2. FHT&T 2017: Only 2 spots left!
We’re gearing up to help your staff master the latest technology, add value to your practice with marketing and prospecting, and become a pro at the processes you need for efficiency and success.
For the full agenda and to register, visit:

3. Objectives Introduce the new IUL product from Pacific Life
Compare the new product to the competition
Help you identify which clients are a good fit and where this product will do particularly well

4. On the Call Steve Schreiber Stoyan Petev
Vice President of Advanced Designs
Steve Schreiber
Assistant VP of Advanced Design

5. Agenda IUL/Industry Overview PDX’s Innovative Design
Competitive Analysis
Case Study
Who are Prospects?

6. IUL Sales for Pacific Life Insurance Company, $ Millions of New Commissionable Premium

7. Annualized Premium (in $Millions) by Product (LIMRA Int’l Q4, 2009 – Q4, 2015)

8. Corporate Bond Yields, 1996-2015 (Single-A Moody’s portfolio)

9. PACIFIC DISCOVERY XELERATOR IUL (PDX) Death Benefit Protection, with Growth Potential

10. Competitive in a Low Interest Rate Environment
New Performance Factor May Enhance the Indexed Interest Credits
Not Dependent on High Growth Caps
Competitive Performance When Comparing Same or Maximum Illustrated Rate
Potential for High Accumulated Values
Potential for Lower Premiums* on Death Benefit Illustration Solves

11. Target Premium Flexibility
No-Lapse Guarantee Rider (Repriced, More Competitive)
Benefit Distribution Rider
Premier LTC Rider
Chronic Illness Rider
Overloan Protection Rider

12. Male 47 – Standard Non Max AG 49 Rate 1,200 monthly premiums for 20 years, min death benefit, option B to A change in year 21 Max distributions years 21+

13. Male 47 – Standard Non Max AG 49 Rate 1,200 monthly premiums for 20 years, min death benefit, option B to A change in year 21 Max distributions years 21+

14. Male 47 – Standard Non Max AG 49 Rate 1,200 monthly premiums for 20 years, min death benefit, option B to A change in year 21 Max distributions years 21+

15. Male 47 – Standard Non Max AG 49 Rate 1,200 monthly premiums for 20 years, min death benefit, option B to A change in year 21 Max distributions years 21+

16. Male 47 – Standard Non Max AG 49 Rate 1,200 monthly premiums for 20 years, min death benefit, option B to A change in year 21 Max distributions years 21+

17. Orion IUL VarLoan w/ IPFlex 426,654 10,376 $ 56,281.00 7.13%
IUL Income Comparison
Male, 51, 2nd Best Class, $25,000 per year over 15 years, Opt. B DB Switching to Level in Yr16, Max Income via Variable Loan Rates
Company
Policy
Death Benefit
Target Prem
Income
Illus Rate
AM Best
Pacific Life
PDX IUL w/ BDR
429,928
12,500
$ 72,015.00
6.17%
A+ (2)
PDX IUL
$ 66,897.00
25,000
$ 64,854.00
$ 60,184.00
American General
Max Accumulator+
426,055
11,026
$ 56,821.00
7.40%
A (3)
Minnesota Life
Orion IUL VarLoan w/ IPFlex
426,654
10,376
$ 56,281.00
7.13%
Allianz Life
LifePro+
429,813
9,899
$ 56,112.00
7.00%
North American
Builder IUL8
418,599
10,197
$ 54,518.00
7.09%
Orion IUL VarLoan
$ 52,053.00
Lincoln Financial
LifeReserve IUL Accum
381,053
11,012
$ 46,437.00
7.33%
Orion IUL IdxLoan w/ IPFlex
$ 45,249.00
Orion IUL IdxLoan
$ 41,629.00
Always refer to carrier provided ledgers containing full plan details including information regarding both guaranteed and non-guaranteed elements. This is not a ledger nor state approved sales material. Although every effort was made to avoid them, inaccuracies may have occurred due to data input error.

18. Who are Your Best Prospects?
Clients with Discretionary Dollars looking for:
LIRP (with or without LTC)
College Funding Alternatives
Income Diversification
Minimizing Sequence of Returns
Companies looking for:
NQDC, Mirror 401k
Executive Bonus or Restricted Executive Bonus
Loan Regime Split $, etc.
Short Pay Designs with or without NLG