Severe storms and tornadoes struck the state of Arkansas beginning March 14, 2025, resulting in tragic fatalities and considerable damage to homes and infrastructure. In alignment with AR Bulletin 06-2025, which calls for insurers to support affected residents, Pacific Life will provide accommodations for impacted policyholders upon request.

• Moratorium period: March 15, 2025 – May 14, 2025
• Designated Area: Statewide
• Policies with GPE date in the moratorium period: Pacific Life will assist impacted policyholders residing in the designated area by offering lapse assistance and extending grace periods. Policyholders must contact Pacific Life to request accommodations.

Consideration will be given to other policyholders that may have been impacted by the disaster and are experiencing hardship related to the disaster. Policyholders must contact Pacific Life for assistance.

Life Insurance Producers, Broker General Agencies, Management and Office Administrators are encouraged to reach out to clients in affected areas to inform them of this accommodation.

Our customer service representatives are available to assist you from 6:00 AM to 5:00 PM Pacific Time, Monday through Friday.

• For Pacific Life policy numbers beginning with “2L,” please call (844) 276-0193.
• For all other Pacific Life policy numbers, please call (800) 800-7681.

On April 23, 2026, the State of Georgia issued a State of Emergency due to active wildfires and hazardous fire conditions. On May 8, another State of Emergency was issued with updated guidance on affected counties. Many families were displaced and the firefighters continue to try to control the blazes. In alignment with GA OCISF - Directives 26-EX-1 and 26-EX-3, Pacific Life will provide accommodations for impacted policyholders. Review the table below for a list of affected counties and related time frames. 

Pacific Life Handling

• Policies that lapsed during the moratorium period: Pacific Life is reinstating policies and extending the Grace Period End (GPE) date by a minimum of 60 days, with the possibility of further extensions if necessary. Notification letters will be sent to policyowners.
• Policies with GPE date in the moratorium period: Pacific Life is extending the GPE date by at least 60 days, will extend further if needed. Notification will not be sent to policyowners.
• Policies entering grace during the moratorium period: Policies with the GPE outside of the moratorium will not have extensions. Grace notices will be mailed routinely.

Consideration will be given to other policyholders that may have been impacted by the disaster and are experiencing hardship related to the disaster. Policyholders must contact Pacific Life for assistance.

Life Insurance Producers, Broker General Agencies, Management and Office Administrators are encouraged to reach out to clients in affected areas to inform them of this accommodation.

Our customer service representatives are available to assist you from 6:00 AM to 5:00 PM Pacific Time, Monday through Friday.

• For Pacific Life policy numbers beginning with “2L,” please call (844) 276-0193.
• For all other Pacific Life policy numbers, please call (800) 800-7681.

Severe storms and flooding struck the state of Kentucky on May 16th and 17th , resulting in considerable damage to homes and infrastructure. In alignment with the KY DOI Advisory Opinion, which calls for insurers to support affected residents, Pacific Life will provide accommodations for impacted policyholders upon request.

• Moratorium period: May 16, 2025 – June 17, 2025
• Designated Area: Laurel, Pulaski, Russel and Clay Counties (Currently)
• Policies with GPE date in the effective period: Pacific Life will assist impacted policyholders residing in the designated area by offering lapse assistance and extending grace periods.

Consideration will be given to other policyholders that may have been impacted by the disaster and are experiencing hardship related to the disaster. Policyholders must contact Pacific Life for assistance.

Life Insurance Producers, Broker General Agencies, Management and Office Administrators are encouraged to reach out to clients in affected areas to inform them of this accommodation.

Our customer service representatives are available to assist you from 6:00 AM to 5:00 PM Pacific Time, Monday through Friday.

• For Pacific Life policy numbers beginning with “2L,” please call (844) 276-0193.
• For all other Pacific Life policy numbers, please call (800) 800-7681.

Effective June 18, 2026, the Louisiana Department of Insurance issued Emergency Rule 50 in response to Tropical Storm Arthur. Pacific Life is providing accommodations for impacted policyowners who reside in, or have insured property located in, one of the designated Louisiana parishes listed below.

Review the table below for the affected parishes and applicable time frame.

