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 floors.

Indexed Universal Life Insurance Products

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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 Discovery Xelerator IUL

Policy Form #P15IUL and S16PDX or ICC15 P15IUL and ICC16 S16PDX, based on state of policy issue.

Long-term life insurance designed for protection and supplemental income potential.


Client Guide
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 Accumulator 5

Policy Form #P15IUL, S15PIA5 or ICC15 P15IUL, ICC15 S15PIA5, based on state of policy issue

Flexible life insurance designed for protection and high cash surrender value potential, which may be helpful in corporate-owned or sponsored plans.


Client Guide
Pacific Discovery Protector IUL

Policy Form #P15IUL and S17PDP or ICC15 P15IUL and ICC17 S17PDP, based on state of policy issue

Long-term life insurance designed for protection and efficient wealth transfer.


Client Guide
Pacific Indexed Performer LT 2

Policy Form #P15IUL, S15PIAP or ICC15 P15IUL, ICC15 S15PIAP, based on state of policy issue.

Versatile life insurance designed for goals such as protection, wealth preservation, or supplemental income potential.


Client Guide
Pacific Indexed Estate Preserver 2

Policy Form #P15SIL, S15IEP2 or ICC15 P15SIL, ICC15 S15IEP2, based on state of policy issue.

Survivorship life insurance protection that pays a death benefit once both insureds have died. Designed for flexible, efficient estate preservation.


Client Guide
There are no products currently available in your state.

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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.

Pacific Life reserves the right to change or modify any non-guaranteed or current elements. The right to modify these elements is not limited to a specific time or reason.

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.