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 Cheapest Life Insurance USA

Pacific Life - Life Insurance

About Pacific Life

Founded in 1868, Pacific Life provides life and health insurance products, individual annuities and group employee benefits, and offers to individuals, businesses and pension plans a variety of investment products and services. Over the past five years, Pacific Life has grown from the 23rd to the 14th largest life insurance company in the nation. The Pacific Life family of companies manages more than $335 billion in assets, making it one of the largest financial institutions in America, and currently counts 67 of the 100 largest U.S. companies as clients.

Pacific Life is rated A++ (Superior) by A.M. Best, AA+ (Very Strong) by Standard & Poor's, AA+ (Very Strong) by Fitch, and Aa3 (excellent) by Moody's for financial strength. Pacific Life is a member of IMSA (Insurance Marketplace Standards Association), whose membership promotes ethical market conduct for individual life insurance and annuities.

Pacific Life - Life Insurance Planning

Life Insurance Planning - the process of protecting your family from the premature death of you and/or your spouse. Unfortunately, it's probably the least favorite thing to plan for. And, as a result, adequate planning is often put off until it's too late.

Although it may sound simple, there are many things to consider. There are many ways to protect your family with life insurance. So, consulting with a Pacific Life - Life Insurance Professional can be vital!

• Life insurance planning is not only for those who support a family. There are several reasons for thorough life insurance planning. For example, have you recently purchased a new home? Have you recently been married? Have you made career changes? Other key purposes of life insurance include retirement and estate planning.

• Many people don't realize that even though life insurance proceeds are paid income tax-free to the beneficiary, there's a good chance the proceeds will be included in the value of your estate which may be taxed.

• People often make the mistake of assuming their employer-provided life insurance is adequate. However, employer-provided life insurance is typically only equal to one year's salary...far from enough for the family provider to protect his/her family adequately, and not enough for the average single person to repay outstanding debts - often leaving parents and siblings dealing with such bills

Pacific Life - Life Insurance Products

There are two primary categories of life insurance: term and permanent. However, there are several different types within each category. Listed below are only the most common types. Consult your Life Insurance Professional for a more detailed description of the various types of life insurance and how they may apply to your specific situation

Pacific Life - Term Insurance

Pacific Life - Life insurance under which the benefit is payable only if the insured dies during a specified period. Listed below are various types of term insurance.

• Level Term - a fixed amount of coverage with premiums that are fixed over a certain period of time, usually in 10-year increments.

• Increasing/Decreasing Term - amount of coverage increases or decreases throughout the term, premiums remain level.

• Renewable Term - includes a renewal provision that gives the policyowner the right to renew the insurance coverage at the end of the specified term without submitting evidence of insurability.

• Convertible Term - Gives the policyholder the right to convert the term policy to a permanent policy.

• Group Term - insurance purchased typically by an employer or professional association that is intended to cover several people, usually resulting in reduced premiums.

Permanent Insurance

Pacific Life insurance that provides coverage throughout the insured's lifetime and may include an element that builds a cash value.

• Traditional Whole Life - remains in force during the insured's entire lifetime, provided premiums are paid as specified in the policy. Whole life insurance may also include an element for accumulating growth (called the cash value).

• Universal life insurance - characterized by its flexible premiums, flexible face amounts, and unbundled pricing factors.

• Variable life insurance - a form of whole life insurance under which the death benefit and the cash value of the policy fluctuate according to the investment performance of a separate account fund. Most variable life insurance policies guarantee that the death benefit will not fall below a specified minimum.

• Variable universal life insurance - a form of whole life insurance that combines the premium and death benefit flexibility of universal life insurance with the investment flexibility and risk of variable life insurance. Also called flexible premium variable life insurance and universal life II. See also investment-sensitive insurance.

• Last survivor life insurance (also known as "Survivor Life") - whole life insurance that covers two persons and provides for payment of the proceeds when both insureds have died. It is generally designed to pay estate taxes. Also known as second-to-die life insurance.

• Single-premium whole life insurance - whole life insurance purchased with a single, lump-sum premium.

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