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Pacific Life Insurance Review

Pacific Life is a reputable insurance company often recognized by its iconic breaching humpback whale logo. But how much do you really know about this longstanding organization and is this the right life insurance company for your needs?

Read our Pacific Life review below to learn more about the insurance company and explore Pacific Life customer reviews and ratings as you compare life insurance plans available where you live. 

About Pacific Life Insurance

Pacific Life was founded in 1868 and offers life insurance, annuities and other investment products for both individuals and businesses. The Newport Beach, CA company holds $191 billion in assets.  

What Kind of Life Insurance Does Pacific Life Sell?

Pacific Life insurance policy options can vary slightly by state, but the products you may find typically include term, whole, universal, variable universal and indexed universal life insurance. 

Pacific Life Term Life Insurance

Pacific Life offers two different types of term life policies:

  • The Promise Term is available in terms of 10, 15, 20, 25 and 30 years and allows you to convert all or some of your death benefits to a universal policy at any point before the age of 70. 

  • The Elite Term is available in increments of 10, 20 or 30 years and lets you convert to a cash value policy up to 10 years after its start date.  

Pacific Life Whole Life Insurance

Pacific Life whole life policies offer fixed premiums and guaranteed minimum interest credit rates along with a guaranteed death benefit, all wrapped into a permanent life insurance policy.  

Pacific Life Universal Life Insurance

A universal life insurance policy from Pacific Life offers permanent protection that uses current interest rates (but guarantees at least a minimum interest rate) to build cash value combined with flexible premiums and death benefit protection. 

Pacific Life Variable Universal Life Insurance 

A variable universal life insurance policy is permanent coverage that affords cash value with the ability to invest in various accounts and the premiums and death benefit may be adjusted as needed to align with changing needs.

Pacific Life Indexed Universal Life Insurance

Indexed universal life insurance is a cash-value policy with tax-free death benefits. The cash value protection allows your policy to accumulate an index-based value with interest based on major stock indexes. 

Does Pacific Life Insurance Have Any Riders?

Pacific Life offers a handful of riders that may be added to a life insurance policy to address individual needs. 

These include life insurance protection for a child, long-term care benefits, an annual renewable term and an accidental death benefit rider

How Much Does Pacific Life Insurance Cost?

Pacific Life does not offer online quotes for its life insurance policies, but you can contact a licensed insurance agent to compare free quotes for various life insurance policies available in your area. 

Does Pacific Life Insurance Have Good Customer Service?

Pacific Life is known for having good customer service. Pacific Life has a rate of customer complaints that is below the industry average according to the National Association of Insurance Commissioners’ (NAIC) National Complaint Index Report.  

Pacific Life customer service performance also ranked much better than the industry average in J.D. Power’s 2021 U.S. Life Insurance Study for overall customer satisfaction. 

Pacific Life Insurance Phone Number

Existing Pacific Life plan members can call the Pacific Life customer service phone number at (800) 800-7646 for general questions about their policy, such as checking on claim payment status, contesting a life insurance policy, paying a bill and more.

What Is the Financial Rating of Pacific Life?

Pacific Life is on solid financial footing according to the leading financial rating agencies:1

  • S&P Global: AA-
  • Fitch Ratings: AA-
  • AM Best: A+
  • Moody’s: Aa3

AIG vs. Pacific Life

AIG is a competitor of Pacific Life and serves as a good measure of comparison.

AIG offers a greater selection of term lengths for its term life insurance policies than Pacific Life, but AIG requires a higher minimum death benefit purchase. Both life insurance companies have strong financial ratings and customer service performance. Only Pacific Life offers indexed universal life insurance, but AIG offers more riders. 

AIG and Pacific Life are very similar and if you are familiar with AIG, you should have a good idea of what to expect from Pacific Life. 

Is Pacific Life a Strong Company?  

Pacific Life sells a diverse portfolio of life insurance products that are backed by solid financial ratings and a proven customer service performance. For most consumers, those criteria fit the bill as a strong company.

Call to chat with a licensed insurance agent today to learn more about the life insurance policies available where you live. You can compare free quotes and get answers to your life insurance questions. 

1 Pacific Life. Insurance Ratings & Financials. Retrieved March 25, 2022 from


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