in pension de-risking and strategic retirement planning for a more secure future.

Empower your clients with confidence by leveraging Pacific Life’s comprehensive portfolio of financial products. From annuities to life insurance, we provide the tools, resources, and support to help financial advisors and brokers deliver exceptional value and long-term results.

  • Individuals

    Discover financial solutions that protect your future and provide peace of mind. Whether you're exploring annuities, life insurance, or understanding employee benefits through your workplace, Pacific Life offers resources and products designed to meet your personal and family goals.

  • Employers

    Support your workforce with innovative employee benefits and retirement solutions. Pacific Life partners with business owners, benefits administrators, and pension fund managers to create customized programs that attract and retain top talent while securing their financial future.

  • Institutions

    Simplify complex retirement and pension risk management with our tailored solutions for large organizations. Pacific Life specializes in working with institutions to address their unique challenges, offering expertise in pension de-risking and strategic retirement planning for a more secure future.

  • Financial Professionals & Brokers

    Empower your clients with confidence by leveraging Pacific Life’s comprehensive portfolio of financial products. From annuities to life insurance, we provide the tools, resources, and support to help financial advisors and brokers deliver exceptional value and long-term results.

pension risk transfer

 

BECAUSE TOMORROW MATTERS

At the heart of every benefit is a promise made to a real person. We never lose sight of that. 

At Pacific Life, Pension Risk Transfer is never simply about removing liabilities from a balance sheet. It's about honoring the commitments we've made to plan sponsors to ensure benefits are delivered with the certainty people depend on. That responsibility is grounded in our long‑term partnerships, deep experience, and unwavering focus on the people who depend on those benefits—today, tomorrow, and for decades to come. 

Comprehensive PRT Capabilities

Since 1941, we've been supporting sponsors and retirees through a combination of deep expertise, disciplined risk management, and an individual-focused service model.  

Our experienced team helps guide employers through the Pension Risk Transfer process, helping them fulfill promises to nearly half a million individuals and growing.

85 Years of Pension Risk Transfer Expertise

For more than eight decades, Pacific Life has led the way in PRT innovation with a focus on solutions designed to help participants achieve more reliable retirement outcomes.

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Behind Every Payment Is a Person Counting on It 

Our high‑touch service model supports sponsors and annuitants with clarity and care, reflected in seven DALBAR awards and a 4.9/5.0 satisfaction rating.

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Stability You Can Rely On

Backed by nearly 160 years of strength and stability, Pacific Life helps deliver dependable retirement income for retirees with a long-term focus they can trust.

Learn more
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85 Years of Pension Risk Transfer Expertise

For more than eight decades, Pacific Life has led the way in PRT innovation with a focus on solutions designed to help participants achieve more reliable retirement outcomes.

Learn more

Behind Every Payment Is a Person Counting on It 

Our high‑touch service model supports sponsors and annuitants with clarity and care, reflected in seven DALBAR awards and a 4.9/5.0 satisfaction rating.

Learn more

Stability You Can Rely On

Backed by nearly 160 years of strength and stability, Pacific Life helps deliver dependable retirement income for retirees with a long-term focus they can trust.

Learn more

SOLUTIONS AND RESOURCES

Explore our Pension Risk Transfer solutions and participant resources, all designed with the goal of building retirement confidence for every retiree.

Secured Buy-In

Built to provide certainty today while preserving flexibility for tomorrow

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Transferred Buy-Out

A long-term solution focused on delivering consistent, lifelong income

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Insured LDI

Risk management aligned with benefit security and participant outcomes

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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. Pacific Life, its affiliates, its distributors, and respective representatives do not provide any employer-sponsored qualified plan administrative services or impartial advice about investments and do not act in a fiduciary capacity for any plan.

This material is provided for informational purposes only and should not be construed as investment, tax, or legal advice. 

Information is based on current laws, which are subject to change at any time. Clients should consult with their accounting or tax professionals for guidance regarding their specific financial situations.

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 availability and features may vary by state. Each insurance company is solely responsible for the financial obligations accruing under the products it issues.

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

DB-1065-0626 

PRT0070.