1 There are circumstances in which replacing your client’s existing life insurance or annuity can benefit your client. As a general rule, however, replacement is not in your client’s best interest. You should make a careful comparison of the costs and benefits, including any applicable surrender charges, of your client’s existing policy and the proposed policy to analyze how a replacement may affect your client’s plan of insurance. You should provide this detailed information to your client and discuss whether replacement is in your client’s best interest. 2 PL Promise GUL is a no-lapse guarantee universal life (GUL) insurance. Form series P18PRUL, S18PRUL, varies based on state of policy issue. 3 PL Promise Term is a level premium term life insurance. Form series P16LYT and S16LYT10, S16LYT15, S16LYT20, S16LYT25, or S16LYT30, varies based on level premium period chosen and state of policy issue.
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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.
Pacific Life Insurance Company is licensed to issue insurance products in all states except New York. Product/material availability and features may vary by state.
The primary purpose of life insurance is to provide death benefit protection in the event of the insured’s death.
This material reflects the Pacific Life Insurance policy features and benefits. All policy features and benefits may not be available through some Broker Dealers.
Life insurance is subject to underwriting and approval of the application and may incur monthly policy charges.
Pacific Life Insurance Company’s Home Office is located in Omaha, NE.
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