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Pacific Life - Life Insurance

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Pacific Life - Life Insurance

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Highlights
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Financial Strength Rating A+

Pacific Life - Life Insurance Review

Pacific Life - Life Insurance is an insurance carrier based in Omaha, NE. The company was founded in 1868 and offers life insurance in 50 states (and Washington, DC). Life insurance is important for anyone who has loved who depend on them financially. It can also help with final expenses and burial costs.

Pacific Life - Life Insurance FAQ

What types of life insurance coverage does Pacific Life - Life Insurance offer?

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

Here is a brief description of the coverage Pacific Life - Life Insurance offers.

  • Term Life Insurance - This is the simplest type of life insurance. It is 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 Insurance - These are term policies that have the same fixed premium and payment amount throughout the life of the policy.
  • Whole Life Insurance - Whole life insurance policies remain in force for the entire life of the policyholder provided premiums are paid.
  • Universal Life Insurance - This type of 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 - 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 - This type of universal life insurance allows policyholders to place the cash value of the policy in a fixed account or an equity index account, such as the S&P 500 or the Nasdaq 100.

As well as the basic coverage types mentioned above, Pacific Life - Life Insurance also offers the following policies:

  • Survivorship Life Insurance - This type of policy covers two individuals and pays a death benefit to a beneficiary after both have died.

How can you save money on a Pacific Life - Life Insurance life insurance policy?

When you ask for a quote with Pacific Life - Life Insurance, ask what policy discounts are available.

What is the financial strength rating of Pacific Life - Life Insurance?

The financial strength rating of a life insurance company scores its ability to pay contracts and policies.

Each agency has its own standards and rating scale and a company's rating can change any day. It's a good idea to check the financial rating of an insurance company before you purchase a policy.

There are five main rating agencies. SuperMoney's financial strength rating is based, among other factors, on the average score from available ratings.

Pacific Life - Life Insurance scores an A+, SuperMoney's highest available rating.

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 USA
  •   Visit Site

About Pacific Life - Life Insurance

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Financial Strength Rating A+
Life Insurance Features
  • No Medical Exam Policies
  • Business Continuity Assistance
  • Cash Value Loans
Term Length 10 - 30
Term Life Age Range 20 - 75
Term Options
  • Term Life
  • Level Term
Whole / Permanent Life Options
  • Whole Life (Traditional)
  • Universal Life
  • Universal (Variable)
  • Universal (Indexed)
Whole Life Age Range 0 - 80
Life Insurance Riders
  • Waiver of Premium Due to Illness / Disability
  • No-Lapse Guarantee
  • Accelerated Death Benefit (Critical or Chronic Illnesses)
  • Accelerated Death Benefit (Terminal Illnesses)
  • Term Conversion
  • Long-Term Care
  • Accidental Death or Dismemberment / Double Indemnity
  • Guaranteed Insurability / Renewability
  • Child Term Rider

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