Designed for Efficient Wealth Transfer Planning
Pacific Protector VUL
Last Survivor Flexible Premium Variable Universal Life Insurance 1
Key Features
An optional flexible duration no-lapse3,4 guarantee helps protect a death benefit for your client’s legacy, estate, or business.
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.
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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1Pacific Life Insurance Company’s Pacific Protector VUL Policy (Form series #P19PHV, S22PRO, varies based on state of policy issue).
2Product’s issue ages are 0-90.
3Flexible 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.
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.
5Premier 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