Last Survivor Flexible Premium Variable Universal Life Insurance1
Pacific Protector VUL
Key Features
Guaranteed Death Benefit
A flexible duration no-lapse3,4 guarantee helps protect a death benefit for your client’s legacy, estate, or business.
Market-Driven Investment Options
Clients may choose among a streamlined list of variable investment options, including lower-cost, passively managed funds which may serve as an attractive tool for the high-net worth client who wants to enhance their estate or wealth transfer plans.
Living Benefits
Offer your clients a choice of optional riders4 to help safeguard their wealth from financial loss in case of chronic or terminal illness.4,5
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Pacific Protector VUL Client Guide
Demonstrate no-lapse guarantees, market-driven returns potential, plus downside protection of two fixed accounts, and the choice of living benefits — all in one policy. For investment option details please review the prospectus.
Premier Chronic Illness Rider Flyer
Help your clients understand the value of the Premier Chronic Illness Rider and how it works.
Wealth Transfer for the Modern World
Help your clients realize life insurance's pivotal role in wealth transfer planning.
Historical Returns: Stocks, Bonds, Bills, Inflation 1926-2024
Share the hypothetical growth of $1 over time by asset class in this popular client-approved graphic.
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1 Pacific Life Insurance Company’s Pacific Protector VUL Policy (Form series #P19PHV, S22PRO, varies based on state of policy issue).
2 Product’s issue ages are 0-90.
3 Flexible Duration No-Lapse Guarantee Rider (Form series #R21FNL, S21FNL, 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. For the rider’s guarantee to remain in place, the policyowner must not request an unscheduled increase in face amount and must remain 100% allocated among the Fixed Account or other Allowable Investment Options specified in the prospectus.
4 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.
5 Premier Living Benefit Rider 2 (Form series #R18ADB, S18ADB, varies based on state of policy issue). Premier Chronic Illness Rider (Form series #R21CHR, S21CHR, varies based on state of policy issue). Terminal Illness Rider (Form R12TIV).
Pacific Life, its affiliates, their distributors and the 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.
Clients should carefully consider a variable life insurance product's risks, charges, limitations and expenses, as well as the risks, charges, expenses, and investment goals/objectives of the underlying investment options. This and other information about Pacific Life are provided in the applicable product and underlying funds prospectuses. These prospectuses should be read carefully by clients before investing or sending money.
Life insurance is subject to underwriting and approval of the application and will incur policy charges