Life Insurance With Long-Term Care Benefits

Products

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Pacific PremierCare Choice 100

Form #P17PCH and S17PCH100S or ICC17 P17PCH and ICC17 S17PCH100S, based on state of policy issue, whole life insurance product with long-term care benefits.

Designed for single premium convenience and certainty of full return of premium benefit.

PRODUCT RESOURCES:

Client Guide
Pacific PremierCare Choice Max

Form #P17PCH and S17PCHMAXS or ICC17 P17PCH and ICC17 S17PCHMAXS, based on state of policy issue, whole life insurance product with long-term care benefits.

Designed for single premium convenience and vested return of premium benefit.

PRODUCT RESOURCES:

Client Guide
Pacific PremierCare Choice Multi-Pay 100

Form #P17PCH and S17PCH100M or ICC17 P17PCH and ICC17 S17PCH100M, based on state of policy issue, whole life insurance product with long-term care benefits.

Fixed annual or monthly premiums over 5 or 10 years and full return of premium benefits.

PRODUCT RESOURCES:

Client Guide
Pacific PremierCare Choice Multi-Pay Max

Form #P17PCH and S17PCHMAXM or ICC17 P17PCH and ICC17 S17PCHMAXM, based on state of policy issue, whole life insurance product with long-term care benefits.

Fixed annual or monthly premiums over 5, 10, 15, or 20 years and vested return of premium benefit.

PRODUCT RESOURCES:

Client Guide
Pacific PremierCare Advantage

Form #P12PPC or ICC12 P12PPC, based on state of policy issue, flexible premium adjustable life insurance policy with long-term care insurance payable through reimbursements.

Designed for single premium convenience and certainty of full return of premium benefit.

PRODUCT RESOURCES:

Client Guide
Pacific PremierCare Advantage Multi-Pay

Form #P14PCF or ICC14 P14PCF, based on state of policy issue, fixed premium universal life insurance policy with long-term care insurance payable through reimbursements.

Fixed annual or monthly premiums over 5, 7, or 10 years and full return of premium benefit.

PRODUCT RESOURCES:

Client Guide
Pacific PremierCare Advantage

Form #P12PPC-CA, based on state of policy issue, flexible premium adjustable life insurance policy with long-term care insurance payable through reimbursements.

Designed for single premium convenience and certainty of full return of premium benefit.

PRODUCT RESOURCES:

Client Guide
Pacific PremierCare Choice 100

Form #P17PCH and S17PCH100S or ICC17 P17PCH and ICC17 S17PCH100S, based on state of policy issue, whole life insurance product with long-term care benefits.

Designed for single premium convenience and certainty of full return of premium benefit.

PRODUCT RESOURCES:

Client Guide
Pacific PremierCare Choice Max

Form #P17PCH and S17PCHMAXS or ICC17 P17PCH and ICC17 S17PCHMAXS, based on state of policy issue, whole life insurance product with long-term care benefits.

Designed for single premium convenience and vested return of premium benefit.

PRODUCT RESOURCES:

Client Guide
Pacific PremierCare Choice Multi-Pay 100

Form #P17PCH and S17PCH100M or ICC17 P17PCH and ICC17 S17PCH100M, based on state of policy issue, whole life insurance product with long-term care benefits.

Fixed annual or monthly premiums over 5 or 10 years and full return of premium benefits.

PRODUCT RESOURCES:

Client Guide
Pacific PremierCare Choice Multi-Pay Max

Form #P17PCH and S17PCHMAXM or ICC17 P17PCH and ICC17 S17PCHMAXM, based on state of policy issue, whole life insurance product with long-term care benefits.

Fixed annual or monthly premiums over 5, 10, 15, or 20 years and vested return of premium benefit.

PRODUCT RESOURCES:

Client Guide
Pacific PremierCare Advantage

Form #P12PPC or ICC12 P12PPC, based on state of policy issue, flexible premium adjustable life insurance policy with long-term care insurance payable through reimbursements.

Designed for single premium convenience and certainty of full return of premium benefit.

Pacific PremierCare Advantage Multi-Pay

Form #P14PCF or ICC14 P14PCF, based on state of policy issue, fixed premium universal life insurance policy with long-term care insurance payable through reimbursements.

Fixed annual or monthly premiums over 5, 7, or 10 years and full return of premium benefit.

There are no products currently available in your state.

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These products are intended to provide federally tax-qualified long-term care insurance as defined in IRC Section 7702B(b). Tax treatment of long-term care benefits may depend on factors such as the amount of benefits in relation to certain IRS limitations (referred to as "per diem" limitations), the amount of qualified expenses incurred or if similar benefits are being received under other contracts. When benefits are received from multiple policies providing long-term care for a given insured, including policies with different owners, those benefits must be aggregated to determine their taxability. Pacific Life cannot determine whether the benefits are taxable. Clients are advised to consult with qualified and independent legal and tax advisors for more information. This policy has certain exclusions, limitations, and terms under which the which the policy may be continued in force or discontinued. For costs and complete details of the coverage, contact your life insurance producer.

Long-Term Care Benefits are reduced by any policy distributions (loans or terminal illness benefit). Death Proceeds and Return of Premium Benefit will also be reduced by policy distributions and Long-Term Care Benefits.

These products are subject to underwriting and approval of the application and may include obtaining records from your physician. No medical exam is required, but a Medical Information Bureau (MIB) and prescription report will be ordered and a Personal History Interview and Cognitive Assessment will be performed via telephone as part of the underwriting process. 

For Pacific PremierCare Choice Max and Pacific PremierCare Choice Multi-Pay Max Only: The Return of Premium benefit is based on cumulative premium paid to date and may be subject to a vesting schedule.

Pre-Existing Conditions Limitation: A pre-existing condition means a condition for which medical advice or treatment was recommended by, or received from, a provider of health care services, within six months of the Policy Date. We will not reduce or deny any claim under this Rider because of a pre-existing condition or disease that is disclosed on the Application. Any loss occurring within six months of the Policy Date with respect to a pre-existing condition or disease not disclosed on the application will not be covered.

Exclusions, Exceptions, and Limitations: Pacific Life will not pay benefits for care or services: 1) provided by the Insured’s Immediate Family unless he or she is a regular employee of an organization which is providing the treatment, service or care; and the organization receives the payment for the treatment, service or care, or provided by the Insured’s Immediate Family unless the Indemnity Benefit Option is in effect and benefits are being paid for Home and Community Care; 2) for which no charge is normally made in the absence of insurance; 3) provided outside the United States of America except as provided under the Indemnity Option's International Benefit; 4) that result from an attempt at suicide (while sane or insane) or an intentionally self-inflicted injury; 5) that result from alcoholism or drug addiction; 6) that result from committing or attempting to commit or participating in a felony, riot or insurrection; 7) provided in a government facility (unless otherwise required by law); 8) for which benefits are available under Medicare (including amounts that would be reimbursable but for the application of a deductible or coinsurance amount) or other governmental program (except Medicaid), any state or federal workers’ compensation, employer’s liability or occupational disease law, or any motor vehicle no-fault law. No benefits will be paid for services received while the Accelerated Benefit Rider (ABR) and the Extended Benefit Riders (EBR) for Long-Term Care are not in effect. 

Pacific Life Insurance Company will provide you with a sample policy by requesting one here.

Pacific Life Insurance Company 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 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.

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

ICC18 18-137