Reliable Growth for Retirement Confidence
Now, you can feel good knowing the money you’re saving for retirement will grow at a fixed rate for the term you choose. Pacific Harbor is a fixed annuity that provides steady growth while also compounding your earnings through the power of tax deferral and your money is not affected by market downturns. And unlike most multi-year fixed annuities, you’ll have access to your money at any time with no surrender charges. So, you’ll feel more confident about your future and more confident now. Why Choose Pacific Harbor? Pacific Harbor is a continuing contract between you and Pacific Life that can help grow, protect, and manage retirement savings in a tax-advantaged way. Consider this strategy if you: Need to grow your money for retirement but aren’t comfortable with market risk. Are close to retirement and want certainty of a rate of return. Want the ability to access to your money when you need it with no withdrawal charges. Have reached 401(k) and/or IRA contribution limits. Think Social Security retirement benefits or pension income won’t cover your expenses.
Pacific Harbor is specifically designed to address some of the most common risks in retirement.
Retirement Risk
Pacific Harbor Offers:
Competitive Interest Rates. Fixed annuities can typically offer higher interest rates than other types of fixed-interest products. In addition, because monies grow tax-deferred, after-tax yield may even be more favorable. Principal Protection. Fixed annuities offer a fixed rate of return with no market participation—all backed by the assets of one of the nation’s largest life insurance companies. 1 Tax-deferred Growth. Earnings accumulate free from current taxation until you make a withdrawal. This ensures your money continues to compound and stay working for you over time.
Low Yields
Market Volatility
Taxes
Outliving your Money
Income and Legacy Options. Create a steady flow of income you can count on or leave your beneficiaries a legacy.
1 Rosanes, M. “Revealed – the 15 largest life insurance companies in the US.” Insurance Business , October 17, 2022.
Insurance products are issued by Pacific Life Insurance Company in all states except New York. Product/material availability and features may vary by state.
No bank guarantee • Not a deposit • May lose value Not FDIC/NCUA insured • Not insured by any federal government agency
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