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Behind the Success of Every Business, There are Great People

You and your key employees play an important role in the company's success. Life insurance can help protect your business against the loss of you or a key employee with:

  • Key Person Coverage - death benefit to provide money to fulfill business obligations or the costs of replacing a key executive in the event of that executive's death.
  • Buy-Sell Agreement Funding - cash value and death benefit to provide money to purchase ownership of a business in the event of a business owner's departure or premature death. 

Attracting and keeping talented, committed key employees is integral to your business' continuity. To reward and retain your key talent, consider offering an executive benefit:

  • Executive Bonus Agreement - an employer-provided bonus used to help the key employee purchase cash value life insurance. The life insurance death benefit might be used to help replace the lost income to a spouse/beneficiary in the event of the key employee's death.
  • Executive Benefit Funding - a corporation might choose to informally fund a non-qualified executive benefit plan with corporate owned life insurance.

Pacific Life offers a choice of traditional life insurance products and variable life insurance products for businesses.



You should carefully consider a variable life insurance product’s risks, charges, limitations, and expenses, as well as the risks, charges, expenses and investment objectives of the underlying investment options. This and other information about Pacific Life insurance products are provided in the applicable product and underlying fund prospectuses.  These prospectuses are available from your life insurance producer or by calling the toll-free numbers listed below. Read them carefully before investing or sending money.

The federal and state income tax laws in this area are complex and subject to change. Statements made herein are neither complete nor necessarily up-to-date. Neither Pacific Life nor its representatives give legal or tax advice. Consult your attorney or tax adviser for complete details.

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. 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 this product is 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, LLC (member FINRA & SIPC), a subsidiary of Pacific Life Insurance Company, and are available through licensed third-party broker-dealers.

Pacific Life’s Home Office is located in Newport Beach, CA.

The toll-free telephone number for Pacific Life is (800) 800-7681.

If you are an Appointed Pacific Life Insurance Producer, please visit for additional information on all of Pacific Life's products and services.