One Team. One Mission. A Best-In-Class Experience.
Underwriting
Pacific Accelerated Life+ (PAL+)
Designed to make doing business with us even easier, PAL+ offers choices for a dynamic and customizable approach to underwriting.
FLYER
Get to Know PAL+
With our streamlined underwriting, your clients' applications are intelligently routed for the least invasive underwriting method possible. See how this intelligent process works.
You Apply, We Do the Rest
Apply how you like or for our best experience, apply for accelerated underwriting using drop ticket with online health history.
ACCELERATED
No medical exam¹
No APS
- Up to $3M PL Promise Term coverage, ages 18-60
- Standard or better risk class
- Drop ticket only
- Choice of online or phone health history
MODIFIED
Physical with labs required within the past 12 months
- Up to $3M of PL Promise Term coverage, ages 18-70
- Up to $2M of PL Promise GUL coverage, ages 18-70
- All risk classes including substandard
- Drop ticket or paper application
- Choice of online or phone health history with drop ticket²
TRADITIONAL
We will notify you of any additional requirements as we process the application
- All ages, all face amounts
- Drop ticket or paper application
- Choice of online (up to $3M coverage and ages 18-70) or phone health history with drop ticket²
¹The issuance of the policy may depend upon answers to the health questions contained in the application.
²Paper applications require phone health history.
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Pacific Healthy Rewards
Get a winning combination of wellness crediting with a holistic, individualized approach to help.
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Clients Tired of Phone Interviews?
With our convenient online health history, your clients can complete their application—without even picking up the phone.
Not yet contracted with Pacific Life, have a question, or want to learn more about PL Promise life insurance products?
Reach out to your Broker General Agency (BGA) or contact us directly at:
PL Promise Sales Desk
(888) 900-9777
LynInternalSales@PacificLife.com
For contracted BGAs and producers, access Producer Bay (login required).
The Power of Pacific
At Pacific Life, putting customers first has allowed us to serve families and businesses successfully for nearly 160 years. As part of a mutual holding company structure, we have no publicly-traded stock, so we can focus on long-term strategies, financial strength, and the best interest of our policyowners.
You and your clients, our policyowners, are at the heart of the business decisions we make.
¹The issuance of the policy may depend upon answers to the health questions contained in the application.
²Paper applications require phone health history.