Client Guide. PACIFIC INDEXED PERFORMER LT 2 Indexed Universal Life Insurance ESTATE RETIREMENT. Pacific Life Insurance Company 16-4
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1 Client Guide PACIFIC INDEXED PERFORMER LT 2 Indexed Universal Life Insurance FAMILY BUSINESS RETIREMENT ESTATE Pacific Life Insurance Company 16-4
2 THE FLEXIBILITY OF CASH VALUE LIFE INSURANCE 02 FINANCIAL PROTECTION A policy s proceeds are paid to policy beneficiaries when the insured dies. FINANCIAL POTENTIAL A policy s cash value has the potential to grow, less policy charges. FINANCIAL FEATURES A policy s optional features are available for additional life insurance and financial needs.
3 RETIREMENT PROTECT WHAT YOU VE BUILT Your family. Your career. Your business. Your future. As you continue to build your growing legacy, take good care to protect it. Your premature death could leave your family financially vulnerable. If you own a business, it might come to a standstill without you. The future of those who most depend on you could be at risk. And if you re saving toward retirement, you might consider your choices. Pacific Indexed Performer LT 2 is an indexed universal life insurance product from Pacific Life Insurance Company. It can help provide your family and your business with financial protection through policy proceeds payable if you die too soon. As cash value life insurance, each premium you pay has the potential to do more for your family, your business, and your future. Policy form #P15IUL, S15PIAP or ICC15 P15IUL, ICC15 S15PIAP, based on state of policy issue. 03
4 Premiums, Charges, and Current Rates POLICY PREMIUMS: Your premiums are flexible. Choose the amount you want to pay and the timing. As long as your policy s cash value is sufficient to pay ongoing policy charges, your policy will stay in force. Indexed universal life insurance generally requires additional premiums after the initial payment. If either no premiums are paid or subsequent premiums are insufficient to continue coverage, it is possible the coverage will expire POLICY CHARGES: The cost of insurance and benefits provided through your policy is deducted monthly in the form of policy charges, which include an Administrative Charge, Coverage Charge, Cost of Insurance Charge, and any applicable rider charges. Additionally, a premium load is deducted from each premium payment. To understand how policy charges affect your policy s cash value, request a personalized illustration that includes an Analysis of Charges. Policy charges will reduce your policy s effective rate of return. POLICY SURRENDER CHARGES: If you surrender your policy within the first 10 policy years, a surrender charge will apply. A surrender charge will reduce your policy s cash value payable at policy surrender. POLICY FACE AMOUNT CHANGES: You may increase or decrease the face amount on your policy, subject to restrictions, which may impact your policy charges and surrender charges. NON-GUARANTEED ELEMENTS: Non-guaranteed/ current elements are not guaranteed by definition. As such, Pacific Life Insurance Company reserves the right to change or modify any of these elements. This right to change these elements is not limited to a specific time or reason. 04
5 RETIREMENT PROTECT YOUR FUTURE Pacific Indexed Performer LT 2 helps you financially protect your family now in case you die too soon. It s also designed to provide you with cash value accumulation potential for your future. If you have at least 15 years before you retire, Pacific Indexed Performer LT 2 may be a choice to consider to help you supplement your retirement income. If you are a business owner, this cash value life Insurance product can be part of a strategy to help you retain key executives crucial to your business. 05
6 STRATEGIES FOR YOUR RETIREMENT BRIDGE POTENTIAL INCOME GAPS If you are a high income earner, Social Security benefits and 401(k) assets may not provide sufficient retirement income. If you are regularly maximizing contributions to qualified retirement plans, cash value life insurance can help you protect your policy s beneficiaries while you build a supplemental source of potential retirement income. While life insurance can provide supplemental retirement income, remember that life insurance is subject to underwriting and approval of the application and will incur monthly policy charges. It is possible the policy may not provide sufficient distribution potential to cover a retirement income shortfall. HELP COMPLEMENT RETIREMENT SAVINGS You may be relying on a retirement portfolio that is subject to market losses to produce income in retirement. If so, the unpredictable sequence of market returns means you may have to sell retirement assets in market loss years. Doing so will compound your portfolio losses and reduce your future income potential. To help complement your retirement savings, consider tapping other sources of income after market loss years. Distributions from assets that could offer protection from market-based losses may supplement your income while allowing your retirement portfolio the chance to recover. One such option may be a properly funded cash value life insurance policy in its later policy years. Given sufficient available cash value, you may be able to take loans and withdrawals while still maintaining your life insurance coverage. At each opportunity for a supplemental distribution, talk to your life insurance producer and ask for a detailed comparison of policy charges with the fees and expenses of other sources of retirement income. Due to the cost structure of Pacific Indexed Performer LT 2, this strategy may be considered 15 years or more from policy issue or any face amount increase. 06
