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Life Insurance

We value our clients whether they bought a policy yesterday or decades ago.

  Your Promise is Our Commitment  
  • The service we provide and how we treat our policyowners over the long-term cements the relationships that are the foundation of our continued success.

A life insurance policy represents a commitment to the future.
The company you choose matters.

When you buy a life insurance policy, you are buying a promise that the company you choose will be there to fulfill that promise 10, 20, or even 50 years down the road. The policy represents the trust you put in that company to help you protect your family, your business, or your legacy.
At Pacific Life, doing the right thing for policyowners is part of our culture. To understand how a life insurance company will treat you over the many years of your life insurance contract, look at the company’s track record and ask “how does this company go above and beyond to serve the best interests of the policyowners?” 

Our history of passing policy improvements onto existing policyowners shows that we take the promise of a life insurance policy seriously and care about your financial goals whether you bought a policy decades ago or yesterday.


123 Inforce Life Insurance Policyowner Improvements since 1985. 7 Life Insurance Products benefiting from a "reduction in Deferred Acquisition Cost (DAC) adjustment".
27 Life Insurance Products with Cost of Insurance (COI) improvements. 6 Products received COI Improvements 2 or more times.
19 Life Insurance Products with the Premium Load Reduced Twice. 4 Life Insurance Products received an increase in the persistency credit.
10 Life Insurance Products Added Competitive Loan Provisions effectively reducing the current costs to access the policy's cash value through loans:
  • Since 2001, Competitive Loan Provisions are included on new products.
1 Life Insurance Product received a Reduced Surrender Charge.

Life Insurance Product reduced the Mortality & Expense Charge.


  Reductions in Current Cost of Insurance Rates   

 Effective Date

 Product Improved

 Effective Date

 Product Improved

  December, 1985 Versa Flex - Universal Life (UL)* January, 1999 Pacific Estate Preserver - UL*  
  January, 1987 Flex II - Whole Life (WL)* July, 1999 Flex VI - WL*  
  April, 1996 Pacific Estate Preserver (UL)* January, 2000 Custom COLI – VUL*
Pacific Select Exec - VUL*
Pacific Select Choice - VUL*
  June, 1996 Pacific Select Exec - Variable
Universal Life (VUL)*
April, 2001 Survivor Life- WL*  
  September, 1996 Pro 10 - Term Life*
Pro 100 - Term Life*
April, 2002 Pacific Select Exec II - VUL*
M's Versatile Product - VUL*
  June, 1998 Custom COLI – VUL* February 2010 M's Versatile Product – VUL*
M's Versatile Product 2004 – VUL*
  November, 1998 Versa Flex III - UL*
Versa Flex IV - UL*
Pacific Select Estate Preserver - VUL*
Pacific Select Estate Preserver II - VUL*
Pacific Protector - UL*
May, 2010 Pacific Select Exec - VUL*
Pacific Select Exec II - VUL*
Pacific Select Exec II 2004 - VUL*
      August 2011 Versa Flex III - UL* & Versa Flex IV - UL*  

Product no longer available for new sales.

*Pacific Life Insurance Company is the issuing company.

The Power to Help You Succeed



Pacific Life refers to Pacific Life Insurance Company and its affiliates, including Pacific Life & Annuity Company. Insurance products are issued by Pacific Life Insurance Company in all states except New York and in New York by Pacific Life & Annuity Company. Product availability and features may vary by state. Each insurance company is solely responsible for the financial obligations accruing under the products it issues. Insurance products and their guarantees, including optional benefits and any crediting rates, are backed by the financial strength and claims-paying ability of the issuing insurance company, but they do not protect the value of the variable investment options. Look to the strength of the life insurance company with regard to such guarantees as these guarantees are not backed by the broker-dealer, insurance agency or their affiliates from which products are purchased. Neither these entities nor their representatives make any representation or assurance regarding the claims-paying ability of the life insurance company. Variable insurance products are distributed by Pacific Select Distributors, LLC (member FINRA & SIPC), ), a subsidiary of Pacific Life Insurance Company, and an affiliate of Pacific Life & Annuity Company, and are available through licensed third-party broker-dealers.

Pacific Life Insurance Company, and an affiliate of Pacific Life & Annuity Company, and are available through licensed third-party broker-dealers.

Non-guaranteed elements are not guaranteed by definition. As such, Pacific Life reserves the right to change or modify any non-guaranteed element. This right to change non-guaranteed elements is not limited to a specific time or reason.

Pacific Life's individual life insurance products are marketed exclusively through independent third-party life insurance producers, which may include bank affilated entities. Some selling entities, which may include bank affiliated entities, may limit availability of some optional riders based on their client's age and other factors. Your life insurance producer can help you determine which optional riders are available and appropriate for you.

You should carefully consider a variable life insurance product’s risks, charges, limitations, and expenses, as well as the risks, charges, expenses and investment goals/objectives of the underlying investment options. This and other information about Pacific Life insurance products are provided in the applicable product and underlying fund prospectuses which are available from your life insurance producer or by clicking here. Read them carefully before investing or sending money.

Policy Form #s 84-10, 83-14, 94-15, 98-10, 98-ART, 92-54, 89-44, 92-45, 94-15, P04PE2, 93-60, 88-7P, 88-52, 93-55, 89-15, P98-52, P98-52M, P04MVP, P04SE2. 

Pacific Life's Home Office is located in Newport Beach, CA.