NAILBA Perspectives Winter 2020 | Page 2

5 Ways to Jump Start Your Life Insurance Business! Did you know the biggest opportunity in life insurance is in the broad market? With over $4.9 trillion 1 in U.S. life insurance coverage gaps for the broad market, you can help boost your business with PL Promise from Pacific Life. 1 PL Promise Term 2 Help your clients fulfi ll their promises with affordable death benefi t coverage, recently repriced to be even more competitive! 1 2 3 4 5 2 PL Promise Conversion UL 3 Early conversion incentives for your clients when they upgrade their coverage from PL Promise Term! 3 PL Smooth Sailing 4 Predictable, transparent fl uidless underwriting for clients at older ages with no risk class restrictions! 4 PL Promise GUL 5 5 Guaranteed death benefi t protection at an affordable price for the broad market. Source: “Mass Affl uent Market: Financial Product Ownership,” LIMRA, June 2016. PL PROMISE TERM Level Premium Term Life Insurance. Policy Form #P16LYT or ICC16 P16LYT and S16LYT 10, S16LYT 15, S16LYT 20, S16LYT 25, or S16LYT 30, based on level premium period chosen and state of policy issue. PL PROMISE CONVERSION UL (Policy Form #P17LYCUL or ICC17 P17LYCUL, based on state of policy issue) universal life (UL) insurance with no-lapse guarantee. Early conversion is years 1-4 for 10-year-term; 1-7 for 15-year-term; 1-9 for 20-year-term; 1-12 for 25-year-term; and 1-14 for 30-year-term. There are circumstances in which converting the client’s existing life insurance or annuity can benefi t the client. As a life insurance producer it is your responsibility to provide your client with detailed information as to how a conversion may affect the client’s plan of insurance. Clients should be advised to make a careful comparison of the costs and benefi ts of the existing policy and the proposed policy to determine whether conversion is the right decision for the client. Request additional details from your Pacifi c Life representative. PL Smooth Sailing is available with PL PROMISE TERM Level Premium Term Life Insurance, and PL PROMISE GUL No-Lapse Guarantee Universal Life Insurance. The total amount of life insurance coverage applied for and inforce with Pacifi c Life may not exceed $1 million. PL PROMISE GUL No-Lapse Guarantee Universal Life Insurance. Policy Form #P18PRUL and S18PRUL or ICC18 P18PRUL and ICC18 S18PRUL, based on state of policy issue. Robust eCapabilities Make life easier with eDelivery of Policies, eTicket with client voice signature, eMarketing tools, and more! Free marketing tools make it easy to start selling. This ad is intended for Financial Professional Use Only. If you are not a Financial Professional, please visit our public website at www.Pacifi cLife.com. Pacifi c Life is a product provider. It is not a fi duciary and therefore does not give advice or make recommendations regarding insurance or investment products. Pacifi c Life refers to Pacifi c Life Insurance Company and its affi liates, including Pacifi c Life & Annuity Company. Insurance products are issued by Pacifi c Life Insurance Company in all states except New York and in New York by Pacifi c Life & Annuity Company. Product availability and features may vary by state. Each insurance company is solely responsible for the fi nancial obligations accruing under the products it issues. Insurance products and their guarantees, including optional benefi ts and any crediting rates, are backed by the fi nancial 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 affi liates 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. This material may not be used in New York. Life insurance is subject to underwriting and approval of the application, and will incur monthly charges. Pacifi c Life’s Home Offi ce is located in Newport Beach, CA. 19-32 Contact Pacifi c Life - Lynchburg to learn more: (844) 238-4872 Option 3 or LynInternalSales@Pacifi cLife.com