We offer a wide range of competitive life insurance products backed by the financial strength of Pacific Life.
Life Insurance Products
FEATURED PRODUCT
Pacific Admiral® VUL 2
Variable Universal
Life Insurance
Expanded Flexibility and Customization for Today's Clients' Evolving Needs
What Type of Life Insurance Is Right for Your Clients?
Every client’s goals are different—and their life insurance should be too. From straightforward protection to long‑term accumulation strategies, Pacific Life offers a broad product portfolio designed to meet a wide range of needs.
While the foundation of life insurance is financial protection through a death benefit, Pacific Life products can go further. With flexible product designs and a variety of rider options, you can help clients address protection, income, and legacy planning goals with confidence. Explore Pacific Life’s life insurance product portfolio and find solutions that help you tailor coverage to what matters most to your clients.
Click the product name below to access the product information page. For firm-specific products, visit lifeline.pacificlife.com.
- Term Life
- Universal Life
- Indexed Universal Life
- Variable Universal Life
Competitively priced term life insurance product offers death benefit protection with 10-, 20-, and 30-year level premium periods, along with conversion incentives and living benefit riders in case of a qualifying terminal, critical, or chronic illness.
Pacific Elite Term
Highlights:
- Death benefit protection with conversion benefits.
Common Client Needs:
- Income Protection
- Buy Sell / Key Person
Highly customizable universal life insurance product with death benefit protection, flexible options for customizing coverage, and attractive interest crediting potential for cash value growth potential.
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Pacific Venture UL 2
Highlights
- Universal life (UL) insurance offering flexible death benefit protection and long-term interest crediting potential to build cash value.
Common Client Needs
- Income replacement
- Cash Value Accumulation Potential
- Protection from Chronic Illness Expenses
Our indexed universal life insurance products offering death benefit protection with index‑based interest crediting potential and guaranteed minimum interest rates for added downside protection.
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Pacific Horizon IUL 2
Indexed universal life insurance providing death benefit protection, competitive guarantees, and customization options to help meet a lifetime of needs.
Highlights
- One product, many uses—including supplmenetal income planning, business planning, legacy planning, premium financing, and protection against chronic illness or long-term care expenses.
Common Client Needs
- Cash Value Accumulation Potential
- Supplemental Retirement Income
- Corporate Planning & Executive Benefits
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Pacific Horizon ECV IUL
Highlights
- Cash value accumulation-focused indexed universal life insurance product with high early-year cash surrender values designed for premium-financed, business-owned, and short-pay scenarios.
Common Client Needs
- Cash Value Accumulation Potential
- Supplemental Retirement Income
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Pacific Horizon Survivorship IUL
Highlights
- An accumulation-focused last survivor indexed universal life insurance designed for legacy planning or coverage on two lives, including when one insured is much younger or healthier than the other
Common Client Needs
- Legacy Planning
- Estate Tax Liability
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Pacific Trident IUL
Highlights
- Simplicity of basic coverage only; option to guarantee high early year cash surrender values; and choice of indexed accounts with and without segment adjustment factors
Common Client Needs
- Cash Value Accumulation Potential
- Supplemental Retirement Income
- Corporate Planning & Executive Benefits
The ultimate in flexibility, our variable universal life insurance products offer death benefit protection along with a variety of investment options, some of which offer the potential for growth based on market performance.
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Pacific Legacy Survivorship VUL
Highlights
- Protection built for two with market-driven variable investment options designed to build potential cash value accumulation and may serve as an attractive tool to enhance estate plans or wealth transfer needs.
Common Client Needs
- Cash Value Accumulation
- Supplemental Retirement Income
- Wealth Preservation
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Pacific Select Harbor VUL
Highlights
- Simplicity of basic coverage only; selection of fixed accounts and variable investment options.
Common Client Needs
- Cash Value Accumulation
- Supplemental Retirement Income
- Wealth Preservation
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Pacific Admiral® VUL 2
Highlights
- Expanded set of investment options, which include a choice of market-driven variable investment options, a Fixed Account, and indexed accounts, Plus, a choice of coverage types, no-lapse guarantees, and living benefit riders.
Common Client Needs
- Cash Value Accumulation
- Supplemental Retirement Income
- Legacy, Retirement, Estate, and Business Planning
Common Client Needs For Life Insurance
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Death Benefit Protection
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Cash Value Accumulation Potential
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Corporate Planning & Executive Benefits
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Wealth Preservation & Estate Planning
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Protection from Chronic Illness Expenses
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Income Protection
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Supplemental Retirement Income
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Qualified Plans
Get in touch for a customized client proposal or to learn more about our products!
Life insurance is subject to underwriting and approval of the application and will incur monthly policy charges.
Cash value 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. Products and riders are subject to state availability. Indexed universal life insurance and indexed accounts offered in certain variable universal life insurance products do not directly participate in any index or the stock market.
Pacific Elite Term is term life insurance with level premium periods, form series P12TRF and P12TRF 10,20,30, varies based on level premium period chosen and state of policy issue.
Pacific Venture UL 2 is flexible premium universal life insurance, form series P25UL, S25VEN2, varies based on state of policy issue.
Pacific Horizon IUL 2 is flexible premium indexed universal life insurance, form series P21IUL, S23HZN2‑B, S23HZN2‑E, or S23HZN2‑L, varies based on coverage design option and state of policy issue.
Pacific Horizon ECV IUL is flexible premium indexed universal life insurance, form series P21IUL, S22ECV, varies based on state of policy issue.
Pacific Horizon Survivorship IUL is last survivor flexible premium indexed universal life insurance, form series P15SIL, S22SHZN, varies based on state of policy issue.
Pacific Trident IUL is flexible premium indexed universal life insurance, form series P15IUL, S20TRI, varies based on state of policy issue.
Pacific Legacy Survivorship VUL is last survivor flexible premium variable universal life insurance, form series P22SVL, S22PLS, varies based on state of policy issue.
Pacific Select VUL 2 is flexible premium variable universal life insurance, policy form series P19VUL, S19VUL, varies based on state of policy issue.
Pacific Select Harbor VUL is flexible premium variable universal life insurance, form series P19PHV, S19PHV, varies based on state of policy issue.
Pacific Admiral VUL 2 is flexible premium variable universal life insurance, form series P25VIUL, S25ADM2, varies based on state of policy issue.
Pacific Protector VUL is flexible premium variable universal life insurance, form series P19PHV, S22PRO, varies based on state of policy issue.
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.
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.
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.
Investment and Insurance Products: Not a Deposit • Not Insured by any Federal Government Agency • Not FDIC Insured • No Bank Gaurantee • May Lose Value