Pacific Life Insurance Review

In the field of universal life insurance, Pacific Life has been a pioneer for many years. It gives policyholders the option to add a wide range of riders to their coverage, but modern clients may want a more seamless digital experience. Our Pacific Life Insurance Review may assist you in your decision-making!

Pros and Cons of Pacific Life Insurance

Pacific Life Insurance Review - Pacific Life Insurance Logo


  • Universal life insurance is his area of expertise
  • Beneficial for people who have a history of medical problems.
  • The ability to pay


  • There aren’t any examples of this on the internet.
  • Online policy management is lacking.
  • Ex-smokers face higher premiums.

Pacific Life insurance rates

A 20-year term life insurance policy for a healthy individual has the following premiums to give you an indication of what to expect.

  • Age 20. Male $20.31, Female $17.00
  • Age 25. Male $20.31, Female $17.00
  • Age 30. Male $20.40, Female $17.72
  • Age 35. Male $21.59, Female $19.04
  • Age 40. Male $30.17, Female $25.50
  • Age 45. Male $50.06, Female $39.44
  • Age 50. Male $75.99, Female $56.74
  • Age 55. Male $121.46, Female $90.61
  • Age 60. Male $207.40, Female $145.01
  • Age 65. Male $394.74, Female $262.35

What affects my rate with Pacific Life?

There are no eligibility restrictions for Pacific Life’s preferred rates disclosed. Call Pacific Life now to find out more about your options for getting the lowest possible prices.

For the most part, you must be in excellent physical condition and satisfy the following requirements:

  • Smoking history that is either modest or nonexistent.
  • No prior history of alcoholism or drug addiction.
  • An unblemished medical history, both personal and familial.
  • A perfect driving record, with no DWIs, DUIs, suspensions, or other offenses on your record is required.
  • A normal blood pressure and BMI are good indicators of good health.
  • Hobbies and jobs with low levels of risk are best.

How to get a quote from Pacific Life insurance?

You’ll need to speak with a financial advisor if you want to sign up for insurance coverage. Use the Pacific Life website’s locating feature to discover one near you.

What types of life insurance coverage does Pacific Life offer?

Pacific Life specializes in universal life insurance, although it also offers term and permanent coverage.

  • Term life insurance. For terms of 10, 15, 20, 25, and 30 years, Pacific Life provides premiums that are either set or flexible, depending on your needs. A no medical exam insurance allows you to avoid the standard underwriting process entirely. If you’re not sure how long you’ll need coverage for, though, a yearly renewable term policy is an option.
  • Insurance for the rest of your life. The premiums on this insurance will remain the same for the rest of your life. A fixed rate established by the insurer creates monetary value as well.
  • Existence in all places and times. All three standard universal life insurance offered by the insurer have adjustable premiums and variable death payments.
  • The length of time that the universe will last is variable. A survivorship policy is one of the choices available. The cash worth of all policies is invested in a portfolio of subaccounts and the premiums and death payments are variable.
  • Universal life was cataloged and indexed. This policy’s cash value is based on the performance of an index, such as the S & P 500, therefore it has the greatest risk and reward potential.

What riders can I add to my policy?

The following riders may allow you to tailor your protection further:

  • Accelerated death benefit rider. If you’re diagnosed with a terminal disease, you’ll get a portion of your death benefit.
  • Rider for accidental death insurance. If you are killed in an accident, such as a vehicle accident, this policy provides an extra benefit to your beneficiaries.
  • Rider who is under the age of 18. Allows you to safeguard a youngster who lives with you.
  • Rider for conversions. Allows you to change a term life insurance policy to a permanent one before the expiration date.
  • Rider for critical sickness. A critical illness benefit that provides a lump sum payment in the event of a stroke.
  • Rider for disability income. A monthly payment is paid out in the event of disability, which prevents you from working.
  • Rider that ensures you’ll be insured no matter what happens. Allows you to get more insurance at future times without having to undergo a medical test.
  • An insurance policy covering long-term health care needs. Assisted-living and nursing facility expenses are included in this policy.
  • Rider with a spouse. If you or your spouse should pass away, this policy will provide a death benefit.
  • A rider for your homeowners insurance that covers things like dental and vision care. Extends your permanent policy’s coverage by providing additional insurance for a specific period of time.
  • Rider waiving premium fees. In the event of total disability, your insurance premiums are waived for up to six months.

Pacific Life insurance reviews and complaints

When it comes to client service and contact, Pacific Life has an A- rating from the Better Business Bureau (BBB). In the previous three years, the BBB has received just two complaints, both of which were swiftly handled by the insurance company. It’s worth mentioning that customers give the insurer a one-star rating out of five, which reflects the company’s overall performance and not just the life insurance division.

Pacific Life came in ninth place out of 22 insurers polled in the latest JD Power customer satisfaction research on life insurance. Three of the five circles were awarded, indicating overall satisfaction with the product. AM A+ is the highest possible financial rating.

Checkout our review of Ohio National Life Insurance Review for another life insurance review.

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Levi Jorgensen
Levi Jorgensen is a life-long explorer. When he's not writing about life insurance, he works as an appraiser of antiques. He's based in Columbus, Ohio with his wife and 2 children.
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