It's knowing you'll have the income you need, when you need it the most

The Power of Annuities

An annuity provides steady, reliable monthly income for your entire life. Imagine what that could mean to your financial future over the years, and to your ability to keep living the life you want to lead. Of course, you might have other long‐term needs too — like growing your assets or providing for your loved ones. An annuity can help with those as well, because there are different types of annuities that can be tailored to what’s most meaningful to you. Have confidence in your financial future with the help of your financial professional and a Pacific Life annuity.

Explore Our Products

Variable Annuities

Enable you to allocate money among a broad range of market-based investment options, providing you growth potential.

  • Money grows faster because earnings are tax-deferred.
  • You’ll have several options for retirement income, including income for life.
  • Provide protection for loved ones through a death benefit.
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Fixed Indexed Annuities

Provide opportunities to grow money based on the movement of an index. This may allow you to earn a higher interest rate than a traditional fixed annuity. You cannot lose money because you’re not invested in the market.

  • Money grows faster because earnings are tax-deferred.
  • You’ll have several options for retirement income, including income for life.
  • Provide protection for loved ones through a death benefit.
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Immediate Annuities

Provide steady, reliable income that begins within a year and can last for as long as you live.

  • Supplement other forms of guaranteed income, like Social Security.
  • Help you meet ongoing living expenses in retirement.
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Fixed Annuities

Provide predictable growth based on a fixed rate of interest.

  • Commonly used as an alternative to CDs.
  • Help you grow your retirement savings faster by deferring taxes until you take income.
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Deferred Income Annuities

Provide steady, reliable income that begins on a future date and can last for as long as you live.

  • Because income begins later, provide higher income than immediate annuities.
  • You’ll have several options for how long income lasts, including income for life.
  • Provide protection for loved ones through a death benefit.
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Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company and do not protect the value of the variable investment options, which are subject to market risk. 

Pacific Life, its distributors, and respective representatives do not provide tax, accounting, or legal advice. Any taxpayer should seek advice based on the taxpayer's particular circumstances from an independent tax advisor or attorney.

You should carefully consider a variable annuity’s risks, charges, limitations, and expenses, as well as the risks, charges, expenses, and investment goals of the underlying investment options. This and other information about Pacific Life are provided in the product and underlying fund prospectuses which are available from your financial professional or by clicking here. Read them carefully before investing.

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 tax may apply. A withdrawal charge and market value adjustment (MVA) also may apply. Withdrawals will reduce the contract value and the value of the death benefits, and also may reduce the value of any optional benefits.

Under current law, a nonqualified annuity that is owned by an individual is generally entitled to tax deferral. IRAs and qualified plans—such as 401(k)s and 403(b)s—are already tax-deferred. Therefore, a deferred annuity should be used only to fund an IRA or qualified plan to benefit from the annuity’s features other than tax deferral. These include lifetime income and death benefit options.

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.

Variable insurance products are distributed by Pacific Select Distributors, LLC (member FINRA & SIPC), a subsidiary of Pacific Life Insurance Company (Newport Beach, CA) and an affiliate of Pacific Life & Annuity Company. Variable and fixed annuity products are available through licensed third parties. 

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. 

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

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