Pacific Life, its distributors, and respective representatives do not provide tax, accounting, or legal advice. Any taxpayer should see advice based on the taxpayer's particular circumstances from an independent tax advisor or attorney. 

Pacific Life is a product provider. It is not a fiduciary and therefore does not give advice or make recommendations regarding insurance or investment products. 

Pacific Life Insurance Company (Newport Beach, CA) is licensend to issue products in all states except New York. Product availability and features may vary by state. Fixed annuity products are available through licensed third parties. 

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