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PRODUCT SOLUTIONS

Product Solutions

Why Structure?
A structured settlement annuity offers personal physical injury parties the ability to design a flexible payment schedule to fit their needs.

Structured Attorney Fees
Structuring attorney's fees can defer taxes on income and help provide future dollars for needs such as college tuition and retirement.

Index-Linked Annuity Payment Adjustment Rider (ILAPA)
This optional rider offers the potential for increased payment amounts for a structured settlement while preserving the current benefit level.

This benefit option offers more upside potential for clients willing to accept fluctuating payments with a guaranteed baseline amount.

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RESOURCES

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Forms
Client and consultant forms, plus sample contracts.

Client Forms
ABOUT US

About Us
Company Overview
Pacific Life has stood strong for nearly 160 years. We provide strength and stability, not just when times are good, but also when you need us most.

Insurance Ratings and Financials
Learn about the financials and insurance ratings for the companies behind Structured Settlement Annuities from Pacific Life.

Contact Us
Have a question? Pacific Life is here to help. Get in touch.

Structured Settlements Can Benefit All Parties Involved

Benefits for the Injured Party

Customized Design: Payments are designed to help meet the claimant's current and future financial needs over a defined period of time so that they may plan ahead.
Stable Income: Structured payments can provide claimants with predictable income they can rely on for the rest of their lives.
Tax Benefits: Structured settlements are tax-free¹, versus investment earnings on a lump sum that are usually taxable.

Benefits for the Defendant

Quicker Outcomes
May Reduce Costs
Avoids Injury Trial
Potential Tax Deductions

Why Choose Us?

Our commitment to always be there for you and your clients is reflected in our consistently high financial-strength ratings and award-winning service. For nearly 160 years, financial professionals and their clients have put their trust in our strength and stability.

See Our Ratings

Pacific Life Insurance Company

Pacific Life & Annuity Company

25-302A

SSQ1386-01 02/26 E229

Contract Form Series: ICC11:10-1213 Rider Series: ICC13:20-1280, ICC25 20-1290

State variations to contract form series may apply.

Pacific Life is a member of the National Structured Settlements Trade Association.

Pacific Life, its affiliates, 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.

Insurance products and their guarantees, including optional benefits, annuity payout rates, and any crediting rates, are backed by the financial strength and claims-paying ability of the issuing insurance company. Look to the strength of the insurance company with regard to such guarantees because these guarantees are not backed by the independent broker/dealers, insurance agencies, or their affiliates from which products are purchased. Neither these entities nor their representatives make any representation or assurance regarding the claims-paying ability of the issuing company.

Pacific Life refers to Pacific Life Insurance Company and its subsidiary Pacific Life & Annuity Company. Insurance products can be issued in all states, except New York, by Pacific Life Insurance Company and in all states by Pacific Life & Annuity Company. Product/material availability and features may vary by state. Each insurance company is solely responsible for the financial obligations accruing under the products it issues.

The home office for Pacific Life & Annuity Company is located in Phoenix, Arizona. The home office for Pacific Life Insurance Company is located in Omaha, Nebraska.

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

For structured settlements consultant use only. Not for use with the public.