Pacific Life Insurance Company is a reputable insurance provider known for its comprehensive range of life insurance products tailored to meet diverse customer needs. Established with a strong commitment to financial security and innovation, Pacific Life offers policies that cater to individuals, families, and businesses. Whether it’s safeguarding personal assets or providing valuable employee benefits, Pacific Life stands out as a trusted partner in the insurance industry.
#All savings and online discounts are provided by insurers as per IRDAI approved insurance plans | Standard Terms and Conditions Apply
Pacific life insurance offers the promise of protection, strength, and stability for over 150 years. With a legacy of reliability and exceptional service, Pacific Life helps policyholders protect their loved ones, plan for the unexpected, and secure their financial future.
Let us take a look at how buying a plan from Pacific Life Insurance Company can benefit you:
Protect Your Loved Ones
PacificLife insurance ensures your family’s financial stability in case of your untimely death. Its term life insurance provides a death benefit that can replace your income, helping your loved ones maintain their standard of living and cover essential expenses. It’s a way to secure their future and give you peace of mind.
Safeguard Your Business
PacificLife insurance can be a valuable tool for your business. Offering protection for employees' families and the potential to supplement their retirement income can be a strong incentive. Cash value life insurance not only protects your business's bottom line but also helps attract and retain top talent, contributing to your business’s success.
Be Prepared for the Unexpected
Life is full of surprises, and having cash value life insurance means you’re prepared for them. Whether you need funds to care for an aging loved one or make an immediate investment in your business, you can access the policy’s cash value when needed. PacificLife insurance helps you navigate unexpected challenges with confidence.
Secure Your Retirement
Retirement should be a time of freedom and adventure, but tax liabilities can erode your income. Pacificlife insurance helps protect and potentially grow your assets, ensuring you have the financial flexibility to enjoy your retirement. With life insurance, you can secure your future and live life on your terms every day.
Term Plans
Pacific Life Insurance company offers plans that provide financial protection for your loved ones if you pass away. You can choose between term life insurance, which covers you for a fixed period, and cash value life insurance, which offers lifelong coverage.
First, select a plan and decide on the coverage amount, which is the sum your nominees will receive in your absence. Then, pay the premiums regularly to keep your policy active. The premium amount depends on factors like your age, health, and coverage amount.
If you pass away while the policy is active, PacificLife pays the coverage amount to your nominees. This payout amount can help them with the funeral costs and debts and offer financial support for your family. Pacificlife insurance ensures your family’s financial stability in your absence and may offer wealth creation, depending on the plan you choose.
Here is a list of the types of pacificlife insurance available in the UK:
Offers death benefits to the nominee on the death of the policyholder during the policy term
Protection for a fixed tenure
Highly affordable premiums
Type of cash value life insurance that offers death benefits and flexible premium payment options
Current interest crediting rates
Guaranteed minimum interest crediting rates
Type of cash value life insurance that offers death cover and direct market-driven cash value potential.
Flexible premiums and a wide range of variable investment options
Options with guaranteed minimum interest crediting rates
Type of cash value life insurance that offers a death benefit and index-based cash value growth potential with guaranteed protection from index-based losses.
Flexible premiums with index-based interest crediting potential
Guaranteed minimum interest crediting rates
Secure Your Family Future Today
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It may be a little tough to decide which plan to buy, but to help your search for the life insurance easier, here we have a comparison of term insurance and cash value life insurance:
| Term Life Insurance | Cash Value Life Insurance |
| Covers for a limited tenure | Covers for the entire lifetime |
| Premiums are much more affordable | Premiums are slightly higher |
| No wealth creation benefit offered | Create wealth through cash value accumulation |
An alternate way to buy term life insurance for NRIs living in the USA is to buy from Indian insurers. They can do so by following the below steps:
Step 1: Visit the Term Insurance for NRI page on Policybazaar’s official website
Step 2: Fill in your Name, gender, DOB, and contact information
Step 3: Select the right smoking habit, annual income, occupation type, and educational qualifications
Step 4: Choose the most suitable term life policy and proceed to pay
As an NRI you should buy NRI term life insurance from India because of the following ways:
GST Waiver of 18% on the premiums
Additional discount of 5% on annual premiums
Special exit benefit allows you to receive the premiums paid back
Provides worldwide coverage and protection for the family
Premiums are much more affordable than international term plans
†Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
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