Two Ways to Sail for a Better Underwriting Journey
for PL Promise Term * from Pacific Life
When applying for PL Promise Term , there are two opportunities for an expediated underwriting process — accelerated or fluidless .
PL SWIFT SAILING Accelerated Underwriting
PL SMOOTH SAILING Fluidless Underwriting
Up to $ 2 Million in Life Insurance
No medical exams , no attending physician statement ( APS )
Ages 18 – 60 , standard or better risk classes
Up to $ 1 Million in Life Insurance
APS and physical with labs within last 18 months
Ages 50 to 69 , all risk classes
Quicker decisions Decisions within standard time frame
Only those who do not qualify are passed through for full underwriting .
Pacific Life Insurance Company
* PL PROMISE TERM Level Premium Term Life Insurance . Policy Form # P16LYT or ICC16 P16LYT and S16LYT10 , S16LYT15 , S16LYT20 , S16LYT25 , or S16LYT30 , based on level premium period chosen and state of policy issue . The primary purpose of life insurance is to protect the policy beneficiaries from the adverse financial consequences of the insured ’ s death . This ad is intended for Financial Professional Use Only . If you are not a Financial Professional , please visit our public website at www . PacificLife . com . 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 . 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 . Life insurance is subject to underwriting and approval of the application . This material may not be used in New York . Pacific Life Insurance Company ’ s Home Office is located in Newport Beach , CA