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 Buy-Ins

Exploring a Flexible Path to De-Risking

Once viewed as a niche strategy, buy-ins are emerging as a powerful de-risking tool that can help plan sponsors transfer key pension risks without requiring immediate plan termination. 

The Rise of the Pension Buy-In

Featured Insight

Discover why pension buy-ins are gaining momentum and how they can provide the economic risk transfer of a buy-out while preserving plan flexibility. Learn about market trends, implementation considerations, and an emerging application of buy-ins as a funded-status hedge.

Read the Article

Expert Perspectives

On-Demand Webinar

Join experts from Pacific Life, Aon, and BCG Pension Risk Consultants | BCG Penbridge as they discuss the opportunities and strategic considerations associated with buy-in transactions. Hear perspectives on the factors driving increased adoption, how buy-ins may help transfer pension risk, and considerations for implementation.

Watch now

Looking Ahead

Deep Dive: Pension Buy-Ins

A buy-in is often just the beginning of the Pension Risk Transfer journey. Our upcoming white paper explores what happens next, including:

  • How sponsors can evaluate the path from buy-in to buy-out
  • Key considerations for a smooth conversion
  • The role participant-support and communication plays throughout the transition
Coming Soon!

Ready to Learn More?

As Pension Risk Transfer strategies continue to evolve, understanding the expanding role of pension buy-ins is becoming increasingly important. Let us help you stay ahead of emerging PRT trends. 

Contact us today

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.

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