Indexed Universal Life Insurance1
Our Most Versatile IUL Product Designed to
Help Clients Meet a Lifetime of Needs
Pacific Horizon IUL 2
Client Profile
- Typically, a business or affluent individual aged 35 to 652
- Needs long-term death benefit protection
lost income - Has supplemental income, business, or legacy planning needs
Key Features
While its primary purpose is to provide long-term death benefit protection, Pacific Horizon IUL 2 can do much more.
Competitiveness
Strong performance potential across ages and risk classes for death benefit protection and cash value growth potential
Versatility
One product, many uses—including supplemental income planning, business planning, legacy planning, premium financing, and protection against chronic illness or long-term care expenses
Design Flexibility
Three coverage design options for a choice of higher early year cash surrender values, greater long-term accumulation potential, or a balance between the two
Enhanced Performance Potential
Three rider designs—including the new Plus design with a level rider charge rate—offer a potential boost to policy performance in exchange for a monthly rider charge4
Three Ways to Plan for Chronic Illness Expenses
Choose between two optional chronic illness riders5 or long-term care rider6
New Fixed Charge Indexed Loan
Offers clients an indexed loan type with a guaranteed loan interest charge rate of 4.5%7
Guaranteed Protection
Included no-lapse guarantee up to age 90 on eligible policies8 with an option to extend the guarantee up to lifetime9
Choice of Crediting Strategies
Eight indexed accounts, including one-year, multi-year, and volatility control indexed accounts as well as a fixed account
Help your clients achieve their specific planning needs. Request your product marketing kit now.
Pacific Horizon IUL 2 Client Guide
Show your clients how Pacific Horizon IUL 2 can help them achieve a lifetime of goals.
Your Account Choices
Explore a range of potential with fixed and indexed accounts using this client guide.
Four Ways To Capture More Upside Potential
Share with your clients to help explain the Enhanced Performance Factor Rider options and corresponding rider charges.4
3 Ways to Plan for Chronic Illness Using Life Insurance
Explore options for chronic illness protection with your clients.
Indexed Account Client Guide
Start the conversation about indexed account choices with your clients.
For Competitive Analysis and Financial Professional-Use
Materials, Log into Lifeline.
Connect with us to learn what Pacific Horizon IUL 2 can do for
your affluent clients.
Firm and state variations may apply. Contact your Pacific Life representative for availability. MY SELF VARA
1 Form series P21IUL, S23HZN2-B, S23HZN2-E, or S23HZN2-L, varies based on coverage design option and state of policy issue. Indexed universal life insurance does not directly participate in any stock or equity investments.
2 Product’s issue ages are 0-90.
3 Log into Lifeline to see a competitive analysis.
4 Enhanced Performance Factor Rider (Form series R18EPF, S23EPF, varies based on state of policy issue).
5 Choice of Premier Living Benefits Rider 2 (Form series R18ADB, S18ADB, varies based on state of policy issue) or Premier Chronic Illness Rider (Form series R22CHR, S23CHR, varies based on state of policy issue). The Premier Chronic Illness Rider is not available in California.
6 Premier LTC Rider (Form series R15LTC, R15LTC SP, varies based on state of policy issue).
7 Fixed Charge Indexed Loan Rider (Form series R23FALR, S23FALR, varies based on state of policy issue).
8 Age 90 No-Lapse Guarantee Rider (form series R22NLG, S22NLG, varies based on state of policy issue). Age 90 No-Lapse Guarantee Rider is issued with all policies electing Death Benefit Option A or B with insureds issue ages 79 and under. Paying only the Age 90 No-Lapse Premiums will guarantee the death benefit to the insured's attained age 90 but will not guarantee cash value accumulation. If your client discontinues paying the no-lapse guarantee premiums, the no-lapse feature will terminate before the guaranteed duration. If this occurs, additional premiums in an amount equal to the shortfall can be paid to bring the no-lapse feature back in force. If policy loans or withdrawals are taken, additional premiums may be required to keep the no-lapse feature in force. Additional premiums may be required to continue the policy beyond the guaranteed duration to age 90.
9 Flexible Duration No-Lapse Guarantee Rider (Form series R17FNL, S18FNL, varies based on state of policy issue). The Flexible Duration No-Lapse guarantee, depending on how your client structures their policy, has a maximum duration of the insured's lifetime, subject to certain limits. If your client's net no-lapse guarantee value is zero, the no-lapse feature terminates. If the no-lapse feature terminates, additional premiums would be required to resume the no-lapse guarantee. If policy performance is such that your client's policy is being maintained solely by the no-lapse guarantee, your client's policy will not build cash value.
Riders will likely incur additional charges and are subject to availability, restrictions, and limitations. Clients should be shown policy illustrations with and without riders to help show the rider's impact on the policy's values.
Life insurance is subject to underwriting and approval of the application and will incur monthly policy charges.
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.
Invesco and Nasdaq® are not affiliated companies of Pacific Life Insurance Company. Invesco Capital Management LLC (ICM) serves as sponsor of QQQ (the Invesco ETF), and Invesco Distributors, Inc. (IDD), an affiliate of ICM, serves as distributor for the Invesco ETF. The mark “Invesco” is the property of Invesco Holding Company Limited and is used under license. That trademark and the ability to offer a product based on the Invesco ETF(s) have been licensed for certain purposes by Pacific Life Insurance Company and Pacific Life & Annuity Company (collectively, “Pacific Life”). Products offered by Pacific Life are not sponsored, endorsed, sold, or promoted by ICM or Invesco Holding Company Limited, and purchasers of such products do not acquire any interest in the Invesco ETF(s) nor enter into any relationship with ICM or its affiliates. ICM makes no representations or warranties, express or implied, to the owners of any products offered by Pacific Life. ICM has no obligation or liability for any errors, omissions, interruptions, or use of the Invesco ETF(s) or any data related thereto, or with the operation, marketing, trading, or sale of any products or services offered by Pacific Life.
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