Life Insurance

Pacific Life Insurance Review

By Peter Mondrose Peter Mondrose is the Head of Insurance Content at Bankovia. He received his degree in Economics in 1998 and a second degree in Journalism in 2004 from the University of Chicago. Most recently he served as Head of Content at, and editor at 4 minute read

For many years, Pacific Life was a pioneer in the field of universal life insurance. Clients can select from a variety of extra riders, or for the more modern client, a fully integrated digital experience is available. For additional information, see Pacific Life Insurance Review.

Pros and Cons of Pacific Life Insurance


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  • Universal life insurance products are his area of expertise.
  • Individuals with a medical history will benefit from this change.
  • Individuals’ capacity to pay


  • There are no examples of this occurring on the internet.
  • There is a problem in online policy administration.
  • Ex-smokers face increased insurance premiums.

Pacific Life insurance rates

The pricing shown below is typical for a 20-year term life insurance policy in the United States for a healthy individual..

  • 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 limits on qualifying for Pacific Life’s preferred rates. Kindly call Pacific Life Insurance Company immediately to learn more about your premium options.

To be considered, you must be in excellent physical condition and satisfy all of the following conditions.

  • Cigarette smoking history is either non-existent or very brief.
  • There is no history of substance addiction or alcoholism in this individual.
  • Family medical histories and unblemished personal histories.
  • To get a driver’s license, you must have a clean driving record that is free of DWI, DUI, or suspension offenses.
  • Blood pressure and body mass index (BMI) measurements may both be used to ascertain an individual’s overall health.
  • The most pleasurable hobbies and careers are ones that do not involve a great deal of danger.

How to get a quote from Pacific Life insurance?

If you’re interested in purchasing insurance, the first step is to talk with a financial advisor. Locate a Pacific Life location in your region using the website’s location feature.

What types of life insurance coverage does Pacific Life offer?

Pacific Life, a universal coverage specialist, also offers term and permanent insurance products.

  • Term life insurance. Pacific Life offers both fixed and adjustable premiums for maturities of 10, 15, 20, 25, and 30 years. Obtaining insurance coverage without a medical examination may be possible outside of the standard underwriting process. Annual renewable term insurance is a viable alternative if you are certain of the length of time you will want coverage and the cost.
  • Insurance that lasts the rest of your days. Your insurance rates will remain constant throughout your life. Additionally, the insurer’s set rate provides a monetary equivalent.
  • Existence at all times and in all locations. Variable premiums and death benefits are basic features on all three of the insurer’s standard universal life insurance plans, which are available in a variety of sizes.
  • The length of time that the cosmos will last is subject to change. Survivorship insurance is one of the alternatives available to you. The insurance firm retains the cash value of the contract in subaccounts, and both the premiums and death payments are volatile.
  • The whole history of life on Earth has been cataloged and catalogued. As a result, the cash value of this insurance is determined by the performance of an index such as the S&P 500, making it the riskiest and most rewarding insurance policy available.

What riders can I add to my policy?

You may be able to fine-tune your protection even more with the riders mentioned below:

  • Riders gain from accelerated death. An individual must have been diagnosed with a terminal condition in order to be eligible for this benefit.
  • Accidental death insurance is a supplemental policy. Assume you are killed in an accident, for example, and your beneficiaries receive additional money under this policy.
  • Under the age of 18, children are not permitted to ride. To safeguard a small youngster that lives with you.
  • Conversion rider. This option allows you to transfer your term life insurance policy to a permanent one prior to the term insurance policy expiring.
  • In the case of an emergency, the rider. In the case of a stroke, the insurance company will provide a one-time payment equal to the policy’s face value.
  • As an add-on, supplemental disability income is offered. If your handicap prevents you from working, you will get a monthly stipend.
  • In the event of an accident, you may be assured that the Rider will protect you. The prospect of acquiring supplementary insurance without the requirement of undergoing a medical checkup is being investigated.
  • A type of health insurance that covers the costs of long-term care. This policy covers the costs of assisted living and nursing home care.
  • Riders are joined by their spouses. If you or your spouse dies, this policy’s death benefit is paid.
  • You may add a rider to your homeowners insurance policy that will cover dental and eye treatment. Insurance coverage for a certain period of time that is meant to enhance your permanent policy’s coverage.
  • At the moment, riders are not required to pay any premiums. Insurance premiums are waived for up to six months following a determination of complete disability.

Pacific Life insurance reviews and complaints

Pacific Life has earned an A- rating from the Better Business Bureau for their superior customer service and communication (BBB). The Better Business Bureau received just two complaints in the preceding three years, both of which were quickly addressed by the insurance business. It’s worth noting that a one-star rating out of five represents the insurer’s overall performance, not only its success in the life insurance market, which needs special attention.

Pacific Life was placed ninth out of 22 insurers in the most recent JD Power customer satisfaction report for life insurance, ranking it ninth overall. Three of the five circles have been awarded, indicating that the product in issue has a high degree of consumer satisfaction. AM Best A+ is the highest possible credit rating.

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