Fixed annuities let Pacific Life invest your money in low-risk assets that will provide guaranteed returns that have generally been higher than those received from other investment products, such as Certificates of Deposit. Growth potential without being invested in the market. Pacific Life is a product provider. Growth potential without being invested in the market. Non-qualified funds are cash, checking, savings, life insurance cash value, etc. The annuity business has grown in popularity as investors, especially those nearing retirement, look for options to protect themselves from stock market volatility and give them a decent income stream in retirement. Annuities Pacific Life offers a variety of annuities designed to help grow, protect, and manage retirement savings turning it into steady, reliable lifetime income based on your personal preferences and goals. A fixed indexed annuity is a long-term contract between you and an insurance company that helps: As you develop your retirement strategy, it’s important to determine how you will protect and grow your assets. Lifetime Income Benefit, Enhanced Death Benefit, 401k, Cash, IRA, Non-Qualified Money, Roth IRA, Enhanced Death Benefit Option, Lump Sum, Spousal Continuation, Optional Fee For Enhanced Death Benefit, Optional Income Rider Fee, Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming. The company works with individuals, families, and businesses – and it provides a long list of financial and insurance products. Fixed index annuities also provide ways to generate lifetime income. Want to leave as much to your loved ones as possible by ensuring your Death Benefit Base will grow each year. Life Insurance is tax-free for beneficiaries while annuities are tax-deferred for beneficiaries. Pacific Life Index Dimensions Annuity Brochure, Upside Potential Without The Downside Risk, Stock Market-Based Growth Without Market Risk, Growth Potential With Principal Protection. If you make a full withdrawal of your contract value, or upon death or annuitization, you will receive the greater of your contract value minus any applicable withdrawal charges, market value adjustments (MVAs), and optional benefit charges, or the Guaranteed Minimum Surrender Value. Pacific Life ~ Pacific Index Foundation 10 Review. Partial withdrawals: Withdraw $500 or more at any time. Policyholders: (800) 748-6907 It’s rare we don’t find a solution. The fixed annuity program is called Pacific Frontiers. Compare and request a quote. Consider Pacific Secure Income for conservative pre-retirees and retirees who are: Concerned about expenses later in life. Pacific Life refers to Pacific Life Insurance Company and its affiliates, including Pacific Life & Annuity Company. Product availability and features may vary by state. Fixed annuities issued by Pacific Life (Newport Beach, CA) are available through licensed, independent third parties. Withdrawals after 90 days of contract issue if the owner or annuitant has been confined to an accredited facility that provides. Only the interest you’ve earned will be taxed as ordinary income as you withdraw money. It is not a fiduciary and therefore does not give advice or make recommendations regarding insurance or investment products. Systematic withdrawals: Withdraw at least $500 either monthly, quarterly, semiannually, or annually. The Pacific Life Index Foundation 5 annuity is a Fixed Indexed annuity designed for growth (not for income withdrawals). Annuities Pacific Life offers a variety of annuities designed to help grow, protect, and manage retirement savings turning it into steady, reliable lifetime income based on your personal preferences and goals. Opening Thoughts on the Pacific Life Index Choice 6 Fixed Indexed Annuity. For clients desiring predictability, Pacific Index Advisory offers 100% downside protection and allows client to pursue growth without being directly invested in the market. It is not a fiduciary and therefore does not give advice or make recommendations regarding insurance or investment products. Provide the opportunity for growth based on the movement of an index. It is not a fiduciary and therefore does not give advice or make recommendations regarding insurance or investment products. Avoid highlighting forms submitted to Pacific Life. Pacific Explorer is a deferred fixed annuity that guarantees an interest rate through a specific period of time, and the interest grows tax-deferred until you are ready to withdraw the money. Pacific Life Index Dimensions 10 is a deferred, fixed indexed annuity that provides safety of principal and growth potential. Pacific Life