Pacific Life Insurance Review: Honest Insights

Welcome to my comprehensive review of Pacific Life Insurance Company, a trusted provider in the insurance industry for over 149 years. In this article, I will provide you with honest insights into their policies, benefits, and customer satisfaction. Whether you’re looking for term life insurance, universal life insurance, or retirement solutions, Pacific Life has options to suit your individual needs.

As an established company, Pacific Life Insurance has proven its commitment to providing reliable coverage and financial security to policyholders. With a wide range of coverage options, including term life insurance, universal life insurance, indexed universal life insurance, and variable universal life insurance, Pacific Life aims to meet the diverse needs of its customers. Their policies come with customizable benefits that can be tailored to your specific requirements, ensuring that you receive the coverage and protection you need.

One of the key advantages of Pacific Life Insurance is its strong financial rating and solid financial standing, making it a trustworthy choice for policyholders. The company has received favorable ratings from reputable agencies such as A.M. Best, Fitch, Moody’s Investor Service, and Standard & Poor’s. These ratings reflect Pacific Life’s financial strength and its ability to fulfill its obligations to policyholders.

While Pacific Life Insurance is available in all states except New York, it has a wide presence across the nation. If you’re interested in exploring their policy offerings or obtaining a quote, their customer service team is available to assist you. Simply reach out to them at 1-800-347-7787 to discuss your insurance needs and receive personalized guidance.

As we delve deeper into this review, you’ll discover the various policy options, coverage details, and benefits that Pacific Life Insurance has to offer. Additionally, I will highlight any considerations, such as their lack of a mobile app for online policy management, which may be relevant to individuals who prioritize convenient digital services.

Policy Options and Coverage Details

Pacific Life offers a versatile range of life insurance policies that cater to individual needs. Whether you’re looking for temporary coverage or lifelong protection, they have options to suit you. Let’s explore their policy offerings in more detail.

Term Life Insurance

If you’re seeking coverage for a specific period, Pacific Life’s term life insurance policies are worth considering. They provide financial protection for a set term, typically ranging from 10 to 30 years. During this period, if the policyholder passes away, the chosen beneficiaries will receive a death benefit. Pacific Life offers two term life insurance policies: Promise Term and Elite Term, each designed to meet different coverage needs.

Permanent Life Insurance

If you prefer lifelong coverage, Pacific Life’s permanent life insurance policies are ideal. These policies, including universal life, indexed universal life, and variable universal life, provide coverage for your entire lifetime. Alongside the death benefit, they also feature a cash value component, allowing you to build savings over time. With permanent life insurance, you have the flexibility to adjust premiums and death benefits to align with your changing circumstances.

Company Contact Information

If you have any questions or need more information about Pacific Life’s policies, benefits, or quotes, feel free to reach out to their customer service team. They can be contacted at 1-800-347-7787. You can also get in touch with Pacific Life by mail at the following address:

Pacific Life Insurance Company
P.O. Box 2030
Omaha, NE 68103-2030

For additional details and resources, you can visit Pacific Life’s website at Keep in mind that availability and specific policy types may vary by state, so it’s best to consult directly with Pacific Life for accurate and up-to-date information.

pacific life insurance company


In conclusion, Pacific Life is a reputable life insurance company with a long history and a strong track record. They offer a range of policy options and benefits tailored to individual needs, including universal life insurance, term life insurance, indexed universal life insurance, and variable universal life insurance. Their commitment to customer satisfaction and sustainability, as well as their strong financial ratings, make them a reliable choice for policyholders.

If you are in the market for life insurance, it is crucial to consider Pacific Life’s offerings. Their policies provide comprehensive coverage and the flexibility to meet your specific needs. Additionally, Pacific Life’s dedication to sustainability ensures that your insurance provider aligns with your ethical values.

Before making a decision, it is important to compare quotes and policy details from different providers to find the best fit. However, Pacific Life’s long-standing reputation in the insurance industry and their positive customer ratings make them a trusted option to consider for your life insurance needs.


What types of life insurance policies does Pacific Life offer?

Pacific Life offers both term life insurance and permanent life insurance options. Their term life insurance policies provide coverage for specific terms ranging from 10 to 30 years, while their permanent life insurance policies provide coverage for the entire lifetime of the policyholder.

What benefits does Pacific Life insurance provide?

Pacific Life insurance offers benefits such as universal life insurance options, term life insurance riders, and excellent customer service.

What is the availability of Pacific Life insurance coverage?

Pacific Life insurance is available in all states except New York.

How does Pacific Life insurance rate compared to other companies?

Pacific Life insurance has received strong ratings from reputable rating agencies like A.M. Best, Fitch, Moody’s Investor Service, and Standard & Poor’s.

Does Pacific Life have a mobile app for policy management?

No, Pacific Life does not have a mobile app for policy management.

Where is Pacific Life insurance available?

Pacific Life offers life insurance policy options in 49 states, excluding New York.

What is the new product recently introduced by Pacific Life insurance?

In April 2023, Pacific Life introduced a new variable universal life insurance product called Pacific Protector VUL2.

How can I get more information about Pacific Life insurance policies, benefits, and quotes?

To get more information about Pacific Life insurance, you can contact their customer service at 1-800-347-7787 or visit their website at

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Olivia is a finance expert with years of experience in the industry. She is passionate about helping people make informed decisions about their finances, and her expertise lies in the areas of loans and insurance policies.

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