Welcome to Pacific Life


Explore Retirement Solutions and Insights


Fixed Annuities

Provide predictable income and safety of principal. Many also offer tax-deferred growth without being invested in the market and provide a legacy for loved ones.


Variable Annuities

Provide tax-deferred growth opportunity through a diverse choice of market-based investment options. They also offer a legacy for loved ones and several options for taking income.


Retirement Insights

Explore insights on a variety of retirement topics from our subject-matter experts.


Fixed Indexed Annuities as a Fixed Income Alternative for Near-Retirees

Wade D. Pfau explores how fixed indexed annuities (FIAs) may provide attractive interest-earning/volatility characteristics relative to traditional bond funds or other fixed-income assets.


Proud to be a founding member of the Alliance for Lifetime Income and its mission to educate Americans about the importance of protected lifetime income solutions.

For more information, visit www.retireyourrisk.org.


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.

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.

Family protection refers to a death benefit within a variable annuity that can leave an amount to loved ones.

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.

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 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 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. Variable and fixed annuity products are available through licensed third parties.

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