Index Dimensions 10 is a deferred, fixed indexed annuity that provides safety of principal and growth potential. Throughout the years, this insurer has grown and expanded, both in terms of client base and assets under management. Guaranteed Growth for Your Loved Ones, Regardless of Market Performance. The rate is declared at contract issue and guaranteed to be no less than the minimum stated in your contract. Withdrawals up to the Lifetime Annual Withdrawal Amount under the selected optional guaranteed minimum withdrawal benefit, if elected. in New York by Pacific Life & Annuity Company. As you plan for retirement, reflect on Pacific Life’s icon, Opening Thoughts on the Pacific Life Index Foundation Fixed Indexed Annuity. Pacific Life is a product provider. Pacific Life also offers a 5 year and a 7 year version of this annuity. A: In order to log in to the website, you must enter your username, password, and validate your security token. Pacific Life offers a fixed indexed annuity (FIA) with an attractive and rare surrender period of only five years and another FIA that offers more generous terms in an otherwise standard product with a typical 10-year surrender period. Contract Form Series: ICC10:30-1181, 30-1181OR (subject to state variations) Pacific Life is a product provider. o Lock in guaranteed interest rates for a term you choose. Forms are scanned into an imaging system at Pacific Life and highlighting can obscure written entries and instructions. Not available in California or Massachusetts. Shawn’s main focus is on educating both financial professionals and consumers on annuities, insurance, and retirement planning strategies. If you have been considering the purchase of a fixed, multi-year guaranteed annuity because you want to get a guaranteed interest rate on your funds, and you want your hard-earned savings to remain safe – regardless of what happens in the stock market – then the Pacific Life Pacific Mariner 3 Year Guaranteed Rate annuity could be a viable option for you. If interest rates have fallen, the MVA can increase the amount withdrawn, up to a specified maximum. Pacific Life refers to Pacific Life Insurance Company and its affiliates, including Pacific Life & Annuity Company. Pacific Explorer is a deferred fixed annuity that guarantees an interest rate through a specific period of time, and the interest grows This product can be purchased by anyone that’s at least 22 years old, though its maximum issue age varies by account type: PO Box 2829 Feel it’s more important to maximize your financial legacy for your loved ones than to maximize income withdrawals for your own use in retirement. Life Insurance is tax-free for beneficiaries while annuities are tax-deferred for beneficiaries. In no event will the MVA cause the withdrawal amount to be less than the Guaranteed Minimum Surrender Value. At Pacific Life, one optional benefit you can choose is known as Interest Enhanced Income Benefit 2. Policies can be issued for any amount between $10,000 and $1,000,000. You may withdraw amounts up to 10% of your purchase payments in the first contract year and 10% of your contract value during the remainder of the withdrawal charge period (based on your contract value from the previous contract anniversary) without a withdrawal charge or market value adjustment (MVA). It is not a security and does not participate directly in the stock market or any index, so your money is not invested in the market. Pacific Life Insurance Company (Newport Beach, CA) is licensed to issue products in all states except New York. Pacific Life Insurance Company annuity products are not sponsored, endorsed, sold, or promoted by BlackRock. Withdrawal charges will generally decrease over time the longer you own your contract. The Guaranteed Minimum Surrender Value is 87.5% (90% in New Jersey) of your total purchase payments, minus any prior withdrawals, accumulated at a fixed interest rate. Pacific Life has been helping clients to grow and protect wealth for nearly a century and a half. Pacific Life is a product provider. Pacific Life is a product provider. o Convert your assets to guaranteed lifetime retirement income. Pacific Life Index Dimensions 10 is a deferred, fixed indexed annuity that provides safety of principal and growth potential. Withdrawals up to the Lifetime Annual Withdrawal Amount under the selected optional guaranteed minimum withdrawal benefit, if elected. The company's 145-year history began in California in 1868. How Pacific Life Describes the Pacific Index Choice 6 Fixed Indexed Annuity. Pacific Life's fixed annuity is called "Pacific Frontiers