Pacific Life is a solid, reliable life insurance provider, with an excellent range of policies and a decent record of keeping customers happy. Pacific Life Insurance Company is a long-standing company that offers a huge variety of coverage options, including a dozen distinct universal life policies. Pacific Life offers a total of eight universal life insurance products, all available only through Pacific Life agents. Whole life policies without living benefits include the Flex Protector II and Flex XV. Product availability and features may vary by state. Insurance products are issued by Pacific Life Insurance Company in all states except New York and in New York by Pacific Life & Annuity Company. Indexed Universal Life Insurance products do not directly participate in any stock or equity investments. Pacific Life is a product provider. Variable universal life insurance: Pacific Life has a vast selection of universal life insurance policies available. Pacific Life has selling agreements with more than 850 1. We compile our data from multiple sources, which includes the government, non-profit and private sources. Variable Universal Life. Pacific Life's standard universal life insurance policy provides both death benefit protection, as well as cash value growth at a guaranteed minimum rate. Pacific PRIME Term and PL Promise Term are both level term policies with options for 10-, 15-, 20-, and 30-year terms. You can customize the policy by adjusting your premium and life insurance coverage to fit your individual needs. “They are … Along with standard term, whole, and universal life policies, Pacific Life offers indexed and variable universal life insurance policies. In fact, Wink’s Sales and Market Report ranks Pacific Life as the number one indexed universal life insurance performer on the market. Learn more about survivorship life insurance. This article is separated into three sections. When she’s not wrangling big ideas into easy-to-understand articles, Kathryn nerds out on budget-tracking spreadsheets and tries to coax her leash-trained cat to take outdoor adventures. | ToU, Disclaimer, Privacy | How We Make Money, Licensed Life Insurance Agent/Staff Writer, 20-year term life policy for a healthy 25 year old, 20-year term life policy for a healthy 50 year old. Pacific Life Insurance Company is licensed to issue insurance products in all states except New York. Our only beef is that you can’t get a quote right there on the Pacific Life website. Performance & DUVs; Life Insurance With Long-Term Care Benefits; Indexed Universal Life Insurance; Term Life Insurance; Whole Life Insurance; Universal Life Insurance; Mutual Funds Pacific Funds is a family of mutual funds designed for growth, income generation, and diversification. Our managers seek to deliver consistent results with downside protection strategies to … Does Pacific Life sell life insurance for seniors? By using this website, I confirm that I understand and agree to the applicable Privacy Policy and Terms of Service. In this way, the returns on universal life insurance policies are more predictable. Finally, for a balanced approach we offer the disadvantages of IUL insurance as well. Your insurer will also set a minimum interest rate, which might be higher. Indexed Universal Life Insurance products do not directly participate in any stock or equity investments. Pacific Life refers to Pacific Life Insurance Company and its affiliates, including Pacific Life & Annuity Company. Pacific Life reserves the right to change or modify any non-guaranteed or current elements. Pacific Life is based in Newport Beach, California, and offers life insurance, annuities and mutual funds, along with other financial products. 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