Pacific Life vs National Life Group
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
National Life Group
Founded: 1848
Montpelier, Vermont
Assets
$45 billion
IUL Experience
20+ years
Products
3
Avg Cap Rate
Competitive market rates
Key Strengths
Market leader with 17.4% market share
Lifetime Income Benefit Rider with 10-year waiting period
Industry-leading chronic illness rider
175+ years operating history
Mutual structure aligns with policyholder interests
Detailed Feature Comparison
| Feature | Pacific Life | National Life Group |
|---|---|---|
| Founded | 1868 | 1848 |
| Headquarters | Newport Beach, California | Montpelier, Vermont |
| Assets Under Management | $239 billion | $45 billion |
| Years in IUL Business | 20+ years | 20+ years |
| Number of IUL Products | 12 | 3 |
| Typical Cap Rate Range | 7.50% - 9.00% | Not publicly disclosed - Not publicly disclosed |
| Participation Rates | 125% | Competitive market rates |
| Minimum Premium | $5,000 annual | $50,000 (FlexLife) |
| Issue Ages | 0-85 years | 0-85 years |
| Underwriting Speed | 2-4 weeks standard, 48 hours accelerated available | 2-4 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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