II" and is offered for investment terms of 5 to 10 years. Omaha, Nebraska 68103-6907 Compare and request a quote. Qualified funds are 401k, IRA, SEP, 403b, TSA, etc. The Pacific Life Index Foundation 10 annuity is a Fixed Indexed annuity designed for growth (not for income withdrawals). As you plan for retirement, reflect on Pacific Life’s icon, the humpback whale, which migrates thousands of miles each year to distant feeding grounds for the purpose of sustaining its life. Withdrawal Request for Fixed Annuities. Generate guaranteed lifetime retirement income. If you’re seeking to enhance a death benefit for estate planning purposes, also shop and compare life insurance quotes too. Withdrawals may begin as soon as 30 days after contract issue and are available through: Withdrawal charges apply only for the withdrawal charge period you select at contract issue, either seven years or 10 years (10-year period is not available in California). Not available in California. Pacific Life refers to Pacific Life Insurance Company and its affiliates, including Pacific Life & Annuity Company. Pacific Index Dimensions is a deferred, fixed indexed annuity that provides safety of principal and growth potential. Lifetime Income Benefit, Enhanced Death Benefit, 401k, Cash, IRA, Non-Qualified Money, Roth IRA, Enhanced Death Benefit Option, Lump Sum, Spousal Continuation, Optional Fee For Enhanced Death Benefit, Optional Income Rider Fee, Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming. For more than 150 years, Pacific Life has helped millions of individuals and families with their financial needs. Pacific Life ~ Pacific Index Foundation 10 Review. Many annuity critics point to complexity as being a major negative for this asset class and Pacific Life doesn't dispel this criticism. Fixed annuities offer a powerful combination of: Safety of principal; Growth opportunity; Tax deferral; Lifetime income; Legacy protection Insurance products are issued by Pacific Life Insurance Company in all states except New York and in New York by Pacific Life & Annuity Company. Monday - Friday, Pacific Time Fixed and Variable Annuities (Financial Advisors) - Pacific Life Toll free: (800) 722-2333 6 a.m. to 5 p.m. Monday - Friday, Pacific Time Fixed and Variable Annuities for New York (Contract Owners and Financial Advisors) - Pacific Life & Annuity Toll free: (800) 748-6907: Regular mail: P.O. However, you have the potential to earn interest based on the movement of three offered indexes and a fixed account that provides a guaranteed interest rate. Contract Form Series: ICC16:30-1503, 30-1503OR, ICC17:30-1700, ICC17:30-1800 (subject to state variations) Pacific Life is a product provider. Non-qualified funds are cash, checking, savings, life insurance cash value, etc. Additionally, you may take withdrawals without a withdrawal charge or MVA for the following reasons: Withdrawals and contract values annuitized before the end of the withdrawal charge period that are in excess of 10% of the prior anniversary’s contract value (10% of purchase payments in the first year), may be subject to an MVA (in addition to any applicable withdrawal charges) depending on your state. See the product fact sheet accompanying this brochure for the withdrawal charge schedule, as these vary by state. Withdrawals after 90 days of contract issue if the owner or annuitant has been confined to an accredited nursing home for 30 days or more and the confinement began after the contract was issued. Qualified funds are 401k, IRA, SEP, 403b, TSA, etc. For nonqualified contracts, an additional 3.8% federal tax may apply to net investment income. This makes some Pacific Life FIAs even more so. A withdrawal charge and an MVA also may apply. Agents: (888) 748-6907, skilled nursing care and/or long-term care services. It is not a security and does not participate directly in the stock market or any index, so your money is not invested in the market. Pacific Index Dimensions is a 10-year fixed index annuity built for a retirement income and enhancing a death benefit. Withdrawals may begin as soon as 30 days after contract issue and are available through: Withdrawal charges apply only for the withdrawal charge period you select at contract issue, either seven or 10 years (10-year period is not available in California). All guarantees are subject to the claims-paying ability and financial strength of the issuing insurance company. The MVA is based on a formula designed to respond to interest-rate movements. So buckle up and let's dig in. Withdrawals after 90 days of contract issue if the owner or annuitant has been confined