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See the product fact sheet accompanying this brochure for the withdrawal charge schedule, as these vary by state. 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. Fixed annuities issued by Pacific Life (Newport Beach, CA) are available through licensed, independent third parties. Pacific Life Insurance Company The Pacific Expedition and the Pacific Frontiers II annuities are the company’s fixed annuity products. Non-qualified funds are cash, checking, savings, life insurance cash value, etc. Pacific Life's fixed annuity is called "Pacific Frontiers II" and is offered for investment terms of 5 to 10 years. Policies can be issued for any amount between $10,000 and $1,000,000. In a variable annuity plan, you select the most appropriate investment options for your own unique needs. Your money grows faster because you don’t pay taxes on the interest earned until you withdraw it or it is distributed to you. If you are enrolled in enhanced security, you will then be asked to choose a … 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. Withdrawals after 90 days of contract issue if the owner or annuitant has been confined to an accredited facility that provides skilled nursing care and/or. The following are Next by Pacific Life's fixed (multi-year guaranteed) annuity and income annuity products offered in the marketplace. Many annuity critics point to complexity as being a major negative for this asset class and Pacific Life doesn't dispel this criticism. 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. So buckle up and let's dig in. 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. Not available in California or Massachusetts. Withdrawals from Roth IRA annuities are tax-free as long as the IRS requirements are met. If withdrawals and other distributions are taken prior to age 59½, an additional 10% federal tax may apply. Because you can never predict the future, you still have the ability to access your money when you need it. o Convert your assets to guaranteed lifetime retirement income. WHY CHOOSE A FIXED INDEXED ANNUITY. A deferred fixed annuity is a long-term contract between you and an insurance company that helps: o Grow retirement income through the power of tax deferral. 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). 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 has been helping clients to grow and protect wealth for nearly a century and a half. Variable and fixed annuity products are … Partial withdrawals: Withdraw $500 or more at any time. Pacific Explorer is a deferred fixed annuity that guarantees an interest rate through a specific period of time, and the interest grows Qualified funds are 401k, IRA, SEP, 403b, TSA, etc. Withdrawal charges will generally decrease over time the longer you own your contract. Performance; Fixed Indexed Annuities; Immediate Annuities; Deferred Income Annuities Pacific Life is a Fortune 500 company and the 10th largest seller of variable annuities. For more information:  How Are Annuities Taxed? Throughout the years, this insurer has grown and expanded, both in terms of client base and assets under management. Insurance products are issued by Pacific Life Insurance Company in all states except New York and in New York by Pacific Life & Annuity Company. Required minimum distribution (RMD) withdrawals if calculated by Pacific Life Insurance Company. It is not a fiduciary and therefore does not give advice or make recommendations regarding insurance or investment products. W-4P Please review each form carefully. Imagine what that could mean to your financial future. 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. Purchasing an annuity is a big decision. 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. Fixed annuities issued by Pacific Life (Newport Beach, CA) are available through licensed, independent third parties. Withdrawals up to the Lifetime Annual Withdrawal Amount under the selected optional guaranteed minimum withdrawal benefit, if elected. Opening Thoughts on the Pacific Life Expedition Fixed Deferred Annuity. 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. Product availability and features may vary by state. 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. Fixed index annuities also provide ways to generate lifetime income. Pacific Life Insurance Company (Newport Beach, CA) is licensed to issue products in all states except New York. It is not a fiduciary and therefore does not give advice or make recommendations regarding insurance or investment products. Pacific Life annuities provide a reliable income stream that can give you the peace of mind you need during retirement. Forms are scanned into an imaging system at Pacific Life and highlighting can obscure written entries and instructions. Pacific Life ~ Pacific Index Foundation 7 Review. Product availability and features may vary by state. You should carefully consider your income needs before you purchase a contract. 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. If interest rates have fallen, the MVA can increase the amount withdrawn, up to a specified maximum. If interest rates have fallen, the MVA can increase the amount withdrawn, up to a specified maximum. Variable and fixed annuity products are … Variable Annuities. 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. Product availability and features may vary by state. For the most accurate information, please request info in the Request Quote form. Pacific Life is a product provider. The fixed annuity program is called Pacific Frontiers. The company has variable, fixed indexed, fixed, immediate, and deferred annuity products. The company works with individuals, families, and businesses – and it provides a long list of financial and insurance products. Product availability and features may vary by state. 