{"id":324143,"date":"2025-11-10T17:24:13","date_gmt":"2025-11-10T22:24:13","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=270378"},"modified":"2025-11-10T17:24:13","modified_gmt":"2025-11-10T22:24:13","slug":"pacific-review","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/life\/pacific-review\/","title":{"rendered":"Pacific Life Insurance Review"},"content":{"rendered":"            <span class=\"b-toc-anchor\" id=\"review\" title=\"Pacific Life Insurance Review\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Reviews Report<\/h2>\n\n\n\n<ul class=\"is-style-blog-list\"><li>Reviews.com scores Pacific Life insurance a 3.6 out of 5, based on customer service, riders, and more.<\/li><li>Pacific Life offers term, universal life (UL), indexed UL (IUL), variable UL (VUL), and a broad annuity lineup; accelerated\/streamlined underwriting may be available depending on age, amount, and risk profile.<\/li><li>Independent benchmarks we reviewed include <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-individual-life-insurance-study\">J.D. Power\u2019s 2025 U.S. Individual Life Insurance Study<\/a> (1,000-point scale brand satisfaction), the <a href=\"https:\/\/www.theacsi.org\">American Customer Satisfaction Index<\/a> (industry-level 0\u2013100 scale), and NAIC\u2019s <a href=\"https:\/\/content.naic.org\">Consumer Complaint Index<\/a> and <a href=\"https:\/\/eapps.naic.org\">Consumer Information Source<\/a> for complaint outcomes.<\/li><\/ul>\n\n\n\n<p>Pacific Life insurance presents a solid option for both your financial protection and the future security of your loved ones, offering <a href=\"https:\/\/www.reviews.com\/insurance\/life\/best\/\">life insurance<\/a>, annuities and investment products to individuals and businesses. In our 2025 update, we weighted third-party customer benchmarks such as <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-individual-life-insurance-study\">J.D. Power<\/a> and the <a href=\"https:\/\/www.theacsi.org\">ACSI<\/a>, NAIC complaint data, financial strength, and online servicing tools.<\/p>\n\n\n\n<p>We also reviewed independent ratings and programs, including <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-individual-life-insurance-study\">J.D. Power<\/a> and <a href=\"https:\/\/www.dalbar.com\/Home\/Index\">DALBAR, Inc.<\/a> While Pacific Life emphasizes advisor-assisted buying and does not provide instant online quotes, its strong financial strength, extensive permanent life and annuity offerings, and advisor resources position it competitively among national life insurers.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"overview\" title=\"Pacific Life Insurance Overview\"><\/span>\n    \n\n\n<section id=\"block_6075aede9cd18\" class=\"block b-stats-overview\">\n    <h2 class=\"b-stats-overview-title\">Pacific Life Insurance Overview<\/h2>\n    <div class=\"b-stats-overview-grid\">\n                <div class=\"b-stats-overview-grid-item\">\n            <div class=\" b-stats-overview-grid-item-title\">\n                Reviews.com Score\n                            <\/div>\n\n            <span class=\"b-stats-overview-grid-item-value\">3.6<\/span>\n        <\/div>\n                <div class=\"b-stats-overview-grid-item\">\n            <div class=\" b-stats-overview-grid-item-title\">\n                In business since\n                            <\/div>\n\n            <span class=\"b-stats-overview-grid-item-value\">1868<\/span>\n        <\/div>\n                <div class=\"b-stats-overview-grid-item\">\n            <div class=\"tooltip b-stats-overview-grid-item-title\">\n                AM Best\n                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                            <\/div>\n\n            <span class=\"b-stats-overview-grid-item-value\">A+<\/span>\n        <\/div>\n                <div class=\"b-stats-overview-grid-item\">\n            <div class=\"tooltip b-stats-overview-grid-item-title\">\n                J.D. Power\n                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                            <\/div>\n\n            <span class=\"b-stats-overview-grid-item-value\">N\/A*<\/span>\n        <\/div>\n            <\/div>\n<\/section>\n\n\n\n<p><a href=\"https:\/\/www.dalbar.com\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">Insurance Service Award<\/a> programs from DALBAR recognize financial firms that meet rigorous year\u2011round service standards based on objective testing and benchmarking of contact center interactions. Check <a href=\"https:\/\/www.dalbar.com\">DALBAR\u2019s newsroom<\/a> for the most recent award recipients by category.<\/p>\n\n\n\n<p>Pacific Life\u2019s current financial strength remains very strong across major agencies \u2014 <a href=\"https:\/\/ratings.moodys.com\/search?query=Pacific%20Life\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">Moody\u2019s<\/a> (Aa3 High Quality), <a href=\"https:\/\/www.fitchratings.com\/search?query=Pacific%20Life\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">Fitch<\/a> (AA- Very Strong), <a href=\"https:\/\/www.spglobal.com\/ratings\/en\/search#Pacific%20Life\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">S&amp;P Global<\/a> (AA- Very Strong), and <a href=\"https:\/\/ratings.ambest.com\/CompanyProfile.aspx?amb=6885&amp;AltNum=5476885\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">A.M. Best<\/a> (A+ Superior) \u2014 with Stable outlooks commonly reported. These ratings indicate a very strong ability to meet policyholder obligations.