A variable annuity provides reliable, lifetime monthly income to help you live the retirement you envision. Investment performance is market-based and any earnings in your annuity grow tax-deferred until you decide to take income—so your retirement savings have the potential to grow and compound over time. And, if you want to leave a legacy for loved ones, variable annuities also give you the opportunity to choose a beneficiary benefit.1
See how the variable annuity investment options have performed over time.
View prospectuses and supplements for variable annuity products.
For withdrawals, beneficiary changes, fund transfers, and more.
Opportunities to protect your money from market downturns for an additional cost.
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Offers you access to your money after five years without withdrawal charges.
Offers full access to your money after five years with no withdrawal charges and provides reduced costs for larger contracts. Optional enhanced beneficiary benefit options available for an additional cost.
Designed to provide income for life through a living benefit while providing full access to your money after seven years without withdrawal charges.
A fee-friendly variable annuity for investors interested in a suite of cost-conscious investment options, immediate access to your money with no withdrawal charges, and optional income and death benefits available for an additional charge.
For investors working with a fee-based financial professional offering you immediate access to your money without withdrawal charges.
For additional information about different variable annuity products available in New York, view a comparison of all similar variable annuity products.
1A beneficiary benefit is referred to as a death benefit in the prospectus.
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 affiliates, 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.
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.
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.
Broker/dealer and state variations may apply. Contact your broker/dealer for availability.
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 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.
Insurance product and rider guarantees, including optional benefits and any fixed crediting rates or annuity payout rates, 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. They are not backed by the broker-dealer from which this annuity is purchased, by the insurance agency from which this annuity is purchased, or any affiliates of those entities, and none makes any representations or guarantees regarding the claims-paying ability of the issuing insurance company.
Pacific Life refers to Pacific Life Insurance Company and its subsidiary Pacific Life & Annuity Company. Insurance products can be issued in all states, except New York, by Pacific Life Insurance Company and in all states by Pacific Life & Annuity Company. Product/material 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, and are available through licensed third parties.
Contract Form Series: ICC22:10-1352, ICC20:10-1020, ICC12:10-1252, ICC12:10-1253, 10-17800 ICC20:10-1040 (subject to state variations).
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.
No bank guarantee • Not a deposit • Not FDIC/NCUA insured • May lose value • Not insured by any federal government agency
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24-573
VAC1096-0125 1/25 E128
