Give Clients a Floor without a Ceiling
Protected Investment Benefit1 is an optional benefit available with certain Pacific Life variable annuities. It offers downside protection and unlimited growth potential, a strategy to consider for risk-averse clients looking to pursue growth while minimizing downside risk.
Available in New York Only
Three Reasons for Clients to Choose Protected Investment Benefit

Growth
Unlimited growth potential with equity exposure as high as 80% and a variety of asset-allocation options2 to choose from
Protection
90% guaranteed protection of first-year purchase payments at the end of 5 years or 100% at the end of 7 years

Transparency
Locked-in pricing will not increase while in effect; as of 5/1/24, the annual charges are 1.20%
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1Protected Investment Benefit is available with Pacific Choice 2 for an additional cost.
2To elect Protected Investment Benefit, your contract must be allocated according to the investment allocation requirements the Company has in effect, which are subject to change.
3The annual charges as of 5/1/24 apply only to new contracts issued on or after 7/3/23 and do not impact existing riders.
Subject to state and broker/dealer availability.
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.
The value of the variable investment options will fluctuate so that shares, when redeemed, may be worth more or less than the original cost.
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 income 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.
Not all optional benefits are available at all firms or in all states. Contact your broker/dealer or Pacific Life for more information.
Guarantees, including optional benefits, are subject to the issuing company’s claims-paying ability and financial strength. They do not protect the value of the variable investment options, which are subject to market risk.
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: 10-2352
Rider Series: 20-2354, 20-2355
State variations to contract form series and rider series may apply.
24-156A
VAQ1486WPNY-2401