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Pacific Life

Pacific Life Term Life Insurance Overview

Pacific Life excels at insuring people actively serving in the military. We love their corporate giving program that protects oceans and marine life.

Pacific Life Customer Service: (844) 276-0193

Why Quotacy?

Save time and money. Let us do your comparison shopping.

More policy options

Quotacy is an independent life insurance broker. We sell policies from the nation's most trusted insurers. By using our quoting tool, you'll get multiple term life options from the best life insurance companies in minutes.

Get what's right for you

Our agents match you with the right company for your health and lifestyle—so you get the best life insurance for you. This is part of our free service as a life insurance broker.

We're transparent

We value transparency as much as you do. Everything we know about life insurance, we'll share with you so you're making informed decisions from quote to covered.

Spend less time shopping

No matter where you buy your policy, you'll pay the same rates. Pricing for life insurance is regulated by government. Don't waste time talking with multiple agents, use our free online comparison shopping tool to get your quotes.

Our focus is on you

As a life insurance broker, our focus is on finding you the best policy for your needs. Quotacy's agents work on salary, not commission—so, we're at your service.

We're experienced

We've been in the life insurance industry since 1990, and have helped our customers protect their families with over $37 billion in coverage. That's a lot of happy customers.

Pacific Life Company Overview


Newport Beach, CA





Value of In Force Life Insurance

$800 billion


Newport Beach, CA





Value of In Force Life Insurance

$800 billion

Pacific Life Ratings & Awards

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A.M. Best Better Business Bureau J.D. Power Moody’s Standard & Poor’s
A+ A+ 808 A1 AA-

A.M. Best is an independent rating agency that ranks the financial strength of life insurance companies. Their best rating is an A++. Their worst is a D.

Better Business Bureau (BBB) is a non-profit that shares customer service feedback on businesses in the USA. BBB assigns ratings from A+ (highest) to F (lowest).

J.D. Power and Associates analyzes customers’ experiences with life insurance companies and ranks them on a scale from 1 to 1000.

Moody’s Investors Service is a leading provider of credit ratings, research, and risk analysis. Moody’s rating scale ranges from Aaa to C with 1, 2, and 3 to indicate whether the ranking is on the higher or lower end of that category.

Standard and Poor’s (S&P) is the world’s leading provider of credit ratings and creditworthiness. S&P’s scale ranges from AAA to D with + or – to define standing within each category.

ethisphere logo

Pacific Life was honored as one of the World’s Most Ethical Companies by the Ethisphere Institute in 2018.

dalbar logo

Pacific Life was named a Service Award Winner in the category of life insurance by DALBAR in 2017.

To stand out in a competitive industry, most insurers focus on serving health or lifestyle niches.

Pacific Life is excellent for:

  • Active Military
  • Foreign Travel
  • Healthy Individuals

Pacific Life excels at insuring people actively serving in the military. We love their corporate giving program that protects oceans and marine life.

Pacific Life Comparison Quotes

Pacific Life Promise Term

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Company Male Female
Age 30 Age 40 Age 50 Age 60 Age 70 Age 30 Age 40 Age 50 Age 60 Age 70

Cincinnati Life

$23.32 $33.00 $81.40 $245.52 N/A $19.80 $28.60 $65.12 $183.92 N/A


$18.99 $28.72 $69.93 $203.22 $851.76 $16.03 $24.08 $54.92 $141.38 $701.00


$23.95 $32.50 $76.10 $230.85 N/A $20.95 $29.95 $60.75 $162.05 N/A

John Hancock

$27.71 $32.11 $74.56 $208.06 N/A $25.06 $28.31 $64.51 $170.11 N/A

Lincoln Financial

$27.94 $39.03 $77.35 $203.11 $799.59 $23.50 $30.70 $58.43 $143.90 $705.59

Pacific Life

$19.10 $28.87 $70.33 $200.75 N/A $16.12 $24.18 $54.89 $142.21 N/A


$19.77 $29.39 $72.04 $203.13 N/A $16.76 $24.82 $56.09 $143.91 N/A


$19.08 $28.45 $70.30 $200.73 $790.32 $16.11 $24.16 $54.86 $142.18 $697.36


$34.56 $43.75 $89.25 $273.88 N/A $28.00 $40.25 $77.88 $187.69 N/A

Securian Financial

$22.42 $31.18 $87.12 $235.40 N/A $18.48 $26.84 $62.04 $153.12 N/A


$19.87 $31.30 $83.33 $274.74 N/A $17.05 $24.62 $60.41 $165.73 N/A


$19.09 $28.46 $70.31 $200.74 N/A $16.11 $24.17 $54.86 $142.20 N/A

United of Omaha

$23.87 $37.20 $92.67 $273.70 N/A $20.43 $31.61 $69.02 $189.42 N/A

US Life

$20.70 $32.75 $76.55 $230.45 $924.25 $17.47 $27.68 $67.43 $161.32 $699.89

Sample monthly premium quotes for a $500,000, 20-year term policy for healthy, non-smoking individuals living in Minnesota. Pricing varies by gender. Women pay less for life insurance than men because they live longer on average.

