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.
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.
An insurer’s financial strength is foundational to its ability to keep promises over time. That’s why independent financial strength ratings—issued by major rating agencies—are a valuable reference point as you review our financial results.
The following table identifies the financial strength ratings for Pacific Life Insurance Company and Pacific Life & Annuity Company issued from the major independent rating agencies.
 |  |  |  |
| Superior | Very Strong | Excellent | Very Strong |
| Ratings Report (01/16/2026) | Update (12/17/2025) | Press Release (11/06/2025) | Ratings Report (03/16/2026) |
| Press Release (12/11/2025) | Ratings Report (08/08/2025) | Credit Opinion (07/28/2025) |
$186B
as of Dec. 31, 2025
| Statutory Financial Information | |
| Pacific Life Insurance Company ⁶ | Pacific Life & Annuity Company ⁷ |
An insurer's financial strength rating represents an opinion by the issuing agency regarding the ability of an insurance company to meet its financial obligations to its policyholders and contract holders. A rating is an opinion of the rating agency, only, and not a statement of fact or recommendation to purchase, sell or hold any security, policy or contract. These ratings do not imply approval of our products and do not reflect any indication of their performance. A positive or negative outlook indicates that the rating could change based on certain future events relating to the financial condition of the company. For more information about a particular rating or rating agency, please visit the website of the relevant agency.
1 Based on accounting principles generally accepted in the Unites States of America (GAAP).
2 Excludes accumulated other comprehensive income (loss) and noncontrolling interests.
3 Operating revenues excludes net investment gain (loss) other than stable value product income, gain (loss) on real estate equity investments and certain derivative costs. It also excludes non-recurring items that are not relevant to our ongoing operations. Revenues attributable to noncontrolling interests are excluded.
4 Adjusted operating income is utilized by management to measure the profitability generated by the operations of the Company. It excludes net investment gain (loss) other than stable value product income, gain (loss) on real estate equity investments, and certain derivative costs. It also excludes the fair value changes of market risk benefits, certain other adjustments related to net investment gain (loss), other movements in economic factors and non-recurring items that are not relevant to our ongoing operations. Net income (loss) attributable to noncontrolling interests is excluded. The tax impact of the adjustments are calculated net of the U.S. or foreign statutory tax rate, which could differ from the Company’s effective tax rate.
5 Amounts have been revised to conform with the accounting and presentation under ASU 2018-12.
6 Statutory financial information of Pacific Life Insurance Company is presented in conformity with statutory accounting practices (SAP), which are accounting practices prescribed or permitted by the Insurance Department of the State of Nebraska. Pacific Life Insurance Company is domiciled in Nebraska. SAP is a comprehensive basis of accounting that differs in certain significant respects from GAAP.
7 Statutory financial information of Pacific Life & Annuity Company is presented in conformity with statutory accounting practices (SAP), which are accounting practices prescribed or permitted by the Insurance Department of the State of Arizona. Pacific Life & Annuity Company is domiciled in Arizona. SAP is a comprehensive basis of accounting that differs in certain significant respects from GAAP.
The results for past accounting periods are not necessarily indicative of results to be expected for any future accounting period.
