ANNUITY PURCHASE PROGRAM

SM
Meeting Your Financial Needs in a Changing World

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 [ TOPICS ]
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O V E R V I E W O F T H E A N N U I T Y P U R C H A S E P R O G R AM ............................................. I

H O W D O E S I T W O R K ? .................................................................................. II

A N N U I T Y P U R C H A S E B E N E F I T S ..................................................................... III

N E X T S T E P S ............................................................................................. IV

A B O U T P A C I F I C L I F E ................................................................................... V

P R I V A C Y S T AT E M E N T & D I S C L O S U R E ............................................................ VI

© 2008 Annuity Purchase Company, LLC. ALL RIGHTS RESERVED.

 [ OVERVIEW ]
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Bound By Your Annuity?

Annuities provide regular cash payments for the
future, but what if you want or need the money today?

The Solution is Simple

Selling your future annuity payments for cash today has never been easier. You can sell all or a portion of your annuity payments,
depending on your particular situation, needs and goals. Instead of waiting to receive small payouts over a lengthy period, you can
receive a large lump sum of cash that you now on anything: paying down credit card debt, purchasing a new home, alternative
investments, college tuition or perhaps a vacation.

Regardless of how you spend the money, you can sell your annuity payments to gain instant access to your money today!

© 2008 Annuity Purchase Company, LLC. ALL RIGHTS RESERVED.

 [ HOW DOES IT WORK?]
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Converting Your Annuity to Cash

is Quick & Easy

How Does it Work?

Cashing in all or a portion of your annuity is easy and fast.

1) Fax us a copy of your annuity paperwork or call to let us know which payments you are interested in selling.
2) We will provide you with a no-obligation quote, typically on the same day.
3) If you decide to proceed, we will overnight to you an annuity purchase contract with a pre-paid return
envelope.
4) We receive a copy of your annuity and the signed contract.
5) You receive a cash lump sum – typically in less than two weeks.

Annuity Specialists

Our team of Annuity Specialists is standing

by to quickly and professionally evaluate
your annuity and tailor the purchase to meet
your specific needs. There are many
reasons why selling some or all of your
annuity payments may make sense.
Whether you have a change in your financial
situation or perhaps you were not the original
owner of your annuity and would rather
convert your annuity to cash today, our team
will make it easy for you to sell your annuity
payments.
 [ THE BENEFITS OF SELLING]
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It’s Your Annuity

Annuities serve a great purpose in the vast majority of circumstances. The reasons for purchasing an
annuity are unlimited. Over time, however, there are an equal number of reasons why individual
circumstances change causing what was one a great source of future cash flows to become merely an
illiquid asset that restricts you from achieving your current financial goals. The Pacific Life Annuity
Purchase Program empowers you with the choices and options you need to best meet your current
financials objectives.

Regardless of whether you want to purchase a home, make alternative investments, purchase life
insurance, pay off credit card debt, pay for college tuition or perhaps simply take a dream vacation,
your annuity purchase specialist can design a custom solution allowing you to sell some or all of your
future annuity payments to meet your current needs.

“We thought we had to wait

years for our money. We
had know idea we could sell
our annuity for a lump sum
of cash”

© 2008 Annuity Purchase Company, LLC. ALL RIGHTS RESERVED.

 [ NEXT STEPS]
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Where Do You Stand?

• Has your financial situation changed since you purchased your annuity?
• Did you inherit your annuity and would rather have a lump sum?
• Is a current lump sum a better fit for your lifestyle?

Request a No-Obligation Quote Today

Your agent can assist you with quickly gathering

the annuity information needed to generate a
quote. Once gathered, your agent will submit
the information on your behalf to an Annuity
Specialist Team member. In order to provide a
quote, we need the following information:

o Annuity Benefits Letter

o Description of Annuity Payments You Wish to
Sell (Amount and Frequency)
o Name of Annuity Company

© 2008 Annuity Purchase Company, LLC. ALL RIGHTS RESERVED.

 [ A b o u t P a c if i c L if e ]
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Pacific Life. The Power to Help You Succeed.

Your insurable needs and financial objectives are key considerations when selecting the appropriate insurance
product. The underwriting insurance company that stands behind those products is just as important. Pacific Life’s
strength and stability is reflected in the high ratings received from independent sources within the financial industry.

Persistence - Performance - Strength

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.1 Pacific Life counts more than half of
the 50 largest U.S. companies as clients2 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.

Strong Ethics & Conduct

One of the cornerstones of Pacific Life’s strong foundation is its excellent reputation for honesty and ethical conduct.
Maintaining high ethical standards is a value that Pacific Life has adhered to all along. In 1998, the company became
a member of the Insurance Marketplace Standards Association (IMSA). Our business conduct principles have been
the ethical roadmap for Pacific Life throughout its history. This code of business conduct, which we call “It’s My
Responsibility,” summarizes the principles of integrity and trustworthiness and reinforces the concept that everyone
within the company is responsible for adhering to the policies, procedures, laws, and regulations that govern our day-
to-day business activities.

© 2008 Annuity Purchase Company, LLC. ALL RIGHTS RESERVED.

 [ P r i v a c y N o t i c e & D is c lo s u r e ]
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INSERT GENERIC PRIVACY NOTICE LANGUAGE OR

STANDARD LANGUAGE REQUIRED BY
DISGTRIBUTION PARTNER

© 2008 Annuity Purchase Company, LLC. ALL RIGHTS RESERVED.