<\/p>\n\n\n\n<p>Pacific Life writes <a href=\"https:\/\/www.pacificlife.com\/home\/products\/life-insurance\/term-life-insurance.html\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">term policies up to 30 years<\/a> and supports modern, accelerated underwriting on many cases; depending on age, coverage amount, and risk class, a medical exam may be waived or required.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"pros\" title=\"Pros vs. Cons\"><\/span>\n    \n\n\n<section id=\"block_6075af499cd1d\" class=\"block b-pro-cons\">\n            \n<div class=\"b-pro-cons__wrapper\">\n    <h4 class=\"b-pro-cons__title b-pro-cons__title--important\"> PROS<\/h4>\n    <ul class=\"b-pro-cons__list b-pro-cons__list--pros\">\n                                <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Over 150 years of experience<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">Established in 1868 with sustained financial strength, positioning the company to pay claims and service long\u2011term policies.<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Wide variety of life insurance products<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">Offers term, UL, IUL, and VUL life insurance plus a broad annuity lineup for protection and retirement income needs.<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Flexible premium options<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">Ability to adjust premium amounts and timing on many permanent policies to fit your financial plan.<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Top-tier financial strength ratings<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">High insurer financial strength ratings: A.M. Best A+, S&amp;P AA-, Fitch AA-, Moody\u2019s Aa3 (all with Stable outlooks, per agency disclosures).<\/span>\n                            <\/li>\n                <\/ul>\n<\/div>\n    \n            \n<div class=\"b-pro-cons__wrapper\">\n    <h4 class=\"b-pro-cons__title b-pro-cons__title--important\"> CONS<\/h4>\n    <ul class=\"b-pro-cons__list b-pro-cons__list--cons\">\n                                <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Online quotes are not available<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">You\u2019ll typically work with an advisor or broker to get quotes and apply; there is no instant, direct-to-consumer quote tool.<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Not the most affordable policies<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">Some permanent products can be higher cost than competitors; compare policy charges, caps\/spreads, and guarantees.<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Products not available in all states<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">Pacific Life notes that not all products and services are available in every state or jurisdiction.<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Complaint levels vary by year and entity<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">Always check the NAIC\u2019s <a href=\"https:\/\/eapps.naic.org\">Consumer Information Source<\/a> for the latest complaint index for the specific issuing company (1.00 = market average; lower is better).<\/span>\n                            <\/li>\n                <\/ul>\n<\/div>\n    <\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"highlights\" title=\"Pacific Life Insurance Highlights\"><\/span>\n    \n\n                \n<section id=\"block_6075afba9cd26\" class=\"block b-highlights-tabs\">\n    <h2 class=\"b-highlights-tabs__title\">Pacific Life Insurance Highlights<\/h2>\n    \n    <div class=\"b-highlights-tabs__tabs-list\">\n        <div class=\"b-highlights-tabs__tabs-list-nav\">\n                            <div class='b-highlights-tabs__tabs-list-nav-item active' data-index=\"1\"> Coverage and Riders <\/div>\n                            <div class='b-highlights-tabs__tabs-list-nav-item ' data-index=\"2\"> Customer experience <\/div>\n                            <div class='b-highlights-tabs__tabs-list-nav-item ' data-index=\"3\"> Before you buy <\/div>\n                            <div class='b-highlights-tabs__tabs-list-nav-item ' data-index=\"4\"> Claims filing process <\/div>\n                    <\/div>\n\n        <div class=\"swiper-container\">\n            <div class=\"swiper-wrapper\">\n                                                        <div class=\"swiper-slide b-highlights-tabs__slide\">\n                        <div class=\"b-highlights-tabs__slide-content\" data-title=\"Coverage and Riders\">\n                            \n                                                            <div class=\"b-highlights-tabs__slide-content-alt-description\">\n                                    <p><span style=\"font-weight: 400;\">Pacific Life offers a wide range of core life insurance