to an accredited nursing home for 30 days or more and the confinement began after the contract was issued. Pacific Life Insurance Company has been helping clients to grow and protect wealth for nearly a century and a half. W-4P Please review each form carefully. The Pacific Secure Income® annuity is a fixed, deferred contract that’s fee-free and requires a buy-in payment of no less than $15,000. Pacific Life has a full range to fit your specific client needs. Product availability and features may vary by state. Variable Annuities. o Convert your assets to guaranteed lifetime retirement income. Withdrawals will reduce the contract value and the value of the death benefits, the Guaranteed Minimum Surrender Value, and also may reduce the value of any optional benefits. The MVA is based on a formula designed to respond to interest-rate movements. Product availability and features may vary by state. » Get Quotes From Pacific Life & Other Annuity Providers. Policyholders: (800) 748-6907 Insurance products are issued by Pacific Life Insurance Company in all states except New York and in New York by Pacific Life & Annuity Company. Partial withdrawals: Withdraw $500 or more at any time. Fixed annuities issued by Pacific Life (Newport Beach, CA) are available through licensed, independent third parties. As you work with conservative clients who are preparing for retirement or simply need income for life, consider Pacific Life’s suite of fixed annuities. Pacific Life has more than 140 years of experience, and we remain committed to providing quality products, service, and stability to meet your needs today and throughout your lifetime. Pacific Life offers consumers a great variety of annuity products to choose from. Performance; Fixed Indexed Annuities; Immediate Annuities; Deferred Income Annuities Both principal and interest will be taxed as ordinary income as you withdraw money. Feel it’s more important to maximize your financial legacy for your loved ones than to maximize income withdrawals for your own use in retirement. At Pacific Life, we will continue to be here for you during uncertain times and beyond. Variable Annuities. If you have questions regarding how to complete these forms, please contact our Customer Service Specialists at (800) 722-4448 and in New York at (800) 748-6907. Please inquire about Pacific Life Fixed Annuity Rates. Withdrawals after the first contract year (after contract issue in Texas) if the owner or annuitant is diagnosed with a terminal illness and has a life expectancy of 12 months (24 months in Kansas) or fewer. Fixed annuities issued by Pacific Life (Newport Beach, CA) are available through licensed, independent third parties. For each of their investment terms offered, they provide a guaranteed rate of return that's fixed for the entire term. It is not a fiduciary and therefore does not give advice or make recommendations regarding insurance or investment products. This makes some Pacific Life FIAs even more so. The company's 145-year history began in California in 1868. It is not a security and does not participate directly in the stock market or any index, so your money is not invested in the market. If you have been considering the purchase of a fixed, multi-year guaranteed annuity because you want to get a guaranteed interest rate on your funds, and you want your hard-earned savings to remain safe – regardless of what happens in the stock market – then the Pacific Life Pacific Mariner 3 Year Guaranteed Rate annuity could be a viable option for you. Please inquire about Pacific Life Fixed Annuity Rates. Even for years in which no interest is credited to the contract, the Death Benefit Base will still increase by 2%. Guaranteed Growth for Your Loved Ones, Regardless of Market Performance. For more information: How Are Annuities Taxed? Pacific Life has more than 145 years of experience in helping its clients to grow and protect wealth. Insurance products are issued by Pacific Life Insurance Company in all states except New York and in New York by Pacific Life & Annuity Company. Shawn’s main focus is on educating both financial professionals and consumers on annuities, insurance, and retirement planning strategies. If interest rates have fallen, the MVA can increase the amount withdrawn, up to a specified maximum. Pacific Index Foundation 7 fixed index annuity is a 7-year retirement plan designed to protect against stock market volatility while safely growing your savings, and offering an option enhanced death benefit for estate planning. Want to potentially reduce current taxes and increase lifetime income with a qualified