Discover financial solutions that protect your future and provide peace of mind. Whether you're exploring annuities, life insurance, or understanding employee benefits through your workplace, Pacific Life offers resources and products designed to meet your personal and family goals.

Support your workforce with innovative employee benefits and retirement solutions. Pacific Life partners with business owners, benefits administrators, and pension fund managers to create customized programs that attract and retain top talent while securing their financial future.

Simplify complex retirement and pension risk management with our tailored solutions for large organizations. Pacific Life specializes in working with institutions to address their unique challenges, offering expertise in pension de-risking and strategic retirement planning for a more secure future.

Empower your clients with confidence by leveraging Pacific Life’s comprehensive portfolio of financial products. From annuities to life insurance, we provide the tools, resources, and support to help financial advisors and brokers deliver exceptional value and long-term results.

  • Individuals

    Discover financial solutions that protect your future and provide peace of mind. Whether you're exploring annuities, life insurance, or understanding employee benefits through your workplace, Pacific Life offers resources and products designed to meet your personal and family goals.

  • Employers

    Support your workforce with innovative employee benefits and retirement solutions. Pacific Life partners with business owners, benefits administrators, and pension fund managers to create customized programs that attract and retain top talent while securing their financial future.

  • Institutions

    Simplify complex retirement and pension risk management with our tailored solutions for large organizations. Pacific Life specializes in working with institutions to address their unique challenges, offering expertise in pension de-risking and strategic retirement planning for a more secure future.

  • Financial Professionals & Brokers

    Empower your clients with confidence by leveraging Pacific Life’s comprehensive portfolio of financial products. From annuities to life insurance, we provide the tools, resources, and support to help financial advisors and brokers deliver exceptional value and long-term results.

2025 ANNUAL HIGHLIGHTS AND ACHIEVEMENTS

Letter to Members

For nearly 160 years, Pacific Life has existed for one enduring reason: to provide Confidence for Generations. In a world defined by change and uncertainty, that purpose anchors who we are, shapes how we anticipate and meet customer needs and guides every promise we make.

In 2025, Pacific Life delivered on those promises with clarity and conviction. We achieved record results, expanded into new markets and invested in the capabilities that will support our customers and policyholders for decades to come. We delivered $25 billion in promised benefits, fulfilling our commitment to serve individuals, families and institutions across every stage of the financial lifecycle.

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Achievements

Consumer Markets
  • Protected more than 1 million customers by empowering families, individuals and businesses with dependable financial security
  • Strengthened our product portfolio with the introduction of new universal life and fixed indexed annuity products to confidently serve a wide spectrum of consumer needs
  • Achieved $2 billion in registered index-linked annuity sales during our first full year in market
  • Maintained #5 rank in term life insurance market share
Institutional
  • Provided retirement security to nearly half a million individuals across 1,200 plans
  • Delivered a record pension risk transfer year, highlighted by a $1.2 billion transaction that marked our entry into the jumbo market
  • Achieved record stable value wrap sales, reinforcing our position as a leading wrap provider, providing bond-like returns with money-market-like stability for institutional clients
  • Expanded our product portfolio in the institutional variable annuity guaranteed lifetime withdrawal benefit (VA GLWB) market, broadening our presence in defined contribution lifetime income
  • Solidified our market leadership, credit strength and competitive advantage in the rapidly expanding energy prepay tax-exempt bond market
Reinsurance
  • Strong diversification of sales for Savings & Retirement with several deals in Japan and the Netherlands, including the largest funded reinsurance deal ever for Pacific Life at $1.4 billion in Japan
  • Continued growth in Protection, including serving the India market by signing first treaties with three of the top five insurers
  • Expansion of Capital Solutions, with deals across three continents
  • UnderwriteMe AI Engine developed and tested, securing first client for an AI-driven underwriting assessment capability with further pilots in progress

 

Workforce Benefits
  • Delivered a fully integrated, nine‑product benefits suite, including disability insurance, on a unified, 100 percent digital platform
  • Continued expansion of the sales team to support broader nationwide distribution, increasing access to our solutions across key markets and positioning the business for profitable growth
  • Expanded customer-facing solutions with additional digital capabilities, including automated quote intake, integrated enrollment connections, systematic evidence of insurability and coordinated event‑based claims
Investments
  • Achieved record $40B new investments
  • Supporting U.S. housing markets with $22B investments
  • Accomplished 12% compounded annual asset growth over the past five years
  • Maintained 96% fixed-income holdings that are investment grade

Confidence for generations isn’t built by words alone — it’s built by doing the right thing, year after year.

Our Values

As a purpose-driven organization known for doing the right thing, our values are the foundation that motivate and guide our actions.

They are core to who we are and the standard that holds us accountable to our customers, people and communities.

Learn about Our Purpose
 
2025 Annual Report
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Pacific Life at a Glance
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Pacific Life refers to Pacific Life Insurance Company and its affiliates, including Pacific Life & Annuity Company. 

*  FORTUNE ranking as of June 2025 is of the top 500 U.S. firms by total revenue.
** Includes Pacific Life Foundation cash grants, corporate contributions and in-kind donations.

Life insurance rankings are from the 2025 Confidential Sales Survey of Participating Companies by LIMRA. Pacific Life Insurance Company sales are based on planned recurring premiums as measured against 57 participating companies. Annuity sales ranking from U.S. Individual Annuities Sales Survey by LIMRA as of December 31, 2025. Pension risk transfer rankings are from the U.S. Group Annuity Risk Transfer Survey Participant Report Fourth Quarter 2025 by LIMRA.