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Annuities are designed to be both a savings vehicle and a source of retirement income. At Pacific Life, a number of choices are available for you to help grow and protect your retirement savings in a way that best meets your needs—products that address market environments during all stages of your life.

This material is not intended to be used, nor can it be used by any taxpayer, for the purpose of avoiding U.S. federal, state, or local tax penalties. This material is written to support the promotion or marketing of the transaction(s) or matter(s) addressed by this material. 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.

Investors 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. These prospectuses should be read carefully before investing.

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 company is solely responsible for the financial obligations accruing under the products it issues. Insurance product and rider guarantees, including optional benefits and any fixed subaccount 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.

Variable insurance products, as well as shares of Pacific Select Fund, are distributed by Pacific Select Distributors, LLC (member FINRA & SIPC), a subsidiary of Pacific Life Insurance Company and an affiliate of Pacific Life & Annuity Company (Newport Beach, CA), and are available through licensed third-party broker/dealers.

No bank guarantee. Not a deposit. May lose value. Not FDIC/NCUA insured. Not insured by any federal government agency.

Annuities Highlights

Understanding Fixed Annuities
This brochure outlines the basics of fixed annuities: the structuring, the various types, and other factors to consider.

Understanding IRAs
This educational brochure provides general knowledge about IRAs for clients' financial planning.

Understanding Annuities
An overview of fixed and variable annuities.

Understanding Social Security
General information about Social Security Benefits.

Understanding Sequence of Returns
An introduction to the impact of the Sequence of Returns.

Tax Forms Support

Video Library
Videos to help start planning your retirement or to learn more about Pacific Life products and services.

E-Delivery
View benefits and how to enroll.