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800-749-9900

Life Insurance from a Social Distance
Pacific Life

Pacific Life is committed to supporting your needs as you service your clients during this extraordinary time. So that they can continue to maintain the service levels you expect from Pacific Life, they have activated their business continuity plan to allow their employees to work from home. This will allow Pacific Life to continue to operate and provide you and your clients with life insurance options like their social distance friendly Smooth Sailing program.

Smooth Sailing is a straightforward underwriting process. Pacific Life does not use statistical scoring models or "black box" underwriting to qualify or disqualify applicants for Smooth Sailing. Most importantly, if your client fits the qualification requirements, they will not be required to sit for a life insurance exam and maintain a social distance during this very trying time.

Smooth Sailing Qualification Requirements:

  • Clients age nearest birthday 50-69
  • Amount of coverage applied for and in force with Pacific Life must be less than or equal to $1,000,000
  • Comprehensive physical and blood work from the applicant's personal physician within the last 18 months

Pacific Life's Smooth Sailing is available for PL Promise Term and PL Promise GUL and offers policy eDelivery. To maintain a social distance, submissions can be made online via our website. How you access Pacific Life and Smooth Sailing will vary by product so please contact us to review how to submit your client to underwriting.

In a business climate of extremely limited travel and social distancing, we understand that the need to sell life insurance safely is paramount for both you and your clients. We recognize that you are looking for solutions to meet the changing needs of your clients and we are very proud to offer you Pacific Life's Smooth Sailing.


Please contact us for additional information.
800-749-9900, ext. 126

For Life Insurance Producer Use Only. May Not be Distributed to the Public.

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. Only a life insurance producer who is also a fiduciary is required to advise if the product purchase and any subsequent action taken with regard to the product are in their client's best interest.

Pacific Life refers to Pacific Life Insurance Company and its affiliates, including Pacific Life & Annuity Company. Insurance products are issued by Pacific Life Insurance Company in all states except New York and in New York by Pacific Life & Annuity Company. Product availability and features may vary by state. Each insurance company is solely responsible for the financial obligations accruing under the products it issues. 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.



Reply to this message or contact Jeff Pilate at 800-749-9900, ext. 126, for additional information.

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