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Pacific Life Updates Underwriting Guidelines to Expand Life Insurance Options to Individuals Living With HIV


NEWPORT BEACH, Calif. – July 12, 2022 – Pacific Life has expanded its offering of life insurance coverage to eligible individuals living with human immunodeficiency virus (HIV).

“In keeping with our progressive approach to underwriting, we are leveraging the latest medical advancements in therapeutics for HIV in order to offer coverage to individuals living with this chronic condition,” said Dawn Behnke, executive vice president of the Life Insurance Division, Pacific Life. “This offering aligns with Pacific Life’s innovative and customer-centric approach in securing families’ financial futures and legacies.”

Currently, there are about 1.1 million people living with HIV in the United States and most are now living longer and healthier lives. 1,2

“Times are changing, and we’re taking the long-term, holistic view while supporting our customers’ needs,” said Susan Ghalili, senior vice president and chief underwriter of the Life Insurance Division, Pacific Life. “We are living in exciting times, where advancements in clinical medicine afford us the opportunity to expand our protection products to people living with many chronic conditions, including HIV.”

1 Centers for Disease Control and Prevention, Basic Statistics | HIV Basics | HIV/AIDS | CDC.
2 Murez, Cara, “Americans Living with HIV Have Near-Normal Life Expectancy: Study,” U.S. News, July 7, 2021,
Americans Living With HIV Have Near-Normal Life Expectancy: Study | Health News | US News.

About Pacific Life
For more than 150 years, Pacific Life has helped millions of individuals and families with their financial needs through a wide range of life insurance products, annuities, and mutual funds, and offers a variety of investment products and services to individuals, businesses, and pension plans. Whether your goal is to protect loved ones or grow your assets for retirement, Pacific Life offers innovative products and services that provide value and financial security for current and future generations. Pacific Life counts more than half of the 100 largest U.S. companies as its clients and has been named one of the 2022 World’s Most Ethical Companies® by the Ethisphere Institute. For additional company information, including current financial strength ratings, visit

Pacific Life refers to Pacific Life Insurance Company and its affiliates, including Pacific Life & Annuity Company. Client count as of June 2022 is compiled by Pacific Life using the 2022 FORTUNE 500® list.

Pacific Life Insurance Company is licensed to issue insurance products in all states except New York. Product/material availability and features may vary by state. 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.

Pacific Life Insurance Company’s individual life insurance products are marketed exclusively through independent third-party life insurance producers, which may include bank affiliated entities. Some of these selling 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.

Pacific Life Insurance Company is located in Newport Beach, California.

PR-51718-00 7/22


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