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Last Updated: 04/18/2025

Pacific Life - Life Insurance

in Life Insurance from Pacific Life

Last Updated: 04/18/2025

Strongly recommended7 total votes

7 users recommend

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Highlights

Community Rating

Strongly recommended

Term Life Death Benefit Range

N/A

Term Options

Term Life
Level Term

Financial Strength Rating

A+(Verified 04/18/2025)

Number of Reviews

Pacific Life - Life Insurance Review

Pacific Life - Life Insurance Pros & Cons

Pros

Cons

Offers life insurance policies that don't require medical exams.
Life policy terms of up to 30 years.
Strong financial rating
Available in all 50 states.
Access to multiple life insurance policy types.

Pacific Life is a life insurance carrier based in Omaha, NE. The company was founded in 1868 and offers life insurance products in 50 states (and Washington, DC).

Pacific Life - Life Insurance FAQ

What types of life insurance products does Pacific Life offer?

Life insurance companies typically offer a wide variety of life insurance options. One of the best ways to save money on life insurance products is to avoid unnecessary coverage. Only purchase life insurance policies and riders you actually need.

Here is a brief description of life insurance options Pacific Life offers.

Term Life Insurance - This is the simplest type of life insurance policy. Term life insurance policies are payable if the insured person dies within a specific period of time, such as 5, 10, or 30 years. Pacific Life - Life Insurance offers term lengths ranging from 10 to 30 years.
Level Term Life Insurance - These are term life insurance policies that have the same fixed premium and payment amount through the duration of the life insurance policy.
Whole Life Insurance - Whole life insurance policies remain in force for the policyholder's entire life, provided premiums are paid. They have a tax deferred cash value, meaning the cash value will not be taxed until funds are withdrawn.
Universal Life Insurance - This type of universal life insurance policy guarantees a fixed death benefit and an investment account. The cash value of the investment account will vary depending on the portfolio's performance.
Variable Universal Life Insurance - These types of universal life insurance policies provides the most flexibility when it comes to investing the cash value of a universal life policy in separate accounts with "variable" values.
Indexed Universal Life Insurance - These types of universal life insurance policies allows policyholders to place the cash value of the life insurance policy in a fixed account or an equity index account, such as the S&P 500 or the Nasdaq 100.

What is SuperMoney's financial rating of Pacific Life?

The financial strength rating of life insurance companies scores its ability to pay contracts and life insurance policies. SuperMoney gives Pacific Life an A+, which is the highest available rating we give to life insurance companies.

SuperMoney's financial strength rating is primarily based on the average score from independent insurance rating agencies.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Headquarters

1299 Farnam Street

4th Floor

Omaha, NE 68102

Visit Site

Email Support

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SuperMoney Net Recommendation Score

SuperMoney users strongly recommend this product, giving it a user recommendation score of +100, or 5 on a 5-point rating scale.

+100

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

Pacific Life - Life Insurance Community Reviews

Would you recommend Pacific Life - Life Insurance to your friends?

Mazhar C.

Nov 25, 2022

May or may not recommend

I would recommend this company. They have multiple versions of life insurance for any walk of life and is a trusted brand for being in business for so long. I would definitely tell my friends about Pacific Life.

Nathalie S.

May 11, 2022

May or may not recommend

Pacific Life has mutltiple benefits, first of all, they have a very cheap term coverage, also you can get approved very easy and fast, ive had an excellent experice with them, Their representatives give you very useful advice and everything goes fast and smooth.

Bettie Y.

Apr 27, 2022

May or may not recommend

Reigni D.

Apr 27, 2022

May or may not recommend

There are a lot of benefits with this company and you can get approved very quickly. Sign ups are also simple and accessible.

Bailey P.

Mar 18, 2022

May or may not recommend

What is great about this company is how fast you can get approved. My aunt got approved in just a day! You also get to increase death benefits when you reach certain milestones which I find very beneficial.

Ashma A.

Mar 8, 2022

May or may not recommend

Pacific Life offers both term and permanent life insurance, as well as life insurance with long-term care benefits. Individuals and corporations can benefit from Pacific Life's life insurance, annuities, and investment options. Life also offers indexed universal life insurance, which is a type of permanent life insurance policy. For the majority of its life insurance kinds, Pacific Life offers a critical combination of competitive price and trustworthy illustrations for plans ...Show More

Glenda T.

Jun 10, 2021

May or may not recommend

The sign-up process for Pacific Life was so simple. My mother was able to get a term life policy approved in a day with no medical exam!

Showing 7 of 7 reviews