credits

Fixed Annuities | Pacific Life Insurance Company

Pacific Index Choice and Pacific Index Edge are not available in New York.

Annuity withdrawals and other distributions of taxable amounts, including death benefit payouts, will be subject to ordinary income tax. For nonqualified contracts, an additional 3.8% federal tax may apply on net investment income. If withdrawals and other distributions are taken prior to age 59½, an additional 10% federal tax may apply. A withdrawal charge and a market value adjustment (MVA) also may apply. Withdrawals will reduce the contract value and the value of the death benefits, and also may reduce the value of any optional benefits.

No guaranteed rate will be less than the minimum guaranteed rate stated in the contract. Pacific Life determines, at its discretion, annual interest rates in excess of the stated minimum guarantee in the contract.

Pacific Life refers to Pacific Life Insurance Company and its affiliates, including Pacific Life & Annuity Company. Insurance products are issued by Pacific Life Insurance Company in all states except New York and in New York by Pacific Life & Annuity Company. Product availability and features may vary by state. Each company is solely responsible for the financial obligations accruing under the products it issues. Insurance product and rider guarantees

are backed by the financial strength and claims-paying ability of the issuing company. Product availability and features may vary by state. Each insurance company is solely responsible for the financial obligations accruing under the products it issues. Insurance product and rider guarantees, including optional benefits and any fixed crediting rates or annuity payout rates, are backed by the financial strength and claims-paying ability of the issuing insurance company. They are not backed by the independent third party from which this annuity is purchased, including the broker/dealer, by the insurance agency from which this annuity is purchased, or any affiliates of those entities, and none makes any representations or guarantees regarding the claims-paying ability of the issuing insurance company.

Fixed annuities issued by Pacific Life (Newport Beach, CA) are available through licensed, independent parties.

Contract form series: 30-1229, ICC12:30-1229, 30-2229-13, 30-1229-R, ICC12:30-1229-R, 30-2229-R-13, 30-1165-1, ICC09:30-1165-1, 30-1165OR-1, 30-2165-1, 30-1173, ICC09:30-1173, 30-1173OR, 30-2173-13, 30-1282, ICC13:30-1282, 30-1282CA, 30-1209, ICC11:30-1209, 30-1209OR, 30-1181, ICC10:30-1181, 30-1181OR, 30-2181-13, 30-1294, ICC14:30-1308, 30-2294, 30-2305, 30-1503, ICC16:30-1503. Rider series: 20-1283, ICC13:20-1283, 20-1284, ICC13:20-1284, 20-1283CA, 20-1284CA, 20-1210-2, ICC11:20-1210-2, 20-1210OR-2, 20-1211-2, ICC11:20-1211-2, 20-1211OR-2, 20-1299, ICC14:20-1309, 20-2299, 20-1300, 20-2300, 20-1404, ICC15:20-1404, 20-1405, 20-1406, ICC15:20-1406, 20-1500, ICC15:20-1500, 20-1504, ICC16:20-1504, 20-1505, ICC16:20-1505, 20-1506, ICC16:20-1506, Endorsement Series: 15-1403, ICC16:15-1403.


Category: Annuity

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