Is Your Client's Portfolio an Unfinished Work of Art?

ALISO VIEJO, CA--(Marketwire - Apr 4, 2012) - Today's families face many financial challenges. The most pressing questions are: What happens if I outlive my retirement savings? How can I potentially reduce my tax burden for a better financial picture? Who will pay the bills if the primary income earner dies? Addressing financial challenges is more of an art than a science.

To help life insurance producers address these clients' concerns, Pacific Life offers the Art of Retirement kit, a guide on using cash value life insurance to help provide financial protection from the death of an income earner in the early years and supplemental retirement income in the later years. The Art of Retirement kit features:

• Portraits to help identify the right clients
• Benefits of adding life insurance as an asset to client portfolios
• Step-by-step guide to the Life Insurance Retirement Plan

Life insurance producers can help clients picture more secure financial futures with cash value life insurance. Visit www.paintingretirement.com today to order a free kit.

About Pacific Life
Offering insurance since 1868, Pacific Life provides a wide range of life insurance products, annuities, and mutual funds, and offers a variety of investment products and services to individuals, businesses, and pension plans. Pacific Life counts more than half of the 100 largest U.S. companies as its clients.¹ For additional company information, including current financial strength ratings, visit Pacific Life online at www.PacificLife.com.

1. Client count as of May 2011 is compiled by Pacific Life using the 2011 FORTUNE 500® list.

Pacific Life refers to Pacific Life Insurance Company and its affiliates, including Pacific Life & Annuity Company. Insurance products are issued by Pacific Life Insurance Company in all states except New York and in New York by Pacific Life & 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. Insurance products and their guarantees, including optional benefits and any fixed subaccount crediting rates, are backed by the financial strength and claims-paying ability of the issuing insurance company. Look to the strength of the life insurance company with regard to such guarantees as these guarantees are not backed by the broker-dealer, insurance agency or their affiliates from which this product is purchased. Neither these entities nor their representatives make any representation or assurance regarding the claims-paying ability of the life insurance company.

Pacific Life's individual life insurance products are marketed exclusively through independent third-party life insurance producers, which may include bank affiliated entities. Some of these selling entities may limit availability of some optional riders based on their client's age and other factors. Your life insurance producer can help you determine which optional riders are available and appropriate for you.

This material is not intended to be used, nor can it be used by any taxpayer, for the purpose of avoiding U.S. federal, state or local tax penalties. This material is written to support the promotion or marketing of the transaction(s) or matter(s) addressed by this material. Pacific Life, its distributors and their 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.