Pacific Life offers a variety of annuities designed to help grow, protect, and manage retirement savings turning it into steady, reliable lifetime income based on your personal preferences and goals.
Pacific Life variable annuities are long-term investments that can help you grow your retirement savings through a diverse selection of investment options while deferring taxes until you’re ready to take retirement income.
Pacific Life fixed indexed annuities are designed to protect your principal while providing growth opportunity based on the positive movement of an index creating a source of income that lasts for life and providing a guaranteed death benefit for loved ones.
Protect and grow your principal at a fixed rate to create a source of lifetime income and help provide for loved ones through a death benefit with a Pacific Life fixed annuity.
With a Pacific Life immediate annuity you can receive reliable income payments that begin on a date you choose within one year of purchase and last for life.
A fixed, deferred income annuity from Pacific Life provides reliable income payments beginning on a future date the annuitant chooses.
A registered index-linked annuity is a tax-deferred contract that allows you to pursue growth without being invested directly in the market. Instead, growth is linked to the performance of an index (such as the S&P 500® index). It also provides levels of protection against the amount of loss you can incur.
Life insurance is most commonly used to help protect your family from any financial effects of your and/or your spouse's death. Protect your family's financial well-being with life insurance, which can pay a death benefit to help replace a lifetime of your loved one's lost earning potential.
A hallmark of variable universal life insurance (VUL) is flexibility. In addition to death benefit protection, VUL offers the ability to allocate among purely market-driven and guaranteed investment options. With such a wide range of investment options, you may adjust your policy’s allocations to meet a potential lifetime of growth objectives and risk tolerances—all in one flexible policy.
When you need death benefit protection, the right life insurance policy may also help protect against market downturns. Indexed universal life insurance (IUL) offers the growth potential of index-based interest crediting rates and the protection of guaranteed minimum interest crediting floors.
Quality term life insurance from a premier life insurance carrier. Protect your family or business for the term period of your choosing at competitive premiums.
Universal Life Insurance (UL) provides death benefit protection with cash value growth potential, guaranteed minimum interest crediting rates, and flexible options for customizing coverage for your needs.
Pacific Life offers a full range of employee benefits, available through your employer, for your added health and financial well-being.
From dental exams to paycheck protection, our coverages can help provide you and your family peace of mind.
Submit a claim for coverages available through your employer.
Introducing Pacific Life Workforce Benefits that deliver employee value and meet employers' needs for simplicity and dependability in an ever-changing workplace.
Reduce your administrative tasks and time with a powerful, yet simple approach to managing group benefits.
Quality benefits your employees can rely on that are easy and friction-free to use and manage.
The Institutional Retirement Solutions Group offers a holistic approach that provides a seamless and integrated experience for our clients. We leverage Pacific Life’s nearly 160 years of financial strength to deliver retirement security and solve the critical need for institutional income solutions.
Since 1941, we've been supporting sponsors and retirees through a combination of deep expertise, disciplined risk management, and an individual-focused service model.
Partnering with our clients to deliver customizable lifetime income solutions that cater to the full spectrum of retirement plan needs.
Introducing Pacific Life Workforce Benefits. A new, totally unified experience that integrates group benefits, from quotes to claims. Better for your clients. Better for your business.
Making you a hero for your clients with seamless solutions from start to finish.
Quality products your clients need that are easy and friction-free to use and manage.
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.
Pacific Life offers a variety of annuities designed to help grow, protect, and manage retirement savings turning it into steady, reliable lifetime income based on your personal preferences and goals.
Pacific Life variable annuities are long-term investments that can help you grow your retirement savings through a diverse selection of investment options while deferring taxes until you’re ready to take retirement income.
Pacific Life fixed indexed annuities are designed to protect your principal while providing growth opportunity based on the positive movement of an index creating a source of income that lasts for life and providing a guaranteed death benefit for loved ones.
Protect and grow your principal at a fixed rate to create a source of lifetime income and help provide for loved ones through a death benefit with a Pacific Life fixed annuity.
With a Pacific Life immediate annuity you can receive reliable income payments that begin on a date you choose within one year of purchase and last for life.
A fixed, deferred income annuity from Pacific Life provides reliable income payments beginning on a future date the annuitant chooses.
A registered index-linked annuity is a tax-deferred contract that allows you to pursue growth without being invested directly in the market. Instead, growth is linked to the performance of an index (such as the S&P 500® index). It also provides levels of protection against the amount of loss you can incur.
Life insurance is most commonly used to help protect your family from any financial effects of your and/or your spouse's death. Protect your family's financial well-being with life insurance, which can pay a death benefit to help replace a lifetime of your loved one's lost earning potential.
A hallmark of variable universal life insurance (VUL) is flexibility. In addition to death benefit protection, VUL offers the ability to allocate among purely market-driven and guaranteed investment options. With such a wide range of investment options, you may adjust your policy’s allocations to meet a potential lifetime of growth objectives and risk tolerances—all in one flexible policy.
When you need death benefit protection, the right life insurance policy may also help protect against market downturns. Indexed universal life insurance (IUL) offers the growth potential of index-based interest crediting rates and the protection of guaranteed minimum interest crediting floors.
Quality term life insurance from a premier life insurance carrier. Protect your family or business for the term period of your choosing at competitive premiums.
Universal Life Insurance (UL) provides death benefit protection with cash value growth potential, guaranteed minimum interest crediting rates, and flexible options for customizing coverage for your needs.
Pacific Life offers a full range of employee benefits, available through your employer, for your added health and financial well-being.
From dental exams to paycheck protection, our coverages can help provide you and your family peace of mind.
Submit a claim for coverages available through your employer.
