Pacific Life Insurance Company is a mutual holding company insurer founded in 1868 and headquartered in Newport Beach, California. Pacific Life is consistently ranked among the best life insurance carriers for both pricing and customer satisfaction, and offers one of the strongest accelerated underwriting programs in the industry.
AM Best Rating: A+ (Superior)
Pacific Life carries an A+ (Superior) rating from AM Best, reflecting outstanding financial strength built over 155+ years of operation as one of America’s most stable life insurers.
Term Life Insurance
Pacific Life’s term products are consistently among the most competitively priced in the market. Their PL Promise Term is available in 10, 15, 20, 25, and 30-year durations with strong pricing for ages 25–65.
Accelerated Underwriting
Pacific Life offers exam-free coverage up to $3 million for qualifying applicants ages 18–60 through their accelerated underwriting program — one of the highest no-exam limits in the industry.
Indexed Universal Life (IUL)
Pacific Life is a top-tier IUL carrier with multiple indexed strategies, competitive cap rates, and a strong track record of performance. Frequently used for executive benefit strategies and supplemental retirement income.
Guaranteed Universal Life (GUL)
Pacific Life’s GUL products provide lifetime death benefit guarantees at competitive premiums — a cost-effective permanent coverage solution for clients who primarily need a death benefit rather than cash accumulation.
Best For
Healthy applicants ages 25–60 seeking aggressive term pricing; clients wanting high no-exam limits ($3M); buyers comparing IUL or GUL products for permanent coverage needs.
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