Variable Annuities

Variable annuities can address a variety of retirement-planning necessities, from growth and income needs to flexibility and protection.


Do You Have Clients Who . . .


Need to grow retirement savings and can take on some risk?


Wish to leave a legacy?


Want sources of protected lifetime income?


Have reached 401(k) or IRA contribution limits?


Are high earners with tax-inefficient investments?


Are looking for principal protection against market downturn through optional benefits?1


1Available for an additional cost.


Find a Solution for 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

Pacific Choice

For clients who want to grow their savings through market-based growth and a variety of investment options.

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Pacific Odyssey

A fee-based variable annuity providing access to market-based growth through a wide variety of investment options.

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Many clients seek principal protection.

  • To pursue the potential for growth without taking on too much risk
  • To feel more confident about staying invested even when markets are down
  • To help their money work harder for them

Pacific Choice

With Protected Investment Benefit

Designed for clients who want to protect their assets while seeking upside potential.

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Pacific Odyssey

With Protected Investment Benefit

A fee-based variable annuity for clients who want to protect their assets while seeking upside potential.

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Clients often need an additional source of protected lifetime income.

  • To fill the gaps left by Social Security benefits and pensions (if any)
  • To maintain their current lifestyle in retirement
  • To make sure their income lasts their lifetime

Pacific Choice Income

With Enhanced Income Select 2 or Future Income Generator

Offers the flexibility of a choice of income solutions for clients who want to grow their future income.

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Pacific Choice

With Core Income Advantage (CIA) Select

For clients who need income now. Clients can choose to add CIA Select at issue or on a contract anniversary.

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Pacific Odyssey

With Enhanced Income Select 2, Future Income Generator, or Core Income Advantage (CIA) Select

A fee-based variable annuity offering a variety of income options.

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Beneficiary benefits within an annuity can be an important part of clients' plans to transfer wealth.

  • To ensure loved ones or charities avoid the complicated probate process
  • To control how and when assets are distributed
  • To extend the tax-efficient benefits of the annuity to the beneficiary

Pacific Choice

With Stepped-Up Death Benefit or Earnings Enhanced Death Benefit

Designed for clients seeking upside potential and who wish to leave a financial legacy.

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Pacific Odyssey

With Stepped-Up Death Benefit

A fee-based variable annuity for clients seeking upside potential and who wish to leave a financial legacy.

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Why a Variable Annuity from Pacific Life

Reputation matters. And when you recommend a variable 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 150 years.

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


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.

Contract Form Series: ICC12:10-1252, ICC20:10-1020, 10-17800, 10-178OR (state variations may apply)

Rider Series: 20-1354, 20-1355, ICC20:20-1355, ICCI3:20-1258, ICCI3:20-1259, ICC20:20-1021, ICC20:20-1022, ICC19:20-1427, ICC19:20-1428, ICC14:20-1295,ICC12:20-1264 (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.

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

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