Pacific Life Insurance Company Reviews

Pacific Life Insurance Company Reviews

Pacific Life Insurance Reviews– At Life Insurance Blog, we try to always provide our readers with the most accurate information for shoppers looking to find excellent life insurance.  We’ve reviewed the top life insurance companies in the USA and provide our years of experience to help you make sound decisions for your life insurance needs.

Which company to buy your life insurance policy from is a very important and very serious step, so it’s imperative you are provided with the very best information about carriers and products that require a medical exam vs no exam life insurance.

Pacific Life Insurance Review

Every day, countless numbers of people are looking for ways to protect their family and loved ones and that includes finding the best match for your life insurance requirements.  Maybe you have found some policies that interest you but you are still not ready to make a commitment. Today, we are going introduce you to Pacific Life Insurance so you can decide if this company has what it takes to get your business.

We believe that you should be given as much information as possible before choosing a life insurance policy for your family.  Pacific life insurance is a leading carrier in the insurance industry so let’s see what they have to offer.

About Pacific Life

Pacific Life Insurance has been around since 1868 and is an insurance company based out of California.  Considering they have been around for 150 years, you should definitely take a closer look and consider them a top carrier.

Pacific Life Insurance Company ReviewPacific Life is a mutual holding company which means they operate for the sole benefit of their members, the policyholders.  In comparison to stock companies that must look after the best interest of the stockholders which often times causes a conflict of interest of the policyholders, that’s not the case here.

After all these years, Pacific Life has an excellent reputation within the industry and is considered an industry leader that is currently ranking in the number one spot nationwide.  They offer some of the finest indexed universal and universal life insurance policies within the industry.

Pacific Life Insurance Advantages

Pacific Life has many aspects that are very positive so when considering this insurance company, one of the first things you should look at is their Rating from the leading agencies within the industry.

Pacific Life Insurance Ratings

There are several leading agencies whose sole purpose is to analyze the financial strengths and future projections of life insurance companies.  A.M. Best Company is considered the most influential and important rating agencies.  After analyzing and reviewing Pacific Life, they have rated this insurance company with an A+.  Out of 16 ratings, this is the second highest rating a company can be awarded.  This rating clearly shows that A.M. Best is very confident that Pacific Life has what it takes to offer excellent life insurance policies to their clients. 

Here’s the rundown:

  • A.M. Best rates Pacific Life with an A+ which is Superior
  • Fitch rates Pacific Life with an A+ which is Very Strong
  • Moody’s rates Pacific Life with an A1 which is Good
  • Standard & Poor’s rates Pacific Life with an AA- which is Very Strong
  • They have a Comdex ranking of 90 out of 100

When each of these leading rating agencies awards a company, like Pacific Life, this high a rating they are also showing they are confident the company’s stable financial outlook is excellent.  Each one has unanimously given a vote of confidence in Pacific Life as a solid insurance company.  This should reassure that while looking for a life insurance policy, you will not go wrong choosing Pacific Life.

Pacific Life Insurance Quote

Use our free instant life insurance calculator located on this page and compare quotes from dozens of the top life insurance companies in the USA. You can also visit our best life insurance quotes page to compare rates.

Smokers and Pacific Life

If you are a smoker, you should look very closely at Pacific Life!  Pacific Life is one of the best and most affordable life insurance companies for smokers.  All life insurance companies will cater to a certain niche within the industry so it’s really important you consider what each company has to offer.   It’s really important that you are aligned with the best insurance company before signing on the dotted line.  Comparison shopping will help you find the best life insurance rates that fit your requirements and your lifestyle.

Pacific’s 5 Kinds Of Life Insurance Policies

Across the board, there are 2 kinds of life insurance policies, Permanent Life Insurance and Term Life Insurance.  That said, Pacific Life has various products available in both groups.

Pacific Life Insurance offers 5 kinds of life insurance policies as follows:

Pacific Life Term Life Insurance

With Pacific Life Promise Term life insurance, you can choose the length of time 10, 15, 20, 25, or 30 year term.  The policy guarantees payment of the death benefits during that time frame.  There is a great deal of flexibility at the end of the term, you can either renew the policy, change over to a permanent policy or just terminate it.

