Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Written by

Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

Full Bio →

Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Jan 28, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right life insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider.

Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from top life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

Company Details
Address: 700 Newport Center Drive
City: Newport Beach
State: CA
ZIP Code: 92660
Phone Number: (800) 800-7646
Year Founded: 1868
AM Best Rating: A+
Company Rating 0 (0 reviews)
The Facts of Life

  • Pacific Life offers many different types of life insurance.
  • Quotes are not available online so you will have to contact the company.
  • Customers will most likely have to take a medical exam to get coverage.

Pacific Life insurance offers a variety of services, including whole, universal, and term life insurance. The company has good financial ratings but ranks about average on customer satisfaction.

If you are looking for a company that offers multiple coverages and allows you to customize add-ons and riders, Pacific Life is worth looking into.

However, since the Pacific Life insurance company offers a multitude of add-ons and riders, the choices can be overwhelming. You also can’t get a quote online so you will have to speak with an agent to determine what coverage you are eligible for and the price you’ll pay. You may also have to have a medical exam to get coverage.

Before you buy Pacific Life insurance, enter your ZIP code to compare quotes from many companies to find the best coverage at the cheapest price.

What is Pacific Life insurance?

Pacific Life was started in California in 1868 and has evolved services over the years. In addition to life insurance, the company also offers annuities and investment opportunities for businesses and individuals.

There are relatively few customer complaints about Pacific Life, and the company received an average score from J.D. Power for customer satisfaction.

However, Pacific Life rates an A+ from A.M. Best for financial strength. Its long history and strong financial ratings give customers confidence in the company and the products offered.

What life insurance coverages are offered by Pacific Life?

Pacific Life offers multiple life insurance options to customers. Offerings include term, whole, and universal coverages, with over 10 plans to choose from.

Check out this table that breaks down the different types of term, universal, and whole life insurance offered by Pacific Life.

Pacific Life Insurance Coverages
Type of CoverageName of CoverageDetails
TermPromise TermOffered in five year increments from 10-30 years and starts at $50,000 in coverage
Elite TermOffered in 10 year increments from 10-30 years and starts at $750,000 in coverage
WholeFlex 16You have to speak with an agent to find out specifics
UniversalVersa-Flex Venture UL, PL Promise GUL, Pacific Discovery Xelerator IUL 2, Pacific Indexed Accumulator 6, Pacific Discovery Protector IUL, Pacific Indexed Estate Preserver 3, Pacific Select VUL 2, and Pacific Select Harbor VULYou have to speak with an agent to find out specifics
Get Your Rates Quote Now
Compare RatesStart Now →

In addition to all of these coverages, there are also add-ons and riders available to customize your coverage even further. Each coverage includes tax-free death benefits. It’s important to note that your eligibility is based on many factors, including your age and health.

With so many types of life insurance, it can be hard to know what’s right for you. Spend time thinking about what you hope to accomplish with your life insurance.

Do you want it to help your young family by paying off the mortgage and paying for college? Or do you want to leave money for an older spouse? The stage of life you are in can greatly influence your life insurance choice.

Speak with an agent to help determine what type of coverage is best for you.

What is the cost of life insurance from Pacific Life?

Pacific Life insurance quotes aren’t available online, and the cost of each policy is determined by many factors, so it’s hard to create an estimate. While it’s possible to get affordable Pacific Life insurance, it will depend on many factors.

Companies use age, gender, health history, occupation, and hobbies to determine the cost and type of coverage they are willing to offer you. If you are a risky customer, you will pay more.

For example, a 30-year-old non-smoker will pay less than a 60-year-old who’s smoked for most of their life.

Other factors, like the length of your policy and any customization that you do, will also affect your Pacific Life Insurance rates.

In order to get a quote or purchase life insurance from Pacific Life, you will need to contact an agent. Also, be aware you will probably have to have a medical exam and coverage is not available in every state.

Enter your ZIP code below to compare cheap life insurance rates.

 Secured with SHA-256 Encryption

What’s the bottom line on Pacific Life?

There are many factors to consider when deciding if Pacific Life is right for you. Price and coverage are two big considerations.

Pros include the variety of coverage and add-on options available, the long history of the company, and the high financial rating.

Cons are that the coverage isn’t offered in every state, you can’t get quotes online, and you will probably have to take a medical exam. Average customer satisfaction ratings also mean you shouldn’t expect top-notch customer service.

Choosing life insurance is a big decision, so look at more than one company to be confident in your choice. Shop around to find the right coverage for your needs at a great price.

Enter your ZIP code to receive life insurance rates to compare with your Pacific Life quote to find the best life insurance coverage.