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 … Life Insurance is tax-free for beneficiaries while annuities are tax-deferred for beneficiaries. Non-qualified funds are cash, checking, savings, life insurance cash value, etc. Qualified funds are 401k, IRA, SEP, 403b, TSA, etc. The Pacific Expedition annuity offers consumers an interest rate guaranteed for the entire term and a purchase payment guarantee. Product availability and features may vary by state. Opening Thoughts on the Pacific Life Index Choice 6 Fixed Indexed Annuity. Opening Thoughts on the Pacific Life Index Foundation Fixed Indexed Annuity. Agents: (888) 748-6907. o Lock in guaranteed interest rates for a term you choose. Disclaimer*:  Brochures may vary by state. Withdrawals up to the Lifetime Annual Withdrawal Amount under the selected optional guaranteed minimum withdrawal benefit, if elected. Annuity withdrawals and other distributions of taxable amounts, including death benefit payouts, will be subject to ordinary income tax. 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. 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. 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. Want to leave as much to your loved ones as possible by ensuring your Death Benefit Base will grow each year. Pacific Life also offers a 5 year and a 10 year version of this annuity. At Pacific Life, one optional benefit you can choose is known as Interest Enhanced Income Benefit 2. 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. TD Ameritrad There is no MVA assessed on withdrawals made after the withdrawal charge period has expired. Withdrawals from Roth IRA annuities are tax-free as long as the IRS requirements are met. For more information:  How Are Annuities Taxed? Pacific Life Insurance Company annuity products are not sponsored, endorsed, sold, or promoted by BlackRock. In addition, the “2018 Confidential Sales Survey of Participating Companies” by LIMRA ranks Pacific Life eighth in terms of fixed annuity sales and tenth in terms of variable annuity sales. Pacific Life Index Dimensions Annuity Brochure, Upside Potential Without The Downside Risk, Stock Market-Based Growth Without Market Risk, Growth Potential With Principal Protection. 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 ~ Pacific Index Foundation 5 Review. Compare and request a quote. 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. Box 2378 Omaha, NE 68103-2378 Pacific Life Index Dimensions 10 is a deferred, fixed indexed annuity that provides safety of principal and growth potential. Policyholders: (800) 748-6907 Fixed index annuities also provide ways to generate lifetime income. Policies can be issued for any amount between $10,000 and $1,000,000. Generate guaranteed lifetime retirement income. Please inquire about Pacific Life Fixed Annuity Rates. 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. Contract Form Series: ICC10:30-1181, 30-1181OR, 30-1294, ICC14:30-1308, 30-1305NJ, ICC16:30-1503, 30-1503OR, ICC17:30-1700, ICC17:30-1800 (state variations may apply) Rider Series: ICC15:20-1406, 20-1406, ICC15:20-1404, 20-1404, ICC18:20-1507, ICC16:20-1504, 20-1504OR, … If withdrawals and other distributions are taken prior to age 59½, an additional 10% federal tax may apply. A withdrawal charge and an MVA also may apply. Both principal and interest will be taxed as ordinary income as you withdraw money. The Pacific Frontiers II annuity offers consumers the option to choose the number of years they can lock in their guaranteed interest rate. Guaranteed Growth for Your Loved Ones, Regardless of Market Performance. If you withdraw money from your annuity before you turn age 59.5, you will receive a penalty of 10% plus ordinary income taxes from the IRS. Variable and fixed annuity products are … 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. Growth potential without being invested in the market. As you plan for retirement, reflect on Pacific Life’s icon, Pacific Life ~ Pacific Index Foundation 10 Review. 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. For each of their investment terms offered, they provide a guaranteed rate of return that's fixed for the entire term. Policyholders: (800) 748-6907 Pacific Index Dimensions is a 10-year fixed index annuity built for a retirement income and enhancing a death benefit. It is not a fiduciary and therefore does not give advice or make recommendations regarding insurance or investment products. Partial withdrawals: Withdraw $500 or more at any time. Even for years in which no interest is credited to the contract, the Death Benefit Base will still increase by 2%. As a general rule, if interest rates have stayed the same or risen since the contract was issued, the MVA can reduce the amount withdrawn. Pacific Life Insurance Company 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. Not available in California. He has trained financial professionals on annuities and insurance products for over 10 years. W13122-20B. Begin by entering your username on the login page. Opening Thoughts on the Pacific Life Index Edge Fixed Indexed Annuity. Generate guaranteed lifetime retirement income. Pacific Life refers to Pacific Life Insurance Company and its affiliates, including Pacific Life & Annuity Company. Opening Thoughts on the Pacific Life Index Edge Fixed Indexed Annuity. Features of Variable Annuities. 