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When you shop for life insurance through Quotacy, you have access to the country’s top-rated life insurance companies. Is Pacific Life the right term life insurance company for you? In this video, we review Pacific Life to help you make an informed buying decision.

Video Transcript

Hey everyone we’re Jeanna and Natasha and we work at Quotacy.

Quotacy is an independent life insurance broker this means we have the ability to sell policies from multiple life insurance companies giving you more options.

Today we’re going to give a review of Pacific Life one of the life insurance companies we work with. Pacific Life is an American company headquartered in Newport Beach, California and has been around since 1868.

Overall, Pacific Life is a great company that excels at insuring people actively serving in the military. We also love their corporate giving program that helps to protect oceans and marine life.

Quotacy only works with top-rated life insurance companies which means they are A rated or better and Pacific Life is no exception. Being A rated or better means the company is financially secure so you won’t have to worry about your policy’s death benefit not being paid.

To stand out in the competitive life insurance industry, some companies cater to different health or lifestyle niches. Pacific Life is excellent for active military members and foreign travel. This means that while some companies may see these particular factors as higher risk than normal Pacific Life is a bit more lenient.

Let’s talk about what we like in regards to Pacific Life’s policies and buying process. Pacific Life’s level term product is called PL Promise and is sold in term lengths of 10, 15, 20, 25, and 30 years. The smallest amount of term life insurance you can purchase is $50,000.

Overall, Pacific Life is a great company that excels at insuring people actively serving in the military. We also love their corporate giving program that helps to protect oceans and marine life.

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And depending on the life insurance product, there will be different policy riders available. Life insurance policy riders are additional benefits that you can add onto your policy at the time of purchase. Pacific Life’s term policy offers an accelerated death benefit rider, premium waiver for disability rider, and a child rider.

Let’s break these down.

An accelerated death benefit rider is included in Pacific Life term policies at no charge. This rider gives you access to a portion of your policy’s death benefit if you are diagnosed with a terminal illness resulting in 12 months or less to live.

A premium waiver for disability rider is available on Pacific Life term policies for an additional cost. With this rider, Pacific Life will waive your premium payments during a period of total disability lasting six consecutive months or more.

A child rider is available on Pacific Life term policies for an additional cost. For as little as $55 per year, a child rider provides $10,000 in life insurance coverage on all of your children less than 18 years of age. It would also include any future children you may have or adopt.

If you’re looking for life insurance, Pacific Life is a good option. If you’re an active military member or do a lot of foreign travel, then Pacific Life is a great option.

When you apply through Quotacy, we will review your application to double-check that you’ve chosen to apply with a company that will give you the most favorable outcome. The choice is of course 100% your decision. We simply aim to be completely transparent and make sure you know all of your options.

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If you’re interested in any of the riders we mentioned, let your Quotacy agent know after you apply. They’ll let you know the exact cost of any rider you want to purchase and can add it to your policy during the buying process. Quotacy can help you get life insurance from Pacific Life or any other of the top-rated life insurance companies we work with.

And why should you get life insurance through Quotacy?

Our agents are licensed in all 50 states and they work on salary, not commission, so we’ll never try and upsell you. We work for you, not the insurance companies. You won’t pay any extra fees or charges to use our services.

Get a free, instant term life insurance quote now from multiple top-rated life insurance companies without giving away any contact information. Bye!

About the writer

Headshot of Natasha Cornelius, a life insurance writer, for Quotacy, Inc.

Natasha Cornelius

Writer, Editor, and Co-host of Quotacy's Q&A Fridays

Natasha is the content manager and editor for Quotacy. She has been in the life insurance industry since 2010 and has been making life insurance easier to understand with her writing since 2014. When not at work, she's probably studying and working toward her Chartered Life Underwriter (CLU) designation while throwing a tennis ball for her pitbull mix, Emmett, or curled up on her couch watching Netflix. If it’s football season, the Packers game will be on. Connect with her on LinkedIn.