• Moratorium Period: June 18, 2026 – July 22, 2026
• Designated Areas: Avoyelles, Lafourche, Pointe Coupee, St. Landry, St. Tammany, Terrebonne, and Rapides parishes.
• Pacific Life is suspending any notice of cancellation, nonrenewal, non-reinstatement, or other applicable notice during the moratorium period.
• Pacific Life may process policy cancellations upon documented written requests from the insured and may issue notices of cancellation for non-payment during the grace period; however, policies cannot be cancelled for non-payment until Emergency Rule 50 expires. While premium requirements remain in effect, Pacific Life may provide payment plans or additional extensions for impacted policyowners when appropriate.
• New policies: Emergency Rule 50 does not apply to policies issued on or after June 18, 2026.
• Interest, penalties, and other charges: Pacific Life is suspending any additional interest, penalty, charge, or accrual assessed against the insured as a result of the suspension.

Pacific Life also considers assistance for other policyowners impacted by the disaster and experiencing related hardship. Policyowners must contact Pacific Life for assistance.

Life Insurance Producers, Broker General Agencies, Management, and Office Administrators are encouraged to contact clients in affected areas to inform them of this accommodation.

Our customer service representatives are available to assist you from 6:00 AM to 5:00 PM Pacific Time, Monday through Friday.

• For Pacific Life policy numbers beginning with “2L,” please call (844) 276-0193.
• For all other Pacific Life policy numbers, please call (800) 800-7681.

On May 13, 2025, historic flash flooding struck Western Maryland after intense rainfall triggered flash flood emergencies across the region, prompting a State of Emergency. The flooding caused widespread disruptions, significant property damage, and tragic loss of life in several communities. In light of the MD Insurance Administration Bulletin 25-8, which encourages insurers to assist affected citizens, Pacific Life is offering accommodations for impacted policyholders in designated areas.

• Moratorium Period: May 16, 2025 – July 15, 2025
• Designated Area: Allegany and Garrett Counties
• Policies lapsing during the moratorium period: Pacific Life is reinstating the policies and extending their grace period ending (GPE) date by at least 60 days. If a 60-day extension does not extend the grace period outside of the moratorium, the policy extension goes to the next monthiversary. Notification letters are sent to policyowners.
• Policies with GPE date within moratorium period: Pacific Life is extending the GPE date by at least 60 days.
• Policies entering grace during the moratorium period: Policies with the GPE outside the moratorium do not receive extensions. Grace notices are mailed routinely.

Consideration will be given to other policyholders that may have been impacted by the disaster and are experiencing hardship related to the disaster. Policyholders must contact Pacific Life for assistance.

Life Insurance Financial Professionals, Broker General Agencies, Management and Office Administrators are encouraged to reach out to clients in affected areas to inform them of this accommodation.

Our customer service representatives are available to assist you from 6:00 AM to 5:00 PM Pacific Time, Monday through Friday.

• For Pacific Life policy numbers beginning with “2L,” please call (844) 276-0193.
• For all other Pacific Life policy numbers, please call (800) 800-7681.

On July 13, 2026, Governor Greg Abbott issued a State of Emergency for several Texas Counties due to severe storms and flooding. Damage and evacuations caused by the disaster have displaced many people from their homes and jobs. In alignment with the Texas Department of Insurance, Pacific Life will provide accommodations for impacted policyholders upon request.

• Moratorium Period: July 20, 2026 - September 18, 2026.
• Designated Area: Atascosa, Gillespie, Medina, Austin, Goliad, Menard, Bandera, Gonzales, Pecos, Bastrop, Guadalupe, Real, Bexar, Harris, Schleicher, Blanco, Hays, Sutton, Brazoria, Jackson, Terrell, Brewster, Karnes, Travis, Burnet, Kendall, Uvalde, Caldwell, Kerr, Val Verde, Colorado, Kimble, Victoria, Comal, Kinney, Waller, Crockett, La Salle, Washington, DeWitt, Lavaca, Webb, Dimmit, Lee, Wharton, Edwards, Llano, Williamson, Fayette, Mason, Wilson, Fort Bend, Matagorda, Zapata, Frio, Maverick, Zavala, Galveston, and McMullen counties.
• Policies with GPE date in the effective period: Upon the request of those affected, PL will work with policyowners residing in the counties listed above to offer lapse assistance and extend grace periods.

Consideration will be given to other policyholders that may have been impacted by the disaster and are experiencing hardship related to the disaster. Policyholders must contact Pacific Life for assistance.

Life Insurance Producers, Brokers General Agencies, Managements, and Offices are encouraged to reach out to clients in affected areas to inform them of this accommodation.

Our customer service representatives are available to assist you from 6:00 AM to 5:00 PM Pacific Time, Monday through Friday. 

• For Pacific Life policy numbers beginning with “2L,” please call (844) 276-0193.
• For all other Pacific Life policy numbers, please call (800) 800-7681.