Pacific Life

Grow Retirement Savings With Diverse Investment Options From Variable Annuities.

Achieve growth linked to an index while protecting against losses with tax deferral.

Protects principal with growth potential and lifetime income.

Secure steady income for life while protecting your principal.

Receive guaranteed income for life with flexible start timing.

Secure predictable income for your future retirement needs.

Gain flexible growth opportunities with death benefit protection in one versatile policy.

Provides growth potential and death benefit protection with minimum interest guarantees.

Affordable term life insurance to protect your family's financial future.

Offers comprehensive death benefit protection with cash value growth and customization.

Comprehensive employee benefits supporting health and financial security.

Tailored executive benefit programs designed to support employer compensation strategies.

Ensures retirement security through expert risk management and client engagement.

Delivering Integrated Retirement Income Solutions for Institutions.

Provides reliable, consistent income for retirement planning needs.

Employer Benefits And Retirement Programs

Medium to large employers seeking integrated benefits and retirement programs.

Geography: North America

How we help: Comprehensive, scalable benefits and retirement solutions that help employers attract and retain talent while managing costs and compliance.

Individuals Planning For Retirement And Wealth Preservation

Individuals planning retirement seeking predictable income and wealth protection.

Geography: North America

How we help: Trusted retirement income and life protection solutions that provide predictable, tax-efficient income and wealth transfer opportunities.

Institutional Pension Plan Sponsors

Institutional sponsors seeking risk transfer and retirement income solutions.

Geography: North America

How we help: Pension risk transfer and institutional retirement solutions delivered with high-touch service, designed to secure participant benefits and optimize plan performance.

Financial Advisors And Wealth Managers

Advisors serving clients with retirement, protection, and wealth-building needs.

Geography: North America

How we help: A comprehensive suite of retirement, protection, and wealth products enabling advisors to tailor solutions to client goals.

Products that deliver guaranteed or index-linked lifetime income, principal protection, and tax-deferred accumulation for individual retirees and pre-retirees.

Products: Deferred Income Annuities, Immediate Annuities, Fixed Annuities, Fixed Indexed Annuities, Registered Index-Linked Annuities, Income Horizon, Variable Annuities

Term and permanent life insurance offerings that provide death benefit protection, cash-value accumulation, and index- or market-linked growth options for individuals and beneficiaries.

Products: Term Life Insurance, Universal Life Insurance, Indexed Universal Life Insurance, Variable Universal Life Insurance

Group and executive benefit programs provided through employers to support employee health, financial well-being, retention, and executive compensation planning.

Products: Employee Benefits, Executive Benefits

Institutional offerings focused on pension risk transfer, insured liability-driven investing (LDI), secured buy-ins/buy-outs and institutional income strategies for plan sponsors and institutions.

Products: Pension Solutions, Retirement Solutions

Variable Annuities

Variable annuities are long-term investments that can help you grow retirement savings through a diverse selection of investment options, with taxes deferred until retirement income.

• Customize Investments
  Choose from a range of investment options to align with your financial goals, allowing for tailored growth and risk management over time.
• Defer Taxes Until Retirement
  Enjoy the ability to grow your investments without immediate tax implications, allowing for more accumulation of wealth until you are ready to withdraw.
• Secure Lifetime Income
  Convert your accumulated savings into guaranteed income payments that last for the duration of your life, offering financial peace of mind during retirement.

Registered Index-Linked Annuities

A tax-deferred contract that allows growth without direct market investment, with growth linked to an index (such as the S&P 500) and protection against loss.

• Achieve Growth Without Direct Market Investment
  This feature enables customers to benefit from the growth potential of an index such as the S&P 500 without being directly invested in the market, allowing for market participation while mitigating risk.
• Safeguard Your Investment
  This feature ensures that customers can benefit from market growth while being shielded from significant losses, enhancing financial security in volatile conditions.
• Defer Taxes Until Withdrawal
  This allows customers to grow their investments without the immediate tax burden, leading to potentially larger retirement savings over time.

Fixed Indexed Annuities

Fixed indexed annuities designed to protect principal while providing growth opportunities based on index movement, creating income that can last for life and including a guaranteed death benefit.

• Ensures Steady Income Stream
  This feature guarantees a source of income that lasts throughout your lifetime, along with a death benefit for your beneficiaries, ensuring your loved ones are taken care of.
• Safeguards Your Investment
  Your initial investment is protected, meaning you don't have to worry about market volatility affecting your principal amount, providing peace of mind.
• Offers Strong Potential Growth
  The fixed indexed annuities provide an opportunity for growth tied to a performance index like the S&P 500®, allowing you to benefit from market upswings.
• Defers Tax Liability
  Any earnings generated within the annuity are tax-deferred until withdrawal, allowing for potentially greater accumulation over time compared to taxable investments.

Fixed Annuities

Fixed annuities designed to protect and grow principal at a fixed rate to create a source of lifetime income and provide for loved ones through a death benefit.

• Protects Your Loved Ones
  Ensures financial security for your beneficiaries in the event of your passing.
• Grows Steadily
  Your investment grows reliably at a predetermined interest rate over time.
• Ensures Lifelong Payments
  Receive regular payments for the rest of your life, ensuring financial stability in retirement.
• Guarantees Regular Payments
  Enjoy peace of mind with fixed income streams that you can rely on regardless of market conditions.

Immediate Annuities

Immediate annuities provide reliable income payments that begin on a date you choose within one year of purchase and continue for life.

