We would love to hear from you. Click on the ‘Contact Us’ link to the right and choose your favorite way to reach-out!


media/speaking contact

Jamie Johnson

business contact

Victoria Peterson

Contact Us


Close [x]

Blog + Articles


  • Industry Articles (12,693)
  • Industry Conferences (2)
  • Industry Job Openings (16)
  • Negative Media (127)
  • Positive Media (73)
  • Sheryl's Articles (469)
  • Sheryl's Blogs (144)
  • Wink's Articles (187)
  • Wink's Blogs (157)
  • Wink's Press Releases (74)
  • Blog Archives

  • May 2019
  • April 2019
  • March 2019
  • February 2019
  • January 2019
  • December 2018
  • November 2018
  • October 2018
  • September 2018
  • August 2018
  • July 2018
  • June 2018
  • May 2018
  • April 2018
  • March 2018
  • February 2018
  • January 2018
  • December 2017
  • November 2017
  • October 2017
  • September 2017
  • August 2017
  • July 2017
  • June 2017
  • May 2017
  • April 2017
  • March 2017
  • February 2017
  • January 2017
  • December 2016
  • November 2016
  • October 2016
  • September 2016
  • August 2016
  • July 2016
  • June 2016
  • May 2016
  • April 2016
  • March 2016
  • February 2016
  • January 2016
  • December 2015
  • November 2015
  • October 2015
  • September 2015
  • August 2015
  • July 2015
  • June 2015
  • May 2015
  • April 2015
  • March 2015
  • February 2015
  • January 2015
  • December 2014
  • November 2014
  • October 2014
  • September 2014
  • August 2014
  • July 2014
  • June 2014
  • May 2014
  • April 2014
  • March 2014
  • February 2014
  • January 2014
  • December 2013
  • November 2013
  • October 2013
  • September 2013
  • August 2013
  • July 2013
  • June 2013
  • May 2013
  • April 2013
  • March 2013
  • February 2013
  • January 2013
  • December 2012
  • November 2012
  • October 2012
  • September 2012
  • August 2012
  • July 2012
  • June 2012
  • May 2012
  • April 2012
  • March 2012
  • February 2012
  • January 2012
  • December 2011
  • November 2011
  • October 2011
  • September 2011
  • August 2011
  • July 2011
  • June 2011
  • May 2011
  • April 2011
  • March 2011
  • February 2011
  • January 2011
  • December 2010
  • November 2010
  • October 2010
  • September 2010
  • August 2010
  • July 2010
  • June 2010
  • May 2010
  • April 2010
  • March 2010
  • February 2010
  • January 2010
  • December 2009
  • November 2009
  • October 2009
  • August 2009
  • June 2009
  • May 2009
  • April 2009
  • March 2009
  • November 2008
  • May 2008
  • February 2008
  • The Leader in Indexed Universal Life Insurance Announces Two New Products

    March 5, 2019 by Pacific Life Insurance Company

    ALISO VIEJO, Calif.–(BUSINESS WIRE)–Today, Pacific Life Insurance Company (Pacific Life) announced two new indexed universal life insurance (IUL) products: Pacific Discovery Xelerator IUL 2 (PDX IUL 2) and Pacific Indexed Accumulator 6 (PIA 6).1

    Both life insurance products continue in the tradition of providing flexible death benefit protection for individuals and businesses. PDX IUL 2 emphasizes long-term cash value potential and may be helpful for high-income clients seeking death benefit protection and supplemental retirement income potential through tax-free2 policy loans and withdrawals. PIA 6, on the other hand, focuses on higher cash surrender values in the policy’s early years and may be beneficial in certain scenarios like premium financing and corporate-sponsored life insurance plans.

    “These products represent our ongoing commitment to innovation in IUL,” said John O’Donnell, vice president of marketing and product development for the Life Insurance Division of Pacific Life. “Two years ago, we launched Pacific Discovery Xelerator IUL,3 the #1 selling IUL for the last two years in a row.4 Now, we’re giving clients even more choices for a greater range of policy potential.”

    Among the policies’ new features is an Enhanced Performance Factor Rider, which offers clients a choice among three levels of Performance Factors and their associated charges and allows clients to switch between these levels as frequently as annually.5,6According to O’Donnell, “The new rider allows clients to decide if they’re willing to pay higher charges in return for a higher Performance Factor, if they’d like something in between, or if they want to switch to no Performance Factor with no additional charge.”

