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Pacific Life Protective Growth (with Income Guard) RILA In-depth Review

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Applies only during selected period. Ranges from 8% to 4% (7-yr), see full schedule below.

Contract value upon death prior to annuitization.

Waivers for RMDs, terminal illness, nursing home confinement, and death.

Same as standard product (10% of basis/year).

Designed for clients preferring simpler fixed annuity contracts without premium guarantees, this product includes flexible rate periods, optional payout choices, and a minimum guaranteed rate protection in the state of New York.

After initial period, new rate set annually, never lower than guaranteed minimum.

GMSV available at surrender, annuitization, or death (not in all states).

New York excludes the Guaranteed Return of Premium option.

 It still offers fixed growth, steady rates, and tax-deferred accumulation, with full access to the standard waiver features 

Pacific Life Protective Growth Registered Index-Linked Annuity (RILA) In-depth Review 

Withdrawals that exceed the free-withdrawal amounts during the withdrawal charge period are subject to withdrawal charges, based on the selected initial guaranteed period (3, 5, or 7 years). Withdrawal charges apply only during the initial guaranteed period when amounts taken are more than those permitted under “Withdrawals without Charge.”

If death occurs before annuity income payments begin, a death benefit equal to the contract value is paid at the death of the first owner or the last annuitant.

 Required minimum distribution (RMD) withdrawals (calculated by Pacific Life).  

 Withdrawals after the first contract year if diagnosed with a terminal illness (life expectancy of 12 months or fewer). Not available in California.  

 Withdrawals after the first 90 days if confined to an accredited nursing home for 30 days or more, as long as not confined when the contract is issued. Not available in California.  

• Annuity income payments (available after the first contract year). 

You may withdraw amounts up to 10% of your purchase payments in the first contract year and 10% annually of your contract value during the remainder of the withdrawal charge period (based on the contract value from the previous contract anniversary) without a withdrawal charge.

The product is designed for clients in New York seeking principal protection and income stability, with added peace of mind from the guaranteed return feature. It includes fixed interest rates, no annual contract or admin fees, and guarantees based on Pacific Life’s claims-paying ability.

After the initial guaranteed period expires and on all subsequent contract anniversaries, a renewal rate will be declared by Pacific Life and guaranteed for one year. The renewal rate will never be lower than the minimum guaranteed interest rate stated in the contract.

Withdrawals above the free-withdrawal amounts during the withdrawal charge period may be subject to withdrawal charges. 

offers the same deferred fixed annuity features as the standard version but includes a Guaranteed Return of Premium benefit, ensuring the return of total purchase payments upon full withdrawal regardless of market conditions.

Withdrawal charges apply only during the chosen initial guaranteed period, and apply when amounts taken are more than the contract’s no-charge withdrawal provisions. Charges decline by year and reach 0% after the schedule ends. 

If death occurs before annuity income payments begin, a death benefit equal to the contract value is paid on the death of the first owner or the last annuitant.

 Withdrawal charges are waived for required minimum distribution (RMD) withdrawals only if calculated by Pacific Life.  

Withdrawal charges are waived after the first contract year if diagnosed with terminal illness (life expectancy of 12 months or fewer), except in California.  

Withdrawal charges are waived after 90 days of contract issue if confined to an accredited nursing home for 30 days or more, as long as the confinement began after the contract was issued (except in California).  

 Withdrawal charges are waived for death benefit proceeds.  

 Withdrawal charges are waived for annuity income payments (available after the first contract year).  

Withdrawals are permitted 30 days after contract issue. In the first contract year, up to 10% of total purchase payments may be withdrawn without a withdrawal charge. In subsequent years, up to 10% of the previous anniversary’s contract value may be withdrawn without a withdrawal charge.

Pacific Expedition 2 is a limited premium deferred fixed annuity. The initial guaranteed rate applies for the full selected initial guaranteed period. After that period ends, Pacific Life declares a renewal rate each contract anniversary, guaranteed for one contract year, and it will not be lower than the minimum guaranteed interest rate stated in the contract. 

After the initial guaranteed period expires, Pacific Life declares a renewal rate each contract anniversary, guaranteed for one year, and not less than the minimum guaranteed interest rate stated in the contract.

The contract includes a Guaranteed Minimum Surrender Value (GMSV) that may apply upon full surrender, annuitization, or death, and may not apply in all states.

 is a deferred fixed annuity designed to offer principal protection and a steady rate of interest during the withdrawal charge period. It provides flexibility through multiple guaranteed rate period options and allows for steady retirement income planning.

Pacific Expedition® II NY – Without GROP

Pacific Life – Pacific Expedition® 2 NY – with GROP

Pacific Life – Pacific Expedition® 2 (3-, 5-, and 7-Year Terms)