Variable Products

Variable products provide clients with optional guarantees and death benefits that may benefit their particular situation.  At Pacific West, we have relationships with numerous life insurance companies that provide our advisors with a large selection of products and benefit options.

Generally, variable annuities contain mortality and expense charges, account fees, investment management fees, and administrative fees. Variable annuity sub-accounts fluctuate with changes in market conditions, and when surrendered, the principal may be worth more or less than the original amount invested. Variable annuities are long-term investment vehicles designed for retirement purposes.  Penalties may apply to withdrawals prior to age 59 ½.  They are sold by prospectus only. Be sure to read the prospectus carefully before deciding whether to invest.