Free Virtual Workshop

One Policy.
Three Ways to Work.

For your family: lifelong protection, long-term growth potential and benefits you can use while you’re living. See how Pacific Select Harbor VUL works in a free 35-minute workshop.

Register for Free
  • 35 Minutes
  • 12 Weekly
    Access Windows
  • Online
    (Prerecorded)
  • Free &
    No Obligation
What you’ll discover

Three pillars, one clear picture

Each part of the workshop shows what the policy can do for you, then the costs and conditions that come with it.

Protection

Protection your family can count on

A death benefit designed to last your lifetime, generally paid to your beneficiaries income-tax-free.1

  • Protect your family, your estate or your business

What to know: Coverage continues while the policy stays in force.

Long-Term Growth Potential

Put your cash value to work for the long term

Direct your cash value among a diverse range of variable investment options, or two fixed options with guaranteed minimum interest crediting rates.

  • Tax-deferred cash value growth potential
  • A potential source of tax-free supplemental income2
  • Reallocate as your goals change

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.

Living Benefits

Benefits you can use while you’re living

Access available cash value when opportunities or emergencies arise.

  • A policy that adjusts as your life changes

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 →

1 Life insurance death benefits are generally income-tax-free to beneficiaries under IRC Sec. 101(a)(1); exceptions apply, such as certain transfers for value and employer-owned policies. 2 Tax-free income potential assumes, among other things, that withdrawals do not exceed tax basis, the policy remains in force until death, early withdrawals do not coincide with a reduction in benefits, and the policy is not a modified endowment contract. Loans, withdrawals and loan interest reduce policy values and may reduce benefits. Pacific Life does not provide tax advice.
Inside the workshop

Six chapters, 35 minutes

  1. Welcome
    The promise of one policy, and why protection matters    0:00
  2. Pillar 1: Protection
    Term or permanent, a lifelong death benefit    5:21
  3. Pillar 2: Long-Term Growth Potential
    How cash value works, investment options, potential tax advantages and business uses    11:13
  4. Pillar 3: Living Benefits
    Access to cash value    18:50
  5. Costs, risks and fit
    The policy’s charges, the risks to weigh, who it may fit, and the prospectus    25:28
  6. Your next step
    What happens in a consultation, and important information    31:22

About this program

The workshop is a prerecorded presentation of Pacific Select Harbor VUL from Pacific Life, delivered by an AI-generated narrator. It is free, with no obligation, and does not provide individualized advice. A recommendation is made only after a one-on-one suitability review. Ask for the current prospectus before you decide.

Register for the free workshop

Free · 35 minutes · Watch on any device. Your private viewing link is emailed to you.

Markist Athelus, FSCP®

Markist Athelus, FSCP®

Financial Services Agent (FSA)
Farmers Financial Solutions, LLC
“My mission is to help individuals and families build financial security, create income for the future, and leave a lasting legacy.”
Schedule Your Consultation