longevity annuity contract (QLAC). A withdrawal charge and an MVA also may apply. Pacific Life describes the Pacific Index Choice 6 fixed indexed annuity as a limited premium, deferred, annuity that offers six different index-linked crediting options, as well as a fixed … Pacific Life announced today that Pacific Index Foundation®, a deferred fixed indexed annuity, is now available to TD Ameritrade clients. And with Pacific Index Foundation, clients can be sure rates and caps will not change throughout the entire withdrawal charge period, a longer guarantee than a typical fixed indexed annuity provides” says Christine Tucker, vice president of marketing for Pacific Life’s Retirement Solutions Division. You should carefully consider your income needs before you purchase a contract. Performance; Fixed Indexed Annuities; Immediate Annuities; Deferred Income Annuities You may purchase only one optional benefit with your fixed indexed annuity contract, so consider an Enhanced Death Benefit if you: The optional Interest Enhanced Death Benefit will increase the Death Benefit Base in both up and down markets based on interest earned on the contract plus a 2% roll-up, compounded annually. Many FIAs are more compelling than a plain vanilla fixed annuity. The Pacific Frontiers II annuity offers consumers the option to choose the number of years they can lock in their guaranteed interest rate. A fixed indexed annuity is a long-term contract between you and an insurance company that helps: As you develop your retirement strategy, it’s important to determine how you will protect and grow your assets. Throughout this time, the company has grown – both in terms of client base as well as via its assets under management. If you are enrolled in enhanced security, you will then be asked to choose a … WHY CHOOSE A FIXED INDEXED ANNUITY. Want to leave as much to your loved ones as possible by ensuring your Death Benefit Base will grow each year. He has trained financial professionals on annuities and insurance products for over 10 years. For each of their investment terms offered, they provide a guaranteed rate of return that's fixed for the entire term. Pacific Life has been helping clients to grow and protect wealth for roughly 150 years. According to Pacific Life’s financial review from 2018, it has $158 billion in assets, with $913 million in annual revenue for the year. Contract Form Series: ICC10:30-1181, 30-1181OR (subject to state variations) Pacific Life is a product provider. The rate is declared at contract issue and guaranteed to be no less than the minimum stated in your contract. Pacific Life refers to Pacific Life Insurance Company and its affiliates, including Pacific Life & Annuity Company. Pacific Index Advisory® An Advisory Fixed Indexed Annuity. However, you have the potential to earn interest based on the movement of three offered indexes and a fixed account that provides a guaranteed interest rate. Follow Shawn at www.annuityexpertadvice.com and on social media below. Only the interest you’ve earned will be taxed as ordinary income as you withdraw money. You may withdraw amounts up to 10% of your purchase payments in the first contract year and 10% of your contract value during the remainder of the withdrawal charge period (based on your contract value from the previous contract anniversary) without a withdrawal charge or market value adjustment (MVA). you retire, a Pacific Life fixed indexed annuity can help you go the distance by providing a sustainable source of income and strong guarantees. Q: How do I log in to the website? A fixed indexed annuity from Pacific Life helps build your assets, protects your principal, and provides you with protected income payments for your entire life. If you make a full withdrawal of your contract value, or upon death or annuitization, you will receive the greater of your contract value minus any applicable withdrawal charges, market value adjustments (MVAs), and optional benefit charges, or the Guaranteed Minimum Surrender Value. TD Ameritrad Pacific Life is a Fortune 500 company and the 10th largest seller of variable annuities. Throughout the years, this insurer has grown and expanded, both in terms of client base and assets under management. Pacific Life ~ Pacific Index Foundation 7 Review. Generate guaranteed lifetime retirement income. The company has variable, fixed indexed, fixed, immediate, and deferred annuity products. There is no MVA assessed on withdrawals made after the withdrawal charge period has expired. Purchasing an annuity is a big decision. 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