Pacific Life & Annuity Company vs COUNTRY Financial
Comprehensive side-by-side comparison of indexed universal life insurance companies
Pacific Life & Annuity Company
Founded: 1983
Phoenix, Arizona
Assets
$69 billion assets
IUL Experience
10+ years
Products
2
Avg Cap Rate
9.5%
Key Strengths
Pacific Life subsidiary
Pacific Horizon IUL 2 (2024)
Pacific Indexed Accumulator
Cap rates up to 10.5%
COUNTRY Financial
Founded: 1925
Bloomington, Illinois
Assets
$12 billion
IUL Experience
5+ years
Products
1
Avg Cap Rate
9%
Key Strengths
Offers IUL products
COUNTRY Financial Indexed Universal Life with 100% participation rate, 0% floor
Forbes #1 life insurance provider ranking (2024)
Detailed Feature Comparison
| Feature | Pacific Life & Annuity Company | COUNTRY Financial |
|---|---|---|
| Founded | 1983 | 1925 |
| Headquarters | Phoenix, Arizona | Bloomington, Illinois |
| Assets Under Management | $69 billion assets | $12 billion |
| Years in IUL Business | 10+ years | 5+ years |
| Number of IUL Products | 2 | 1 |
| Typical Cap Rate Range | 8% - 10.5% | 8% - 10% |
| Participation Rates | 115% | 100% |
| Minimum Premium | $5,000 annual | $5,000 annual |
| Issue Ages | 0-85 years | 0-85 years |
| Underwriting Speed | 2-4 weeks | 2-4 weeks |