Pacific Life Insurance Review for 2025 (+Options & Prices)

Our Pacific Life insurance review helps families and individuals evaluate flexible, high-value life insurance options with specific features suited to diverse needs.

Pacific Life Insurance Rating

Pacific Life offers term and universal life insurance policies featuring the Living Needs Benefit program, allowing policyholders to access up to 50 percent of their death benefit early during serious illness.

Applicants between 20 and 100 can qualify for coverage with no upfront fees on universal life plans and a guaranteed minimum interest rate of 3 percent.

Find detailed insights and ratings in our Pacific Life insurance review by entering your ZIP code into our free quote comparison tool.

Pacific Life Insurance Coverage Policy Rates

Rates for Pacific Life insurance show changes depending on age and gender. For term policies, young females can start with premiums as low as $14, but the cost goes up a lot by the time they reach 65 years old.

Pacific Life vs. Top Competitors: Life Insurance Monthly Rates

Whole policies also follow similar patterns, where males pay more than females at all ages and for every coverage type. This shows how demographic risk factors affect the cost of insurance.

Pacific Life insurance monthly costs change a lot based on driving record and policy type. For term policies, if the driving history is clean, premiums begin at $20–$50 each month but go up to $45–$75 when there are accidents recorded.

Whole life insurance begins at higher rates, from $60–$100 if you have a clean driving record. However, the cost increases to $75–$110 when issues arise, such as DUIs or tickets. Drivers who drive safely get the cheapest coverage, while mistakes greatly increase costs for both types of policies.

Read more: Whole vs. Term Life Insurance

Enter your zip code below to view companies that have cheap insurance rates.

Auto Home Health Life Business Motorcycle Pet Medicare Rental

 Secured with SHA-256 Encryption

Pacific Life Insurance Customer Reviews and Ratings

Pacific Life shows good ratings on industry standards, mixing strong finance, ethical behavior, and a focus on customers. With an A+ from A.M. Best. Pacific Life insurance reviews from BBB show a solid B grade rating, along with an 86/100 from Consumer Reports, highlighting the insurer’s trustworthiness.

Pacific Life Insurance Business Ratings & Consumer Review

J.D. Power’s 805/1,000 indicates better than average satisfaction, and NAIC’s 0.19 shows a very low complaint ratio. This means it is a trustworthy and reliable company. Understanding what is single premium life insurance reveals how Pacific Life earns strong customer reviews for upfront flexibility.

What is Pacific Life Insurance?

Founded in 1868 as Pacific Mutual Life, the company originally only offered life insurance policies but added accident policies in 1885. They’ve survived a number of national catastrophes, including the 1906 San Francisco earthquake and the Great Depression in the 1930s.

It underwent a name change back in 1997, from Pacific Mutual Life to Pacific Life Insurance, due to corporate restructuring. As a mutual holding company, they are owned by policyholders, not shareholders. Currently, they are the fourth-largest insurance company in total life insurance sales. They are also one of the few companies to offer policies in all 50 states.

Pacific Life offers three major types of products: Life insurance, mutual funds, and annuities. For the purposes of this review, we’ll be focusing exclusively on the different types of life insurance the company offers.

Their most sought-after product and the one which is rated highest in terms of sales is their universal life insurance policies. Universal life is a highly popular alternative to traditional term and whole life insurance. See more details about each type of life insurance offered by Pacific Life by continuing to read.

Pacific Life Insurance Coverage

The backbone of the company’s offerings and what it’s most commonly known for, Pacific Life insurance, comes with a variety of options depending on your lifestyle and goals. Pacific Life provides a range of main life insurance coverages that aim to match diverse financial and personal requirements.

Every type of policy is created with particular benefits, eligibility rules, and characteristics that attract different life stages, risk levels, and investment objectives. Here is an overview of Pacific Life’s main life insurance coverages, highlighting unique features and benefits for each.

• Term Life Insurance: Provides coverage for a set period (such as 10, 20, or 30 years) with a minimum death benefit of $500,000. It is a cost-effective solution for short-term needs such as home loans or replacing income.
• Whole Life Insurance: Permanent life insurance that grows guaranteed cash value slowly over time, gives a set death benefit, and attracts people looking for coverage that lasts whole life, plus an unchanging, reliable asset.
• Universal Life Insurance (UL): A flexible, lasting policy that combines life insurance with tax-deferred savings, offering at least $25,000 as a death benefit and a guaranteed 3% minimum interest added to the cash value.
• Variable Universal Life Insurance (VUL): Long-term insurance providing at least a $25,000 death benefit with investment choices connected to mutual funds. This lets policyholders try for higher returns but also take on market risk.
• Living Needs Benefit Rider: An optional rider lets policyholders get up to 50% of their death benefit early if they find out they have a serious illness that qualifies. This provides funds for medical expenses or other essential needs.

These different coverages show Pacific Life’s dedication to giving specific solutions for various financial aims, whether you focus on cost-effectiveness, investment opportunities, or quick access during tough times. By carefully looking at each type of coverage, you can match your policy choice with your long-term goals.

