PL Promise Products

Life insurance is a long-term promise. Backed by the financial strength of Pacific Life, PL Promise products provide affordable death benefit protection and more.

Which Product Could Be Right for Your Clients?

Icon

PL Promise Term

  • Competitively priced with 10-, 15-, 20-, or 30-year level premium periods
  • Fast, convenient process and award‑winning customer service
  • A conversion option with no new underwriting 
Icon

PL Promise Conversion UL

  • An attractive conversion product with early-conversion incentives, return of premium, and guaranteed acceptance
  • Flexibility to convert all or just a portion of your client’s PL Promise Term coverage
  • Terminal illness benefit at no additional charge
Icon

PL Promise GUL

  • An affordable guaranteed death benefit protection with predictable premiums
  • Flexibility of a return of premium feature at no additional cost
  • A potentially more affordable alternative to whole life insurance

Keeping Promises

See how we make it easier to get the coverage your clients need:

 
PL Promise Products At-A-Glance Flyer
No data found
Load More
 

Conversation Starters

Check out these client-friendly materials:

 
Pacific Life At a Glance
The Pacific Life Difference
PL Promise Conversion UL Client Flyer - Time to Extend
PL Promise Chronic Illness Care Rider Client Flyer (Not Approved in CA)
How protected are American women? Secure Her Future.
No data found
Load More

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.

Icon

#1 in Life Insurance Distribution Partner Satisfaction

The JD Power 2026 U.S. Life & Annuity Distribution Partner Experience Study measures independent financial professionals’ satisfaction with the company whose products they sell. Visit jdpower.com/awards for more details.

Icon

Best Overall
Life Insurance Company of 2026

Pacific Life named Best Overall Life Insurance Company by Forbes Advisor for 2026. Valentine, A. "8 Best Life Insurance Companies of 2026." Forbes Advisor, January 7, 2026.

Icon

Ethisphere Institute's World's Most
Ethical Companies®

Pacific Life has been named one of the 2026 World's Most Ethical Companies® by the Ethisphere Institute based on the Ethisphere Institute’s Ethics Quotient®. “World’s Most Ethical Companies” and “Ethisphere” names and marks are registered trademarks of Ethisphere LLC.

The primary purpose of life insurance is death benefit protection.

In order to sell life insurance, a financial professional must be a properly licensed and appointed life insurance producer.

¹Forbes Advisor “Best Life Insurance Companies 2022”: https://www.forbes.com/advisor/life-insurance/best-life-insurance-companies/#best-life-insurance-companies-awards-2022-pacific-life. Published 1/11/22. Forbes Advisor is not an affiliated company of Pacific Life Insurance Company.
²The COMDEX is a composite score of the four independent raters of financial strength (A.M. Best, Fitch, Moody’s, and Standard & Poor’s). The COMDEX rates life insurance companies on a scale of 0 to 100, with 100 being the highest rating. As of August 1, 2024. For current ratings, visit www.PacificLife.com. COMDEX is not an affiliated company of Pacific Life Insurance Company.
³VitalSales Suite, a product of EbixExchange. As of August 1, 2024. EbixExchange is not an affiliated company of Pacific Life Insurance Company.
⁴From 2018-2025, Ethisphere Institute named Pacific Life one of World’s Most Ethical Companies based on its compliance and ethics program, corporate citizenship, culture of ethics, corporate governance, and leadership, innovation, and reputation: https://www.pacificlife.com/press-releases/pacific-life-named-one-of-worlds-most-ethical-companies-for-eighth-consecutive-year.html. Ethisphere Institute is not an affiliated company of Pacific Life Insurance Company.
⁵From 2017–2023 Dalbar Insurance Service Award Winner for Consistent focus on improving the policyowner experience: https://www.dalbar.com/awards/service-award/. Dalbar is not an affiliated company of Pacific Life Insurance Company.
⁶Newsweek “America’s Best Customer Service Companies 2022”: https://www.newsweek.com/americas-best-customer-service-2022/services-insurance. Newsweek is not an affiliated company of Pacific Life Insurance Company.

This website is intended for financial professional use only. If you are not a financial professional, please visit our public website www.PacificLife.com.


PL Promise Products: PL PROMISE TERM level premium term life insurance (Form series P16LYT and S16LYT10, S16LYT15, S16LYT20, S16LYT25, or S16LYT30, varies based on level premium period chosen and state of policy issue). PL PROMISE CONVERSION UL universal life insurance (Form series P17LYCUL, varies based on state of policy issue) with no-lapse guarantee available upon conversion from PL PROMISE TERM. There are circumstances in which converting the client’s existing life insurance can benefit the client. As a life insurance producer, it is your responsibility to provide the client with detailed information as to how a conversion may affect the client’s plan of insurance. Clients should be advised to make a careful comparison of the costs and benefits of the existing policy and the proposed policy to determine whether conversion is the right decision for the client. PL PROMISE GUL no-lapse guarantee universal life insurance (Form series P18PRUL, S18PRUL, varies based on state of policy issue).

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. 


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 insurance company with regard to such guarantees because these guarantees are not backed by the independent broker/dealers, insurance agencies, 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 issuing company. 
Life insurance is subject to underwriting and approval of the application and may incur monthly policy charges.

 

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.