A Friendlier Way to Do Business

We’ve combined PL Swift and PL Smooth Sailing programs into one seamless process with Pacific Accelerated Life+ (PAL+).

FLYER

Meet Your New PAL+

Applying for life insurance just got better with Pacific Accelerated Life+ (PAL+). See how it works.

One Seamless Process, Three Possible Pathways:
You Apply, We Do the Rest

With our streamlined underwriting, your clients’ applications are intelligently routed for the least invasive underwriting method possible.

For example, if your clients are first considered for accelerated underwriting and they do not qualify, they’re automatically considered for modified underwriting where a physical with full lab work within the past 12 months is required. If your clients don’t qualify for modified underwriting, they’re automatically pivoted to traditional underwriting.

Apply how you like or for our best experience, apply for accelerated underwriting using drop ticket with online health history.

ACCELERATED

No medical exam*
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 ticket^†

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 ticket^†

* The issuance of the policy may depend upon answers to the health questions contained in the application.
† Paper applications require phone health history.

Underwriting Resources

Explore our eCapabilities

Pair PAL+ with our time-saving eCapabilities for the best experience.

We're Here to Help!

Reach out to your Broker General Agency (BGA) or contact us directly:

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 over 150 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.

PL Promise Products: 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. 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. PL PROMISE CONVERSION UL Universal Life Insurance with No-Lapse Guarantee available upon conversion from PL Promise Term Life Insurance. Policy Form #P17LYCUL or ICC17 P17LYCUL, based on state of policy issue. There are circumstances in which replacing your client’s existing life insurance or annuity can benefit your client. You should make a careful comparison of the costs and benefits, including any applicable surrender charges, of your client’s existing policy and the proposed policy to analyze how a replacement may affect your client’s plan of insurance. You should provide this information to your client and discuss whether replacement is in your client’s best interest.

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 Insurance Company is licensed to issue insurance products in all states except New York. Product/material availability and features may vary by state.

Life insurance is subject to underwriting and approval of the application and may incur monthly policy charges.

Pacific Life Insurance Company is located in Omaha, Nebraska.

©Copyright 2025, Pacific Life

21-61B

MS-50829-02 10/22