InsuredBetter's Pacific Life Final Score
4 Stars
Pacific Life insurance company was founded in 1868, giving the carrier well over a century of experience in the industry. The carrier’s headquarters is in Newport Beach, California, but coverage is available nationwide. Pacific Life offers a variety of life insurance products, as well as annuities and employee benefits.
The carrier has received good financial strength ratings from several organizations, including "AA-" from S&P Global, "A+" from AM Best, "Aa3" from Moody's, and "AA-" from Fitch. Because of its high ratings, nationwide reach, and extremely long-standing history, Pacific Life has developed a reputation as a financially stable insurance company with a positive outlook for the future.
We award Pacific Life Insurance a final rating of four out of five stars. The carrier has been around for more than 150 years, which is both noteworthy and impressive. With high ratings from AM and other institutions, Pacific Life has clearly demonstrated strong financial stability.
The carrier offers several forms of life insurance coverage, annuities, and employee benefits across the nation. Given the types of products that Pacific Life offers, a typical "claims process" and the option for online claim filing don't necessarily apply. Rather, the company offers a variety of customer service options depending on the product, and life insurance customers and certain employee benefits customers can initiate a claim online.
Most services are available through Pacific Life's online portal, and all of the customer service contact information is presented clearly and concisely on the carrier's website.
We recommend working with a local independent insurance agent to review Pacific Life's offerings and determine if it's the right carrier for your needs.
Key Takeaways - Pacific Life Insurance Company Review 2026
- Pacific Life insurance company was founded in 1868, giving the carrier well over a century of experience.
- Pacific Life offers a variety of life insurance products, as well as annuities and employee benefits.
- The carrier has received strong financial strength ratings from multiple organizations, including an “A+ (Superior)” from AM Best.
- Pacific Life's website is user-friendly and provides a lot of information about the company's products and customer service options.
Pacific Life Pros and Cons
| Pros: | Cons: |
|---|---|
More than 150 years of experience in the insurance industry
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No official claims response time frame promise
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Strong financial strength ratings
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Detailed claims information not available
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Offers several forms of life insurance
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Some negative customer reviews
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Offers flexible premium options
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No online quotes
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Offers online claims initiation and online bill pay
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Pacific Life Products
Pacific Life specializes in life insurance and annuities. Its coverage offerings include:
- Variable universal life insurance
- Life insurance with long-term care benefits
- Term life insurance
- Whole life insurance
- Universal life insurance
- Annuities
- Employee benefits
What Discounts Does Pacific Life Offer?
While Pacific Life does not make information about specific discounts readily available, most life insurance companies today offer several ways to save on your premiums.
Your independent insurance agent can help you find more information on discounts or savings opportunities offered by Pacific Life.
Pacific Life Customer Service
Pacific Life offers one phone line for all general customer inquiries. The carrier provides the following customer service options:
- Online claims reporting (for certain products)
- Phone contact and availability varies by product, outlined on website
- General inquiries phone contact: (800) 800-7646
| Days | Hours (PST) |
| Monday-Friday | 8 am-5 pm |
The best way to ensure a smooth customer service experience is by working with an independent insurance agent. These agents can help make customer service easier for you by handling claims and other concerns.
Pacific Life FAQs
What is Pacific Life's average claims response time frame?
Pacific Life does not provide a specific claims response time frame promise. The carrier allows customers to file claims online or by phone.
What is Pacific Life's customer service availability?
Pacific Life has one phone line for general customer service inquiries and separate phone lines for the various product lines and departments. The phone line for general customer service inquiries is available at restricted hours, Monday-Friday.
What is Pacific Life's claims process?
Pacific Life provides phone and online claims reporting services, but does not list any further information about its claims process on the public website. Given the type of products Pacific Life specializes in, a typical claims process usually won't apply and will vary significantly by the type of product.
Does Pacific Life create a user-friendly experience for customers?
Pacific Life's online presence is mostly user-friendly. While the website offers a lot of information about its products and service options, it could be better laid out and easier to use. In some cases, there may be too much going on rather than too little.
Overall, the company does a good job of providing information and directing customers where to go for help.
Does Pacific Life have good life insurance?
Pacific has good life insurance. For example, its variable universal life insurance policies come with the following perks:
- Flexible premiums
- Variable investment options
- Guaranteed minimum interest crediting rate options
Your independent insurance agent can help you find out more about Pacific Life’s variable universal life insurance policies, as well as its other products.
Is Pacific Life a good insurance company?
Yes, Pacific Life is a good insurance company. It receives high ratings from AM Best and other ratings agencies, indicating the company is financially stable, well-positioned for the future, and able to pay out claims. It has a long history and its expertise and longevity indicate a reputable company with good products that stand the test of time.
In the past, customer reviews have been mixed, but for a carrier of its size, they are not excessive.
Sources
https://www.pacificlife.com/home/employers.html
