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AdvPac_500LargestUSCompanies - Copy.pptx
1. •
•
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•The Pacific Life famiLy of comPanies1
•cLienTs among The
•500 LargesT U.s. comPanies
•v 27 (54%) of the 50 largest U.S. firms are our
clients. v 48 of the 100 largest U.S. firms are our
clients.
•v 175 (35%) of the 500 largest U.S. companies are our clients.
•DatacompiledbyPacificLifeusingtheFORTUNE 500® listasofApril2007.ThePacificLife familyofcompaniesincludesPacificLife, PacificLife&
Annuityandothernon-insurancesubsidiariesandaffiliates.
•Investment and Insurance Products: Not a Deposit — Not FDIC Insured —
Not Insured by any Federal Government Agency — No Bank Guarantee — May Lose Value
•MKTG-40E
MKTGNY-40
2. •
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•Why many corPoraTe cLienTs choose Pacific Life and
•Pacific Life & annUiTy, members ofThe Pacific Life famiLyof
•comPanies, for corPoraTe oWned Life insUrance (coLi).
•These two life insurance companies combined have focused on the COLI market for more than 25 years. On average, our COLI
clients have made two additional purchases beyond the initial sale and we believe this is due to our quality service and trea tment.
• v Pacific Life and Pacific Life & Annuity offer life insurance
products that can be especially useful in the funding of
executive benefits. Some product features include the po-
tential for: higher early cash values to premium ratios for
accounting–sensitive policyowners, optimal cash value
build-up within constraints of federal tax law, and tax
favored access to cash values (via loans and
withdrawals)1for use where policyowners desire to help
fund benefits directly from the policy.
• v We have developed guaranteed issue and simplified issue
underwriting for multi-life cases to ease the implementa-
tion of such cases.
• v We offer systems for client accounting and billing
tailored to multi-life administration.
• 1 Withdrawals and other distributionsfromnon-Modified EndowmentContract
(non-MEC)policiesinthefirst15yearsmaybe taxabletotheextentthey occurin
conjunctionwith(orduringthetwoyearsimmediatelypriorto)areductioninbenefits.
After15years,withdrawalsandotherdistributionsuptothepolicycostbasisarenot
taxable.Policy loansare not taxablefor a non-MECpolicyprovidedthat it
remainsin force until the death(s) of the insured(s).Withdrawals, policy loansand
other distributionsfromaMECpolicyaresubjecttootherrulesandaregenerallytaxable
as“incomefirst”andsubjecttoa10%federaltaxpenalty.Ifpriortothedeath(s)ofthe
insured(s),the policy (MEC ornon-MEC) is surrenderedor lapseswith an
outstand-ingpolicy loan balance, the policy owner will be subject to income taxes to
the extent the cashsurrendervalue plusthe amountof the outstandingloansexceeds
the policy costbasis.Withdrawals,policyloans,andotherdistributionswillreduce
policyvaluesandmayreducedeathbenefits.
•Address:Mailing Address:
•700 Newport Center Drive, Newport Beach, CA 92660 700 Newport Center Drive, Newport Beach, CA 92660
•(800)800-7681 • www.PacificLife.com(800)595-6996 • www.PacificLifeandAnnuity.com
•Pacific Life Insurance Company is licensed to issue individual life insurance and annuity products in all states except New York. Product
availability and features vary by state. Individual life insurance and annuity products are available in New York through Pac ific Life & Annuity
Company. Each company is solely responsible for the financial obligations accruing under the policies it issues, and its prod uct and rider
guarantees are backed by that company’s financial strength and claims-paying ability.
•Variable insurance products issued by Pacific Life Insurance Company and Pacific Life & Annuity Company are distributed by
Pacific Select Distributors, Inc. (member FINRA & SIPC), a subsidiary of Pacific Life and an affiliate of Pacific Life & Annuity,
and are available through licensed third party broker-dealers.
Investors should carefully consider the underlying fund investment objectives, risks, charges, and limitations
and expenses of a variable universal life insurance policy. This and other information about Pacific Life and
Pacific Life & Annuity are in prospectuses available from your registered representative or by calling (800) 800 -7681.
Read them carefully before investing or sending money.
•Pacific Life Insurance Companyís and Pacific Life & Annuitiesí individual life insurance products are marketed exclusively th rough independent
third-party producers, which may include bank affiliated entities.
•Registered Representative’s Name Broker-Dealer State Insurance License Number
•MKTG-40E 15-19144-16 9/07
•MKNYTG-40 85-28073-00