products. Notably, Pacific Life provides competitive <\/span><a href=\"https:\/\/www.pacificlife.com\/home\/products\/life-insurance\/term-life-insurance.html\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">term life insurance<\/span><\/a><span style=\"font-weight: 400;\"> in 10-, 15-, 20-, 25-, and 30-year terms. Beyond term life, customers can consider:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Universal life (UL)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Indexed universal life (IUL)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Variable universal life (VUL)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Annuities to complement protection with retirement income<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Common riders (availability varies by policy and state) include accelerated death benefit, chronic\/critical illness living benefits, children\u2019s term rider, waiver of premium, and accidental death benefit. For definitions and considerations, see the NAIC\u2019s consumer guide to <\/span><a href=\"https:\/\/content.naic.org\/consumer\/life-insurance\"><span style=\"font-weight: 400;\">life insurance<\/span><\/a><span style=\"font-weight: 400;\"> and <\/span><a href=\"https:\/\/www.reviews.com\/insurance\/life\/life-insurance-riders-affect-death-benefit\/\"><span style=\"font-weight: 400;\">accelerated death benefit<\/span><\/a><span style=\"font-weight: 400;\"> riders.<\/span><\/p>\n\n                                <\/div>\n                                                    <\/div>\n                    <\/div>\n                                                        <div class=\"swiper-slide b-highlights-tabs__slide\">\n                        <div class=\"b-highlights-tabs__slide-content\" data-title=\"Customer experience\">\n                            \n                                                            <div class=\"b-highlights-tabs__slide-content-alt-description\">\n                                    <p>According to <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-individual-life-insurance-study\">J.D. Power\u2019s 2025 U.S. Individual Life Insurance Study<\/a>, overall satisfaction is measured on a 1,000\u2011point scale across factors such as communication, interaction (including digital), product offerings, price, and statements. Leaders typically excel in simple explanations and seamless digital self\u2011service. The <a href=\"https:\/\/www.theacsi.org\">ACSI\u00ae Life Insurance &amp; Annuities index<\/a> provides a complementary, industry\u2011level view on a 0\u2013100 scale. For outcomes, verify complaint experience using NAIC\u2019s <a href=\"https:\/\/content.naic.org\">Complaint Index methodology<\/a> and the <a href=\"https:\/\/eapps.naic.org\">Consumer Information Source (CIS)<\/a> for the latest company\u2011specific index (where 1.00 = average; lower is better).<\/p>\n\n                                <\/div>\n                                                    <\/div>\n                    <\/div>\n                                                        <div class=\"swiper-slide b-highlights-tabs__slide\">\n                        <div class=\"b-highlights-tabs__slide-content\" data-title=\"Before you buy\">\n                            \n                                                            <div class=\"b-highlights-tabs__slide-content-alt-description\">\n                                    <p>Pacific Life focuses on life insurance and annuities rather than bundling multiple property\/casualty products. Quotes and applications are typically advisor\u2011assisted (no instant online quotes). Underwriting may be accelerated for eligible ages and amounts, with medical exams waived in some cases and required in others. For policy servicing resources, see Pacific Life\u2019s policyowner portal information <a href=\"https:\/\/www.pacificlife.com\/life-insurance\/policyowners.html\">here<\/a>.<\/p>\n\n                                <\/div>\n                                                    <\/div>\n                    <\/div>\n                                                        <div class=\"swiper-slide b-highlights-tabs__slide\">\n                        <div class=\"b-highlights-tabs__slide-content\" data-title=\"Claims filing process\">\n                            \n                                                            <div class=\"b-highlights-tabs__slide-content-alt-description\">\n                                    <p>Pacific Life provides online guidance and forms to start a claim; gather the policy number, insured\u2019s and beneficiaries\u2019 details, and required documents before initiating. Industrywide, digital claim initiation and document upload are increasingly common and correlate with higher satisfaction in recent J.D. Power studies. For the latest instructions, visit Pacific Life\u2019s policyowner service page and follow the current claim steps.