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Building Your Financial House.

Pacific Life Introduces New Consumer Guide

NEWPORT BEACH, Calif. -- "Imagine yourself living here," is uttered by real estate agents daily. But when it comes to your financial house, how many of us avoid thinking ahead, "imagining ourselves there?" That's why Pacific Life Insurance Company and Pacific Life & Annuity Company have introduced a new consumer education guide, Building Your Financial House, to help explain the benefits of owning permanent cash value life insurance.

Building Your Financial House offers insights into how life insurance can be an integral part of financial planning. Topics discussed in the guide include:

* How life insurance works

* Determining the amount of life insurance to help achieve financial goals

* Tax benefits

* Potential cash value growth and supplemental retirement income1

According to Alyce Peterson, vice president of marketing services for the Life Insurance Division of Pacific Life, "Life insurance is a precaution we can take to help protect our family, our business or our retirement from an unexpected setback such as a premature death. Plus, the cash value in permanent life insurance offers the potential to build toward goals such as supplementing retirement income," Peterson continued.

To receive a copy of Building Your Financial House, contact your financial or life insurance professional. Professionals should contact their Pacific Life or Pacific Life & Annuity representative or call 866-722-9555.

Pacific Life Insurance Company

Founded in 1868, Pacific Life provides life insurance products, annuities and mutual funds, and offers a variety of investment products and services to individuals, businesses, and pension plans.2 Pacific Life counts more than half of the 50 largest U.S. companies as clients3 and is a member of the Insurance Marketplace Standards Association (IMSA), whose membership promotes high ethical standards for the sale of individual life insurance and annuities. For additional information about Pacific Life, including its current financial strength ratings from A.M. Best, Fitch Ratings, Standard & Poor's, and Moody's, visit the company Web site at www.PacificLife.com.

About Pacific Life & Annuity Company

Pacific Life & Annuity Company offers a wide range of products, including life insurance, annuities, structured settlement annuities, and other investment products and services for individuals and businesses.2 Pacific Life & Annuity is a member of the Insurance Marketplace Standards Association (IMSA), whose membership promotes high ethical standards for the sale of individual life insurance and annuities. For additional information about Pacific Life & Annuity, including its current financial strength ratings from A.M. Best, Fitch Ratings, Standard & Poor's, and Moody's, visit the company Web site at www.PacificLifeandAnnuity.com.

(1) Tax-free income assumes: (1) withdrawals do not exceed tax basis (generally, premiums paid less prior withdrawals); (2) policy remains in force until death; (3) withdrawals taken during the first 15 policy years do not occur at the time of, or during the two years prior to, any reduction in benefits; and (4) the policy does not become a modified endowment contract. See IRC SSSS 7702(f)(7)(B), 7702A. Any policy withdrawals, loans, and loan interest will reduce policy values and may reduce benefits.

(2) Product features and availability vary by state.

(3) Data compiled by Pacific Life using the FORTUNE 500[R] list as of April 2007

Pacific Life Insurance Company is licensed to issue individual life insurance and annuity products in all states except New York. Product availability and features vary by state. Individual life insurance and annuity products are available in New York through Pacific Life & Annuity Company. Each company is solely responsible for the financial obligations accruing under the policies it issues, and its product and rider guarantees are backed by that company's financial strength and claims-paying ability.
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Publication:Business Wire
Date:Oct 11, 2007
Words:598
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