Get your clients up to $250,000 in death benefit protection without medical exams. Pacific Life’s Simplified Underwriting (SUW) offer(1) makes cash value life insurance coverage simpler than ever.
Which of my clients would qualify?
- Ages 25-60
- In good health
- No significant medical history such as diabetes, heart disease, or cancer
- Must never have been rated or declined for life insurance
- No foreign residency
- Should speak English fluently -- foreign language translation not available
What are the offer details?
- Available on most Pacific Life single life cash value life insurance products
- Death Benefit Option A (level) or B (increasing) only
- $250,000 maximum
- Super Preferred and Preferred Plus are NOT available with SUW
- Temporary Insurance Agreement (TIA) is available
- Spouse and Children’s Riders are not available (see the below for a complete list of unavailable riders)2
- Tele-APP process only (see below)
How do I get started?
Just follow these 4 simple steps:
1
Submit a simple form*
and signed illustration
2
3
A BDLife212
representative will
conduct a short
telephone interview
4
We’ll review all case
information and
make the offer
Option to Get up to $3 Million Coverage with No Medical Exams
Your highly compensated clients can get up to $3 million in life insurance coverage
with no medical exams using our Executive Class Simplified Underwriting Program.**
** Eligibility for Executive Class Underwriting is based on health, age, income ($200,000+ annual income), occupational risk, and other factors. Additional
requirements may be requested, depending on answers to medical and nonmedical questions in the application. Policy must be a life insurance with accumulation
design (minimum non-modified endowment contract death benefit (level or increasing) with premiums illustrated at least the 7-Pay Premium or 90% of the
Guideline Level Premium.
All riders(2) are available EXCEPT the following:
• Accidental Death Rider (Form #R84-AD)
•Annual Renewable Term Rider-Additional Insured Rider (Form #R08RTA)
•Children’s Term Rider (Form #R84-CT)
•Disability Benefit Rider (Form #R84-DB)
•Guaranteed Insurability Rider (Form #R84-GI and #R93-GI)
•SVER Term Insurance Rider–Trust/Executive Benefit, SVER Term Insurance Rider–Corporate (Form #R09SVERT, ICC12 R12SVC or R12SVC)(3),(4)
•Waiver of Charges Rider (Form #R84-WC & R08WC)
2 Rider availability varies by product. Please refer to the respective product guide for more details. Riders will likely incur additional charges and are subject to state availability, restrictions and limitations. Clients should be shown policy illustrations with and without riders to help show the rider’s impact on the policy’s values.;
3 Form number based on state and product in which policy is issued.
4 In some states, this rider is called the Term Insurance Rider and Term Insurance Rider—Trust/Executive Benefit, or Term Insurance Rider—Corporate.;
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.