<\/p>\n\n                                <\/div>\n                                                    <\/div>\n                    <\/div>\n                            <\/div>\n\n            <div class=\"swiper-navigation-wrapper-refresh\">\n                <div class=\"swiper-button-prev\"><\/div>\n                <div class=\"swiper-pagination\"><\/div>\n                <div class=\"swiper-button-next\"><\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"comparison \" title=\"PacLife Life Insurance vs. The Competition \"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Pacific Life Life Insurance vs. The Competition <\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>Provider<\/strong><\/td><td><strong>Reviews.com Score<\/strong><\/td><td><strong>Riders<\/strong><\/td><td><strong>J.D. Power Customer Satisfaction*<\/strong><\/td><td><strong>AM Best<\/strong><\/td><\/tr><tr><td><strong>Pacific Life<\/strong><\/td><td>3.6<\/td><td>Child term insurance<br>Accelerated benefit<br>Extended benefit<br>Annual renewable term<br>Accidental death benefit<\/td><td>Not published<\/td><td>A+<\/td><\/tr><tr><td><strong>Northwestern Mutual&nbsp;<\/strong><\/td><td>4.4<\/td><td>Early Payment Benefit<br>Waiver of Premium with disability<br>Indexed protection<br>Additional purchase option<\/td><td>Not published<\/td><td>A++<\/td><\/tr><tr><td><strong>New York Life<\/strong><\/td><td>4.2<\/td><td>Accidental Death and Dismemberment<br>Automatic benefit increase<br>Chronic care&nbsp;<br>Waiver of premium with illness or disability&nbsp;<\/td><td>Not published<\/td><td>A++<\/td><\/tr><tr><td><strong>MassMutual<\/strong><\/td><td>3.8<\/td><td>Guaranteed insurability&nbsp;<br>Renewable term<br>Accelerated death benefit for terminal illness<\/td><td>Not published<\/td><td>A++<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>Information accurate as of 2025<\/em><\/p>\n\n\n\n<p><em>*J.D. Power\u2019s 2025 <\/em><a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-individual-life-insurance-study\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\"><em>U.S. Life Insurance Satisfaction Study<\/em><\/a><em>. Based on a 1,000-point scale. Brand-level scores are published by J.D. Power where available; not all carriers\u2019 scores are disclosed in public summaries.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Pacific Life vs. Northwestern Mutual<\/h3>\n\n\n\n<p>Both are financially strong, but they differ in product focus and distribution. Pacific Life is known for UL\/IUL\/VUL and annuities distributed through independent advisors, while Northwestern Mutual emphasizes participating whole life with a career\u2011agent network and top\u2011tier ratings (<a href=\"https:\/\/www.northwesternmutual.com\">financial strength<\/a>). J.D. Power\u2019s 2025 research highlights advice quality and digital experience as key satisfaction drivers across the industry.<\/p>\n\n\n\n<p>Pacific Life generally offers multiple term durations (10\u201330 years) and an array of permanent designs; Northwestern Mutual\u2019s offering centers on dividend\u2011paying whole life, with term and UL available via its agents. Choose based on whether you prefer independent\u2011advisor flexibility (Pacific Life) or a career\u2011agent, WL\u2011centric approach (Northwestern Mutual).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Pacific Life vs. New York Life<\/h3>\n\n\n\n<p>Both are large national carriers with strong financials; New York Life operates as a mutual with participating whole life and a career\u2011agent network (<a href=\"https:\/\/www.newyorklife.com\">financial strength<\/a>). Pacific Life does not offer participating whole life but provides broad UL\/IUL\/VUL and annuities. Industry benchmarks indicate that clear communication and easy service experiences are increasingly important to customers in 2025.<\/p>\n\n\n\n<p>Neither carrier focuses on instant online quoting for life insurance; both emphasize advisor\u2011assisted planning. For complaints and service outcomes, consult NAIC\u2019s <a href=\"https:\/\/eapps.naic.org\">Consumer Information Source<\/a> for the latest complaint index by issuing company.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Pacific Life vs. MassMutual<\/h3>\n\n\n\n<p>MassMutual is a mutual insurer with participating whole life and a broad product shelf, plus a notable digital direct term option through Haven Life; it also maintains top-tier financial strength (<a href=\"https:\/\/www.massmutual.com\/about-us\/financial-strength\/ratings\">financial strength<\/a>). Pacific Life stands out for IUL\/VUL and annuities delivered via independent distribution. Satisfaction drivers in 2025 continue to center on advice quality, clarity, and digital self\u2011service.<\/p>\n\n\n\n<p>If you want a fully digital path to term insurance, MassMutual\u2019s Haven Life may be appealing; if you need flexible permanent designs engineered for accumulation or business planning, Pacific Life is often considered.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"faqs\" title=\"Pacific Life FAQ\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Pacific Life FAQ<\/h2>\n\n\n<div id=\"block_6075b2709cd45\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Is Pacific Life a good insurance company?