The rate for your Pacific Life Insurance premium will depend on a number of factors, including your age, gender, health, whether or not you are a smoker/use tobacco, how long you want your (Term) insurance to run and how much insurance you want to purchase, as well as the state you live in.

To get an accurate rate quote for life insurance from Pacific Life, it’s a good idea to start by getting an online quote and then comparison shop between life insurance providers to find the best deal that also gives you the benefits you want.

Pacific Life Insurance Add-ons

Depending on the insurance type you choose, you may be able to add on different features, such as a disability benefit, or added financial protection for your children in the event of your death.

Not all add-ons are available for all types of policies, so it’s a good idea to decide which type of life insurance you want first and then determine if the benefits of add-ons outweigh the costs.

Discover more by reading our guide: What is a life insurance beneficiary?

Enter your zip code below to view companies that have cheap insurance rates.

Auto Home Health Life Business Motorcycle Pet Medicare Rental

 Secured with SHA-256 Encryption

Canceling Your Pacific Life Insurance Policy

If you want to cancel your Pacific Life Insurance policy, you’ll need to contact an agent directly. Fortunately, Pacific Life works with agents nationwide, so there’s likely one near you. If you cancel your Pacific Life policy early, learn what a modified endowment contract (MEC) could mean for your taxes.

You can cancel your life insurance plan beyond the initial period (usually 30 days), where you can cancel at no charge with no penalty. Otherwise, you can generally cancel at any time without cost, but you will not be refunded the monthly premiums you’ve paid so far.

It also may be more difficult to get insurance again in the future when you’ve grown older (or potentially developed other health conditions). You may need to write Pacific Life Insurance or call directly to cancel. On their website, you can find the most common numbers and addresses where you can reach them for various insurance products.

How to File a Claim With Pacific Life Insurance

In order to file an insurance claim with Pacific Life, you’ll want to contact the Life Insurance division at 1-800-347-7787, 5 am to 5 pm Monday-Friday, Pacific time. Should you need to change ownership of a policy, change the beneficiary, or change the name on the policy, customer service can direct you to the appropriate form.

Pacific Life Insurance Reviews Say About Complaints

Many of the most common processes can be handled online through Pacific Life’s website. However, you cannot change your payment details online or your address.

Updating beneficiaries or canceling your policy also requires a paper form. This can seem cumbersome and unwieldy if you’re used to handling things digitally, but it also provides an extra layer of security.

Pacific Life Insurance Pros

Pacific Life’s competitive strengths show its focus on being accessible and having a wide presence all over the country. They give policyholders flexible, useful options when times are uncertain. Here are some of the main advantages Pacific Life offers, shown through specific programs and their availability:

• No Medical Exams Needed: Term policies up to certain limits (maximum $249,999) might qualify without a medical exam, making the approval process faster for those who are eligible.
• Living Needs Benefit Policy: This rider lets you get up to 50% of the death benefit early if a doctor says you have a qualifying terminal or chronic illness.
• Available Nationwide: Coverage is provided in every one of the 50 states. However, for policies in New York, they are issued by Pacific Life & Annuity Company with some small differences in terms.

These benefits make Pacific Life a flexible option for people who value quick service, financial support when sick, and wide geographic coverage. Understand what a life insurance annuity is and explore its role alongside the key Pacific Life Insurance pros.

Pacific Life Insurance Cons

Pacific Life has some limitations, especially in how it communicates and the way you can buy its products. Here are the main drawbacks of the company explained:

• No Direct Email Service: For customer questions, you need to talk to agents or call service centers because there is no general email support available for life insurance inquiries.
• Third-Party Seller: Policies are available only through licensed agents or partner institutions, not directly from Pacific Life.

These restrictions can make people who like straightforward, online interactions and easy self-service buying feel frustrated. It is important to balance ease of use with other important things. Explore the life insurance guide to understand more about Pacific Life Insurance cons in detail.

Enter your zip code below to view companies that have cheap insurance rates.

Auto Home Health Life Business Motorcycle Pet Medicare Rental

 Secured with SHA-256 Encryption

Getting a Pacific Life Insurance

Pacific Life, supported by more than a hundred years of solid financial history, has built its name as a trusted and dedicated life insurance company.

By focusing only on life insurance, the firm offers expert and caring service while handling claims very quickly. This makes Pacific Life a dependable option for both families and individuals. Find one quote that convinced you to get life insurance, then explore Pacific Life’s flexible options today.

Pacific Life has coverage all over the 50 states, so if you move, your policy can go with you. However, some extras and benefits might be different based on where you live.

Pacific Life provides many kinds of policies, like term, whole, universal, and variable universal insurance. They also have a strong list of optional add-ons called riders that let you adjust the coverage to fit your special money goals and situations. Begin comparing policies and add-ons with our Pacific Life insurance review by entering your ZIP code into our free quote comparison tool.