Protected Investment Benefit

Take the Emotion Out of Investing


If your clients are hesitant to invest when the markets are volatile, consider the optional Protected Investment Benefit. It offers downside protection, unlimited growth potential, and the ability to invest up to 80% in equities.


Consider this for clients who:

  • Are nearing retirement.
  • May be fearful of investing and looking to minimize downside risk.
  • Want unlimited growth potential.

Protected Investment Benefit must be added at contract issue or up to 60 days from contract issue date.





  • 5-Year Option: 90% of first-year purchase payments.
  • 10-Year Option: 105% of first-year purchase payments.

Investment Options

A variety of asset-allocation options with equity exposure as high as 80%.



Withdrawals during the term reduce the protected amount on a proportionate basis. This adjustment can be more or less than the amount withdrawn.


Take the Next Step

Pacific Life has helped millions of people achieve their retirement goals for more than 150 years. Let's talk about how we can help you build the future your clients envision.



Guarantees are subject to the claims-paying ability and financial strength of the issuing insurance company and do not protect the value of the variable investment options, which are subject to market risk.

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.

Protected Investment Benefit is named "Guaranteed Minimum Accumulation Benefit" in the contract rider.

Purchase payments made after the first contract year will not be protected under the optional benefit. Any additional purchase payments made after the first contract anniversary will increase the contract value and may reduce the benefit provided by the rider.

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

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

Rider Series: 20-1354, 20-1355, ICC20:20-1355 (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.