No credit scores. No black box. No rate class restrictions. Use PL Smooth Sailing, Pacific Life’s answer to fluidless underwriting as a competitive differentiator to maximize PL Promise Term sales.

PL Promise Term Growth Incentive


Are today’s ‘black box’ fluidless underwriting programs causing you to lose credibility and complicating your sales? Avoid the embarrassment!

Your clients have access to PL Smooth Sailing Underwriting for PL Promise Term Life Insurance.1 It offers clients ages 50-69 a straightforward underwriting process with NO credit scores and NO 'Black Box' scoring.

We guarantee the client will not have the hassle of an additional medical exam or lab work if he/she meets the clearly stated qualification requirements below.


Qualification Requirements
  • Client’s age at nearest birthday 50-69
  • Amount of coverage applied for and in force with Pacific Life must be less than or equal to $500K
  • Comprehensive physical and blood work from the applicant’s personal physician must have been completed in the last 18 months
  • Must use electronic ticket for initial phase
Say YES to PL Smooth Sailing Underwriting!
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Want More Help Marketing This Opportunity
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Rob Bisch
Field Vice President
(434) 386-1434
Email Rob
Internal Sales Desk
(844) 238-4872, opt 3
Email Sales Desk

1 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. The total amount of life insurance coverage applied for and inforce with Pacific Life may not exceed $500,000.

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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