What types of life insurance does Pacific Life & Annuity offer?

Pacific Life & Annuity provides a range of life insurance options, including term life, whole life, and universal life policies. These offerings cater to diverse financial protection needs.

Can policyholders customize their life insurance policies with Pacific Life & Annuity?

Yes, Pacific Life & Annuity offers customization options, allowing policyholders to tailor their coverage, premium payments, and additional benefits according to their preferences.

What is the difference between term life and whole life insurance with Pacific Life & Annuity?

Term life offers temporary coverage for a specified period, while whole life provides lifelong protection with a cash value component that grows over time.

Is it possible to convert a term life insurance policy into a permanent policy with Pacific Life & Annuity?

Pacific Life & Annuity may offer conversion options, allowing policyholders to switch from term to permanent life insurance, typically without the need for a new medical exam.

What happens if policyholders miss premium payments with Pacific Life & Annuity?

Some policies offer a grace period for late payments. If premiums remain unpaid, the policy may lapse or be converted into a reduced paid-up policy, depending on the terms.

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