Building Your Financial House.Pacific Life Introduces New Consumer GuideNEWPORT BEACH Newport Beach, residential and resort city (1990 pop. 66,643), Orange co., S Calif., on Newport Bay and the Pacific Ocean; inc. 1906. It is a popular seaside resort and yachting center. Manufactures include electrical and medical equipment, computers, boats, and adhesives. , 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 Financial planning Evaluating the investing and financing options available to a firm. Planning includes attempting to make optimal decisions, projecting the consequences of these decisions for the firm in the form of a financial plan, and then comparing future performance against . 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 according to prep. 1. As stated or indicated by; on the authority of: according to historians. 2. In keeping with: according to instructions. 3. 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 setback In architecture, a steplike recession in the profile of a high-rise building. Usually dictated by building codes to allow sunlight to reach streets and lower floors, the building must take another step back from the street for every specified added height interval. such as a premature death Premature Death occurs when a living thing dies of a cause other than old age. A premature death can be the result of injury, illness, violence, suicide, poor nutrition (often stemming from low income), starvation, dehydration, or other factors. . 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 IMSA Illinois Mathematics and Science Academy IMSA International Motor Sports Association IMSA Insurance Marketplace Standards Association IMSA International Municipal Signal Association IMSA Illinois Mini Storage Association IMSA Institute of Marine Safety Auditors ), 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 Fitch Ratings An international rating agency for financial institutions, insurance companies, and corporate, sovereign, and municipal debt. Fitch Ratings has headquarters in New York and London and is wholly owned by FIMALAC of Paris. , 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 tax-free income The income received but not subject to income taxes. For example, interest from most municipal bonds is free of federal income taxes and often from state and local income taxes as well. Compare tax-deferred income, tax-sheltered 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 (Internet Relay Chat) Computer conferencing on the Internet. There are hundreds of IRC channels on numerous subjects that are hosted on IRC servers around the world. After joining a channel, your messages are broadcast to everyone listening to that channel. SSSS SSSS Staphylococcus scalded skin syndrome, see there 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 New York, state, United States New York, Middle Atlantic state of the United States. It is bordered by Vermont, Massachusetts, Connecticut, and the Atlantic Ocean (E), New Jersey and Pennsylvania (S), Lakes Erie and Ontario and the Canadian province of . 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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