Check out the latest term life insurance reprice from Pacific Life.
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Take another look at PL Promise Term.
We've adjusted pricing.

      PL Promise Term Life Insurance¹ offers a combination no one else has:

  • Competitive for ages 45+ preferred classes
  • Competitive for term duration 25 years–male/female, all ages, preferred rate classes
  • PL Smooth Sailing fluidless underwriting program for ages 50-69
  • Effective March 29, 2021
MALE | Age 50, $1 Million Death Benefit, Select No Nicotine (SLNN), 20-Year Term²
Compare Annual Premium Annual Rank Monthly Premium Monthly Rank
Pacific Life PL Promise Term 20 $2,656.30 2 $225.79 2
Banner OPTerm Term 20 $2,656.29 1 $225.78 1
AIG Select-a-Term 20 $2,656.30 2 $227.11 3
Transamerica Trendsetter Super 20 $2,710.00 3 $233.06 4
John Hancock Protection Term 20 $2,738.00 4 $236.84 5
ANICO Signature Term 20 $2,750.00 5 $237.60 6
Symetra Term 4.0 20 $2,767.17 6 $242.13 7
John Hancock Protection Term 20 (with Vitality Rider) $2,820.14 7 $243.95 8
Transamerica Trendsetter LB 20 $3,250.00 8 $279.50 9
Prudential Term Essential 20 $3,295.00 9 $288.32 10
 
CheckmarkNavy_70x70.png No paramed exam for qualifying applicants ages 50 – 69 up to $1 million value with all application submissions and comprehensive physical and blood work from primary physician within the last 18 months! Download PL Smooth Sailing brochure to see qualification requirements.
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1 PL Smooth Sailing is available with PL PROMISE TERM Level Premium Term Life Insurance. Policy Form #P16LYT or ICC16 P16LYT and S16LYT10, S16LYT15, S16LYT20, S16LYT25, or S16LYT30, 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 $1 million.

2 Competitive Positioning of non-affiliated companies as of 3/15/2021 CompuLife: American General Life Insurance Company (AIG) Select-a-Term (ICC16-16901), American National Insurance Company (ANICO) Signature Term (ART12), Banner Life Insurance Company OPTerm (ICC18-OPTC),  John Hancock Insurance Company Protection Term (ICC17 TL22, TL22 0417), Pruco Life Insurance Company (Prudential) Term Essential (ICC16 PLTIC-2016), Symetra Term 4.0 (ICC16_LC1), Transamerica Life Insurance Company Trendsetter Super (ICC17 TL22) and LB (ICC16 TL23). Pacific Life PL Promise Term (ICC16 P16LYT) rates are effective 3/29/2021.

Many life insurance products have some flexibility in how they are structured. Each policy selected, illustrated, and sold should be structured based upon your client's particular insurance needs and financial objectives. It is your responsibility to know that the particular policy selected, illustrated, and sold will meet your client's needs and objectives.

Competitor information presented based on publicly available data. While we believe it is accurate, we cannot assure you that this is the most current information. Please contact the company for a current illustration and product information.

Underwriting criteria will differ from company to company; we attempted to use comparable risk classes across all companies.


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.

17-175D EM-46520-06  3/21  E721

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This email was sent by Pacific Life – Broad Market from 700 Newport Center Drive, Newport Beach, CA 92660 United States.