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.

TRANSFERRED BUY-OUT

A Flexible Solution for Managing Pension Risk

Whether you need to transfer some of your liabilities or complete a full plan termination, you need a team that can help protect your retirees while addressing the unique needs of your institution.

We Take Care of Your Retirees.

You Take Care of Business.

Backed by 85 years of group annuity experience and nearly 160 years of strength and stability, Pacific Transferred Buy-Out® is a group annuity contract for defined benefit retirement plans and can be used for a partial buy-out (settlement of selected liabilities) or a full plan termination.

It's a simple, flexible, and stable solution that allows you to transfer pension risks to Pacific Life so you can focus on business.

KEY BENEFITS

of Pacific Transferred Buy-Out.
For the Plan
  • Eliminate Pension Benefit Guaranty Corporation (PBGC) premiums and administrative expenses
  • Transfer pension obligations and associated risks to Pacific Life
For the Plan Sponsor
  • Remove pension liability from the balance sheet
  • Choose to cover all or a select group of participants
  • Reduce pension risk
For the Participant
  • Greater benefit security
  • Guaranteed monthly income*
  • No change to the benefit amount or payment timing

*Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company.

REDEFINING DEFINED BENEFIT PLANS

Retiree-Focused Care
 

We issue annuity certificates, pay benefits, and deliver dedicated support, helping provide a positive experience for your retirees.
 

Flexible Coverage
 

Choose to transfer all retirees, deferred retirees, or a targeted population based on your plan's needs.
 

Reduced Costs
 

Lower PBGC premiums and administrative expenses associated with the retirees you transfer.

 
Secured Buy-In

Built to provide certainty today while preserving flexibility for tomorrow

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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.

Contract form series: 80-1291, GRC-1300, GRC-1350, GRC-2300 (State variations may apply.)

DB-1075-0726