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.

Insured Liability-driven Investing

Stability even during uncertainty

Learn how Insured LDI helps keep your pension plan on course

Don’t let volatile markets and changing interest rates wipe out years of planning and millions in assets from your pension funds.

You may reduce the risk of dropping below your target funding levels with a liability-driven investing (LDI) strategy. But matching assets to liabilities and assuring you can generate appropriate cash flow to cover retiree benefit payments is a lot of work, and it’s not a perfect science.

 Pacific Life offers insured LDI to help mitigate those risks. See how we can help you insure your plan assets and protect your retirees’ benefits.

How Insured LDI Works

To start, you’ll give us:

  • A schedule of when you expect to pay out retiree benefits.
  • A schedule of when you expect the money to flow in or out of the plan.
  • Your discount curve for predicting how your investments’ value will change over time.

You’ll also pay us a quarterly fee to manage your pension funds.

In return, we give you a contract you hold as an asset of your plan. It guarantees your plan’s assets will match its liabilities, no matter what the market looks like or how its investments perform. We’ll do this by providing guaranteed monthly income into the plan based on the schedule you’ve given us.

Unless you change the contract later, your interest rate is locked in when the contract starts. Each month, we’ll update the contract’s value as your investments’ expected returns change. We’ll calculate this using the discount curve you’ve given us or one that’s similar.

 

Our Team is here to help

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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