What is the minimum guaranteed surrender value for Pacific Life – Pacific Expedition® 2 (3-, 5-, and 7-Year Terms)?

Pacific Expedition 2 is an individual limited premium deferred annuity contract that credits a specified interest rate during the chosen initial guaranteed period. The owner makes an initial purchase payment (minimum $25,000) and selects a 3-, 5-, or 7-year initial guarantee term (subject to availability). After the initial guaranteed period ends, a renewal rate is declared each contract anniversary and is guaranteed for one contract year, and it will not be lower than the minimum guaranteed interest rate stated in the contract.

What is the minimum premium amount for Pacific Life – Pacific Expedition® 2 (3-, 5-, and 7-Year Terms)?

The minimum premium amount is $25,000.

What is the maximum issue age for Pacific Life – Pacific Expedition® 2 (3-, 5-, and 7-Year Terms)?

The maximum issue age is 85 years.

What is the current interest rate for Pacific Life – Pacific Expedition® 2 (3-, 5-, and 7-Year Terms)?

The current interest rate is 3.75%.

What is the surrender charge schedule for Pacific Life – Pacific Expedition® 2 (3-, 5-, and 7-Year Terms)?

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.

What are the best rates available for Pacific Life – Pacific Expedition® 2 (3-, 5-, and 7-Year Terms)?

The best available rate is 4.60% for a 7 year term.

Pacific Life

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

About this product

Pacific Expedition® 2 is a deferred fixed annuity issued by Pacific Life Insurance Company that provides fixed, tax-deferred interest growth and principal protection through a purchase payment guarantee, with a guaranteed interest rate locked in for the selected initial guaranteed period (3, 5, or 7 years). It is designed for conservative accumulation, offering steady growth potential without market risk and no annual contract, mortality & expense, or administrative fees.

Available Rates

Rates are based on current simulation settings with premium amount $100,000.00

3 Years	4.30%
5 Years	4.55%
7 Years	4.60%

Available Guarantee Periods

Rates are based on current simulation settings with premium amount $100,000.00

$25,000.00 - $99,999.00	3.75%
$100,000.00 - $1,000,000.00	4.3%

Features
Maximum Issue Age	85 years

Lifetime Income Details

Payout Options

Annuitization

Lump Sum Withdrawal

Additional Options

Actual payout options may vary by insurance carrier and specific products. Common alternatives include:

Life Income Only: Payments for the rest of your life, stopping upon death
Period Certain: Guaranteed payments for a specific time period (5, 10, 15, or 20 years)
Life with Period Certain: Lifetime payments with a minimum guaranteed period
Joint Life: Payments continue for both you and your spouse's lifetimes
Systematic Withdrawal: Regular withdrawals of a specified amount or percentage