Optional Benefits

Available with Variable Annuities


Markets are unpredictable, but with Pacific Life optional benefits, you can provide clients with valuable protection from a market downturn. We offer several types of optional benefits for an additional cost. And we make it simple:

  • We do not require managed volatility investment options or asset-transfer programs to be eligible for optional benefits.
  • We offer a wide variety of investment options for use with a lifetime income or principal protection benefit.
  • Clients may allocate funds to any combination of investment options for use with a standard or optional death benefit.
  • Living benefits can be added after issue, subject to availability.
  • Legacy Protection
    Death benefits that can help clients achieve legacy goals and provide protection for beneficiaries.
  • Lifetime Income
    Optional guaranteed lifetime withdrawal benefits that can provide lifetime income are available for an additional cost with our variable annuities.
  • Principal Protection
    Optional accumulation benefit available for an additional cost with our variable annuities.
Guarantees, including optional benefits, are subject to the issuing company's claims-paying ability and financial strength and do not protect the value of the variable investment options, which are subject to market risk.
For Use With Clients

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.


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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