Pacific life term life policy terms and conditions

Protect your family, estate, or business with a tax-free* death benefit.

Term Protection

Get the certainty of protection for a specified time period.

Predictable Premiums

Predictability of fixed premium amounts.

Term Life Insurance Products

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PL Promise Term

Policy Form #P16LYT or ICC16 P16LYT and S16LYT 10, S16LYT 15, S16LYT 20, S16LYT 25, or S16LYT 30, based on level premium period chosen and state of policy issue.

Affordable death benefit protection through broadly competitive term life insurance in 10-, 15-, 20-, 25- and 30-year durations. Monthly premium advantage and innovative conversion product with multiple underwriting options.

For questions on this product please contact:
(888) 900-9777 (direct number, no option)
LynInternalSales@PacificLife.com

Pacific Elite Term

Policy #ICC12 P12TRF or P12TRF, and ICC12 P12TRF 10,20,30 or P12TRF 10,20,30, based on level premium period chosen and state of policy issue.

Death benefit protection that is competitively priced at 10-, 20-, and 30-year level premium periods. Seamless underwriting with permanent (cash value) products for easy conversion.

FIND A FINANCIAL PROFESSIONAL

A financial professional must be a properly licensed and appointed life insurance producer to sell life insurance products.

*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).

Pacific Life is a product provider. It is not a fiduciary and therefore does not give advice or make recommendations regarding insurance or investment products.

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

Pacific Life Insurance Company is licensed to issue insurance products in all states except New York. Product/material availability and features may vary by state.

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 as these guarantees are not backed by the broker/dealer, insurance agency, 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 life insurance company.

The home office for Pacific Life Insurance Company is located in Omaha, Nebraska.