Guaranteed Death Benefit Protection With Cost-Efficient Investment Options
Pacific Admiral VUL
Variable Universal Life Insurance 1
Key Features
Tax free5 death benefit helps provide financial protection for the policy’s beneficiaries, whether that’s your client’s family, business, or estate.
Clients may choose among a streamlined list of variable investment options, including seven low-cost, passively-managed funds for market driven growth potential.
Help boost your client’s confidence with a range of guarantees. Three available indexed options6 and two fixed accounts offer guaranteed minimum interest crediting rates for downside protection. Optional riders may provide guaranteed death benefit protection for a duration of your client’s choice-up to lifetime.3,4
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Firm and state variations may apply. Contact your Pacific Life representative for availability.
1Pacific Life Insurance Company’s Pacific Admiral VUL (Form series P19VUL, S20ADM, varies based on state of policy issue).
2Product’s issue ages are 0-90.
3The Flexible Duration No-Lapse Guarantee Rider (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. 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 any of the Fixed Options, Indexed Option, and the other Allowable Investment Options specified in the prospectus.
4Riders 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.
5For 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).
6The indexed options do not directly participate in any stock or equity investments.
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 and underlying funds prospectuses. These prospectuses should be read carefully by clients before investing or sending money.
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.
Life insurance is subject to underwriting and approval of the application and will incur policy charges.