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1 Only policies issued preferred rating classification or better are eligible. In November 2016, Pacific Life introduced Promise Term, which was designed using successful elements of Genworth’s traditional term life insurance portfolio. 18-174B This conversion right is available for the duration of the guaranteed level premium … Of the two term life policies offered by Pacific Life, we recommend the Promise Term product for its affordability, variety of term lengths and riders, and low starting amount. Term life insurance is a budget-friendly option for covering costs that diminish over time, like consumer debt, mortgage balances, and education expenses. Like most insurers, Pacific Life offers term life insurance which provides coverage for a fixed period – like 10, 15, 20, 25, or 30 years. And because you can convert a term policy to a permanent policy later, it’s a great way to get started. age 70), you may convert all or a part of the PL Promise Term policy’s death benefit to a new universal life insurance policy that Pacific Life makes available at the time of conversion.4 There is no additional underwriting approval required. 2 There is an adjustment to Preferred Non Tobacco and Preferred Tobacco underwriting class ratings for April 2007 and later. Product Availability. Pacific Life’s scope of term to permanent life insurance products lends itself to individuals, families, and also businesses of all sizes.. Pacific Life has been in business for over 150 years – so they have had plenty of time to grow their life insurance product offering! Term Life Insurance. Variable insurance products are distributed by Pacific Select Distributors, LLC (member FINRA & SIPC), a subsidiary of Pacific Life Insurance Company and an affiliate of Pacific Life & Annuity Company, and are available through licensed third-party broker-dealers. Talk to your life insurance producer today. Note: conversion for entire term is available for an additional charge with rider “Extended Conversion Agreement” Pacific Life – Not convertible the entire term length. Term Life. Not for Public Distribution. For more information or questions about the Columbus Life External Term Conversion Program , contact the Columbus Life Sales Desk at 1-800-677-9696, Option 4, or clsalesdesk@columbuslife.com. As of October 15, 2018, the reprice for PL Promise Term are approved in all states (except NY). the PL Promise Term policy’s death benefit to a new permanent life insurance (also known as cash value life insurance) that Pacific Life makes available at the time of conversion. Pacific Life's Home Office is located in Newport Beach, CA. Pacific Life reinforced its commitment to serving the needs of the broad market consumer with affordable death benefit life insurance coverage by lowering rates for PL Promise Term. Amount of life insurance coverage applied for and inforce with Pacific Life must be less than or equal to $500K; Comprehensive physical and blood work available from the applicant’s personal physician in the last 18 months; State Approvals. Here are the main products in more detail. Minnesota Life – Not convertible for entire term length: 10 and 15 year term: five year conversion periods; 20 and 30 year term: 10 year conversion periods. PL Promise Term can help you protect what matters most. External Term Conversion Program LIFE INSURANCE For Producer or Broker/Dealer Use Only. 1 To maintain a solid customer experience, we are making the new pricing available to individual states on a rolling release schedule. ... 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