Pacific Life Insurance Company is one of the reputable insurance companies that are known to offer variable annuities. Thus, pacific life variable annuity is issued by pacific life insurance company distributed by pacific select distributors, Inc.; which is a subsidiary of pacific life, and are made available to investors through licensed third-party broker and dealers. The insurance company has existed since 1868 providing a wide range of life insurance products like annuities, and mutual funds, and offers a variety of investment products and services to individuals, businesses, and pension plans. With over a 100 of U.S largest companies as its clients this has made it a household name in financial related matters. Their efficiency in the area of financial investment is also amplified in their variable annuity product which is one of the best in the U.S.

Pacific life variable annuity is designed for long term retirement needs, which offers customers more opportunity for growth through lower fees over the life of the contract and no surrender charge fees. Their variable annuity fees include an up front sales charge, and annual expense and administrative fees. Although a withdrawal may reduce clients’ assured income and account values, they will never attract a surrender charge on a withdrawal. The pacific life variable annuity gives customers the access to the power of diversification, which includes four asset allocation categories. Customers also may opt to add automatic income builder which is an optional withdrawal benefit for an additional cost to a pacific life variable annuity contract.  Like in all variable annuity contracts, it also has a death and tax-deferral benefits with other attractive packages which enhances your variable annuity contract.

Pacific life variable annuity can be obtained in all the states of the U.S. Product availability and features may however vary from state to state. In all these places, they have well trained professionals who have high knowledge in the area of variable annuity to counsel you. Their customer care is always available to give you direction with regard to your pacific life variable annuity account. They also have effective online services, which makes it a lot easier for you to monitor your accounts or variable annuity contract so as to know the updates about them.

Meanwhile, before investing in a pacific life variable annuity, you should consider carefully the investment risks, charges, limitations and expenses. Take a thorough look at the terms and conditions of the pacific life variable annuity before purchasing. It is always better to seek the advice of a financial professional to guide you before you decide to invest.

Pacific life variable annuity has remained one of the frontline variable annuities that have helped a lot of Americans in realizing a risk free retirement plans. This has gone a long way to consolidate their credibility in variable annuity concerns. They are known to pay their clients’ annuity entitlement as at when due. Their continued operation in the industry is backed up by the fact that the company is FDIC insured. Indeed, you have nothing to worry about investing in pacific life variable annuity.