Add Investment Guard2 to:
Add Core Income Advantage (CIA) Select2 to:
Add optional Stepped-Up Death Benefit2 to lock in market gains that can be passed to the next generation.
Add optional Earnings Enhancement Death Benefit2 to help offset the impact of taxes during wealth transfers.
Add optional Return-of-Premium Death Benefit2 to lock in a minimum amount that can be passed down to the next generation.
For complete product details, view the Pacific Choice 2 Fact Sheet →
For aggregate purchase payments totaling more than $1 million, contact Pacific Life for approval.
M&E Risk Charge
(0.80% for contract values between $500,000—$999,999)4
(0.75% for contract values over $1 million)4
Annual Contract Fee
Total Net Fund Expense Range
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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.
Broker/dealer and state variations may apply. Contact your broker/dealer for availability.
Annuity withdrawals are taxable as ordinary income when distributed and may be subject to a 10% additional tax if withdrawn before age 59½. For nonqualified contracts, an additional 3.8% federal tax may apply on net investment income. Withdrawals will reduce the contract value and the value of the death benefits, and also may reduce the value of any optional benefits. The value of the variable investment options will fluctuate so that shares, when redeemed, may be worth more or less than the original cost.
Core Income Advantage Select is named “Guaranteed Withdrawal Benefit X Rider–Single Life” and “Guaranteed Withdrawal Benefit X Rider–Joint Life” in the contract rider. Investment Guard is named “Guaranteed Minimum Accumulation Benefit” in the contract rider.
Contract Form Series: ICC22:10-1352
Rider Series: ICC13:20-1258, ICC13:20-1259, ICC14:20-1295, ICC22:20-1125-B, ICC22:20-1126-B, ICC22:20-1356-A, ICC22:20-1357-A, ICC22:20-1358-A, ICC22:20-1359-A, ICC22:20-1360-A, ICC22:20-1361-A (state variation 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.