Here’s an easier way to apply with a fluidless underwriting program for life insurance.
PL Smooth Sailing Underwriting
An option for older ages with no rate class restrictions
img1 Up to $1 Million Life Insurance Death Benefit Protection* With No Medical Exams
img1 No Needles – No Blood Work – No Bodily Fluids – No EKGs – No Treadmills
img1 Ages 50–69, Any Risk Class Including Substandard
img1 Client Experience: Phone Interview and Application with Comprehensive Physical and Blood Work available from Primary Physician within last 18 months; up to two years of history may be requested
img1 Flexible Application Process: Submit Ticket or Full Application. Choose the Method that Works Best for You!
img1 Additional Requirements: We will order the typical prescription report, medical information bureau, and motor vehicle reports
That’s it! Simple. Easy. Transparent.
It’s PL Smooth Sailing.
Start Promoting PL Smooth Sailing With Your Life Insurance Producers Today!
Questions? We’re Here to Help.
(844) 238-4872, Option 3 or

*PL Smooth Sailing is available with PL PROMISE TERM Level Premium Term Life Insurance (Policy Form #P16LYT or ICC16 P16LYT and S16LYT 10, S16LYT 15, S16LYT 20, S16LYT 25, or S16LYT 30, based on level premium period chosen and state of policy issue), and PL PROMISE GUL No-Lapse Guarantee Universal Life Insurance (Policy Form #P18PRUL and S18PRUL or ICC18 P18PRUL and ICC18 S18PRUL, based on state of policy issue). The total amount of life insurance coverage applied for and inforce with Pacific Life may not exceed $1 million.

For Financial Professional Use Only. Not For Use With The Public.

This email may be considered advertising under applicable law.

Pacific Life 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 refers to Pacific Life Insurance Company and its affiliates, including Pacific Life & Annuity Company. Insurance products are issued by Pacific Life Insurance Company in all states except New York and in New York by Pacific Life & Annuity Company. Product availability and features may vary by state. Each insurance company is solely responsible for the financial obligations accruing under the products it issues. 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.

This material may not be used in New York.

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


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