Pacific Choice

A Deferred Variable Annuity

A variable annuity that offers value and protection to give your clients the freedom to meet their retirement goals—on their terms.

Pacific Choice is only available in New York

Pacific Choice Can Provide Clients:



  • Choose from 90+ investment options to facilitate growth with the flexibility to adjust as clients’ needs change.1
  • Obtain unlimited growth potential and tax deferral.
  • Reduce fee drag through a cost-conscious 1.20% ME&A.


Add Protected Investment Benefit2 to:

  • Protect your clients’ assets at the end of five or 10 years.
  • Allocate up to 80% equity exposure.


Add Core Income Advantage (CIA) Select2 to:

  • Receive up to 5.6% protected lifetime income when clients need income now.
  • Give clients flexibility to add at issue or when your client is ready at the next contract anniversary.

Wealth Transfer

Add Stepped-Up Death Benefit2 to lock in market gains that can be passed to the next generation.


Add Earnings Enhancement Death Benefit2 to help offset the impact of taxes during wealth transfers.

1The value of the variable investment options will fluctuate so that shares, when redeemed, may be worth more or less than the original cost.

2Optional benefits are available for an additional cost.


Key Details

For complete product details view the Pacific Choice Fact Sheet →

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Purchase Payment


$2,000 initial
$50 subsequent



$10,000 initial
$250 subsequent


For aggregate purchase payments totaling more than $1 million, contact Pacific Life for approval.

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Charges & Fees


M&E Risk Charge


Administrative Fee


Annual Contract Fee


Total Net Fund Expense Range

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Access to Money

Contract Year

Charge per

1 7%
2 7%
3 6%
4 5%
5 3%

Take the Next Step


Start A Conversation

How may we support you? Let's talk about:

  • A specific client scenario
  • Getting appointed
  • Running an illustration (if non-appointed)
  • Any other questions you might have

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.

Broker/dealer and state variations may apply. Contact your broker/dealer for availability.

Annuity withdrawals are taxable as ordinary income when distributed and may be subject to a 10% additional tax if withdrawn before age 59½. For nonqualified contracts, an additional 3.8% federal tax may apply on net investment income. Withdrawals will reduce the contract value and the value of the death benefits, and also may reduce the value of any optional benefits.
The value of the variable investment options will fluctuate so that shares, when redeemed, may be worth more or less than the original cost.

Core Income Advantage Select is named “Guaranteed Withdrawal Benefit X Rider–Single Life” and “Guaranteed Withdrawal Benefit X Rider–Joint Life” in the contract rider. Protected Investment Benefit is named “Guaranteed Minimum Accumulation Benefit” in the contract rider.

Contract Form Series: ICC12:10-1252 (state variations may apply)
Rider Series: ICC13:20-1258, ICC13:20-1259, ICC14:20-1295, 20-1354, 20-1355, ICC1220-1264, (state variation may apply)

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 or Pacific Life & Annuity Company. In New York, insurance products are only issued 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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