national independent marketing organization 40 years supporting brokers specializing in advanced...
TRANSCRIPT
National
IndependentMarketing
Organization • 40 Years Supporting Brokers• Specializing in Advanced Designs for
Estate and Business Planning • Industry competition analysts• New business support• Experienced case design support• Training• Life, Disability, LTC, and Annuities
THE POWER TO HELP YOU SUCCEED
For Life Insurance Producer Use Only. Not for Use with the Public. 1 of 12
Life Insurance for Your Clients’ Family, Business, and Estate
MKT12-261A1/2013
EXPERIENCELIFE AT THEPACIFIC
For Life Insurance Producer Use Only. Not for Use with the Public.
A MUTUAL HOLDING COMPANY STRUCTURE …
PROMISES
… allows Pacific Life to take the
LONG-TERM VIEW.… allows Pacific Life to take the
LONG-TERM VIEW.• No publicly traded stock – we operate for
the benefit of our policyowners and clients
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27 Life insurance products with current
Cost of Insurance (COI) improvements
19 Life insurance products with current
premium load reduced twice
10 Life insurance products added zero
net loan spread
• Zero interest on loan spread on a current basis
7 Products benefiting from a "reduction
in Deferred Acquisition Cost adjustment“
6 Life insurance products received COI
improvements two or more times
4 Life insurance products received an
increase in the persistency credit
1 Life insurance product reduced the
mortality and expense charge
123 IMPROVEMENTS BENEFITING POLICYOWNERS SINCE 1985
1 Life insurance product received a
reduced surrender charge
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FINANCIAL RATINGS
STRENGTH
RATING AGENCY RATING RANKING
A.M. Best A+(Superior) 2nd of 17 rankings
Standard & Poor’s
AA- (Very Strong) 5th of 21 rankings
Fitch A+ (Strong) 5th of 21 rankings
Moody’s A1 (Good) 5th of 21 rankings
As of 1/2013.For most current ratings, visit www.PacificlLife.com.
RATING AGENCY RATING RANKING
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30 (60%) of the 50 largest U.S. companies are our clients
52 (52%) of the 100 largest U.S. companies are our clients
182 (36%) of the 500 largest U.S. companies are our clients
Client count as of May 2012 is compiled by Pacific Life using the 2012 FORTUNE 500® list.
PACIFIC LIFE CLIENTS AMONGTHE 500 LARGEST U.S. COMPANIES
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$116,811 Million
$107,852 Million
Pacific Mutual Holding Company as of 12/31/2011.
$225 BILLION OF INDIVIDUAL LIFE INSURANCE IN FORCE
Policyowner and other liabilities
Company assets
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COMBINEDSUPPORT
RESOURCES & TOOLS
POLICYOWNER WEBSITE Check policy values Download forms Education center
www.PacificLife.com
ADVANCED DESIGNS Estate, business, and estate
planning support Sales concept evaluation
WEBSITE Sales ideas Product information, advanced
market concepts, applications, and forms
PLANNED PERFORMANCE TRACKING Automated inforce illustrations Policy tracking reports Policy alerts
Lifeline.PacificLife.com
www.champion-agency.com
1-800-274-04333
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PRODUCTS
SPECTRUM OF DIVERSITYVariable Universal Life (VUL)
• Single life and second to die• 5 indexed accounts and 1 fixed account• High current growth cap and participation rates
Indexed Universal Life (IUL)
• Single life and second die• Single life with long-term care benefit
Universal Life (UL)
• 10 and 20 year level premium• Income term
Term
• Single life and second to die• Wide spectrum of variable investment
options• Lifecycle portfolios• Indexed-based asset allocation portfolios• Specialty funds• Portfolio Optimization portfolios
• Services to reinforce buy/sell discipline
• Dollar Cost Averaging• Charges by Investment Option• First-Year Transfer Program• Fixed Option Interest Sweep
For Life Insurance Producer Use Only. Not for Use with the Public. 9 of 12
Single Life Sales
• #1 UL• #1 IUL • #2 VUL
Joint Life Sales
• #2 IUL• #2 VUL
LIMRA International, 3rd Quarter 2012 Confidential Sales Survey of Participating Life Insurance Companies. Sales rankings for Pacific Life Insurance Company are based on planned recurring premium as measured against 85 participating companies.
SALES RANKINGS
#5 in overall sales
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PEOPLE
GET TO KNOW US
• Dedicated investment marketing team for VUL• Advanced designs team of attorneys• Industry competition analysts• New business support• Experienced case design support
THE POWER TO HELP YOU SUCCEED
For Life Insurance Producer Use Only. Not for Use with the Public. 11 of 12
COMMITMENTLOOKBEYONDTHE WHALE
For more than 140 years, we have maintained a steady eye on the future while focusing on the
needs of our clients and policyowners.
The Pacific Life Experience
For Life Insurance Producer Use Only. Not for Use with the Public. 12 of 12
Investment and Insurance Products: Not a Deposit – Not FDIC Insured – Not Insured by any Federal Government Agency – No Bank Guarantee –
May Lose Value
Pacific Life Insurance CompanyNewport Beach, CA
(800) 800-7681 * www.PacificLife.com
Pacific Life & Annuity CompanyNewport Beach, CA
(888) 595-6996 * www.PacificLife.com
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 fixed subaccount 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 regardingthe claims-paying ability of the life insurance company.
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