February, 25 2018


Life insurance reviews, news and prices from the top companies

Pacific Life Insurance Company Review

Pacific Life Insurance Company Review

  • Price
  • Underwriting
  • Financial Strength

Pacific Life Insurance Company Review

Pros: Financial Rating- Pacific Life is highly rated as having received an A+ (Superior) grade from the preeminent rating agency A.M. Best. Prices- Pacific Life has some of the lowest rates in the nation in many categories including smoker/tobacco users.  Sales of permanent products- Pacific Life was #1 in indexed universal life insurance (IUL) sales in 2010-2012.

Cons: There aren’t too many cons with Pacific Life currently.

Bottom Line: Pacific Life is a top tier life insurance company with a long stable tradition of more than 140 years.  Today they are one of the nation’s largest insurance companies and ranked on the Fortune 500 list at 369th largest corporation in America.  They are dominant in the indexed universal life insurance space and highly ranked for variable universal life insurance as well.  Also, their term life insurance rates are right up there as being the lowest in the nation, including for smokers. (See the price comparison chart below)  If you are in the market for life insurance than Pacific Life is defiantly a company to take a look at in 2016.


Type: Mutual Holding Company

Issued by: Pacific Life Insurance Company

Founded: 1868

Website: www.pacificlife.com

Phone: (800) 800-7646

8:00 a.m. to 5:00 p.m. Pst

Address: 700 Newport Center Drive, Newport Beach, CA 92660-6397

A.M Best Rating 2016: A+ (Superior) Second highest of 16 possible ratings

Comdex Ranking: 87 out of 100

BBB Rating: A+

Competitors: New York Life, Northwestern Mutual, Mass Mutual, John Hancock, Principal, State Farm, Allstate, Ohio National Life, AIG, Banner Life, Protective Life, Primerica, State Farm, USAA, Genworth Life, OneAmerica, North American Co, Lincoln National Life, ING-ReliaStar, Transamerica, Prudential.

Price Comparison Chart

Sample rates for a male in each company’s best health class for $500,000 on a 20-year level term:

AgePacific LifeProtective LifeBanner LifeMetLife


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Pacific Life Insurance Company
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