Indexed Universal Life Insurance

When you need death benefit protection, the right life insurance policy may also help protect against market downturns. Indexed universal life insurance (IUL) offers the growth potential of index-based interest crediting rates and the protection of guaranteed minimum interest crediting rates.


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 2022

Form series #P21IUL or ICC21 P21IUL and S22NGI or ICC22 S22NGI, based on state of policy issue

Indexed universal life insurance designed for long-term death benefit protection and supplemental retirement income potential. 

Pacific Horizon ECV IUL

Form Series #P21IUL or ICC21 P21IUL and S22ECV or ICC22 S22ECV 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 or ICC15 P15SIL and S22SHZN or ICC22 S22SHZM 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.


Client Guide
Pacific Trident IUL

P15IUL, S20TRI or ICC15 P15IUL, ICC20 S20TRI, based on state of policy issue.

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

Pacific Discovery Xelerator IUL 2

Policy Form #P15IUL and S18PDX2 or ICC15 P15IUL and ICC18 S18PDX2, based on state of policy issue.

Flexible, long-term life insurance providing death benefit protection and competitive cash value growth potential, which may be useful supplementing retirement income.

Pacific Indexed Accumulator 6 (PIA 6)

Policy Form #P15IUL and S18PIA6 or ICC15 P15IUL and ICC18 S18PIA6, based on state of policy issue.

Death benefit protection. High early cash surrender value potential. See how PIA 6 can help affluent individuals and businesses.

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.

Confidence in your future starts here

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.

*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).

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 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 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.

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


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