Your life insurance pricing may be different and is determined by your individual risk factors and the state where you have your primary residence. Pricing as of September 2022.

See what you’d pay for life insurance

Comparison shop prices on custom coverage amounts from the nation’s top carriers with Quotacy.

Pacific Life Features & Benefits

What we like

  • Offers a 25-year term policy.
  • Can be converted into a permanent policy.
  • Includes Accelerated Death Benefit Rider at no charge.
  • Your medical exam can be done at home or work.
  • Policy delivered electronically.
  • You can review your medical exam results upon request.
  • You can manage your policy online.

What could be better

  • Does not offer an Accidental Death Benefit Rider.
  • Every applicant must get a medical exam.
  • Credit card payments are not accepted after initial payment.

Pacific Life Policy Details

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PL Promise Term
Guaranteed level premiums? Yes
Term lengths available: 10, 15, 20, 25, 30*
Premiums returned at end of term? No
Riders available: Accelerated Death Benefit, Premium Waiver for Disability, Child Rider
Accumulates cash value? No
Policy loans available? No
Minimum issue age: 18
Maximum issue age: 80
Minimum face amount: $50,000
Missed payment grace period: 31 days**

*10-year term available for ages 18-80; 15-year term available for ages 18-75 (tobacco users ages 18-70); 20-year term available for ages 18-65; 25-year term available for ages 18-60 (tobacco users ages 18-55); 30-year term available for ages 18-55 (tobacco users ages 18-50).

**State of issue, payment mode, and draft date can all impact the grace period end date. Your policy will state specifics.

» Compare: Term life insurance quotes

Pacific Life Riders

Increase your policy’s benefits with riders

Accelerated Death Benefit Rider


This rider is included in your policy at no charge. It 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.

Child Rider

*Available at additional cost

For $55 per year, add a child rider that covers your children under age 18 up to $10,000. Ask your Quotacy agent for details.

Premium Waiver for Disability

*Available at additional cost

Pacific Life will waive premium payments during a period of total disability lasting six consecutive months or more. The waived payments don’t have to be paid back. This rider is not available on all policies and the cost varies by age.

Pacific Life Policy Service


  • Customer Service: (844) 276-0193
  • Fax: (949) 219-8811

Hours: Monday-Friday, 8:00 AM-7:00 PM Central

Payment Mailing Address

Pacific Life Insurance Company
PO Box 42001
Lynchburg, VA 24506

Manage your policy online

  1. Visit https://www.pacificlife.com.
  2. Click on Login in the top right corner.
  3. Choose Life Insurance from the drop-down menu.
  4. Under First Time User click Register.
  5. Proceed in filling in your personal and policy information.
  6. Click Find My Policy.

What you can do online

  • View your policy and download a copy.
  • Access policy change forms.
  • Update billing and contact information.

The Fine Print

Guidelines & Exclusions

Term Conversion
  • You can convert into a permanent policy at any time during the term until age 70—whichever is earlier.
  • Partial conversions are allowed.
Premium Waiver for Disability Rider
  • Waiver terminates at age 65.
  • Rider not available if you are rated Table 5 or higher.
  • Rider not available if death benefit is over $5,000,000.
Accelerated Death Benefit Rider
  • You can accelerate up to 75% of the death benefit—not to exceed $100,000.
  • Processing fee is $250 when death benefit payout is accelerated.
Child Rider
  • Newborn child covered when 15 days old.
  • Rider is not available if you are rated Table 5 or higher.
  • Maximum coverage amount is $10,000 per policy with a total of $20,000 per child for all policies with Pacific Life.

Updated: September 2022

More term life insurance reviews

We recommend without hesitation every company reviewed on Quotacy. When you comparison shop, the death benefit amount that your loved ones would receive and the cost of the policy are the most important factors to consider. If you have any questions about the best life insurance companies for you, contact Quotacy. We'll gladly help you evaluate your life insurance options.