Impersonation Mode
Funds & Performance

Variable Universal Life Insurance Investment Options

A variable life insurance policy is primarily purchased to provide death benefit protection. Additionally, owning a policy requires decisions about allocating your policy cash values among the product's variable and fixed investment options. Every investment involves some level of risk for the opportunity to earn a higher return. Finding the right balance between them is critical.

With its variable life insurance products, Pacific Life offers a broad range of investment options. The variable investment options shown at the top of this chart may provide you with the potential reward of higher returns, if you are willing to take on additional risk. When evaluating these investment options, you and your life insurance producer or financial advisor should select your investment options based on your unique investment objectives, financial circumstances, and willingness to tolerate risk.  

The investment options within each subcategory are listed alphabetically and do not illustrate a continuum of risk/reward. Generally, portfolios of fixed income securities are less aggressive than portfolios of equity securities. While fixed income portfolios tend to be less aggressive, they still carry a variety of risks, and some will have more risks than others. Before investing, you should carefully read the investment options' prospectuses and review the investment goals/objectives and risks of the investment options.

  Equity Portfolios
   
Sector & Alternative Investment
MFS VIT Utilities Series Service Shares
PSF Currency Strategies
PSF Global Absolute Return
PSF Health Sciences
PSF Long/Short Large-Cap
PSF Precious Metals
PSF Real Estate
PSF Technology
Van Eck VIP Global Hard Assets Fund Initial Class
   
   
International & Global
Invesco V.I. International Growth Series II
Janus Aspen Series Overseas Portfolio Service Shares
Oppenheimer Global Fund/VA Service Shares
PSF Emerging Markets
PSF International Large-Cap
PSF International Small-Cap
PSF International Value
Templeton Foreign VIP Fund Class 2
   
   
Small-Companies
Lord Abbett Series Fund Developing Growth VC
MFS VIT New Discovery Series Service Shares
PSF Small-Cap Equity
PSF Small-Cap Growth
PSF Small-Cap Index
PSF Small-Cap Value
Royce Capital Fund--Micro-Cap Portfolio Service Class
   
   
Medium-Companies
American Century VP Mid Cap Value II
Fidelity VIP Mid Cap Service Class SC2
Fidelity VIP Value Strategies SC2
Janus Aspen Series Enterprise Portfolio Service Shares
ClearBridge Variable Mid Cap Core Portfolio Class II
PSF Mid-Cap Equity
PSF Mid-Cap Growth
PSF Mid-Cap Value
   
Large-Companies
BlackRock Basic Value V.I. III
Dreyfus VIF Appreciation Portfolio Service Shares
Fidelity VIP Contrafund® SC2
Fidelity VIP Growth SC2
Lazard Retirement US Strategic Equity Portfolio
ClearBridge Variable Aggressive Growth Portfolio Class II
Lord Abbett Series Fund Fundamental Equity VC
Neuberger Berman AMT Socially Responsive I Class
PSF American Funds® Growth
PSF American Funds Growth-Income
PSF Comstock
PSF Dividend Growth
PSF Equity Index
PSF Focused Growth
PSF Growth
PSF Large-Cap Growth
PSF Large-Cap Value
PSF Main Street® Core
PSF Value Advantage
T. Rowe Price Blue Chip Growth Portfolio-II
T. Rowe Price Equity Income Portfolio-II
   
  Asset Allocation Portfolios 
   
Multi-Asset Class
BlackRock Global Allocation V.I. III
Fidelity VIP Freedom 2010 SC2
Fidelity VIP Freedom 2015 SC2
Fidelity VIP Freedom 2020 SC2
Fidelity VIP Freedom 2025 SC2
Fidelity VIP Freedom 2030 SC2
Fidelity VIP Freedom 2035 SC2
Fidelity VIP Freedom 2045 SC2
Fidelity VIP Freedom Income SC2
GE Investments Total Return 3
PSF American Funds Asset Allocation
PSF Portfolio Optimization Aggressive-Growth
PSF Portfolio Optimization Conservative
PSF Portfolio Optimization Growth
PSF Portfolio Optimization Moderate-Conservative
PSF Portfolio Optimization Moderate
PSF Pacific Dynamix - Conservative Growth
PSF Pacific Dynamix - Growth
PSF Pacific Dynamix - Moderate Growth
PIMCO VIT Global Multi-Asset Portfolio--Advisor Class
   
