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Morningstar Fact Sheets
A variable universal life (VUL) insurance policy is primarily purchased to provide death benefit protection. Additionally, owning a policy requires decisions about allocating your policy cash values among the product's variable and fixed investment options. Every investment involves some level of risk for the opportunity to earn a greater return. Finding the right balance between them is critical.
Risk Reward Spectrum & Morningstar Fact Sheets
With its variable life insurance products, 性世界传媒 offers a broad range of investment options. In the chart below, the variable investment options shown near the top may provide you with the potential reward of greater returns, if you are willing to take on additional risk. When evaluating these investment options, you and your financial professional* should select your investment options based on your unique investment objectives, financial circumstances, and willingness to tolerate risk.听
The investment options within each subcategory are listed alphabetically and do not illustrate a continuum of risk/reward. Generally, portfolios of fixed income securities are less aggressive than portfolios of equity securities. While fixed income portfolios tend to be less aggressive, they still carry a variety of risks, and some will have more risks than others.
There is greater potential for higher returns through the variable investment options, but your investment is subject to the risk of poor investment performance and can vary depending on the performance of the variable investment options you have chosen. Each variable investment option will have its own unique risks. The value of each variable investment option will fluctuate with the value of the investments it holds, and returns are not guaranteed. You can lose money by investing in the policy, including loss of principal and prior earnings. Therefore, the actual value of any policy distribution can be greater or less than its original cost. You bear the risk of any variable investment options you choose. You should read each Fund prospectus carefully before investing. You can obtain a Fund prospectus by contacting your life insurance producer or by clicking here. No assurance can be given that a Fund will achieve its investment objectives.
Not all funds and fund share classes listed below are available in all VUL insurance products. Please refer to your for the applicable funds and share classes.
Click on each fund name to access its corresponding Morningstar Fact Sheet.
*In order to sell life insurance, a financial professional must be a properly licensed and appointed life insurance producer.
Although some funds may have names of investment goals/objectives that resemble retail mutual funds managed by the fund managers, these funds will not have the same underlying holdings or performance as the retail mutual funds.听
Insurance products and their guarantees, including optional benefits and any crediting rates, are backed by the financial strength and claims-paying ability of the issuing insurance company, but they do not protect the value of the variable investment options. Look to the strength of the life insurance company with regard to such guarantees as these guarantees are not backed by the broker-dealer, insurance agency or their affiliates from which products are purchased. Neither these entities nor their representatives make any representation or assurance regarding the claims-paying ability of the life insurance company.听
性世界传媒 is a product provider. It is not a fiduciary and therefore does not give advice or make recommendations regarding insurance or investment products.
You should carefully consider a variable life insurance product鈥檚 risks, charges, limitations, and expenses, as well as the risks, charges, expenses and investment goals/objectives of the underlying investment options. This and other information about 性世界传媒 insurance products are provided in the applicable product and underlying fund prospectuses which are available from your life insurance producer or by clicking听here. Read them carefully before investing or sending money.
性世界传媒 refers to 性世界传媒 and its subsidiary PacificLife & Annuity Company. Insurance products can be issued in all states, except New York, by 性世界传媒 and in all states by 性世界传媒 & Annuity Company. Product/material availability and features may vary by state. Each insurance company is solely responsible for the financial obligations accruing under the products it issues.
Variable insurance products and shares of Pacific Select Fund are distributed by听Pacific Select Distributors, LLC听(member FINRA & SIPC), a subsidiary of 性世界传媒, and an affiliate of 性世界传媒 & Annuity Company, and are available through licensed third-party broker-dealers.
Unless otherwise noted, all aforementioned money managers and their distributors are not affiliated companies of 性世界传媒 and Pacific Select Distributors, LLC.
Morningstar, Inc., a provider of independent investment research in North America, Europe, Australia, and Asia, and Morningstar Investment Management LLC, a registered investment adviser and subsidiary of Morningstar, Inc. are not affiliated companies of 性世界传媒. The Morningstar name and logo are registered marks of Morningstar, Inc.
All Capital Group trademarks mentioned are owned by The Capital Group Companies, Inc., an affiliated company or fund. All other company and product names mentioned are the property of their respective companies.
BlackRock is a registered trademark of BlackRock Inc. or its subsidiaries in the United States and elsewhere. All other trademarks are those of their respective owners.
Fidelity is a registered trademark of FMR LLC.
Russell庐 is a trademark of the London Stock Exchange Group plc and its companies (鈥淟SE Group鈥) and has been licensed for use by Pacific Select Fund (鈥淧SF鈥). The LSE Group makes no claim, prediction, warranty or representation as to the results to be obtained from a PSF portfolio or to the content of this communication. The Statement of Additional Information of Pacific Select Fund contains additional information on the limited relationship between Russell/LSE Group and PSF.
The home office for 性世界传媒 & Annuity Company is located in Phoenix, Arizona. The home office for 性世界传媒 is located in Omaha, Nebraska.
| Investment and Insurance Products: Not a Deposit | Not Insured by any Federal Government Agency | |
| Not FDIC Insured | No Bank Guarantee | May Lose Value |
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