Registered Index-Linked Annuities

 

Registered index-linked annuities are long-term, tax-deferred insurance contracts that offer interest-crediting options for pursuing growth while providing a level of protection against loss. Clients do not invest directly in the market.

Do You Have Clients Who:

  • Want the potential for market-like growth without investing directly in the market?

  • Are willing to accept some limits on growth in exchange for some protection against negative index returns?

  • Need opportunities to address tax inefficiencies in their overall portfolios?

  • Are interested in securing protected lifetime income?

  • Wish to leave a legacy?

Features to Help Meet Your Clients' Needs

Clients may pursue growth for different reasons.

  • To help catch up on retirement savings
  • To make sure they have enough to sustain their current lifestyles in retirement
  • To maximize the money they're accumulating through the power of tax deferral
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Pacific Protective Growth

Offers growth opportunities, including crediting strategies tied to the performance of an index, while providing a level of protection against the amount of loss clients may incur. Clients do not invest directly in the market.

Many clients seek options that protect portions of their investments.

  • To pursue the potential for growth without taking too much risk
  • To feel more confident about staying invested even when markets are down, knowing a portion of the investment is protected
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Pacific Protective Growth

Depending on the growth options selected, clients can choose various levels of protection that may help cover a portion of index losses during market downturns.

Clients often need an additional source of protected lifetime income.

  • To fill the gaps left by Social Security retirement benefits and pensions (if any)
  • To maintain their current lifestyles in retirement
  • To make sure retirement income lasts for their lifetimes
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Pacific Protective Growth

With Income Guard

Income Guard is an optional living benefit available with Pacific Protective Growth that is designed to grow future income, protect it from down markets, and ensure it lasts a lifetime. It's available for an additional cost.

Why a Registered Index-Linked Annuity from Pacific Life

Reputation matters. And when you recommend a registered index-linked annuity from Pacific Life, you can be sure that we’ll be there for your clients now and in the future—just like we have for nearly 160 years.

Let’s talk about how we can support your business and help clients build the retirements they envision.

 
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IMPORTANT DISCLOSURES

Annuities are long-term contracts designed for retirement. 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.

An investment in a crediting strategy is subject to risks, including the possible loss of all or a significant portion of your principal investment and any credited contract earnings. This loss could be greater if you take a withdrawal or surrender your contract due to the imposition of withdrawal charges, a market value adjustment, if applicable, and possible negative tax consequences.

This material must be preceded or accompanied by the product prospectus, which contains information about the contract’s features, risks, limitations, charges, and expenses. Investors should read the prospectus, which is available by visiting Pacificlife.com/Prospectuses and consider its information carefully before investing.

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. They are not backed by the independent third party from which this annuity is purchased, including the broker/dealer, 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 Insurance Company is licensed to issue insurance products in all states except New York.

Securities are distributed by Pacific Select Distributors, LLC (member FINRA & SIPC), a subsidiary of Pacific Life Insurance Company. Product/material availability and features may vary by state.

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.

Unless otherwise noted, all aforementioned money managers, their distributors, and affiliates are unaffiliated with Pacific Life and Pacific Select Distributors, LLC.

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 and an affiliate of Pacific Life & Annuity Company. 

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

For financial professional use only. Not for use with the public.

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