Variable Universal Life Insurance1
Pacific Select Harbor VUL
Key Features
Death Benefit Protection
Tax-free3 death benefit helps provide financial protection for the policy’s beneficiaries, whether that’s your client’s family, business, or estate.
No‑Lapse Guarantees Up to Lifetime
Optional Flexible Duration No-Lapse Guarantee Rider4,5 guarantees death benefit protection for a duration of your client's choice, up to a lifetime, for a fee.
Range of Investment Options
Choose from a wide range of variable investment options for market‑driven growth potential as well as two fixed options that offer the certainty of guaranteed minimum interest crediting rates.
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Pacific Select Harbor VUL Client Guide
Share the benefits of guaranteed death benefit protection and the potential of market-driven performance. For investment option details please review the prospectus.
Understanding Asset Allocation Choice Brochure
Help your clients understand the value of asset allocation and explore available investment options.
Managing Investment Strategies Brochure
Help your clients understand the automated services available to help make managing their VUL policy easier.
Product Education Center
Upgrade your product knowledge and become a go-to expert for your clients.
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Firm and state variations may apply. Contact your Pacific Life representative for availability.
1 Form series P19VUL, S19VUL, varies based on state of policy issue. Variable universal life insurance generally requires additional premium payments after the initial premium. If either no premiums are paid, or subsequent premiums are insufficient to continue coverage, it is possible that coverage will expire.
2 Product issue ages are 0-90.
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 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 The Flexible Duration No-lapse guarantee (Form series R17FNL, S18FNL, varies based on state of policy issue), 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.
6 Indexed options do not directly participate in any stock or equity investments.
Variable insurance products are distributed by Pacific Select Distributors, LLC (member FINRA & SIPC), a subsidiary of Pacific Life Insurance Company, and are available through licensed third‑party broker‑dealers.
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 Insurance Company are provided in the applicable product an underlying funds prospectuses. These prospectuses should be read carefully by clients before investing or sending money.
For a prospectus, please visit PacificLife.com/prospectuses
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.
Life insurance is subject to underwriting and approval of the application and will incur monthly policy charges.
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, but they do not protect the value of the variable investment options. Look to the strength of the insurance company with regard to such guarantees because these guarantees are not backed by the independent broker/dealers, insurance agencies, 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 issuing company.
No Bank Guarantee • Not a Deposit • May Lose Value • Not FDIC Insured • Not Insured by any Federal Government Agency