Introducing Pacific Life Workforce Benefits that deliver employee value and meet employers' needs for simplicity and dependability in an ever-changing workplace.
Reduce your administrative tasks and time with a powerful, yet simple approach to managing group benefits.
Quality benefits your employees can rely on that are easy and friction-free to use and manage.
The Institutional Retirement Solutions Group offers a holistic approach that provides a seamless and integrated experience for our clients. We leverage Pacific Life’s nearly 160 years of financial strength to deliver retirement security and solve the critical need for institutional income solutions.
Since 1941, we've been supporting sponsors and retirees through a combination of deep expertise, disciplined risk management, and an individual-focused service model.
Partnering with our clients to deliver customizable lifetime income solutions that cater to the full spectrum of retirement plan needs.
Introducing Pacific Life Workforce Benefits. A new, totally unified experience that integrates group benefits, from quotes to claims. Better for your clients. Better for your business.
Making you a hero for your clients with seamless solutions from start to finish.
Quality products your clients need that are easy and friction-free to use and manage.
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.
Whether you’re looking for answers to your questions, necessary forms, or process information, this site provides 24/7 support designed around your individual needs. If you don't find what you need here, feel free to contact us!
Whether you’re looking for answers to your questions, necessary forms, or process information, this site provides 24/7 support designed around your individual needs. If you don't find what you need here, feel free to contact us!
What is an Annuity Certificate? |
An Annuity Certificate is the official proof of the retirement benefit now being provided by Pacific Life.
Why am I receiving an Annuity Certificate? |
You are receiving an Annuity Certificate because your retirement benefit is now provided by Pacific Life under a group annuity contract.
What is a group annuity contract? |
A group annuity contract is issued by an insurance company to provide benefit payments to individuals of a pension plan. When a pension plan purchases a group annuity contract, the insurance company then becomes responsible for the payments specified in the contract.
How and when will I receive my Annuity Certificate? |
The Annuity Certificate will be mailed to you after Pacific Life has received all necessary plan and regulatory approvals.
What happens if I lose my Annuity Certificate? |
If you lose your Annuity Certificate, please log into your Pacific Life Member Self Service account or call Pacific Life Member Services at (833) 702-1617.
What information is included in my Annuity Certificate? |
For individuals who have not yet retired:
Your certificate includes your certificate number, the date on which you can commence full benefit payments, the estimated annuity amount you will receive, and the annuity options available to you.
For annuitants who are retired:
Your certificate includes your certificate number, a description of your annuity benefit, your payment amount, the date payments begin with Pacific Life, your Joint Annuitant (if applicable), and the Beneficiary you have elected (if applicable).
I was not a participant in the pension plan. Why did I receive an Annuity Certificate? |
If you were not a plan participant, you likely received an Annuity Certificate for one of the following reasons:
1. You are a joint annuitant or beneficiary of a deceased plan participant.
2. You are an Alternate Payee of a plan participant under a Qualified Domestic Relations Order.
The personal information on my Annuity Certificate is incorrect. What should I do? |
If there is any incorrect information on your Annuity Certificate, please call Pacific Life Member Services as soon as possible at (833) 702-1617.
What is the Annuity Certificate number and why do I need it? |
The Annuity Certificate number is the unique identifier assigned specifically to your annuity contract. It may be found on your Annuity Certificate. Please refer to this number when communicating with us to help us locate your records.
To protect your privacy, Pacific Life does not use your Social Security number (SSN) in any correspondence.
What is a Joint Annuitant? |
A Joint Annuitant is the person entitled to receive payments after the Annuitant’s death.
Can I change my Joint Annuitant to another person? |
No. The election of a Joint Annuitant and Survivor Annuity and person designated as the Joint Annuitant are irrevocable and therefore cannot be changed.
What is a Beneficiary? |
The Beneficiary is the person you name who may receive the death benefit proceeds or any remaining payments if you or your Joint Annuitant (if applicable) passes away.
How do I add or change my Beneficiary? |
Beneficiary elections and changes are only accepted in writing. Please call Member Services at (833) 702-1617 to receive a Pacific Life Policy Change Request Form or download it here. Once you have downloaded the form, return it to Pacific Life either via U.S. mail, fax, or by uploading it to your Pacific Life Member Self Service account.
What are Period Certain payments? |
The number of Period Certain payments shown on your Annuity Certificate is the total number of annuity payments that are to be paid to you or your Beneficiary regardless of when you may pass away.
Why doesn’t the number of Period Certain payments on my Annuity Certificate match the number of payments I selected on my original retirement date? |
The Annuity Certificate reflects only the remaining Period Certain payments that Pacific Life is responsible for. Any payments made directly by the Plan before the annuity commencement date are not included.
For 85 years, we’ve helped people manage retirement income with clarity and precision. That experience shows up in the innovative ways in which we support you today, through reliable processes, clear information, and secure systems designed to make managing your annuity as simple as possible.
When you contact us, you’re supported by real people who take pride in helping individuals and not just processing requests. We’re committed to listening, answering your questions clearly, and providing thoughtful assistance every step of the way. With Pacific Life, you’re never navigating your annuity alone.
Your annuity is meant to provide lifelong retirement confidence. Backed by nearly 160 years of strength and stability, we’re built to confidently support that responsibility with the experience and financial discipline needed to deliver your benefits accurately and reliably, today and in the years ahead.
If you have questions, need help with a form, or would prefer to speak with someone directly, our team is here to support you.
Please reach out using the contact options below, and we’ll be glad to assist you.
Contact us directly at: | Contact us via mail: |
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Toll Free: Fax: Hours of Operation: | Regular Mail: Overnight Mail: |
Pacific Life refers to Pacific Life Insurance Company (Newport Beach, CA) 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.
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