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The primary purpose of life insurance is to provide death benefit protection in the event of the insured’s death.
Not all products or optional benefits are available in all states or firms, and features may vary by state and firm. Contact your firm or Pacific Life representative for availability.
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.
Indexed universal life insurance and variable universal life insurance do not directly participate in any index or investments.
Life insurance is subject to underwriting and approval of the application and will incur monthly policy charges. In general, additional premium is required to continue coverage of the policy. Policy may lapse if premium is insufficient to continue coverage.
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.
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 are provided in the applicable product and underlying funds prospectuses including summary prospectuses, if available. These prospectuses should be read carefully by clients before investing or sending money. Available by visiting Pacificlife.com/Prospectuses and consider its information carefully before investing.
Investment and Insurance Products: Not a Deposit • Not Insured by any Federal Government Agency • Not FDIC Insured • No Bank Guarantee • May Lose Value