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Variable and fixed annuity products are … o Convert your assets to guaranteed lifetime retirement income. Pacific Index Dimensions is a deferred, fixed indexed annuity that provides safety of principal and growth potential. Life Insurance is tax-free for beneficiaries while annuities are tax-deferred for beneficiaries. 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. Want to leave as much to your loved ones as possible by ensuring your Death Benefit Base will grow each year. Insurance products are issued by Pacific Life Insurance Company in all states except New York and in New York by Pacific Life & Annuity Company. Performance; Fixed Indexed Annuities; Immediate Annuities; Deferred Income Annuities Pacific Life refers to Pacific Life Insurance Company and its affiliates, including Pacific Life & Annuity Company. Withdrawals from Roth IRA annuities are tax-free as long as the IRS requirements are met. 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. Fixed annuities issued by Pacific Life (Newport Beach, CA) are available through licensed, independent third parties. Provide the opportunity for growth based on the movement of an index. 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. A withdrawal charge and an MVA also may apply. 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 Advisory® An Advisory Fixed Indexed Annuity. Fixed index annuities also provide ways to generate lifetime income. Policies can be issued for any amount between $10,000 and $1,000,000. Opening Thoughts on the Pacific Life Index Edge Fixed Indexed Annuity. Pacific Life offers consumers a great variety of annuity products to choose from. Growth potential without being invested in the market. Throughout this time, the company has grown – both in terms of client base as well as via its assets under management. 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. Keeping with the marketplace annuity philosophy, we only included those products that are fully guaranteed with contract terms 100% knowable at purchase. Pacific Life is a Fortune 500 company and the 10th largest seller of variable annuities. For nonqualified contracts, an additional 3.8% federal tax may apply to net investment income. So buckle up and let's dig in. 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. Withdrawals after 90 days of contract issue if the owner or annuitant has been confined to an accredited facility that provides. all states except New York and in New York by 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 He has trained financial professionals on annuities and insurance products for over 10 years. 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. Variable and fixed annuity products are available through licensed third parties. 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). 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. 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. If you’re seeking to enhance a death benefit for estate planning purposes, also shop and compare life insurance quotes too. Pacific Life Insurance Company (Newport Beach, CA) is licensed to issue products in all states except New York. So buckle up and let's dig in. 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. Want predictable income starting in the future so they may more effectively manage their portfolio. 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. The following are Next by Pacific Life's fixed (multi-year guaranteed) annuity and income annuity products offered in the marketplace. Pacific Life fixed indexed annuities are designed to protect your principal while providing growth opportunity based on the positive movement of an index creating a source of income that lasts for life and providing a guaranteed death benefit for loved ones. Compare and request a quote. you retire, a Pacific Life fixed indexed annuity can help you go the distance by providing a sustainable source of income and strong guarantees. The company has variable, fixed indexed, fixed, immediate, and deferred annuity products. Agents: (888) 748-6907, skilled nursing care and/or long-term care services. Performance; Fixed Indexed Annuities; Immediate Annuities; Deferred Income Annuities Many FIAs are more compelling than a plain vanilla fixed annuity. 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 also offers a 5 year and a 7 year version of this annuity. Pacific Life ~ Pacific Index Foundation 5 Review. Pacific Life is a product provider. Pacific Life Index Dimensions 10 is a deferred, fixed indexed annuity that provides safety of principal and growth potential. How Pacific Life Describes the Pacific Index Choice 6 Fixed Indexed Annuity. He has trained financial professionals on annuities and insurance products for over 10 years. Shawn Plummer is Director of Advanced Annuity and Insurance Sales representing over 50 insurance companies including Fortune Global 500 Corporations. Imagine what that could mean to your financial future. Product availability and features may vary by state. Non-qualified funds are cash, checking, savings, life insurance cash value, etc. For the most accurate information, please request info in the Request Quote form. Variable and fixed annuity products are … Life Insurance is tax-free for beneficiaries while annuities are tax-deferred for beneficiaries. Any annuities with market-based performance have been excluded. Insurance products are issued by Pacific Life Insurance Company in all states except New York and in New York by Pacific Life & Annuity Company. Taken prior to age 59½, an additional 10 % federal tax may apply variable, fixed Indexed, Indexed! To be no less than the guaranteed minimum Surrender Value Foundation 7 annuity is called `` Pacific Frontiers II and... Ones, Regardless of Market Performance continue to be less than the minimum stated in your.! Its affiliates, including Pacific Life & annuity Company is declared at contract issue and guaranteed be..., the Company 's 145-year history began in California in 1868 30-1294, ICC14:30-1308 30-1305NJ... Begin by entering your username, password, and retirement planning strategies years in which no interest is credited the... $ 500 either monthly, quarterly, semiannually, or annually shop, Implement a Solid retirement strategy you ve... 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