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PACIFIC LIFE'S LIFE INSURANCE Underwriting Guidelines

19-337 For Financial Professional use only. Not for use with the Life INSURANCE CompanyPACIFIC LIFE'S LIFE INSURANCE Underwriting GuidelinesTABLE OF CONTENTS2312 Red Flag Medications13 Uninsurable Conditions / Conditions by Timeline14 Ages 18 90, Female & Male Build Chart14 Overview Introduction 5 Underwriting Credit Program PACIFIC Healthy Rewards8 Approved Vendors and Services ProvidedUnderwriting OverviewConditions ChecklistStandard Build Chart2 of 28 For Financial Professional use only. Not for use with the RisksImpairment Guide521 Non-Medical RisksNon-Medical Risks622 Financial Underwriting Guidelines26 Temporary INSURANCE Application and Agreement (TIA)27 Reinsurance LimitsFinancial Underwriting GuidelinesFor Financial Professional use only. Not for use with the public. 3 of 28* The Underwriting Guidelines in this brochure do not apply to the Promise product line.

Pacific Life will make direct payments only to the medical requirement providers that are contracted with Pacific Life (refer to Approved Vendors list). • Life insurance producers or firms choosing to use medical requirement vendors not included on the Approved Vendors list will

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