Income Horizon

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.

Income Horizon

Income Horizon™ is a modern in-plan lifetime income solution designed specifically to support participants not just to retirement, but through it.

Guaranteed lifetime income

is on the horizon

Defined Contribution plans were built for accumulation. Income Horizon was built for what comes next—a guaranteed* lifetime income solution designed to function as a distinct income asset class, integrated within the plan structures advisors already use, including managed accounts and personalized target-date strategies.

SIX KEY RISKS ACROSS THE RETIREMENT JOURNEY

Accumulation

1. Participation risk:

Employees may delay or avoid enrolling, missing valuable years of contributions and compounding.

2. Contribution risk:

Participants may save too little or fail to increase contributions over time.

3. Investment risk:

Market volatility and allocation decisions can significantly affect long-term outcomes.

Decumulation

4. Conversion risk:

Turning a lump sum into reliable income is a challenge most participants aren’t equipped to solve alone.

5. Market risk:

Markets can decline just as retirement begins, permanently reducing the assets participants spent decades building.

6. Longevity risk:

The possibility that participants may outlive their savings has increased.

Accumulation gets participants to retirement, but income gets them through it.

Both parts of the journey demand a plan.

FROM SAVINGS TO GUARANTEED PAYCHECKS FOR LIFE

Reaching retirement with savings is only half the journey. Participants need a clear path to transform those savings into the security of guaranteed income, similar to a lifelong paycheck.

Once participants move from saving to spending, they face an entirely new set of risks—and they’re largely on their own. DC plans were built to solve the first set of risks. Income Horizon was built to solve the rest by giving participants a retirement plan that goes the distance.

Phase 1:

The Accumulation Horizon

Building future income, deliberately and transparently.

Income Horizon is an in-plan deferred income solution delivered through a Collective Investment Trust (CIT) structure. Beginning at age 50, a portion of participant deferrals may be automatically allocated to build guaranteed lifetime income directly within the plan.

Phase 2:

The Income Horizon

Converting savings into guaranteed paychecks for life.

When participants are ready to move from saving to spending, Income Horizon delivers flexibility and control—on their timeline, on their terms.

What Sets Income Horizon Apart

their retirement. their terms.

With Income Horizon, participants enjoy liquidity and flexibility as they accumulate savings, along with options that help protect their savings if income is elected. Additionally, Income Horizon offers an optional Cash Refund feature that ensures, in the event of an annuitant’s death, beneficiaries receive any remaining balance of the amount converted to guaranteed lifetime income.

What Income Horizon Makes Possible For Advisors

Improved Client Relationships

Participants often feel more confident when they have a guaranteed lifetime paycheck. That confidence reflects directly on you.

Fewer Calls When Markets Move

Participants with guaranteed lifetime income have a peace of mind that doesn't fluctuate with markets. That means fewer calls when uncertainty hits.

A Practice That Stands Apart

Guaranteed lifetime income gives you a genuinely differentiated value proposition that's difficult to replicate and easy to explain.

Flexibility Without Complexity

Income Horizon integrates into existing plan structures without sacrificing the flexibility plan sponsors and participants expect.

Make Income Horizon Part of Your Plan Strategy

Getting started is easy. Use your own fiduciary methodology or tap into additional support with fiduciary specialists at both the participant and plan level. Either way, Income Horizon is designed to fit how advisors already build and manage retirement plans.

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Ready to Learn More?

The transition from earning a living to living off earnings is the defining moment in your clients’ financial lives. You can be the advisor who makes that moment possible.

Insights focused on your priorities

* All guarantees are subject to the claims-paying ability and financial strength of the issuing insurance company.

** Assumes a Single Life option with payments beginning at age 70.

Income Horizon is a Group Annuity Contract issued to an Income Horizon Collective Investment Trust (CIT) by Pacific Life Insurance Company, which is licensed to issue insurance products in all states except New York. Upon annuitization, New York residents may be issued a certificate under a Group Annuity Contract issued by Pacific Life & Annuity Company which is licensed to issue insurance products in all states, including New York.

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: GRC-1550, ICC24:2510 (and state variations)

DCLI0291

Annuities

Life Insurance

Employee Benefits

Employee Benefits

Retirement Solutions

Employee Benefits

Annuities

Life Insurance

Employee Benefits

Employee Benefits

Retirement Solutions

Employee Benefits

Income Horizon

is on the horizon

SIX KEY RISKS ACROSS THE RETIREMENT JOURNEY

Accumulation

1. Participation risk:

2. Contribution risk:

3. Investment risk:

Decumulation

4. Conversion risk:

5. Market risk:

6. Longevity risk:

Accumulation gets participants to retirement, but income gets them through it.

FROM SAVINGS TO GUARANTEED PAYCHECKS FOR LIFE

Phase 1:

The Accumulation Horizon

Building future income, deliberately and transparently.

Phase 2:

The Income Horizon

Converting savings into guaranteed paychecks for life.

What Sets Income Horizon Apart

Income Certainty

Similar to Dollar-Cost Averaging

Built and Priced for DC

their retirement. their terms.

What Income Horizon Makes Possible For Advisors

Improved Client Relationships

Fewer Calls When Markets Move

A Practice That Stands Apart

Flexibility Without Complexity

Make Income Horizon Part of Your Plan Strategy

Ready to Learn More?

The transition from earning a living to living off earnings is the defining moment in your clients’ financial lives. You can be the advisor who makes that moment possible.

Insights focused on your priorities

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