Annuities

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- Annuities 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.
- Life Insurance 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.
- For Institutions Whether you’re looking for a de-risking strategy for your company’s pension plan, want to provide financial security to your retirees, or looking for a strong investing partner, Pacific Life has the solutions and experience to help you succeed.
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- Workforce Benefits Pacific Life is revolutionizing employee benefits by empowering you with a premier, comprehensive, friction-free, digitally native experience.
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About Us

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- About Us Whether you’re protecting your loved ones or growing your assets, you’re highly invested in your financial future. And so are we. When you purchase life and retirement insurance, you’re buying a promise. A promise that today, tomorrow or ten years from now, we’ll be there. For nearly 160 years, we’ve fulfilled that promise. Our clients trust Pacific Life to protect what matters most to them—their families, their businesses, their futures.

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

Managing Taxes
Grow Savings
Protect Your Family
Lifetime Income Now
Lifetime income later

You want help managing taxes

In an annuity, everything you earn is tax‐deferred, so your money grows faster. If you purchase an annuity with after‐tax money, only a portion of your income will be taxable, spreading out your taxes over time. And, in a variable annuity, you can change your investment strategy without tax consequences.

You want help growing your savings

In certain annuities, you can grow money first and then turn it into reliable income. While your money grows, everything you earn will be tax deferred, which helps money build up faster. Plus, you'll have choices in how your annuity grows. Some annuities offer fixed interest rates; others enable you to select from among a variety of Interest-Crediting Options.

You want protection for your family

Do you want to leave as much as possible to your loved ones? If you die before turning your annuity into lifetime income, a death benefit payment will go to your loved ones to help ensure they are protected. Plus, you can choose how and when they will receive their payments.

You want lifetime income now

An annuity provides steady, reliable monthly income for your entire life. And if you want that income to start now, or within a year from now, consider an immediate annuity. It's the simplest, most straightforward type of annuity you can buy. And you'll know from day one how much income you will receive.

You want lifetime income later

You're planning ahead? That's good! Deferred annuities enable you to grow your money first, tax-deferred, and then take retirement income down the road. You can choose income guaranteed to last for a specific time period or that lasts your entire life.

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.

Learn More

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.

Learn More

Confidence in your future starts here

Find a Financial Professional

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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

Check the background of your financial professional on FINRA's BrokerCheck.

MUC1095-0321H