Pacific Life Life Insurance Review

By Policy Scout
Updated Jul 8, 2022
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Term Life Insurance: 48.02
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Pacific Life Insurance Review


Founded in 1885, Pacific Life Insurance Company is a Fortune 500 company, ranking as the 4th largest life insurance company in the United States. This company has two features that make it unique amongst the top life insurance companies. First, their policy includes a “Living Needs Benefit” that provides some coverage for chronic and terminal illnesses. Second, if you are unable to pay your premiums due to a disability preventing you from working, they do not deduct those premiums out of your death benefits. For these compassionate options, it’s evident that Pacific Life lives up to its motto “the power to help you succeed,” making it a cut above the rest.

PolicyScout Review

Pacific Life has outstanding financial strength ratings, including an A+ Superior rating from A.M. Best. The provider earns an A+ rating from the Better Business Bureau, too, which demonstrates they receive very little customer complaints.

In some cases, Pacific Life allows members to convert or increase their coverage without requiring a new physical examination or an extensive reapplication process. At present, Pacific Life only offers life insurance, so you won’t receive bundled or multi-policy discounts. Living a healthy lifestyle is the best way to get the most reasonable rates. Exercise regularly, stop smoking and maintain a healthy weight for the best rates.

Life insurance companies factor in lifestyle choices when they quote your insurance rates. Living a healthy lifestyle is the easiest way to get the best rates.

Pacific Life doesn’t disclose information about rates or average premiums on their website — you must apply for a quote. Customer service for Pacific Life is lacking online and is primarily handled over the phone or through your agent or broker. The website is helpful for existing members — you can update beneficiaries, change your address, and take advantage of their online education resources. But you can’t change payment information or cancel without calling. In addition, there is no direct email listed for customer service.


  • Easy electronic application you can fill out online

  • Shorter application form than average

  • Policy delivered by email

  • Company is primarily focused on life insurance (rather than a wide menu of insurance offerings)

  • Provide a wide range of policy types, coverage options, and riders


  • Application approval is not guaranteed; an average number of approvals are given to applicants

  • The wide selection of policies to choose from can be confusing

  • Many policies are better suited to corporate life insurance options or individuals who are wealthy

  • Very little online customer service; you typically need to call for individual attention and may experience long waiting times

Pacific Life Insurance Company is a reputable company with over 145 years in the insurance industry. With a good variety of life insurance plans to match your specific needs and strong financial strength, this company is trustworthy and likely to have the policy you need.