One policy. Three ways to work for your family: lifelong protection, long-term cash value growth potential, and living benefits you can use along the way.
Costs, risks and conditions apply. Coverage continues while the policy is in force.
Pick the situation that sounds most like yours. Each page shows where Pacific Select Harbor VUL may fit, where it may not, and what it costs.
Many families handle protection, long-term saving and the unexpected separately. Pacific Select Harbor VUL from Pacific Life brings all three together in one flexible policy.
A death benefit designed to last your lifetime, generally paid to your beneficiaries income-tax-free.1
What to know: Coverage continues while the policy stays in force.
Direct your cash value among a diverse range of variable investment options, or two fixed options with guaranteed minimum interest crediting rates.
What to know: Variable options can lose value, including principal. Fixed-option guarantees depend on Pacific Life’s claims-paying ability, and an asset charge may reduce their yield. Transfer limits and policy charges apply; the policy works best when funded consistently for the long term.
Explore the investment options →Access available cash value when opportunities or emergencies arise.
What to know: Loans and withdrawals reduce cash value and the death benefit and can cause a lapse and taxes.
Costs and risks apply to every benefit. See charges and risks →
Guarantees are backed by the financial strength and claims-paying ability of Pacific Life Insurance Company. Tax advantages depend on how the policy is funded and used.
Our free online workshop walks you through Pacific Select Harbor VUL pillar by pillar: how it protects your family, how cash value can grow over the long term, and the living benefits you can use along the way, with the costs and conditions explained clearly.
Lifelong protection, long-term growth potential and living benefits, in one flexible variable universal life policy from Pacific Life.
1 Exceptions apply; see the note under the pillars above. Cash value is not guaranteed and can decline with market performance. See charges and risks.
Request a free consultation and see how Pacific Select Harbor VUL could work with your own numbers.
Pacific Select Harbor VUL may be worth exploring if you:
It is a long-term commitment with market risk and ongoing charges; term insurance or other options may fit some needs better.
“My mission is to help individuals and families build financial security, create income for the future, and leave a lasting legacy.”Schedule Your Consultation