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Yes. Pacific Life\u2019s operating companies carry high financial strength ratings (A.M. Best A+, S&amp;P AA-, Fitch AA-, Moody\u2019s Aa3) with stable outlooks, indicating very strong claims\u2011paying ability. For a balanced view of service outcomes, check the latest NAIC complaint index for Pacific Life\u2019s issuing entity via the <\/span><a href=\"https:\/\/eapps.naic.org\"><span style=\"font-weight: 400;\">NAIC Consumer Information Source<\/span><\/a><span style=\"font-weight: 400;\"> and review brand\u2011level satisfaction insights from <\/span><a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-individual-life-insurance-study\"><span style=\"font-weight: 400;\">J.D. Power\u2019s 2025 study<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_6075b27c9cd46\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Is Pacific Life a mutual insurance company?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Pacific Life operates within a mutual holding company structure rather than as a pure mutual insurer. Its individual life products are generally non\u2011participating (no whole life dividends), with value driven by credited rates, index caps\/spreads, and policy charges.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_6075b2889cd47\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What company has the best life insurance?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">The \u201cbest\u201d carrier depends on your goals. Compare financial strength (e.g., AM Best, S&amp;P, Fitch, Moody\u2019s), product fit (term vs. participating WL vs. UL\/IUL\/VUL), underwriting, and service outcomes. Use brand satisfaction benchmarks from <\/span><a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-individual-life-insurance-study\"><span style=\"font-weight: 400;\">J.D. Power 2025<\/span><\/a><span style=\"font-weight: 400;\">, consult the industry index from <\/span><a href=\"https:\/\/www.theacsi.org\"><span style=\"font-weight: 400;\">ACSI<\/span><\/a><span style=\"font-weight: 400;\">, and verify the latest complaint index through the <\/span><a href=\"https:\/\/eapps.naic.org\"><span style=\"font-weight: 400;\">NAIC CIS<\/span><\/a><span style=\"font-weight: 400;\"> before you purchase.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n            <span class=\"b-toc-anchor\" id=\"method\" title=\"Methodology\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Methodology<\/h2>\n\n\n\n<p>We evaluated Pacific Life based on riders, coverage, resources, financial strength and customer satisfaction to determine Reviews.com scores and create our best life insurance reviews. To compare life insurance companies with other providers across the board, we calculate each Reviews.com score based on the following:<br><\/p>\n\n\n\n<ul><li>Number of Riders: The more riders a life insurance company has, the higher it scores in our Reviews.com methodology.<\/li><li>Financial Stability: Reviews.com utilized AM Best ratings to assign a score based on each life insurance company\u2019s financial stability.<\/li><li>Customer Satisfaction: Using <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-individual-life-insurance-study\">J.D. Power\u2019s 2025 U.S. Individual Life Insurance Study<\/a>, we benchmarked brand-level satisfaction (1,000-point scale) and referenced the <a href=\"https:\/\/www.theacsi.org\">ACSI Life Insurance &amp; Annuities index<\/a> for industry-wide context (0\u2013100 scale).<\/li><li>Complaint Experience: We consult the NAIC <a href=\"https:\/\/content.naic.org\">Consumer Complaint Index<\/a> and the <a href=\"https:\/\/eapps.naic.org\">Consumer Information Source<\/a> for the most recent company-specific complaint indices (1.00 = market average; lower is better).<\/li><li>Coverage: Life insurance companies scored higher if customers can convert term to permanent and if they offer multiple options across policy types (term, WL, UL\/IUL\/VUL).<\/li><li>Resources: We compared website functionality and digital tools based on availability of e\u2011app\/e\u2011delivery, policyowner portals, online claims initiation\/guidance, and educational content.<\/li><\/ul>","protected":false},"excerpt":{"rendered":"<p>Reviews Report Reviews.com scores Pacific Life insurance a 3.6 out of 5, based on customer service, riders, and more. Pacific Life offers term, universal life (UL), indexed UL (IUL), variable UL (VUL), and a broad annuity lineup; accelerated\/streamlined underwriting may be available depending on age, amount, and risk profile. Independent benchmarks we reviewed include J.D. [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":361087,"parent":1766,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/template-refresh-spr.php","meta":[],"categories":[1270],"tags":[],"post_author":[25484],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Pacific Life Insurance Review - Reviews.com<\/title>\n<meta name=\"description\" content=\"Pacific Life insurance reviews reveal a life insurance company with high customer satisfaction ratings, strong financial stability and flexible policies.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.reviews.com\/insurance\/life\/pacific-review\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Pacific Life Insurance Review - 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