ÐÔÊÀ½ç´«Ã½

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, ÐÔÊÀ½ç´«Ã½ offers resources and products designed to meet your personal and family goals.

Support your workforce with innovative employee benefits and retirement solutions. ÐÔÊÀ½ç´«Ã½ 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. ÐÔÊÀ½ç´«Ã½ 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 ÐÔÊÀ½ç´«Ã½â€™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.

  • 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, ÐÔÊÀ½ç´«Ã½ offers resources and products designed to meet your personal and family goals.

  • Employers

    Support your workforce with innovative employee benefits and retirement solutions. ÐÔÊÀ½ç´«Ã½ 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. ÐÔÊÀ½ç´«Ã½ 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 ÐÔÊÀ½ç´«Ã½â€™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.

Optional Benefits

Available with Variable Annuities

Markets are unpredictable, but with ÐÔÊÀ½ç´«Ã½ optional benefits, you can have valuable protection from a market downturn. We offer several types of optional benefits for an additional cost.
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Lifetime Withdrawals
These optional benefits enable you to take steady, lifetime withdrawals, no matter how markets perform.

Investment Protection
These optional benefits help protect your initial investment by minimizing the loss experienced in a down market.

Family Protection
If you should pass away unexpectedly, a choice of optional death benefits can lock in market gains for beneficiaries or help offset the impact of taxes.

Confidence in your future starts here

Find a Financial Professional
You want to reach your goals. A financial professional can help you get there.

Optional benefits are available for an additional cost and are subject to availability, restrictions, and limitations. Please see the prospectus for details.

ÐÔÊÀ½ç´«Ã½, its distributors, and respective representatives do not provide tax, accounting, or legal advice. Any taxpayer should seek advice based on the taxpayer's particular circumstances from an independent tax advisor or attorney.

You should carefully consider a variable annuity’s risks, charges, limitations, and expenses, as well as the risks, charges, expenses, and investment goals of the underlying investment options. This and other information about ÐÔÊÀ½ç´«Ã½ are provided in the product and underlying fundÌýprospectuses which are available from your financial professional or by clickingÌýhere. Read them carefully before investing.

Annuity withdrawals and other distributions of taxable amounts, including death benefit payouts, will be subject to ordinary income tax. For nonqualified contracts, an additional 3.8% federal tax may apply on net investment income. If withdrawals and other distributions are taken prior to age 59½, an additional 10% federal tax may apply. A withdrawal charge also may apply. Withdrawals will reduce the contract value and the value of the death benefits, and also may reduce the value of any optional benefits.Ìý

Broker/dealer and state variations may apply. Contact your broker/dealer for availability.

ÐÔÊÀ½ç´«Ã½ refers to ÐÔÊÀ½ç´«Ã½ and its affiliates, including ÐÔÊÀ½ç´«Ã½ & Annuity Company. Insurance products are issued by ÐÔÊÀ½ç´«Ã½ in all states except New York and in New York by ÐÔÊÀ½ç´«Ã½ & 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.

Variable insurance products are distributed by Pacific Select Distributors, LLC (member & ), a subsidiary of ÐÔÊÀ½ç´«Ã½ (Newport Beach, CA) and an affiliate of ÐÔÊÀ½ç´«Ã½ & Annuity Company, and are available through licensed third parties.

ÐÔÊÀ½ç´«Ã½ is a product provider. It is not a fiduciary and therefore does not give advice or make recommendations regarding insurance or investment products.

No bank guarantee • Not a deposit • Not FDIC/NCUA insured • May lose value • Not insured by any federal government agency

Check the background of your financial professional onÌý.

VAC1097-0919H

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