Enhancements to Pacific Accelerated Life+ (PAL+) Program
09-22-2022
Effective September 16, 2022, the following enhancements have been made to Pacific Accelerated Life+ (PAL+), which is the dynamic and streamlined underwriting process that replaces PL Smooth Sailing fluidless and PL Swift Sailing accelerated underwriting programs.
Enhancements
1. PL Promise GUL no-lapse guarantee universal life insurance is now available with PAL+’s non-invasive modified underwriting path.
- Up to $2M of coverage
- Ages 18-70
- All risk classes including substandard
- Drop ticket or paper application
- Physical with labs required within the past 12 months
- Choice of online or telephone interview
2. The online health history age requirement increased from age 60 to age 70.
3. Underwriting guidelines have been updated to eliminate the need for an Amplified Inspection Report where previously required.
Transition Guidelines
PL Promise GUL applications received on or after September 16, 2022 are considered for the PAL+ modified pathway. Applications received before September 16, 2022 will be considered on a case-bycase basis for PAL+.
PAL+ Pathways
PAL+ offers three possible pathways: accelerated, modified, and traditional underwriting:
| Accelerated Underwriting | Modified Underwriting | Modified Underwriting | Traditional Underwriting |
| PL Promise Term | PL Promise Term | PL Promise GUL | PL Promise Term and PL Promise GUL |
| Up to $3 million face amount | Up to $3 million face amount | Up to $2 million face amount | All face amounts |
| Ages 18-60 | Ages 18-70 | Ages 18-70 | All ages |
| Standard or better | All risk classes | All risk classes | All risk classes |
| Drop ticket only | Drop ticket or paper | Drop ticket or paper | Drop ticket or paper |
| No medical exam,* no labs/fluids, no APS | Physical with labs required within the past 12 months | Physical with labs required within the past 12 months | Physical with labs; we will notify you of any additional requirements as we proccess the application |
|
Choice of online or phone health history |
Choice of online or phone health history | Choice of online or phone health history | Choice of online (up to age 70 and $3M) or phone health history |
*The issuance of the policy may depend upon answers to the health questions contained in the application.
PL Promise Term applications can be submitted conveniently through Vive. The PL Promise GUL application can be completed on the iPipeline section of our website. Please give us a call at 800.792.6795 if you have any questions about these enhancements!