1 Life Happens, “Key Findings for the 2018 Insurance Barometer Study” 
2, "2020 Estate Planning and Wills Study" 
3 Insurance Quotes, “Why Not Having Insurance Says a Lot About You", accessed Sept. 2020
4, “Life Insurance Statistics – Industry Facts, Figures & Data”, accessed Sept. 2020
5 Investopedia, “Term Life Insurance”, accessed Sept. 2020
6 Social Security Administration, “Retirement & Survivors Benefits: Life Expectancy Calculator”, accessed Sept. 2020
7 Life Happens, “Life Insurance Offers Protection and Peace of Mind”, Feb. 2019

Life insurance is subject to underwriting and approval of the application and will incur monthly policy charges.

Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company and do not protect the value of the variable investment options, which are subject to market risk.

Pacific Life, its distributors, and 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.

In order to sell life insurance, a financial professional must be a properly licensed and appointed life insurance producer.

For federal income tax purposes, life insurance death benefits generally pay income tax-free to beneficiaries pursuant to IRC Sec. 101(a)(1). In certain situations, however, life insurance death benefits may be partially or wholly taxable. Situations include, but are not limited to: the transfer of a life insurance policy for valuable consideration unless the transfer qualifies for an exception under IRC Sec. 101(a)(2)(i.e. the transfer-for-value rule); arrangements that lack an insurable interest based on state law; and an employer-owned policy unless the policy qualifies for an exception under IRC Sec. 101(j).

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's Home Office is located in Newport Beach, CA.


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