A West Coast carrier is expanding its offerings for the living benefits market.

Pacific Life Insurance Company, Newport Beach, Calif., is rolling out 3 riders for purchasers of its single-life variable universal life insurance policies.

The riders include a minimum earnings benefit rider and a guaranteed minimum distribution rider. Those riders protect VUL holders against downturns in the investment markets, Pacific Life says.

The third rider, a long term performance rider, can maximize a policyholder’s potential long-term accumulation of cash value, the company says.

Pacific Life is responsible for backing the rider guarantees.