Fixed annuities provide predictable income and safety of principal. They can also offer growth without being invested in the market and provide a legacy for loved ones.
As you work with conservative clients who are preparing for retirement or simply need income for life, consider Pacific Life’s suite of fixed annuities.
Fixed annuities offer a powerful combination of:
Fixed Indexed Annuities
Clients earn interest based on how high a market index (like the S&P 500®) rises. No loss of account value if the index falls.
Commonly used: For greater interest-earning potential than a traditional fixed annuity.
As a fixed income alternative if there is a concern about rising interest rates and the impact it will have on bond prices.
For optional benefits that provide lifetime income and enhanced death benefit protection. Available for an additional cost.
For fee-based advisors whose clients want the certainty of rates and caps locked in for the entire period.
Offers four interest-crediting options, including one based on the BlackRock(R) Endura(TM) Index, and a participation-rate option for more growth potential. The BlackRock iBLD Endura VC 5.5 ER Index is referred to as the BlackRock Endura Index for ease of reference.
Offers longer guarantees for those who want the certainty of rates and caps locked in for the entire period.
Traditional Fixed Annuities
Commonly used as an alternative to CDs, traditional fixed annuities grow money at a fixed rate of interest. Clients cannot lose money because they are not invested in the market.
Single-Premium Immediate Annuities
Clients can begin receiving income within a year of purchasing the annuity and they will know from day one the exact amount they’ll receive.
Commonly used to:
Deferred Income Annuities
Provides income that begins at a future date, which the client selects. It can be an efficient way to maximize future income because the longer clients wait to start receiving income, the higher the income amount will be.
Guarantees are subject to the claims-paying ability of the issuing insurance company. Not all products are available at all broker/dealer firms or in all states. Contact your broker/dealer or Pacific Life for more information.
If you sell fixed annuities without the assistance of a broker/dealer, visit our Pacific Life Producer Alliance website.
BlackRock, Inc., and its affiliates (“BlackRock”) is not the issuer or producer of any annuity product associated with Pacific Life Insurance Company, and BlackRock has no responsibilities, obligations, or duties to investors in such products. The BlackRock iBLD Endura VC 5.5 ER Index (hereinafter, the “BlackRock Endura Index”) is a product of BlackRock Index Services, LLC, and has been licensed for use by Pacific Life Insurance Company. BLACKROCK, BlackRock Endura Index, and the corresponding logos are registered and unregistered trademarks of BlackRock. While Pacific Life Insurance Company may for itself execute transactions with BlackRock in or relating to the BlackRock Endura Index in connection with its annuity products, investors acquire all such annuity products from Pacific Life Insurance Company and neither acquire any interest in the BlackRock Endura Index nor enter into any relationship of any kind with BlackRock upon investing in such products. Pacific Life Insurance Company annuity products are not sponsored, endorsed, sold, or promoted by BlackRock. BlackRock makes no representation or warranty, express or implied, to the owners of any Pacific Life Insurance Company annuity product or any member of the public regarding the advisability of investing in such products, nor does it have any liability for any errors, omissions, or interruptions of the BlackRock Endura Index. BlackRock shall not be liable in any way to the issuer, investors, or any other party in respect of the use or accuracy of the BlackRock Endura Index or any data included therein.
The index is not available for direct investment.
Fixed annuities (30-1229, 30-1229-R, 30-1173, 30-1282, 30-1181, 30-1209, 30-1301, 30-1228, 30-1294, 30-1401, 30-1503, 30-1700, 30-1800, including state variations) are issued by Pacific Life.
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