ComparePacific Life at a glance
Where it shines
- Coverage starts at $50K, lower than most competitors
- Strong pricing on 30-, 35- and 40-year terms
- Generous conversion window
Where it doesn't
- Not available in New York
- Conservative underwriting on some health conditions
Who Pacific Life is right for
Pacific Life is best for high coverage amounts because its face amounts start at $50,000 and its 30-plus-year terms are priced aggressively, making it a strong fit for buyers in their 40s locking in long coverage.
No-exam underwriting
PL Promise Term accelerated underwriting up to $3M for eligible applicants. Above that threshold, or if your health history raises a flag, expect a paramedical exam. No-exam approval is a convenience, not a discount; a fully underwritten policy from the same carrier is usually cheaper for a healthy applicant.
Riders and options
Available riders include accelerated death benefit, waiver of premium, children's term rider. Availability and cost vary by state.
How Pacific Life compares
| Carrier | Score | AM Best | Max coverage | Longest term | Max age | No exam up to |
|---|---|---|---|---|---|---|
 Pacific Life | 4.6 | A+ | $10M | 40 yrs | 75 | $3M |
 Ethos | 4.5 | A | $3M | 30 yrs | 65 | $3M |
 Ladder | 4.4 | A+ | $8M | 30 yrs | 60 | $3M |
 Haven Life | 4.6 | A++ | $3M | 30 yrs | 64 | $1M |
 Banner Life | 4.8 | A+ | $10M | 40 yrs | 75 | $2M |
 Fabric by Gerber Life | 4.3 | A+ | $5M | 30 yrs | 60 | $1M |
 Protective Life | 4.7 | A+ | $50M | 40 yrs | 75 | $2M |
Is Pacific Life on your shortlist?
Check it against every carrier that fits your age, coverage and term.
Pacific Life questions
Is Pacific Life a good life insurance company?
Pacific Life holds an AM Best financial strength rating of A+ and earns a 4.6 out of 5 in Quote Genie's methodology, which weighs price, financial strength, underwriting flexibility, policy options and buying experience. We rate it best for high coverage amounts.
How much term life insurance can I buy from Pacific Life?
Pacific Life issues term policies from $50K up to $10 million, with level terms of 10, 15, 20, 25, 30, 35, 40 years for applicants aged 18 to 75 at issue.
Does Pacific Life require a medical exam?
Not always. PL Promise Term accelerated underwriting up to $3M for eligible applicants. Applicants above that limit, or whose health history needs more review, will be asked to complete a paramedical exam.
Can I convert a Pacific Life term policy to permanent insurance?
Yes. The policy includes a conversion privilege that lets you move to permanent coverage without new medical underwriting, subject to the conversion period in your contract.
Is Pacific Life available in every state?
No. Pacific Life does not currently sell term life in NY.
Facts come from Pacific Life product materials and public filings, last reviewed October 19, 2026. Quote Genie is an independent agency and is not affiliated with Pacific Life.