   
  Fixed Income Portfolios
   
International Bond
PSF Emerging Markets Debt
Templeton Global Bond VIP Fund Class 2
   
Below Investment Grade Quality 
PSF Floating Rate Income
PSF Floating Rate Loan
PSF High Yield Bond
   
Intermediate Duration
Lord Abbett Series Fund Total Return VC
PSF Diversified Bond
PSF Inflation Managed
PSF Inflation Strategy
PSF Managed Bond
   
Shorter Duration
PSF Short Duration Bond
   
  Money Market Portfolios
   
Money Market Instruments
Fidelity VIP Money Market Service Class

 

CWS-L-42


Every variable investment option has some degree of risk depeneding on what it invests in and what strategies it uses. While all variable investment options are subject to market risk, some investment options may be subject to greater volatility than others. The variable investment options are not FDIC insured or guaranteed. Before investing, you should carefully read the applicable fund prospectuses.

Pacific Life's variable universal life insurance products offer a wide variety of variable investment options. Each variable investment option invests in a corresponding portfolio of the Pacific Select Fund (PSF), American Century Variable Portfolios, Inc., BlackRock® Variable Series Funds, Inc., Dreyfus Variable Investment Fund, Fidelity® Variable Insurance Products Funds, Franklin Templeton Variable Insurance Products Trust, GE Investments Funds, Inc., Invesco Variable Insurance Funds, Janus Aspen Series, Lazard Retirement Series, Inc., Legg Mason Partners Variable Equity Trust, Lord Abbett Series Fund, Inc., MFS® Variable Insurance Trust, Neuberger Berman Advisers Management Trust, Oppenheimer Variable Account Funds, PIMCO Variable Insurance Trust, Royce Capital Fund, T. Rowe Price Equity Series, Inc., or Van Eck VIP Trust.

Pacific Life Fund Advisors LLC (PLFA), the investment adviser to the Pacific Select Fund (PSF) and the manager of certain PSF portfolios, also does business under the name Pacific Asset Management and manages certain PSF portfolios under that name.

The American Funds Growth-Income, American Funds Growth, and American Funds Asset Allocation portfolios of the Pacific Select Fund invest their assets in American Funds Insurance Series Growth-Income, Growth Fund, and Asset Allocation Fund, respectively (each a Master Fund). Capital Research and Management Company is the investment adviwer to the Master Fund.

American Century Investment Services, Inc., BlackRock Investments, LLC, Fidelity Distributors Corporation, Franklin Templeton Distributors, Inc., GE Investment Distributors, Inc., Invesco Distributors, Inc., Janus Distributors LLC, Lazard Asset Management Securities LLC, Legg Mason Investor Services, LLC, Lord Abbett Distributor LLC, MBSC Securities Corporation, MFS Fund Distributors, Inc., Neuberger Berman Management LLC, OppenheimerFunds Distributor, Inc., PIMCO Investments LLC, Royce Fund Services, Inc., T. Rowe Price Investment Services, Inc., and Van Eck Securities Corporation, and the products each distributes, are not affiliated with Pacific Life and Pacific Select Distributors, Inc.

Although some portfolios may have names or investment goals/objectives that resemble retail mutual funds managed by the portfolio manager, these portfolios will not have the same underlying holdings or performance as the retail mutual funds.

You 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 options. This and other information about Pacific Life's insurance products are provided in the applicable product and underlying fund prospectuses which are available from your life insurance producer or by clicking here. Read them carefully before investing or sending money.

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. Insurance products and their guarantees, including optional benefits and any fixed subaccount 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 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. Variable insurance products are distributed by Pacific Select Distributors, Inc., (member FINRA & SIPC), a subsidiary of Pacific Life Insurance Company, and an affiliate of Pacific Life & Annuity Company, and are available through licensed third-party broker-dealers.

All American Funds trademarks referenced in this publication are registered trademarks owned by American Funds Distributors, Inc.
BlackRock is a registered trademark of BlackRock, Inc. All other trademarks are property of their respective owners.
Fidelity and Contrafund are registered trademarks of FMR LLC.
MFS is a registered trademark of Massachusetts Financial Services Company.
Main Street is a registered trademark of OppenheimerFunds, Inc.
 
Pacific Life is located in Newport Beach, CA.