Pacific Life vs Mutual of Omaha Insurance Company
Comprehensive side-by-side comparison of indexed universal life insurance companies
Pacific Life
Founded: 1868
Newport Beach, California
Assets
$239 billion
IUL Experience
20+ years
Products
12
Avg Cap Rate
8.50%
Key Strengths
Second largest by market share with 38% YoY growth
Fortune 500 company (#282)
$1.5 trillion life insurance in force
8 consecutive years World's Most Ethical Companies
Innovation leader in IUL space
Mutual of Omaha Insurance Company
Founded: 1909
Omaha, Nebraska
Assets
$42 billion (Fortune 500)
IUL Experience
15+ years
Products
3
Avg Cap Rate
10%
Key Strengths
12% cap rates (among highest in industry)
Industry-leading policy structure for cash value growth
Streamlined fees during 0% floor years
Fortune 500 company
116+ years of history
Detailed Feature Comparison
| Feature | Pacific Life | Mutual of Omaha Insurance Company |
|---|---|---|
| Founded | 1868 | 1909 |
| Headquarters | Newport Beach, California | Omaha, Nebraska |
| Assets Under Management | $239 billion | $42 billion (Fortune 500) |
| Years in IUL Business | 20+ years | 15+ years |
| Number of IUL Products | 12 | 3 |
| Typical Cap Rate Range | 7.50% - 9.00% | 7% - 12% |
| Participation Rates | 125% | 100% |
| Minimum Premium | $5,000 annual | $100,000 (IUL Express Easy Solve option) |
| Issue Ages | 0-85 years | 0-85 years |
| Underwriting Speed | 2-4 weeks standard, 48 hours accelerated available | 2-3 weeks standard |
Pacific Life IUL Policies
Pacific Discovery Xcelerator IUL 2
Cap Rate: 7.50% with uncapped 10.00% threshold option
Floor: 0%
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