Pacific Select Harbor VUL is permanent life insurance from Pacific Life, designed to protect the people you love, give your cash value long-term growth potential, and offer benefits you can use along the way.
Each benefit below comes with the conditions that apply, so you can see the whole picture.
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 →
Variable universal life insurance is permanent life insurance. As long as the policy stays in force, it pays a death benefit to your beneficiaries. Part of each premium, after charges, goes into a cash value account that you direct among investment options.
That investment choice is what gives a VUL its growth potential, and also its risk: cash value can rise or fall with the markets, unlike whole life or traditional universal life, where the insurer credits interest.
The “universal” part is flexibility. Within policy limits you can adjust how much you pay and when, change your allocations, and access available cash value as your needs change.
The amount paid to your beneficiaries. Policies may offer a level benefit or one that includes cash value, chosen when you apply.
The portion of your premiums, after charges, that is allocated to your investment options. It can grow, and it can also lose value.
A diverse range of variable investment options, some using asset allocation, plus two fixed options with guaranteed minimum interest crediting rates.
Pay more in some years and less in others, within limits. Paying too little can cause the policy to lapse.
A VUL policy is a variable product. The current prospectus describes the policy's features, charges, investment options and risks in full. Ask Markist for the current prospectus and review it carefully.
Policy charges are deducted every month, and values can fall with the markets. Pacific Select Harbor VUL works best when it is funded consistently and held for the long term.
A life insurance policy is only as strong as the company that stands behind it. Pacific Life has served policyholders for nearly 160 years, and its fixed options and any policy guarantees are backed by its financial strength and claims-paying ability.
With Markist Athelus, FSCP®, you also get a licensed professional who prepares your personalized illustration, explains the costs, risks and conditions, and reviews your policy with you every year.
Guarantees, including the fixed options’ minimum crediting rates, depend on the claims-paying ability of Pacific Life Insurance Company. They do not protect the value of the variable investment options.
Your personalized illustration shows the protection and cash value potential for your age, budget and goals. Start with the free 35-minute workshop or request a consultation.