When you need death benefit protection, the right life insurance policy may also help protect against market downturns. Indexed universal life insurance (IUL) offers the growth potential of index-based interest crediting rates and the protection of guaranteed minimum interest crediting rates.
Whether you're considering purchasing an IUL policy or would like to understand your existing policy better, get the answers you're looking for here.
Please select your state to see all available products.
Form series P21IUL, S23HZN2-B, S23HZN2-E, or S23HZN2- L, varies based on design option and state of policy issue.
Indexed universal life insurance providing death benefit protection, competitive guarantees, and customization options to help meet a lifetime of needs.
PRODUCT RESOURCES:
Client GuideForm series P21IUL, S23HZN2-B, S23HZN2-E, or S23HZN2- L, varies based on design option and state of policy issue.
Indexed universal life insurance providing death benefit protection, competitive guarantees, and customization options to help meet a lifetime of needs.
Form Series #P21IUL or ICC21 P21IUL and S22ECV or ICC22 S22ECV based on state of policy issue
Death benefit protection. High early cash surrender value potential. See how Pacific Horizon ECV IUL can help businesses and affluent individuals.
Form Series #P15SIL or ICC15 P15SIL and S22SHZN or ICC22 S22SHZM based on state of policy issue
Flexible last-survivor indexed universal life insurance protection with long-term growth potential, useful for flexible death benefit protection on two lives.
P15IUL, S20TRI or ICC15 P15IUL, ICC20 S20TRI, based on state of policy issue.
Long-term life insurance providing death benefit protection, competitive guarantees, and the flexibility to help meet a lifetime of needs.
Policy Form # P15SIL and S19IEP3 or ICC15 P15SIL and ICC19 S19IEP3, based on state of policy issue.
Flexible last-survivor indexed universal life insurance protection with long-term growth potential, useful for flexible death benefit protection on two lives.
A financial professional must be a properly licensed and appointed life insurance producer to sell life insurance products.
*For federal income tax purposes, life insurance death benefits generally pay income tax-free to beneficiaries pursuant to IRC Sec. 101(a)(1). In certain situations, however, life insurance death benefits may be partially or wholly taxable. Situations include, but are not limited to: the transfer of a life insurance policy for valuable consideration unless the transfer qualifies for an exception under IRC Sec. 101(a)(2)(i.e. the transfer-for-value rule); arrangements that lack an insurable interest based on state law; and an employer-owned policy unless the policy qualifies for an exception under IRC Sec. 101(j).
Indexed Universal Life Insurance products do not directly participate in any stock or equity investments.
Pacific Life is a product provider. It is not a fiduciary and therefore does not give advice or make recommendations regarding insurance or investment products.
Life insurance is subject to underwriting and approval of the application and will incur monthly policy charges.
Product(s) Not Available in New York.
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.
Pacific Life, its affiliates, their 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 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 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 products are purchased. Neither these entities nor their representatives make any representation or assurance regarding the claims-paying ability of the life insurance company.
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.
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