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. A: In order to log in to the website, you must enter your username, password, and validate your security token. Consider Pacific Secure Income for conservative pre-retirees and retirees who are: Concerned about expenses later in life. This product can be purchased by anyone that’s at least 22 years old, though its maximum issue age varies by account type: Even for years in which no interest is credited to the contract, the Death Benefit Base will still increase by 2%. At Pacific Life, we will continue to be here for you during uncertain times and beyond. Systematic withdrawals: Withdraw at least $500 either monthly, quarterly, semiannually, or annually. Fixed annuities issued by Pacific Life (Newport Beach, CA) are available through licensed, independent third parties. Pacific Life Index Dimensions 10 is a deferred, fixed indexed annuity that provides safety of principal and growth potential. Follow Shawn at www.annuityexpertadvice.com and on social media below. 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. 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. Many FIAs are more compelling than a plain vanilla fixed annuity. Pacific Index Dimensions is a deferred, fixed indexed annuity that provides safety of principal and growth potential. Only the interest you’ve earned will be taxed as ordinary income as you withdraw money. Want predictable income starting in the future so they may more effectively manage their portfolio. Keeping with the marketplace annuity philosophy, we only included those products that are fully guaranteed with contract terms 100% knowable at purchase. 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. 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. Pacific Index Advisory® An Advisory Fixed Indexed Annuity. 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. Pacific Life refers to Pacific Life Insurance Company and its affiliates, including Pacific Life & Annuity Company. Pacific Life is a product provider. Avoid highlighting forms submitted to Pacific Life. 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. Guaranteed Growth for Your Loved Ones, Regardless of Market Performance. It is not a fiduciary and therefore does not give advice or make recommendations regarding insurance or investment products. For each of their investment terms offered, they provide a guaranteed rate of return that's fixed for the entire term. The rate is declared at contract issue and guaranteed to be no less than the minimum stated in your contract. The Pacific Life Index Foundation 7 annuity is a Fixed Indexed annuity designed for growth (not for income withdrawals). How Pacific Life Describes the Pacific Index Choice 6 Fixed Indexed Annuity. Pacific Index Dimensions is a 7-year fixed index annuity built for a retirement income and enhancing a death benefit. Pacific Life Index Dimensions Annuity Brochure, Upside Potential Without The Downside Risk, Stock Market-Based Growth Without Market Risk, Growth Potential With Principal Protection. Pacific Life Insurance Company has been helping clients to grow and protect wealth for nearly a century and a half. Insurance products are issued by Pacific Life Insurance Company in all states except New York and in New York by Pacific Life & Annuity Company. See the product fact sheet accompanying this brochure for the withdrawal charge schedule, as these vary by state. Shawn Plummer is Director of Advanced Annuity and Insurance Sales representing over 50 insurance companies including Fortune Global 500 Corporations. Omaha, Nebraska 68103-6907 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. Pacific Life Index Foundation 5 Annuity guarantees the safety of the principal just as a traditional fixed annuity does and combines it with growth potential linked to market-based indexes.. Fixed annuities issued by Pacific Life (Newport Beach, CA) are available through licensed, independent third parties. Q: How do I log in to the website? Performance; Fixed Indexed Annuities; Immediate Annuities; Deferred Income Annuities Shawn’s main focus is on educating both financial professionals and consumers on annuities, insurance, and retirement planning strategies. Withdrawal charges will generally decrease over time the longer you own your contract. 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. Agents: (888) 748-6907, skilled nursing care and/or long-term care services. Pacific Life has been helping clients to grow and protect wealth for roughly 150 years. Fixed annuities issued by Pacific Life (Newport Beach, CA) are available through licensed, independent third parties. 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 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). Fixed annuities offer a powerful combination of: Safety of principal; Growth opportunity; Tax deferral; Lifetime income; Legacy protection Provide the opportunity for growth based on the movement of an index. Annuities vary. This makes some Pacific Life FIAs even more so. Pacific Life refers to Pacific Life Insurance Company and its affiliates, including Pacific Life & Annuity Company. As a general rule, if interest rates have stayed the same or risen since the contract was issued, the MVA can reduce the amount withdrawn. Consider adding a fixed indexed annuity to your retirement strategy today. Pacific Life is a Fortune 500 company and the 10th largest seller of variable annuities. The Pacific Life Difference. Product availability and features may vary by state. 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. It is not a fiduciary and therefore does not give advice or make recommendations regarding insurance or investment products. 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