Pacific Horizon IUL with 9.00% cap

Pacific Life

Financial Strength A+
IUL Experience 20 years
Policy Portfolio 12 products

Compare IUL Policies Schedule Strategy Call

Founded

1868

Assets

$239 billion

AM Best

A+

Participating

125%

Financial Strength Ratings

AM Best A+

S&P AA-

Moody's A1

Product Benchmarks

Typical Cap Range

Min: 7.50% | Max: 9.00% | Current average: 8.50%

Participation Rates

Min: 100% | Max: 150% | Current average: 125%

Typical Fees

Coi range: Low to Moderate | Admin fee: $10-15/month | Premium load: 2-5%

About Pacific Life

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

157+ years of operation

Company Profile

Headquarters

Newport Beach, California

Founded

1868

Years in IUL

20 years

Assets Under Management

$239 billion

Minimum Premium

$5,000 annual

Issue Ages

0-85 years

Underwriting Speed

2-4 weeks standard, 48 hours accelerated available

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

Explore comprehensive Indexed Universal Life insurance solutions

How to Compare: Check the boxes on any 2 policies below, then click "Compare Now" in the green bar that appears.

IUL Policy

Pacific Indexed Accumulator 6

Indexed Universal Life solution focused on compounding tax-advantaged cash value.

Cap Rate Varies by product: 7.50% to 9.00%

Floor Protection 0%%

Participation Varies: 100% to 150%

Minimum Premium $5,000 annual

Issue Ages 0-85

Part of 12-product portfolio
Fortune 500 company
$1.5 trillion in force
Index options: S&P 500, Proprietary indices, Volatility-controlled options

View Full Details

IUL Policy

Pacific Horizon IUL

Indexed Universal Life solution focused on compounding tax-advantaged cash value.

Cap Rate Pacific horizon: 9.00%

Floor Protection 0%%

Participation Standard: 100% to 125%

Minimum Premium $5,000 annual

Issue Ages 0-85

9.00% cap rate
Launched April 2024
Multiple versions available
Index options: S&P 500, Proprietary Pacific strategies

View Full Details

IUL Policy

Pacific Trident IUL

Indexed Universal Life solution focused on compounding tax-advantaged cash value.

Cap Rate Trident: 8.50%

Floor Protection 0%%

Minimum Premium $5,000 annual

Issue Ages 0-85

8.50% cap
Established product line
Index options: S&P 500, Multiple index options

View Full Details

IUL Policy

Pacific Discovery Xcelerator IUL 2

Indexed Universal Life solution focused on compounding tax-advantaged cash value.

Cap Rate Discovery: 7.50% with uncapped 10.00% threshold option

Floor Protection 0%%

Minimum Premium $5,000 annual

Issue Ages 0-85

Uncapped 10.00% threshold option
Innovative crediting strategy
Index options: S&P 500, Proprietary indices, Volatility-controlled options

View Full Details

Personalized Planning

Map Out Your Pacific Life Strategy

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

Carrier benchmarking with transparent fee and rider analysis
Custom illustrations tailored to your cash-flow and retirement timeline
Step-by-step implementation with ongoing performance reviews

Speak with an Advisor Compare All Carriers Request Custom Illustration

Response within one business day

Frequently Asked Questions

Pacific Life currently offers 12 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 maintains strong independent ratings including AM Best A+, demonstrating resilient balance sheet strength and consistent claims-paying ability.

Pacific Horizon IUL with 9.00% cap | Pacific Trident IUL with 8.50% cap | Pacific Discovery with uncapped 10.00% threshold option | Multiple proprietary index options | Fortune 500 company status