7 RETIREMENT PLUG THE INCOME TAX GAP Many retirement savings plans grow tax-deferred, then tax distributions at thencurrent income tax rates, possibly reducing your net income in retirement. Help make up the difference lost to taxes using tax-free policy loans and withdrawals from cash value life insurance. For federal income tax purposes, tax-free income assumes, among other things: (1) withdrawals do not exceed the tax basis (generally, premiums paid less prior withdrawals); (2) policy remains in force until death; (3) withdrawals taken during the first 15 policy years do not occur at the time of, or during the two years prior to, any reduction in benefits; and (4) the policy does not become a modified endowment contract. See IRC Sections 72, 7702(f)(7)(B), 7702A. Any policy withdrawals, loans, and loan interest will reduce policy values and may reduce benefits. 07
8 08
9 RETIREMENT STRATEGIES FOR YOUR BUSINESS ENHANCE EXECUTIVE BENEFITS + GAIN A TAX DEDUCTION In today s competitive climate, how can your business keep key exeutives? Offer bonuses to your executives in the form of premiums to fund the potentially lifelong benefit of cash value life insurance. The premiums are generally tax deductible as a business expense. The deductibility of the bonuses is subject to the reasonable compensation limits established by IRC Sec. 162(a). Your employee benefits legal counsel can tell you whether this is an employee benefit plan under the Employee Retirement Income Act of 1974 and, if so, whether any additional requirements are necessary. SUPPLEMENT EXECUTIVE RETIREMENT ASSETS + RECOVER PLAN COSTS For your highly compensated executives, contribution limits on qualified plans and Social Security benefits may mean retirement income shortfalls. Offer them supplemental retirement income potential using cash value life insurance in a nonqualified deferred compensation plan. The policy s cash value can help informally fund the plan, and the policy s life insurance proceeds can help pay for the cost of the plan when the insured executive dies. Executives should be members of a select group of management or highly compensated employees per Department of Labor Reg. Sec CONTINUE THE BUSINESS + MINIMIZE DISRUPTION If you, a business co-owner, or one of your key executives were to die, it could have a devastating impact on your business. Debts and losses may get compounded under an unclear plan of succession. Protect your business legacy with a buy-sell strategy as part of business continuation planning. At the death of the business owner, co-owner, or key executive, cash value life insurance may pay any available policy proceeds to the business. The business may use the proceeds to help with succession planning. 09
10 Zero Floats What goes up must come down. Or does it? Indexed universal life insurance is a form of cash value life insurance. What makes it different is the way it credits interest to your policy s cash value if you allocate among the indexed accounts. Imagine the interest rate your policy credits as a buoy riding along the waves of stock market movements. Your policy s buoy is anchored, meaning it can only float up to a certain point. This maximum is called the growth cap and it limits your interest crediting rate on the upside. Your interest rate is guaranteed to be no less than 0%. If the market drops, your cash value stays where it was, reduced only by policy charges and any distributions you take, such as withdrawals and policy loans. With 0% guaranteed, your policy s cash value is protected against market-based losses. Indexed accounts do not directly participate in any stock or equity investments, but they do credit an interest rate based in part on the movements of stock market indexes. 10
11 RETIREMENT THE POTENTIAL TO GROW The cash value of a Pacific Indexed Protector LT 2 life insurance policy has the potential to accumulate and grow. Each premium you pay, less a premium load, is applied to the policy s fixed account, where it will earn a current interest rate, less monthly policy charges. You may transfer your policy s accumulated value from the fixed account to any combination of available indexed accounts on the 15 th of each month. Each transfer into an indexed account creates a unit of value called a segment. Any applicable interest is credited at the end of each segment s term, based in part on the performance of a major stock market index, excluding dividends. Talk to your life insurance producer about your financial goals and the accounts that might match your current and long term needs. 11