Universal Life Insurance

Universal life is a permanent policy that offers investment savings and low premiums.  Universal offers flexible options but some require a single premium or fixed premium. One of the most popular products is called a Guaranteed Universal Life insurance policy. It provides lifetime coverage at affordable rates.

Index Universal Life Insurance

Indexed universal life allows the holder to allocate cash value amounts to a fixed account or an equity index account.  It also offers tax-deferred cash amounts for retirement while still having the death benefits.

Pacific Life has one of the best reputations for their indexed universal life insurance policies. They have continually been ranked as number one in their sales of indexed universal life many times over. 

Pacific Life IUL products

  • Pacific Indexed Accumulator 5
  • Indexed Pacific Estate Preserver 2
  • Pacific Discovery Xelerator IUL
  • Pacific Indexed Performer LT2
  • Pacific Indexed Protector 2

Variable Universal Life Insurance

Variable life is a kind of permanent life insurance.  It offers death benefits and accrues cash value on a tax-deferred basis.  There is greater flexibility in the premiums, investments, and death benefits. However, we don’t recommend VUL coverage for the average life insurance shopper. Variable Universal Life is a very complicated product and very risky based on the way it is managed and maintained.

Long-Term Care

With Pacific Life Long Term Care insurance, you’re buying coverage that covers expenses for in-home care.  There are hybrid policies that offer long-term care and life insurance. In some cases, you are allowed to tap into the benefit to pay for health care.

Term Life Insurance is extremely popular and a great way to handle your money.  You are allowed to get more coverage if you have a significant mortgage on your home, to protect the wage earner or possibly a small business loan.

Another kind of term life insurance is Level-Premium Life Insurance.  The premium remains the same throughout the life of the policy.  The amount you pay on the premium is higher during the beginning of this policy then drops toward the end.

A Very Affordable Product

Many people searching for life insurance have found that Pacific Life offers a very affordable product.  If you are 45 years of age or younger, this is an excellent policy for you.

Pacific Life Insurance Company

Name(s): Pacific Life Insurance Company; Pacific Life Insurance Co; Pacific Life and Annuity Company; Pacific Life and Annuity Company (NY)


700 Newport Center Drive
Newport Beach, CA 92660

Phone: 800-347-7787

Ratings:  A.M. Best (A+), Moody’s (A1), Fitch (A+), Standard & Poor’s (AA-)


Is Pacific Life the best life insurance company for me?

As you can see, there are so many different life insurance companies within the industry and careful research is the only way you will ensure you are getting the best policy for your loved ones and yourself.  Pacific Life Insurance is an excellent company and has shown over their many years of existence to provide their policyholders excellent products to choose from.

Is Pacific Life one of the best life insurance companies for you?

It’s impossible to know without factoring in the major variables that companies use for underwriting. Not all insurance companies are the same and not all insurance companies offer the same rates or products. Some companies are better if you have a preexisting health condition like diabetes. While some companies are a horrible choice for diabetes.

If you are confused about all the life insurance types that are available or do not have a clear understanding on the different policies, we highly recommend that you get with a qualified, experienced independent agent like Life Insurance Blog to sift through and find the best options for you.

Pacific Life Insurance Company Reviews

We hope this information, regarding Pacific Life Insurance, has given you another company to consider before making your final choice for life insurance to protect your family and yourself.  If you would like further information on the different policies Pacific Life offers, life insurance riders or payout amounts– please give us a call at 888-411-1329.  We will be more than happy to help you decide what would work best for you.

Thanks for reading our Pacific Life Insurance Company reviews. To learn more about life insurance, make sure to visit our page Life Insurance 101 or find out how much you may end up paying for coverage on our Life Insurance Rates by Age page.

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Michael Quinn

Michael Quinn

Michael is owner & life insurance expert at Life Insurance Blog where we've helped thousands of shoppers learn and secure affordable life insurance online.
Simple way to compare and buy life insurance

The Simple way to compare and buy life insurance