If your clients are hesitant to invest in certain variable annuities when the markets are volatile, consider the optional benefit, Investment Guard, available for an additional cost. Together, they offer unlimited upside growth potential with the ability to invest in a wide variety of investment options—some with up to 100% equity exposure as well as downside protection through the client's choice of three different terms.
Investment Guard
See how Investment Guard can help clients take the emotion out of investing by giving them unlimited upside potential, while letting them choose their level of protection. So, even if the market is down, their initial investment is protected up to the level that is chosen, and they can keep heading toward the retirement they envision.
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Let's talk about how Investment Guard can complement your client's investment portfolio.
Consider this for clients who:
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Want unlimited growth potential.
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Are nearing retirement.
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May be fearful of investing at or near retirement and looking to lower downside risk.
Investment Guard must be added at contract issue.
Features
Unlimited Upside Potential
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No caps on performance
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Choose from over 80 rider-eligible investment options (as of 7/18/22)
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Up to 100% equity exposure
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Dividend reinvestment included in performance
Downside Protection
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Protect purchase payments made in the first contract year
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10%, 15%, or 20% buffers (depending on the term chosen)
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5-, 7-, or 10-year terms
Resources
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VAQ2730-0523H
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.
The value of the variable investment options will fluctuate so that shares, when redeemed, may be worth more or less than the original cost.
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 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.
Investment Guard is named "Guaranteed Minimum Accumulation Benefit" in the contract rider.
Purchase payments made after the first contract year will not be protected under the optional benefit. Any additional purchase payments made after the first contract anniversary will increase the contract value and may reduce the benefit provided by the rider.
Not all optional benefits are available at all broker/dealer firms or in all states. Contact your broker/dealer or Pacific Life for more information.
Contract Form Series: ICC22:10-1352, 10-178OR, 10-17800
Rider Series: ICC22:20-1356-A, ICC22:20-1356-B, ICC22:20-1357-A, ICC22:20-1357-B, ICC22:20-1358-A, ICC22:20-1358-B, ICC22:20-1359-A, ICC22:20-1359-B, ICC22:20-1360-A, ICC22:20-1360-B, ICC22:20-1361-A, ICC22:20-1361-B
State variations to contract form series and rider series may apply.