• Choose Your Payment Start Date
  This allows you to align your income with your financial needs, providing a customizable option for when you want to begin receiving payments.
• Receive Payments For Life
  This feature ensures you receive a steady stream of income, mitigating the risk of outliving your savings.

Deferred Income Annuities

Deferred income annuities provide reliable income payments beginning on a future date you select.

• Receive Steady Income Payments
  Enjoy the peace of mind that comes from guaranteed payments in line with your retirement requirements.
• Select Your Income Start Date
  Tailor your payment schedule to align with your retirement plans and needs.

Variable Universal Life Insurance

Variable universal life insurance offers death benefit protection and the ability to allocate among market-driven and guaranteed investment options, providing flexible growth opportunities.

• Accommodate Growth Objectives
  Tailor your strategy to meet evolving financial goals and risk preferences seamlessly over time.
• Diversify Investment Options
  Select investments that align with your financial objectives while balancing risk and return.
• Secure Beneficiaries
  Ensure financial security for your loved ones with a guaranteed payout at death.
• Adjust Coverage Flexibly
  Change your investment allocations and coverage as your needs evolve, ensuring ongoing alignment with your goals.

Indexed Universal Life Insurance

Indexed universal life insurance offers growth potential through index-based interest crediting rates and guaranteed minimum floors for protection.

• Provides Financial Security
  This feature ensures that policyholders have a safety net against market volatility, guaranteeing a minimum return on their investment.
• Offers Peace of Mind
  This feature ensures that loved ones are financially protected in the event of the policyholder's death, providing a financial safety net.
• Offers Growth Opportunities
  This feature allows the policy to earn interest based on the performance of a specific market index, enabling growth without direct market exposure.

Term Life Insurance

Term life insurance to protect your family or business for the term period of your choosing at competitive premiums.

• Protects Families for Set Duration
  Delivers peace of mind by ensuring that beneficiaries receive a death benefit during the chosen coverage period, providing financial security during critical times.
• Offers Affordable Rates
  Provides customers the ability to secure life insurance at lower costs, allowing greater access to protection for their loved ones.
• Select Coverage Length
  Allows customers to customize their policy duration to match their specific financial needs and family planning goals.

Universal Life Insurance

Universal life insurance provides death benefit protection with cash value growth potential, guaranteed minimum interest crediting rates, and flexible options for customizing coverage.

• Provides Cash Value Growth
  The policy includes provisions for cash value growth, allowing policyholders to accumulate savings over time.
• Ensures Death Benefit Protection
  This feature guarantees a death benefit, helping to provide financial security for beneficiaries.
• Allows Flexible Coverage Options
  Policyholders can customize their coverage to fit their individual needs and financial goals.
• Offers Guaranteed Interest Rates
  Ensures the cash value earns interest at guaranteed minimum rates, providing stability.

Employee Benefits

Pacific Life offers a full range of employee benefits through employers to support employee health and financial well-being.

• Enhances Employee Welfare
  Supporting overall well-being can lead to increased job satisfaction and productivity.
• Offers Support Through Employers
  This structure allows easy access to important benefits, improving employee satisfaction.
• Provides Varied Coverage
  These options help employees manage health expenses and maintain financial security.
• Simplifies Claim Process
  Employees can easily submit claims, ensuring they quickly receive the benefits they need.

Executive Benefits

Executive benefits offering provided to employers to support leadership compensation and planning.

• Enhance Leadership Retention
  Designed to help retain top executive talent through competitive and attractive benefits.
• Support Executive Compensation
  Provides benefits specifically structured to enhance compensation packages for key leaders.

Pension Solutions

Pension Solutions is a leader in Pension Risk Transfer, providing retirement security for participants with best-in-class performance and high-touch client service.

• Offers Proven Expertise
  With decades of experience, we excel in optimizing pension solutions, helping clients achieve financial security.
• Provides Financial Stability
  This option helps mitigate risk by ensuring that investments are protected, offering peace of mind to clients.
• Delivers Personalized Support
  Our dedicated client service team ensures that clients receive tailored assistance, fostering strong relationships and trust.
• Ensures Guaranteed Returns
  This option guarantees a stable income stream, ensuring that clients can meet their long-term financial commitments.

Retirement Solutions

The Institutional Retirement Solutions Group offers a holistic approach to retirement security, leveraging Pacific Life’s nearly 160 years of financial strength to deliver institutional income solutions.

• Provides Comprehensive Support
  A holistic approach ensures personalized and integrated solutions addressing various aspects of retirement planning and management.
• Offers Tailored Income Solutions
  Specifically designed to meet the unique income needs of institutions, enhancing retirement security for participants.
• Utilizes Financial Stability
  Drawing on nearly 160 years of reliable financial performance to foster trust and security in retirement solutions.
• Ensures Best-in-Class Performance
  Provides leading services and support for pension risk transfers, enhancing the assurance of retirement funds.

Income Horizon

Lifetime income product within Pacific Life’s lifetime income solutions framework.

• Guarantees Reliable Income
  As a structured solution, Income Horizon ensures that clients receive consistent income payments based on their preferences, enhancing financial security during retirement.
• Safeguards Investment
  Income Horizon is designed to protect your initial capital, even when drawing income, minimizing risk during retirement.
• Tailors Payments to Needs
  Income Horizon allows clients to adjust their withdrawal amounts and frequency, aligning with their specific retirement strategies.