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...
Find a Solution for Your Clients' Needs
- Growth
- Protection
- Income
- Wealth Transfer
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.
Pacific Choice 2
For clients who want to grow their savings through market-based growth and a variety of investment options.
Pacific Odyssey
A fee-based variable annuity providing access to market-based growth through a wide variety of investment options.
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.
Pacific Choice 2
With Investment Guard
Designed for clients who want to protect their assets while seeking upside potential.
Pacific Odyssey
With Investment Guard
Designed for clients who want to protect their assets while seeking upside potential.
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.
Pacific Choice 2
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.
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.
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.
Pacific Choice 2
With Optional Return-of-Premium Death Benefit, Stepped-Up Death Benefit or Earnings Enhanced Death Benefit
Designed for clients seeking upside potential and who wish to leave a financial legacy.
Pacific Choice Income
With Optional Return-of-Premium Death Benefit
Designed for clients seeking upside potential and who wish to leave a financial legacy with Optional Return Of Premium Death Benefit
Pacific Odyssey
With Optional Stepped-Up Death Benefit
A fee-based variable annuity for clients seeking upside potential and who wish to leave a financial legacy.
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.
Resources
Variable Annuity Education
Performance & Key Documents
VAP0583-0224H
1Available for an additional cost.
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 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 income 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.
Variable annuities (ICC10:10-1185, ICC10:10-1185-L, 10-1185OR, 10-1185OR-L, 10-17800, 10-178OR, including state variations) are issued by Pacific Life.