12 Tax Considerations: POLICY PROCEEDS: For federal income tax purposes, life insurance death benefits generally pay income tax-free to beneficiaries pursuant to IRC Section 101(a)(1) In certain situations, however, life insurance death benefits may be partially or wholly taxable. Situations include, but are not limited to: the transfer of a life insurance policy for valuable consideration unless the transfer qualifies for an exception under IRC Section 101(a)(2) (i.e. the transferfor-value rule ); arrangements that lack an insurable interest based on state law; and an employer-owned policy unless the policy qualifies for an exception under IRC Section 101(j). POLICY LOANS AND WITHDRAWALS: For federal income tax purposes, tax-free income assumes, among other things: (1) withdrawals do not exceed tax basis (generally, premiums paid less prior withdrawals); (2) policy remains in force until death; (3) withdrawals taken during the first 15 policy years do not occur at the time of, or during the two years prior to, any reduction in benefits; and (4) the policy does not become a modified endowment contract. See IRC Sections 72, 7702(f)(7)(B), 7702A. Any policy withdrawals, loans, and loan interest will reduce policy values and may reduce benefits. 12
13 RETIREMENT YOUR POLICY PROCEEDS Your policy s proceeds are paid tax-free to your policy beneficiaries when you die. Along with replacing your income, the proceeds might be used to pay off the family home, satisfy debts, provide for business succession planning, and/or help ensure efficient estate transfer. You have three choices for your policy s payout structure: A Level Death benefit equals the policy s face amount. B Increasing Death benefit equals the policy s face amount, plus the policy s accumulated cash value. C Return of Premium Death benefit equals the policy s face amount plus the sum of premiums paid, less any withdrawals. How you structure your policy will affect its charges and surrender charges, so work with your life insurance producer to build the coverage that meets your needs or that of your business. Accessing the Cash Value Any available cash value accumulated in a Pacific Indexed Performer LT 2 policy may be accessed through policy loans and withdrawals tax-free. 13
14 Financial Features Your policy offers optional features called riders for additional life insurance and financial needs. Riders help expand the flexibility and protection of your policy. Some riders are automatically included with eligible policies. Other riders must be elected at policy issue for additional costs. Ask your life insurance producer to provide you with more details on the financial features available to you through riders. Riders will likely incur additional charges and are subject to availability, restrictions and limitations. When considering a rider, request a policy illustration from your life insurance producer to see the rider s impact on your policy s values. 14
15 RETIREMENT PACIFIC LIFE THE POWER TO HELP YOU SUCCEED When it comes to choosing the company you will trust with the purchase of your life insurance policy, consider their treatment of the policyowners who have purchased before you. Pacific Life has a history of passing along savings to our policyowners in the form of over 120 pricing improvements to our inforce policies since When you buy a policy from Pacific Life, you become a voting member in our mutual holding company structure. We make decisions that benefit you and the long-term financial strength of the company. You matter to us. Buying life insurance is a long-term commitment. The company you choose matters. 15
16 This material is not intended to be used, nor can it be used by any taxpayer, for the purpose of avoiding U.S. federal, state or local tax penalties. This material is written to support the promotion or marketing of the transaction(s) or matter(s) addressed by this material. Pacific Life, its affiliates, their distributors and respective representatives do not provide tax, accounting or legal advice. Any taxpayer should seek advice based on the taxpayer s particular circumstances from an independent tax advisor or attorney. Pacific Life Insurance Company Newport Beach, CA (800) Pacific Life Insurance Company is licensed to issue insurance products in all states except New York. Product 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. Pacific Life Insurance Company s individual life insurance products are marketed exclusively through independent third-party life insurance producers, which may include bank affiliated entities. Some selling entities may limit availability of some optional riders based on their client s age and other factors. Your broker-dealer or firm can help you determine which optional riders and investment options are available and appropriate for your clients. Investment and Insurance Products: Not a Deposit Not Insured by any Federal Government Agency Not FDIC Insured No Bank Guarantee May Lose Value /16
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