NEWPORT BEACH, Calif.--(BUSINESS WIRE)-- While investor confidence levels have continued to make small gains in recent months, market volatility remains a fresh memory in most consumers' minds. A new guide from Pacific Life details how life insurance producers can help their clients enter or reenter the equities market more confidently using a balance of services, features, and investment options available through variable universal life (VUL) insurance.

The guide, There Is More to Variable Universal Life than Just the Investment Options, shows how producers can use VUL policy features and services to:

• Manage clients' growth expectations
• Promote a long-term view
• Instill buy/sell discipline
• Monitor policy performance
• Promote diversification

Choosing the right VUL policy to protect a family or business should be based on more than the number of investment options, said Joe Miscolta, assistant vice president of portfolio and product merchandising for the Life Insurance Division of Pacific Life. Producers should consider the value-added features and services they can use to help their clients meet any number of financial and insurance needs.

Miscolta pointed out that a VUL policy is primarily purchased to provide death benefit protection, but owning a policy still requires decisions about diversifying net premiums and accumulated value among the products' 58 variable investment options and two fixed account options.

Now might be a very good time to consider VUL insurance, Miscolta said. It can be an attractive way to gradually enter or reenter the equities markets and take advantage of growth potential as the market recovers.

Insurance professionals can learn more about the new guide by contacting their Pacific Life representative or by calling 866-722-9555.

About Pacific Life

Offering insurance since 1868, Pacific Life provides a wide range of life insurance products, annuities, and mutual funds, and offers a variety of investment products and services to individuals, businesses, and pension plans. With more than half of the 100 largest U.S. companies as its clients,¹ Pacific Life is also a member of the Insurance Marketplace Standards Association (IMSA), whose membership promotes high ethical standards for the sale of individual life insurance and annuities. For additional company information, including current financial strength ratings, visit Pacific Life online at www.PacificLife.com.

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 company is solely responsible for the financial obligations accruing under the products it issues. Product and rider guarantees are backed by the financial strength and claims paying ability of the issuing company and do not protect the value of the variable investment options. Variable insurance products are distributed by Pacific Select Distributors, Inc. (member FINRA & SIPC), a subsidiary of Pacific Life Insurance Company, and are available through licensed third party broker-dealers.

Although some portfolios may have names or investment objectives that resemble retail mutual funds managed by the portfolio manager, these portfolios will not have the same underlying holdings or performance as the retail mutual funds. You should carefully consider a variable life insurance product's risks, charges, limitations and expenses, as well as the risks, charges, expenses and investment objectives of the underlying investment options. This and other information about Pacific Life are in the product and underlying fund prospectuses available from your registered representative or by calling 800-800-7681. Read the prospectuses carefully before investing.

1. Client count as of April 2009 is compiled by Pacific Life using the 2009 FORTUNE 500® list.

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Pacific Life

Stacy Santmyer Klein, 949-420-7314

Stacy.Klein@PacificLife.com

Source: Pacific Life