Our commitment to always be there for you and your clients is reflected in our consistently high financial-strength ratings and award-winning service.1 For nearly 160 years, financial professionals and their clients have put their trust in us. .Explore what it means to work with Pacific Life.
The Power of Strength and Stability
2024 Business Highlights
$0B
Assets
$0B
Benefits Paid
>0M
In-Force Members
2nd highest of 16 ratings
4th highest of 21 ratings
4th highest of 21 ratings
4th highest of 21 ratings
Financial-Strength Ratings as of May 2023
Annuities—for a Changing Retirement Landscape
With people living longer and staying active in retirement, financial strategies that help clients grow their savings and create income to support long-term goals are more important than ever. In fact, research reveals 76% of individuals near or in retirement think it is valuable to own a guaranteed lifetime income product.2
Annuities provide tax deferral, growth opportunities, and protected lifetime income to help address a variety of planning necessities. Our annuities are easy to understand and straightforward with no hidden costs. So, you can clearly present strategy options and inspire confidence in your clients to create a plan that helps them enjoy the retirement they've worked so hard for.
Discover the opportunities an annuity can provide:
Are You Prepared to Answer the Questions Clients Are Asking?
Count on Pacific Life to keep you on the forefront of what's new and what's next for more confident client conversations.
1Recipient of multiple DALBAR Service Awards since 1997. Refer to www.DALBAR.com for more information regarding awards, certifications, and rankings.
2Arapakis, Karolos and Wettstein, Gal." How Much Do People Value Annuities and Their Added Features?." Center for Retirement Research at Boston College. January 2, 2024.
All guarantees are subject to the claims-paying ability and financial strength of the issuing insurance company and do not protect the value of the variable investment options, which are subject to market risk
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.
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 income tax may apply. A withdrawal charge and a market value adjustment (MVA) also may apply. Withdrawals will reduce the contract value and the value of the death benefit, and also may reduce the value of any optional benefits
Under current law, a nonqualified annuity that is owned by an individual is generally entitled to tax deferral. IRAs and qualified plans—such as 401(k)s and 403(b)s—are already tax deferred. Therefore, a deferred annuity should be used only to fund an IRA or qualified plan to benefit from the annuity’s features other than tax deferral. These include lifetime income and death benefit options.
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