Product guide
Pacific Secure Income
A DIA from Pacific Life · reviewed from official materials, July 2026
Pacific Life's deferred income annuity and QLAC vehicle — future income in dollars, no cash value, and a state-availability list worth checking first.
The decoder
Reading the quote
Future dollars, priced off the annuitant's life expectancy
Like its immediate sibling, this product quotes future income in dollars: "it's the annuitant's life expectancy that is used to set the dollar amount of future annuity income." Deferring longer buys more income for the same premium — for the DIA reasons our decoder covers: years of investment time, principal return, and survivorship. There is no cash surrender value at any point, and Pacific Life's own footnote lists six states where the product is simply not available: California, Illinois, North Carolina, Oregon, Pennsylvania, and Texas.
This is Pacific Life's longevity-insurance product: flexible premiums lock in future income, with death-before-income handled by return-of-premium on most payout forms (and nothing on the life-only forms — the trade that buys their higher quotes).
As a QLAC it carries the standard federal mechanics — qualified money up to $210,000 (2026, indexed) excluded from RMD math until income begins — but Pacific Life's version strips the commutation, acceleration, and inflation features when QLAC status is elected, a detail their own footnote is explicit about.
Key structural terms
- Minimum premium
- $15,000 initial; $500 subsequent (flexible premium)
- Issue ages
- 22 minimum; to 85 nonqualified/Roth, 71 traditional IRA, 82 QLAC
- Deferral
- 13 months to 30 years; one-time start-date shift of up to 5 years (not in CT or NY)
- Cash value
- None at any time
- QLAC use
- QLAC-eligible to the federal cap ($210,000 for 2026, indexed); income as late as 85; several features unavailable under QLAC
- Availability
- Not offered in CA, IL, NC, OR, PA, or TX
Structural terms summarized from Pacific Life's official product materials as reviewed in July 2026. Terms vary by state and change over time — confirm every detail with the carrier or its representative before acting. Current rates are deliberately not printed here.
The comparison
Against a payment stream
A deferred-start payment stream is the closest secondary-market cousin — future payments bought at a discount, often at a deeper effective yield precisely because start dates are far out. A guaranteed stream pays its schedule regardless of any life and passes to your estate; the DIA pays for exactly as long as you live. Opposite risks, similar shape.
The family mechanics are covered in our DIA decoder; what the secondary market pays right now is on the current estimated yields page. And because Pacific Life also stands behind payment streams we list, its role as an issuer is profiled on our Pacific Life carrier page.
Pacific Secure Income questions
Can I buy Pacific Secure Income in California or Texas?
Pacific Structured Assets, Inc. is an independent company. We are not affiliated with, endorsed by, sponsored by, or otherwise connected to any insurance company, annuity issuer, state lottery, or other payment obligor named on this website. Issuer and carrier names are used solely to identify the entity obligated to make the scheduled payments on a particular payment stream. All company names, trademarks, and service marks are the property of their respective owners; their appearance here is for identification purposes only and does not imply any partnership, agency, sponsorship, endorsement, or other business relationship. No issuer named on this website has reviewed, approved, or endorsed any of its content.
Pacific Structured Assets does not sell, distribute, or advise on Pacific Secure Income or any newly issued insurance product. This page is independent education for investors comparing income options.
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