{"id":51054,"date":"2026-08-04T19:00:00","date_gmt":"2026-08-04T17:00:00","guid":{"rendered":"http:\/\/stocks-future.com\/?guid=4c774734be66df4d3a447ef2912376c1"},"modified":"2026-08-04T19:00:00","modified_gmt":"2026-08-04T17:00:00","slug":"pacific-life-introduces-new-era-for-last-survivor-indexed-universal-life-insurance","status":"publish","type":"post","link":"https:\/\/stocks-future.com\/?p=51054","title":{"rendered":"Pacific Life Introduces New Era for Last Survivor Indexed Universal Life Insurance"},"content":{"rendered":"<p class=\"bwalignc\"><i>Pacific Horizon Survivorship IUL 2 pairs robust protection with enhanced adaptability<\/i><\/p><p>NEWPORT BEACH, Calif.--(BUSINESS WIRE)--Pacific Life Insurance Company announced today the launch of <b>Pacific<\/b> <b>Horizon Survivorship IUL 2<\/b>,<sup>1<\/sup> a next-generation survivorship indexed universal life insurance product built for a rapidly evolving legacy-planning landscape.<sup>2<\/sup> It replaces Pacific Horizon Survivorship IUL and offers even more customized coverage than its top-ranking predecessor.<\/p><br\/><a href=\"https:\/\/mms.businesswire.com\/media\/20260804092226\/en\/2867000\/5\/PL_logo_stacked_RGB_blue.jpg\"><img src=\"https:\/\/mms.businesswire.com\/media\/20260804092226\/en\/2867000\/22\/PL_logo_stacked_RGB_blue.jpg\" \/><\/a><br\/><a href=\"https:\/\/mms.businesswire.com\/media\/20260804092226\/en\/2867000\/5\/PL_logo_stacked_RGB_blue.jpg\"><img src=\"https:\/\/mms.businesswire.com\/media\/20260804092226\/en\/2867000\/21\/PL_logo_stacked_RGB_blue.jpg\" \/><\/a><p>\u201cSurvivorship life insurance has always played a pivotal role in financial protection and estate liquidity, but consumers are now navigating longer lifespans and increasingly complex advanced-planning needs,\u201d said John Dieck, senior vice president and chief product officer, Consumer Markets at Pacific Life. \u201cWith Pacific Horizon Survivorship IUL 2, we\u2019re helping clients turn their values and vision into long-term strategies that help meet their needs.\u201d<\/p><p>A survivorship structure insures two individuals under one policy\u2014often at a lower cost than purchasing separate policies\u2014and pays the death benefit upon the second death. This makes Pacific Horizon Survivorship IUL 2 a strategic fit for estate-planning needs by providing funds precisely when estate taxes are typically due. Plus, a survivorship policy can offer efficiency for individuals with significant age or health differences. To help put this strategy into action, Pacific Life offers advanced planning tools and resources designed to support financial professionals in building and presenting survivorship solutions for their clients.<\/p><p><b>Key benefits of Pacific<\/b> <b>Horizon Survivorship IUL 2 include:<\/b><\/p><ul class=\"bwlistdisc\"><li><b>Three coverage types <\/b>to better tailor protection to clients\u2019 objectives.<sup>3<\/sup><\/li><li><b>Automatically includes a no-lapse guarantee up to the surviving insured\u2019s lifetime<\/b> at no additional cost.<sup>4<\/sup><\/li><li><b>Potential cash value growth via indexed interest-crediting strategies<\/b> to help support long-term planning flexibility.<\/li><li><b>Versatile planning applications <\/b>from estate liquidity and trust funding to multigenerational and philanthropic goals.<\/li><\/ul><p>\u201cFor high-net-worth clients and their financial professionals, planning decisions made today will impact outcomes for generations,\u201d said Kevin Kennedy, senior vice president and chief sales and marketing officer, Consumer Markets at Pacific Life. \u201cPacific Horizon Survivorship IUL 2 empowers families and businesses to reframe their legacies\u2014making them more intentional, adaptable, and enduring.\u201d<\/p><p><b>About Pacific Life<\/b><\/p><p>Pacific Life provides a variety of products and services designed to help individuals and businesses in the retail, institutional, workforce benefits, and reinsurance markets achieve financial security. Whether your goal is to protect loved ones or grow your assets for retirement, Pacific Life offers innovative life insurance and annuity solutions, as well as mutual funds, that provide value and financial security for current and future generations. Supporting our policyholders for nearly 160 years, Pacific Life is a Fortune 500 company headquartered in Newport Beach, California. For additional company information, including current financial-strength ratings, visit <a  href=\"https:\/\/cts.businesswire.com\/ct\/CT?id=smartlink&amp;url=https%3A%2F%2Fnam12.safelinks.protection.outlook.com%2F%3Furl%3Dhttp%253A%252F%252Fwww.pacificlife.com%252F%26data%3D05%257C01%257CSteven.Chesterman%2540PacificLife.com%257C09aa7a4c93a746098b0208db9d4abc5d%257Ce5bd3c3232354c1da4e280e86c8cc2e7%257C0%257C0%257C638276716562816383%257CUnknown%257CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%253D%257C3000%257C%257C%257C%26sdata%3DbJc4RDh1GwoxTgLrkmRljC3sBuYvU2E4X4tupFkYKvA%253D%26reserved%3D0&amp;esheet=54582715&amp;newsitemid=20260804092226&amp;lan=en-US&amp;anchor=PacificLife.com&amp;index=1&amp;md5=a0daf5824af9662a462c28cab4f0549d\" rel=\"nofollow\" shape=\"rect\">PacificLife.com<\/a>.<\/p><p><sup>1 Pacific Life Insurance Company\u2019s Pacific Horizon Survivorship IUL 2 (Form series P26SIL, S26SHZN, varies based on state of policy issue).