Pacific Life Annuities: Shopping by Carrier

Pacific Life and Annuity Company offers a variety of annuity  plans. Pacific Life annuities are chiefly of the variable type, and the company  provides seven different variable annuity plans and only one fixed annuity  option. The Pacific Life annuities are the Pacific Innovations Select, Pacific  Value, Pacific Voyage, Pacific Value Edge, Pacific One Select, Pacific Journey,  and Pacific Odyssey plans. These are variable annuities. The fixed annuity  program is called Pacific Frontiers.

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Features of Variable  Annuities

In a variable annuity plan, you select the most appropriate  investment options for your own unique needs. Then your money is placed into  professionally managed investment portfolios so that the value of the annuity  will increase over the years, tax-free. No taxes are paid on the funds until  earnings are withdrawn. A variable annuity can be structured to provide a  regular stream of income payments for an entire lifetime.

Example of a Pacific  Life Variable Annuity Plan

Pacific  Innovations Select is an individual flexible premium deferred variable annuity  plan. You can select from a variety of investment options, and the performance  of these investments impacts the value of the annuity plan during its accumulation  phase. A minimum investment of $10,000 is required for a non-qualified contract  and a minimum of $2,000 for a qualified contract. Additional investments must  total at least $250 for the non-qualified and $50 for the qualified plan.

Fixed  Annuity Features

A  fixed annuity plan is designed for long-term investing and is appropriate for  those who want a guaranteed, fixed interest rate without risking any of the  principal investment amount. 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.

Don't Just Shop, Implement a Solid Retirement Strategy

Purchasing an annuity is a big decision. Online research is a good start, but prudent investors should discuss all their options and risks with an independent financial advisor. Request a free, no-obligation consultation today, along with a report of current rates on brand-name annuities.

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Develop  a Retirement Strategy

When considering a Pacific Life annuity, you  should investigate the array of investment options available. The variable  annuity plans from Pacific Life feature investments such as small-cap growth,  international value, equity index, diversified research, American growth income  funds, multi-strategy, emerging markets, and inflation managed portfolios,  among many others. These options provide for current income, long-term income,  long-term capital growth, and maximized total returns, depending on the mix of  investments chosen. When you are devising your retirement strategy, review your  financial circumstances periodically and monitor your current investments to  ensure they are responsive to changing conditions. Consulting a financial  professional is highly recommended before choosing any annuity plan.

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