Pacific Life enhances select indexed universal life products by providing additional flexibility for policyowners


NEWPORT BEACH, Calif.–(BUSINESS WIRE)–Pacific Life has added two new indexed uncapped volatility control accounts to certain indexed universal life (IUL) products. These indexed accounts are available on select new and in-force policies and are linked to the BlackRock Endura® Index,1 which uses volatility controls to determine a daily mix of stocks and short-term US Treasuries to help navigate volatile markets.

Additionally, the Enhanced Performance Factor Endorsement2 (EPFR) is available for some products. EPFR has the potential to increase the indexed interest credited to the policy in exchange for a monthly endorsement fee. The rider, which can be used with eligible indexed accounts, also provides the ability to modify the rider design to meet the changing needs of a policy owner.

“With these new options, customers have more choices to help them tailor their policy to their planning needs,” said Dawn Behnke, Executive Vice President of Life Insurance Division, Pacific Life. “In keeping with Pacific Life’s tradition of delivering value to its policyholders, these new indexed accounts are available to new and existing customers of select IUL products.

Market leader in IUL sales for 13 consecutive years,3 Pacific Life offers a suite of IUL products with the flexibility to meet a lifetime’s needs.

“These latest IUL enhancements are just part of our ongoing commitment to product innovation,” said Stephan Mitchell, Assistant Vice President of Product Marketing, Pacific Life. “While market ups and downs cannot be controlled, we consistently deliver products that stand the test of time.

About Pacific Life

For more than 150 years, Pacific Life has helped millions of individuals and families meet their financial needs through a wide range of life insurance products, annuitiesand mutual fund, and offers a variety of investment products and services to individuals, businesses and pension plans. Whether your goal is to protect your loved ones or grow your assets for retirement, Pacific Life offers innovative products and services that deliver value and financial security to current and future generations. Pacific Life counts more than half of America’s 100 largest companies among its customers and was named one of the World’s Most Ethical Companies in 2022® by the Ethisphere Institute. For more information about the company, including current financial strength ratings, visit

Pacific Life means Pacific Life Insurance Company and its affiliates, including Pacific Life & Annuity Company. Customer counts as of June 2022 are compiled by Pacific Life using the 2022 FORTUNE 500® listing.

1 BlackRock, Inc. and its affiliates (“BlackRock”) are not the issuer or producer of any annuity and/or life insurance product associated with Pacific Life Insurance Company, and BlackRock has no liability , obligation or duty towards the investors in these products. . The BlackRock iBLD Endura® VC 5.5 ER Index (hereinafter, the “BlackRock Endura® Index”) is a product of BlackRock Index Services, LLC, and has been licensed for use by Pacific Life Insurance Company. BLACKROCK, BlackRock Endura® Index and related logos are registered and unregistered trademarks of BlackRock. While Pacific Life Insurance Company may execute for itself transactions with BlackRock in or in relation to the BlackRock Endura® Index in connection with its annuities and/or life insurance products, investors acquire all such annuities and/or or life insurance products from Pacific Life Insurance Company and not acquire an interest in the BlackRock Endura® Index or establish a relationship of any kind with BlackRock by investing in such products. Pacific Life Insurance Company annuities and/or life insurance products are not sponsored, endorsed, sold or promoted by BlackRock. BlackRock makes no representations or warranties, express or implied, to owners of Pacific Life Insurance Company annuities and/or life insurance products or to any member of the public regarding the advisability of investing in such products, and assumes no responsibility for any errors, omissions or interruptions in the BlackRock Endura® Index. BlackRock assumes no responsibility to the issuer, investors or any other party for the use or accuracy of the BlackRock Endura® Index or any data included therein.

2 Enhanced Performance Factor Endorsement (Form #R18EPF, S18EPF or ICC18 R18EPF, ICC18 S18EPF, based on policy status).

3 Pacific Life is #1 in IUL sales, according to LIMRA International Q1, 2022 and Q1-Q4 2009-2021 Confidential Sales Survey of Participating Life Insurance Companies. Sales rankings are based on recurring premium measured against 26 participating companies.

Pacific Life Insurance Company is licensed to issue insurance products in all states except New York. Product/material availability and specifications may vary by state.

Insurance products and their guarantees, including optional benefits and all deposit rates, are backed by the financial strength and claims-paying ability of the issuing insurance company, but they do not protect the value of options variable investments. Look at the strength of the life insurance company regarding these warranties, as these warranties are not backed by the broker, insurance agency or their affiliates from which the products are purchased. Neither these entities nor their representatives make any representation or assurance regarding the claims-paying ability of the life insurance company.

This document reflects the features and benefits of the Pacific Life Insurance Company policy. All policy features and benefits may not be available with some brokers.

Index-linked universal life insurance does not directly participate in any stock or equity investments.

Pacific Life Insurance Company is located in Newport Beach, California.


PR-52172-00 10/22


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