A Friendlier Way to Do Business
We’ve combined PL Swift and PL Smooth Sailing programs into one seamless process with Pacific Accelerated Life+ (PAL+). |
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Meet Your New PAL+ Applying for life insurance just got better with Pacific Accelerated Life+ (PAL+). See how it works. |
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One Seamless Process, Three Possible Pathways:
You Apply, We Do the Rest
With our streamlined underwriting, your clients’ applications are intelligently routed for the least invasive underwriting method possible.
For example, if your clients are first considered for accelerated underwriting and they do not qualify, they’re automatically considered for modified underwriting where a physical with full lab work within the past 12 months is required. If your clients don’t qualify for modified underwriting, they’re automatically pivoted to traditional underwriting.
Apply how you like or for our best experience, apply for accelerated underwriting using drop ticket with online health history. |
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ACCELERATED
No medical exam*
No APS |
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Up to $3M PL Promise Term coverage, ages 18-60
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Standard or better risk class
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Drop ticket only
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Choice of online or phone health history
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MODIFIED
Physical with labs required within the past 12 months |
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Up to $3M of PL Promise Term coverage, ages 18-70
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Up to $2M of PL Promise GUL coverage, ages 18-70
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All risk classes including substandard
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Drop ticket or paper application
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Choice of online or phone health history with drop ticket†
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TRADITIONAL
We will notify you of any additional requirements as we process the application |
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All ages, all face amounts
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Drop ticket or paper application
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Choice of online (up to $3M coverage and ages 18-70) or phone health history with drop ticket†
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* The issuance of the policy may depend upon answers to the health questions contained in the application.
† Paper applications require phone health history. |
Explore our eCapabilitiesPair PAL+ with our time-saving eCapabilities for the best experience. |