    In addition to the three Performance Factor rider designs, the new products offer 15 other riders6 to help clients customize a policy for their life insurance needs. “We’ve also updated our illustration system to help clarify these choices,” says O’Donnell. Among the available illustration tools, the Policy Charges and Policy Credits reports show the interest credits and charges associated with each Enhanced Performance Factor Rider design. And financial professionals7 can illustrate the impact of all three rider designs on policy values and share it with their clients using the “Making It Easier to Decide” report.

    Protection. Flexibility. Support.

    Just some of the ways Pacific Life is committed to building life insurance products that stand the test of time.

    To learn more about the new IUL products, clients can go to www.pacificlife.com.

    Life insurance producers can learn more at thepacificdifference.com/nextbigthing.

    About Pacific Life

    For more than 150 years, Pacific Life has helped millions of individuals and families with their financial needs through a wide range of life insurance products, annuities, and mutual funds, and offers a variety of investment products and services to individuals, businesses, and pension plans. Whether your goal is to protect loved ones or grow your assets for retirement, Pacific Life offers innovative products and services that provide value and financial security for current and future generations. Pacific Life counts more than half of the 100 largest U.S. companies as its clients. For additional company information, including current financial strength ratings, visit www.PacificLife.com.

    Pacific Life refers to Pacific Life Insurance Company and its affiliates, including Pacific Life & Annuity Company. Client count as of June 2018 is compiled by Pacific Life using the 2018 FORTUNE 500® list.

    Life insurance is subject to underwriting and approval of the application and will incur monthly policy charges. Indexed universal life insurance does not directly participate in any stock or equity investments. Indexed Universal 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.

    Pacific Life refers to Pacific Life Insurance Company and its affiliates, including Pacific Life & Annuity Company. Insurance products are issued by Pacific Life Insurance Company in all states except New York and in New York by Pacific Life & Annuity Company. Product availability and features may vary by state. Each insurance company is solely responsible for the financial obligations accruing under the products it issues.

    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.

    These products may not be sold in New York.

    1. Pacific Life Insurance Company’s Pacific Discovery Xelerator IUL 2 (policy form #P15IUL and S18PDX2 or ICC15 P15IUL and ICC18 S18PDX2, based on state of policy issue) and Pacific Indexed Accumulator 6 (Policy Form #P15IUL and S18PIA6 or ICC15 P15IUL and ICC18 S18PIA6, based on state of policy issue) are indexed universal life insurance.
    2. For federal income tax purposes, tax-free income assumes, among other things: (1) withdrawals do not exceed tax basis (generally, premiums paid less prior withdrawals); (2) policy remains in force until death (any outstanding policy debt at time of lapse or surrender that exceeds the tax basis will be subject to tax); (3) withdrawals taken during the first 15 policy years do not cause, occur at the time of, or during the two years prior to, any reduction in benefits; and (4) the policy does not become a modified endowment contract. See IRC Sec. 72, 7702(f)(7)(B), 7702A. Any policy withdrawals, loans, and loan interest will reduce policy values and may reduce benefits.
    3. Pacific Life Insurance Company’s Pacific Discovery Xelerator IUL (policy form #P15IUL and S16PDX or ICC15 P15IUL and ICC16 S16PDX, based on state of policy issue) is indexed universal life insurance.
    4. LIMRA International Q4, 2017–Q4, 2018 Confidential Sales Survey of Participating Life Insurance Companies. Sales rankings are based on recurring premium as measured against 85 participating companies. “Recurring premium” measures expected annual premiums which can be greater than the target premium.
    5. Available at policy issue with both PDX IUL 2 and PIA 6, the Enhanced Performance Factor Rider (form #R18EPF and S18EPF or ICC18 R18EPF and ICC18 S18EPF, based on state of policy issue) offers three levels of Performance Factors and their associated monthly rider charges from none (Classic (A)), medium (Performance (B)), to high (Performance Plus (C)). For more information, please contact Pacific Life.
    6. Riders will likely incur additional charges and are subject to availability, restrictions, and limitations. When considering a rider, request a policy illustration from your life insurance producer to see the rider’s impact on your policy’s values.
    7. In order to sell life insurance, a financial professional must be a properly licensed and appointed life insurance producer.


    Media Contact:
    Jesse Page
    (949) 219-4575

    Originally Posted at Business Wire on February 27, 2019 by Pacific Life Insurance Company.

    Categories: Industry Articles