MassMutual vs Pacific Life
Comprehensive side-by-side comparison of indexed universal life insurance companies
MassMutual
Founded: 1851
Springfield, Massachusetts
Assets
$950 billion+ life protection in force
IUL Experience
0+ years
Products
0
Avg Cap Rate
N/A
Key Strengths
Does NOT offer IUL
Focuses on whole life products
Pacific Life
Founded: 1868
Newport Beach, California
Assets
$239 billion
IUL Experience
20+ years
Products
12
Avg Cap Rate
8.50%
Key Strengths
Second largest by market share with 38% YoY growth
Fortune 500 company (#282)
$1.5 trillion life insurance in force
8 consecutive years World's Most Ethical Companies
Innovation leader in IUL space
Detailed Feature Comparison
| Feature | MassMutual | Pacific Life |
|---|---|---|
| Founded | 1851 | 1868 |
| Headquarters | Springfield, Massachusetts | Newport Beach, California |
| Assets Under Management | $950 billion+ life protection in force | $239 billion |
| Years in IUL Business | 0+ years | 20+ years |
| Number of IUL Products | 0 | 12 |
| Typical Cap Rate Range | N/A - N/A | 7.50% - 9.00% |
| Participation Rates | N/A | 125% |
| Minimum Premium | N/A | $5,000 annual |
| Issue Ages | N/A | 0-85 years |
| Underwriting Speed | N/A | 2-4 weeks standard, 48 hours accelerated available |
Pacific Life IUL Policies
Pacific Discovery Xcelerator IUL 2
Cap Rate: 7.50% with uncapped 10.00% threshold option
Floor: 0%
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