Pacific Life Insurance Review 2026

The best life insurance company depends on your situation and financial needs.

• Young Adults and New Families: Pacific Life's term life insurance is good if you are under 40. Coverage starts at $50,000 with conversion privileges.
• High-Income Professionals: Indexed universal life and variable universal life policies support estate planning.
• Health-Conscious Buyers: The company's no-exam term life options expedite coverage.
• Long-Term Planners: Living benefit riders allow early access to death benefits during chronic or terminal illness.

Pacific Life’s buying experience centers on licensed financial professionals. Its whole life insurance offerings are also minimal compared with insurers that have traditional guaranteed-cash-value products.

Our Pacific Life insurance review reveals comprehensive product lines including different types of life insurance, including term, universal, indexed universal, variable universal and whole life policies.

Most Pacific Life term policies include conversion rights during the first 10 years or until age 65, whichever comes first, allowing you to change to permanent coverage without additional medical underwriting.

Rates shown reflect average quotes for applicants with average weight and health ratings. Your actual premiums may be higher or lower based on your age, health, lifestyle and coverage needs.

Rates shown reflect average quotes for applicants with average weight and health ratings. Your actual premiums may be higher or lower based on your age, health, lifestyle and coverage needs.

Rates shown reflect average quotes for applicants with average weight and health ratings. Your actual premiums may be higher or lower based on your age, health, lifestyle and coverage needs.

Rates shown reflect average quotes for applicants with average weight and health ratings. Your actual premiums may be higher or lower based on your age, health, lifestyle and coverage needs.

Pacific Life provides multiple riders to customize coverage for specific protection needs:

Rider availability varies by policy type and state regulations. Most riders require additional premiums beyond the base policy cost.

Pacific Life processes death benefit claims through its dedicated claims service center. This is the process:

1. Report the Death: Call Pacific Life at (800) 347-7787 (Monday through Friday, 6 a.m. to 5 p.m. Pacific Time) to notify them and start your claim.
2. Gather Required Documents: Request a certified death certificate from your local vital records office and locate the policy or policy number.
3. Choose Payout Option: Life insurance beneficiaries can receive death benefits as a direct deposit, mailed check or through structured settlement arrangements when larger amounts require careful tax considerations.
4. Complete Claim Forms: Download forms from Pacific Life's website or call to have them mailed to you. You'll fill out beneficiary verification and provide photo identification.
5. Submit Documentation: Mail everything to Pacific Life's claims processing center or upload documents through their electronic system.

With its strong financial ratings and wide range of products, Pacific Life stands as a reliable choice among major U.S. life insurers and deserves consideration for your coverage needs.

Our Pacific Life insurance review shows the company excels for young adults, high-income professionals and business owners seeking substantial term coverage with conversion flexibility. Compare Pacific Life with other highly rated insurers to determine whether its agent-based application process and specialized product focus align with your financial protection strategy.

MoneyGeek answered some frequently asked questions to help you determine whether Pacific Life is the right company for your coverage needs.

Choosing life insurance means committing to decades of premium payments, so you need confidence that you're getting competitive rates from a financially stable company. We designed this evaluation to answer the question most people ask: "Am I getting good value for what I'll pay?"

We weighted our analysis around the factors that actually affect your experience as a policyholder. 

Affordability accounts for 55% of our evaluation because your monthly premium is the most tangible ongoing cost. 

Customer experience represents 30% — claims processing speed and service accessibility matter when your family needs to file a claim. 

Coverage options make up the remaining 15% since Pacific Life's available policy types and riders determine whether they can meet your specific needs.

We requested quotes using a standard applicant profile: a 40-year-old male, nonsmoker, 5 feet 9 inches tall, 160 pounds with an average health rating. This profile represents a typical applicant who qualifies for standard rates, not the preferred rates marketed in advertisements, but what most people actually pay.

We collected quotes across multiple term lengths and coverage amounts, from basic financial protection to higher benefit levels. This range shows whether Pacific Life offers competitive pricing for a $250,000 policy to cover funeral costs and immediate expenses or if their rates remain reasonable when you need $1 million to replace decades of lost income.

Claims processing speed tells you how quickly your beneficiaries receive funds when they need them most. We evaluated service accessibility, including the hours you can reach a representative and which communication channels Pacific Life offers. Overall policyholder satisfaction reflects whether current customers would recommend Pacific Life based on their experience managing policies year after year.

We examined Pacific Life's available policy types, maximum benefit amounts, and optional riders. This shows whether they can accommodate your situation, from straightforward term coverage to permanent policies with cash value accumulation or specialized riders for chronic illness or disability.