Pacific Life subsidiary

Pacific Life & Annuity Company

Financial Strength A+
IUL Experience 10 years
Policy Portfolio 2 products

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Founded

1983

Assets

$69 billion assets

AM Best

A+

Participating

115%

Financial Strength Ratings

AM Best A+

S&P AA-

Moody's A1

Product Benchmarks

Typical Cap Range

Min: 8% | Max: 10.5% | Current average: 9.5%

Participation Rates

Min: 100% | Max: 130% | Current average: 115%

Typical Fees

Coi range: Moderate | Admin fee: Standard | Premium load: Standard

About Pacific Life & Annuity Company

Pacific Life subsidiary

Pacific Horizon IUL 2 (2024)

Pacific Indexed Accumulator

Cap rates up to 10.5%

Company Profile

Headquarters

Phoenix, Arizona

Founded

1983

Years in IUL

10 years

Assets Under Management

$69 billion assets

Minimum Premium

$5,000 annual

Issue Ages

0-85 years

Underwriting Speed

2-4 weeks

Website

www.pacificlife.com

Financial Ratings

AM Best A+

S&P AA-

Moody's A1

These ratings indicate excellent financial strength and claims-paying ability.

IUL Policies from Pacific Life & Annuity Company

Explore comprehensive Indexed Universal Life insurance solutions

Detailed policy information will be available soon.

Personalized Planning

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Partner with fiduciary-aligned specialists to benchmark Pacific Life & Annuity Company against other carriers and design an IUL strategy around your goals.

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Custom illustrations tailored to your cash-flow and retirement timeline
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Frequently Asked Questions

Pacific Life & Annuity Company currently offers 2 IUL solutions that balance growth potential with downside protection. Our specialists will help you match product features to your retirement or legacy goals.

Pacific Life & Annuity Company maintains strong independent ratings including AM Best A+, demonstrating resilient balance sheet strength and consistent claims-paying ability.

Pacific Life subsidiary