Pacific Life is a life insurance and annuity company founded in 1868 and headquartered in Newport Beach, California. Operating under a mutual holding structure, it focuses on permanent life insurance and a strong annuity lineup, distributed primarily through financial professionals rather than direct to consumers.
Founded
1868
Headquarters
Newport Beach, CA
AM Best (financial strength)
Varies
Financial-strength ratings for Pacific Life vary by underwriting entity — many large insurers write through multiple subsidiaries, each rated separately. Ask which company underwrites your specific policy and check that entity's A.M. Best rating directly.
The NAIC Complaint Index is published primarily for property-and-casualty lines; for Pacific Life, check the NAIC Consumer Insurance Search and your state department of insurance for complaint data specific to the product and state you're considering.
You can request a quote or reach Pacific Life at pacificlife.com. Rates depend heavily on your individual profile (location, age, history, coverage), so compare at least three quotes before deciding.
Rachel Kim
Editorial Lead, Life & Retirement
This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.
Reviewed 2026-06-14
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