Discover financial solutions that protect your future and provide peace of mind. Whether you're exploring annuities, life insurance, or understanding employee benefits through your workplace, Pacific Life offers resources and products designed to meet your personal and family goals.

Support your workforce with innovative employee benefits and retirement solutions. Pacific Life partners with business owners, benefits administrators, and pension fund managers to create customized programs that attract and retain top talent while securing their financial future.

Simplify complex retirement and pension risk management with our tailored solutions for large organizations. Pacific Life specializes in working with institutions to address their unique challenges, offering expertise in pension de-risking and strategic retirement planning for a more secure future.

Empower your clients with confidence by leveraging Pacific Life’s comprehensive portfolio of financial products. From annuities to life insurance, we provide the tools, resources, and support to help financial advisors and brokers deliver exceptional value and long-term results.

  • Individuals

    Discover financial solutions that protect your future and provide peace of mind. Whether you're exploring annuities, life insurance, or understanding employee benefits through your workplace, Pacific Life offers resources and products designed to meet your personal and family goals.

  • Employers

    Support your workforce with innovative employee benefits and retirement solutions. Pacific Life partners with business owners, benefits administrators, and pension fund managers to create customized programs that attract and retain top talent while securing their financial future.

  • Institutions

    Simplify complex retirement and pension risk management with our tailored solutions for large organizations. Pacific Life specializes in working with institutions to address their unique challenges, offering expertise in pension de-risking and strategic retirement planning for a more secure future.

  • Financial Professionals & Brokers

    Empower your clients with confidence by leveraging Pacific Life’s comprehensive portfolio of financial products. From annuities to life insurance, we provide the tools, resources, and support to help financial advisors and brokers deliver exceptional value and long-term results.

Indexed Universal Life Insurance

When you need death benefit protection, an indexed universal life insurance policy may also help protect against market downturns. Indexed Universal Life (IUL) offers a death benefit along with growth potential of the policy’s cash value, which is money within the policy that can accumulate over time, and includes guaranteed protection against a level of loss.

HAVE MORE QUESTIONS ABOUT IUL?

Whether you're considering purchasing an IUL policy or would like to understand your existing policy better, get the answers you're looking for here.

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Indexed Universal Life Insurance Products

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Pacific Horizon IUL 2

Form series P21IUL, 523HZNZ-B, S23HZNZ-B, or S23HZNZ-L, varies based on coverage design option and state of policy issue.

Indexed universal life insurance providing death benefit protection, competitive guarantees, and customization options to help meet a lifetime of needs.

Pacific Horizon IUL 2

Form series P21IUL, 523HZNZ-B, S23HZNZ-B, or S23HZNZ-L, varies based on coverage design option and state of policy issue.

Indexed universal life insurance providing death benefit protection, competitive guarantees, and customization options to help meet a lifetime of needs.

Pacific Horizon ECV IUL

Form Series P21IUL, S22ECV, varies based on state of policy issue.

Death benefit protection. High early cash surrender value potential. See how Pacific Horizon ECV IUL can help businesses and affluent individuals.

Pacific Horizon Survivorship IUL 

Form Series P15SIL, S22SHZN, varies based on state of policy issue.

Flexible last-survivor indexed universal life insurance protection with long-term growth potential, useful for flexible death benefit protection on two lives.

Pacific Trident IUL

Form Series P15IUL, S20TRI, varies based on state of policy issue.

Indexed universal life insurance providing death benefit protection, competitive guarantees, and the flexibility to help meet a lifetime of needs. 

Pacific Indexed Estate Preserver 3

Policy Form # P15SIL and S19IEP3 or ICC15 P15SIL and ICC19 S19IEP3, based on state of policy issue.

Flexible last-survivor indexed universal life insurance protection with long-term growth potential, useful for flexible death benefit protection on two lives.

There are no products currently available in your state.

Find a Financial Professional

You want to reach your goals. A financial professional can help you get there.

A financial professional must be a properly licensed and appointed life insurance producer to sell life insurance products.

1For 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).

2Indexed accounts based in part on the performance of the S&P 500 index exclude dividends in their calculation.

Indexed Universal Life Insurance products do not directly participate in any stock or equity investments.

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.

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

Product(s) Not Available in New York.

Pacific Life refers to Pacific Life Insurance Company and its subsidiary Pacific Life & Annuity Company. Insurance products can be issued in all states, except New York, by Pacific Life Insurance Company and in all states by Pacific Life & Annuity Company. Product/material 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, its affiliates, their 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.

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. 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.

The home office for Pacific Life & Annuity Company is located in Phoenix, Arizona. The home office for Pacific Life Insurance Company is located in Omaha, Nebraska.

Pacific Life Insurance Company and Pacific Life & Annuity Company.

Investment and Insurance Products: No Bank Guarantee • Not a Deposit • May Lose Value • Not FDIC/NCUA Insured • Not Insured by any Federal Government Agency

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