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Pacific Life Insurance Co.

Pacific Life Insurance Co.

5.0
Our ratings take into account a product's rewards, fees, rates and other category-specific attributes. All ratings are determined solely by our editorial team.
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On Pacific Life Insurance Co's Secure Website

Pacific Life Insurance Co.

5.0
Our ratings take into account a product's rewards, fees, rates and other category-specific attributes. All ratings are determined solely by our editorial team.
Percent Of 5-Star Policies

25

View Details
Why We Picked It

Pacific Life scored highest in our rankings, thanks to a substantial portion of its cash value life insurance products scoring 5 stars from Veralytic, and 85% of its products scoring 4 stars or better.

Extra Details
Pacific Life is based in Newport Beach, California, and offers life insurance, annuities and mutual funds, along with other financial products. Its life insurance products are term life, universal life and whole life insurance, including whole life insurance with long-term care benefits.

Pacific Life is among a handful of insurers that have a history of regularly reducing internal policy costs. For policyholders, this means you may not need to pay as much in premiums to cover policy costs over the long-term. Also, your cash value may grow better because it’s not eaten away by the policy’s internal charges.

Pros
  • Large proportion of top-notch cash value policies
  • Lower and more stable internal policy costs than other insurers
  • Superior performance of investments that fuel cash value gains
Cons
  • Some of its newer indexed universal life insurance products have significantly higher internal costs than other products.

 

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