Ask your financial professional if a Pacific Harbor fixed annuity can complement your financial plan. PacificLife.com
Pacific Harbor is not available in New York. Pacific Life, its affiliates, their distributors, and respective representatives do not provide tax, accounting, or legal advice. Any taxpayer should seek advice based on the taxpayer’s particular circumstances from an independent tax advisor or attorney. Pacific Life is a product provider. It is not a fiduciary and therefore does not give advice or make recommendations regarding insurance or investment products. Fixed annuities are long-term contracts designed for retirement. Annuity withdrawals are taxable as ordinary income when distributed and may be subject to a 10% additional federal income tax if withdrawn before age 59½. For nonqualified contracts, an additional 3.8% federal tax may apply on net investment income. Withdrawals will reduce the contract value. 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. The Guaranteed Minimum Surrender Value (GMSV) applies to contracts upon full surrender, annuitization, or death. The GMSV is equal to 87.5% of purchase payments (minus any withdrawals), accumulated at a fixed interest rate. Pacific Harbor is named “Individual Limited Premium Deferred Annuity Contract with Market Value Adjustment Feature” in the contract. Pacific Life Insurance Company is licensed to issue insurance products in all states except New York. Product/material availability and features may vary by state. The home office for Pacific Life Insurance Company is located in Omaha, Nebraska.
Contract Form Series: ICC21:30-1449 Endorsement: ICC21:15-1435 State variations to contract form series and endorsements may apply. FAC2350RIA-0623
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