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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 

Applies only during guaranteed period; same structure as standard plan.

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.

Annual renewal rate set by Pacific Life post-guaranteed period.

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.

Contract value paid to beneficiary if death occurs before income payments begin.

Waivers for RMDs (if calculated by Pacific Life), terminal illness, nursing home confinement, death.

First year: 10% of purchase payments  - Subsequent years: 10% of prior anniversary value.

You can choose an initial guaranteed period of 3, 5, or 7 years. After this period ends, Pacific Life declares a new rate annually, guaranteed for one contract year. The renewal rate never drops below the contract’s minimum guaranteed rate. There are no annual contract, M&E, or admin fees. Withdrawals and distributions may incur taxes and charges 

 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 Expedition® II NY – With GROP

Pacific Expedition II