<\/sup><br\/><sup>2 Schmidt, Alexander. \u201cEstate Planning Industry Statistics,\u201d Gitnux, February 13, 2026, <\/sup><a  href=\"https:\/\/cts.businesswire.com\/ct\/CT?id=smartlink&amp;url=https%3A%2F%2Fgitnux.org%2Festate-planning-industry-statistics%2F&amp;esheet=54582715&amp;newsitemid=20260804092226&amp;lan=en-US&amp;anchor=https%3A%2F%2Fgitnux.org%2Festate-planning-industry-statistics%2F&amp;index=2&amp;md5=95e56d9cebef2d4fcc09e60467fed290\" rel=\"nofollow\" shape=\"rect\"><sup>https:\/\/gitnux.org\/estate-planning-industry-statistics\/<\/sup><\/a><sup>.<\/sup><br\/><sup>3 Each coverage type\u2014including those offered through riders\u2014incurs its own set of charges with unique features and benefits, subject to availability, restrictions, and limitations. When considering coverage types, request a policy illustration from your financial professional to see the impact on your policy\u2019s values.<\/sup><br\/><sup>4 The Flexible Duration No-Lapse Guarantee Rider (Form series R25FNL, S26FNL, varies based on state of policy issue) depending on how your policy is structured, has a maximum duration of the surviving insured\u2019s lifetime, subject to certain limits. If your net no-lapse guarantee value is zero, the no-lapse feature terminates. If the no-lapse feature terminates, additional premiums would be required to resume the no-lapse guarantee. If policy performance is such that your policy is being maintained solely by the no-lapse guarantee, your policy will not build cash value.<\/sup><\/p><p class=\"bwalignc\"><b>No bank guarantee \u2022 Not a deposit \u2022 May lose value \u2022 Not FDIC\/NCUA insured \u2022 Not insured by any federal government agency<\/b><\/p><p>Pacific Life refers to Pacific Life Insurance Company and its subsidiary, Pacific Life &amp; Annuity Company.<\/p><p>All individuals selling this product must be licensed insurance agents.<\/p><p>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.<\/p><p><i><b>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.<\/b><\/i><\/p><p>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 insurance company with regard to such guarantees because these guarantees are not backed by the independent broker\/dealers, insurance agencies, or their affiliates from which products are purchased.<\/p><p>Neither these entities nor their representatives make any representation or assurance regarding the claims-paying ability of the issuing company.<\/p><p>Pacific Life, its affiliates, distributors, and respective representatives do not provide tax, accounting, or legal advice. Any taxpayer should seek advice based on the taxpayer\u2019s particular circumstances from an independent tax advisor or attorney.<\/p><p>Riders may be subject to additional charges, availability, restrictions, and limitations. When considering a rider, request a policy illustration from your financial professional to see the rider\u2019s impact on your policy\u2019s values. Not all products or optional benefits are available in all states or firms, and features may vary by state and firm.<\/p><p>Indexed universal life (IUL) insurance generally requires additional premium payments after the initial premium. If either no premiums are paid, or subsequent premiums are insufficient to continue coverage, it is possible that coverage will expire.<\/p><p>IUL does not directly participate in any stock or equity investments.<\/p><p>Pacific Life Insurance Company reserves the right to change or modify any non-guaranteed or current elements. The right to modify these elements is not limited to a specific time or reason.<\/p><p>Life insurance is subject to underwriting and approval of the application and will incur monthly policy charges.<\/p><p>The primary purpose of survivorship life insurance is to provide a death benefit after both insured individuals have passed away.<\/p><p>The home office for Pacific Life Insurance Company is located in Omaha, Nebraska.<\/p><p>This material may not be used in California\/Oregon\/Delaware\/Oklahoma\/Wyoming\/Mississippi\/Nevada.<\/p><p>Pacific Life Insurance Company<\/p><br\/> <b>Contacts<\/b> <br\/><p class=\"bwalignl\">Media Contact:<br\/>Jesse Page<br\/><a  href=\"mailto:Jesse.Page@PacificLife.com\" rel=\"nofollow\" shape=\"rect\">Jesse.Page@PacificLife.com<\/a><br\/>(949) 219-4575<\/p>","protected":false},"excerpt":{"rendered":"<p>Pacific Horizon Survivorship IUL 2 pairs robust protection with enhanced adaptabilityNEWPORT BEACH, Calif.&#8211;(BUSINESS WIRE)&#8211;Pacific Life Insurance Company announced today the launch of Pacific Horizon Survivorship IUL 2,1 a next-generation survivorshi&#8230;<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-51054","post","type-post","status-publish","format-standard","hentry","category-infos-businesswire"],"_links":{"self":[{"href":"https:\/\/stocks-future.com\/index.php?rest_route=\/wp\/v2\/posts\/51054","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/stocks-future.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/stocks-future.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/stocks-future.com\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/stocks-future.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=51054"}],"version-history":[{"count":1,"href":"https:\/\/stocks-future.com\/index.php?rest_route=\/wp\/v2\/posts\/51054\/revisions"}],"predecessor-version":[{"id":51055,"href":"https:\/\/stocks-future.com\/index.php?rest_route=\/wp\/v2\/posts\/51054\/revisions\/51055"}],"wp:attachment":[{"href":"https:\/\/stocks-future.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=51054"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/stocks-future.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=51054"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/stocks-future.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=51054"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}