Pacific Horizon Survivorship IUL

Firm and state variations may apply. Contact your Pacific Life representative for availability.

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 and these guarantees are not backed by the broker/dealer, insurance agency, or their affiliates from which products are purchased. Neither these nor their representatives make any representation or assurance regarding the claims-paying ability of the life insurance company.

1   Pacific Life Insurance Company’s Pacific Horizon SIUL (Form series P15SIUL, S22SHZN, varies based on state of policy issue). Indexed Universal Life Insurance does not directly participate in any stock or equity investments.

2   Product's issue ages are 18-90.

3   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).

4  The BlackRock iBLD Endura® VC 5.5 ER Index is referred to as the BlackRock Endura® Index for ease of reference. While this index tracks the impact of dividends which affect the Segment Indexed Interest, you cannot purchase, directly participate in, or receive any dividend payments from the index through this policy.

5  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.

6  Enhanced Performance Factor Rider (Form Series R18EPF, S18EPF, varies based on state of policy issue).

7  No-Lapse Guarantee Rider (Form Series R17FNL, S17FNL, varies based on state of policy issue). Depending on how your client structures their policy, has a maximum duration of the younger 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.

8  Interest Guarantee on Termination Rider (Form #R20IGT, varies based on state of policy issue). 

Life insurance is subject to underwriting and approval of the application and will incur 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.

The “S&P 500 Index” is a product of S&P Dow Jones Indices LLC or its affiliates ("SPDJI") and has been licensed for use by Pacific Life Insurance Company. Standard & Poor’s® and S&P® are registered trademarks of Standard & Poor’s Financial Services LLC (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Pacific Life Insurance Company. Pacific Life Insurance Company’s Product(s) is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P 500 Index.

BlackRock, Inc., and its affiliates (“BlackRock®”) is not the issuer or producer of any life insurance product associated with Pacific Life Insurance Company, and BlackRock has no responsibilities, obligations, or duties to investors in such products. The BlackRock iBLD Endura® VC 5.5 ER Index (hereinafter, the “BlackRock Endura® Index”) is a product of BlackRock Index Services, LLC, and has been licensed for use by Pacific Life Insurance Company. BLACKROCK, BlackRock Endura® Index, and the corresponding logos are registered and unregistered trademarks of BlackRock. While Pacific Life Insurance Company may for itself execute transactions with BlackRock in or relating to the BlackRock Endura® Index in connection with its life insurance products, investors acquire all such life insurance products from Pacific Life Insurance Company and neither acquire any interest in the BlackRock Endura® Index nor enter into any relationship of any kind with BlackRock upon investing in such products. Pacific Life Insurance Company life insurance products are not sponsored, endorsed, sold, or promoted by BlackRock. BlackRock makes no representation or warranty, express or implied, to the owners of any Pacific Life Insurance Company life insurance product or any member of the public regarding the advisability of investing in such products, nor does it have any liability for any errors, omissions, or interruptions of the BlackRock Endura® Index. BlackRock shall not be liable in any way to the issuer, investors, or any other party in respect of the use or accuracy of the BlackRock Endura® Index or any data included therein.

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.

Nasdaq®, Nasdaq-100 Index®, Nasdaq-100®, NDX®, and QQQ® are registered trademarks of Nasdaq Inc. (which with its affiliates is referred to as the “Corporations”) and are licensed for use by Pacific Life Insurance Company. The products have not been passed on by the Corporations as to their legality or suitability. The products are not issued, endorsed, sold, or promoted by the Corporations. THE CORPORATIONS MAKE NO WARRANTIES AND BEAR NO LIABILITY WITH RESPECT TO THE PRODUCTS.