Give Your Clients Choices for Retirement

Whether they're looking for growth, income, protection, or flexibility, each client requires a different financial solution. With our suite of variable annuities, we can help you piece together a plan to fit your clients' needs. Watch this video to learn more.

Income and Protection Options for Your Clients

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Pacific Choice Income

Retirement income when and how your clients want it through one of two income benefits, available for an additional cost.

  • Enhanced Income Select 2—for clients who want to maximize income and flexibility.
  • Future Income Generator—for clients who want steady, protected lifetime income.

Both living benefits provide lifetime income options starting at age 591/2.

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Pacific Choice

Growth potential with asset protection.

  • More than 90 investment options1 from well-known and respected money managers with costs starting as low as 0.28%.2
  • Protected Investment Benefit—an optional benefit, available for an additional cost, for protection against market downturns.

Let's connect to discuss your clients' choices for retirement.


1 Certain investment options are unavailable if a living benefit is selected.

2 For more information, including the gross expense ratio, waivers, and/or expense reimbursements, see the applicable fund prospectus. Expenses are subject to change.

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.

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 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. 

Future Income Generator is named "Guaranteed Withdrawal Benefit XXII Rider—Single Life" and "Guaranteed Withdrawal Benefit XXII Rider—Joint Life" in the contract rider.

Enhanced Income Select 2 is named "Guaranteed Withdrawal Benefit XXIII Rider—Single Life" and "Guaranteed Withdrawal Benefit XXIII Rider—Joint Life" in the contract rider.

Protected Investment Benefit is named “Guaranteed Minimum Accumulation Benefit” in the contract rider. The Protected Investment Benefit five-year option is not available in Oregon and Washington.

Only one optional guaranteed minimum withdrawal benefit (GMWB) can be purchased on a variable annuity.

Not all optional benefits are available at all firms or in all states. Contact your broker/dealer or Pacific Life for more information. 

Guarantees, including optional benefits, are subject to the issuing company’s claims-paying ability and financial strength. They do not protect the value of the variable investment options, which are subject to market risk. 

Contract Form Series: ICC20:10-1020, ICC12:10-1252, 10-17800, 10-178OR
Rider Series: ICC19:20-1427, ICC19:20-1428, ICC20:20-1021, ICC20:20-1022, 20-1354, 20-1355, ICC20:20-1355OR (state variations 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. 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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