Discover financial solutions that protect your future and provide peace of mind. Whether you're exploring annuities, life insurance, or understanding employee benefits through your workplace, Pacific Life offers resources and products designed to meet your personal and family goals.
Support your workforce with innovative employee benefits and retirement solutions. Pacific Life partners with business owners, benefits administrators, and pension fund managers to create customized programs that attract and retain top talent while securing their financial future.
Simplify complex retirement and pension risk management with our tailored solutions for large organizations. Pacific Life specializes in working with institutions to address their unique challenges, offering expertise in pension de-risking and strategic retirement planning for a more secure future.
Empower your clients with confidence by leveraging Pacific Life’s comprehensive portfolio of financial products. From annuities to life insurance, we provide the tools, resources, and support to help financial advisors and brokers deliver exceptional value and long-term results.
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Individuals
Discover financial solutions that protect your future and provide peace of mind. Whether you're exploring annuities, life insurance, or understanding employee benefits through your workplace, Pacific Life offers resources and products designed to meet your personal and family goals.
-
Employers
Support your workforce with innovative employee benefits and retirement solutions. Pacific Life partners with business owners, benefits administrators, and pension fund managers to create customized programs that attract and retain top talent while securing their financial future.
-
Institutions
Simplify complex retirement and pension risk management with our tailored solutions for large organizations. Pacific Life specializes in working with institutions to address their unique challenges, offering expertise in pension de-risking and strategic retirement planning for a more secure future.
-
Financial Professionals & Brokers
Empower your clients with confidence by leveraging Pacific Life’s comprehensive portfolio of financial products. From annuities to life insurance, we provide the tools, resources, and support to help financial advisors and brokers deliver exceptional value and long-term results.
I don’t want to simply “get by” in retirement, I want the confidence to enjoy it. | By Carla
You know what scares me most about retirement? The paycheck will be gone. Not that I never intend to work in retirement. I have a hobby creating designer jewelry. I’d like to make a small business out of it. But not forty hours a week. And I don’t expect the profits to be anywhere near what I’ve been making as an IT manager all these years.
Sure, I’ll have savings I can draw on. I’ve been good about contributing to my company’s 401(k) plan. I even have an IRA. But sometimes I fantasize about the day I retire. In that fantasy, my boss hands me a bag filled with all my 401(k) money and says, “Here you go, Carla. Don’t spend it all in one place!” How do I take that bag of money and make sure it lasts? And how long does it need to last? My dad died at age 68 and my mom, bless her soul, died at 98! Which set of genes did I inherit?
Thank goodness my husband Eddie and I have worked most of our lives. He runs a small consulting firm, so we’ll both have some Social Security coming in. Eddie will even have a little pension … something he earned after 10 years with a larger consulting firm. Those are like a paycheck. But will Social Security, Eddie’s pension plus our savings be enough? We don’t want to simply “get by” in retirement, we want to enjoy it. And how do we factor in things like inflation or the possibility of a market downturn?
Last month, we sat down with Eric, our financial professional. We don’t use him all the time, but when we’re thinking about a major transition, like retirement, we’ve found he can help us think through all the issues. Eric talked to us about something called “product allocation.” He reminded us that while we’ve been building our savings, we used asset allocation—that is, diversifying among different types of investments—to help us achieve our goals. Because our goal is shifting from building savings to creating retirement income, Eric suggested we consider product allocation. It means reallocating our assets among different types of financial products that can help us with a multitude of goals, like having income we’ll never outlive, continuing to grow assets to account for inflation, and even having a source of emergency funds for unexpected expenses.
It will take a few more sessions with Eric, but with his help, we’re starting to plot out how and when to put a product allocation strategy into action. And that bag of money I fantasized about? I feel it might last Eddie and I a lot longer than I thought.
Explore How You Can Reach More Life Goals
Plan now, so you’re ready later
For you, family is one of the most important things in your life. You take care of them. They take care of you. Making sure that they’ll always be taken care of, no matter what happens.
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Retirement income
Being happily retired looks different for everybody. Maybe you want steady retirement income that lasts or supplemental income to help you meet the unexpected in life.
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Protect and grow my business
You want your business to maintain its competitive edge. Attracting talent and building a succession plan for the future means you can ensure your business stays in stable hands.
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Plan now, so you’re ready later
For you, family is one of the most important things in your life. You take care of them. They take care of you. Making sure that they’ll always be taken care of, no matter what happens.
LEARN MOREkeyboard_arrow_down
Retirement income
Being happily retired looks different for everybody. Maybe you want steady retirement income that lasts or supplemental income to help you meet the unexpected in life.
LEARN MOREkeyboard_arrow_down
Protect and grow my business
You want your business to maintain its competitive edge. Attracting talent and building a succession plan for the future means you can ensure your business stays in stable hands.
LEARN MOREIn order to sell life insurance, a financial professional must be a properly licensed and appointed life insurance producer.
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 insurance company is solely responsible for the financial obligations accruing under the products it issues.
Pacific Life's Home Office is located in Newport Beach, CA.
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