For Financial Professionals
Indexed universal life insurance does not directly participate in any stock or equity investments.
Life insurance is subject to underwriting and approval of the application and will incur monthly policy charges.
The primary purpose of life insurance is to provide death benefit protection in the event of the insured’s death.
The "S&P 500 Index" is a product of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”) and has been licensed for use by Pacific Life Insurance Company. S&P®, S&P 500®, US 500, The 500, iBoxx®, iTraxx® and CDX® are trademarks of S&P Global, Inc. or its affiliates (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Pacific Life Insurance Company. Pacific Life Insurance Company's Product(s) is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, or their respective affiliates and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P 500 Index.
The Black-Scholes model is a mathematical framework used to estimate the theoretical value of options and other derivatives. It takes into account factors such as the current price of the underlying asset, the option's strike price, the risk-free interest rate, the asset's volatility, and the time remaining until the option's expiration. This model assumes that markets are efficient and that the price of the underlying asset follows a lognormal distribution. Investors should be aware that while the Black-Scholes model provides a useful estimate, it relies on several assumptions that may not hold true in all market conditions.
Underlying data for the Black-Scholes calculation is based on information from Bloomberg.
The declared par rate is based on multiple factors. Movement of the Black-Scholes cost does not guarantee a similar movement in the declared par rate.
This website is intended for financial professional use only. If you are not a Financial Professional, please visit our public website www.PacificLife.com.
Pacific Life is a product provider. It is not a fiduciary and therefore does not give advice or make recommendations regarding insurance or investment products.
Pacific Life Insurance Company is licensed to issue insurance products in all states except New York. Product/material availability and features may vary by state.
Insurance products and their guarantees, including optional benefits and any crediting rates, are backed by the financial strength and claims-paying ability of the issuing insurance company. Look to the strength of the life insurance company with regard to such guarantees as these guarantees are not backed by the broker/dealer, insurance agency, or their affiliates from which products are purchased. Neither these entities nor their representatives make any representation or assurance regarding the claims-paying ability of the life insurance company.
The home office for Pacific Life Insurance Company is located in Omaha, Nebraska.
Investment and Insurance Products: Not a Deposit • Not Insured by any Federal Government Agency • Not FDIC Insured • No Bank Guarantee • May Lose Value
24-VER-126A
IUQ3937-0725 7/25