4 PL Smooth Sailing is available with PL PROMISE TERM and PL PROMISE GUL. Qualification Requirements: For clients ages 50-69. Comprehensive physical and blood work from applicant's personal physician in the last 18 months; up to two years of history may be requested. The total amount of life insurance coverage applied for and inforce with Pacific Life may not exceed $1 million.

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.

Life insurance is subject to underwriting and approval of the application and will incur monthly policy charges.

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.

The company(ies) referenced above, and its associates, are not affiliated with Pacific Life Insurance Company. Pacific Life offers its products through independent life insurance producers who may be appointed with multiple insurance carriers, which may include Pacific Life.