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.

Lifetime Income for Tomorrow

We insure a lot of things in life—retirement should be no exception. Pacific Lifetime Income for TomorrowTM is a Qualifying Longevity Annuity Contract, purchased at retirement, that becomes payable later in retirement, generally between ages 80-85.  It helps participants retire with confidence, knowing they won’t outlive their savings, and will have additional income later in retirement when they may need it most, such as to cover additional medical expenses. By delaying when a participant begins taking their monthly guaranteed income, their income payments will be higher.

Help your participants maximize lifetime income

The longer QLAC income payments are deferred, the greater they will be. This income is guaranteed* for life, which enables participants to gradually spend down assets in retirement, and know that a secure and predictable income stream will support them in later years.

QLAC regulations state that assets used to purchase a QLAC will not be included in the calculation of Required Minimum Distributions (RMDs). This means that income payments from a QLAC can be deferred beyond the required beginning date, up to age 85. This helps reduce RMD amounts in earlier years, potentially resulting in lower taxes.

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

What is a QLAC?

The primary purpose of a qualified longevity annuity contract (QLAC) is to provide a guaranteed income stream for life starting at a future date, with payments beginning as late as age 85.

Learn More

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.

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