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Pacific Life Life Insurance Review

Best known for indexed universal life. Here's who Pacific Life fits, and how it stacks up against 40+ other A-rated carriers we quote.

About Pacific Life

In business since 1868, Pacific Life is a leader in cash-value life insurance, and its indexed universal life products are frequently used for tax-advantaged retirement strategies.

Who Pacific Life tends to fit

Every carrier has an underwriting sweet spot. Pacific Life is frequently competitive for shoppers prioritizing indexed universal life, but the only way to know if it's your best option is to compare it against the rest of the market. Rates for the same applicant routinely vary 40% or more between A-rated insurers, and the carrier that's cheapest for your neighbor may not be cheapest for you.

How we're different: we don't work for Pacific Life or any other carrier. As an independent brokerage, we quote Pacific Life alongside 40+ competitors and show you the comparison, with no incentive to push one over another.

How to get Pacific Life's best rate

Apply through an independent broker who can pre-shop your health profile. If Pacific Life isn't the winner for your age and health class, we'll show you who is. Start with a free 60-second quote or read our guides on term vs. whole life and how much coverage you need.

Other carriers we compare

Banner Life · Protective Life · Mutual of Omaha · Transamerica · Corebridge Financial · Prudential · See all carriers

Valor Family Insurance is not affiliated with, endorsed by, or sponsored by Pacific Life. Trademarks belong to their owners and are used for identification only. Product availability, features, and financial strength ratings change; confirm current details with your advisor.

See Pacific Life rates next to 40+ competitors.

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