If Pacific Life does not acknowledge your claim, you may need to provide additional supporting documentation to prove your status as a beneficiary. Can I borrow against my Pacific Life 's insurance policy? Although this guide is primarily focused on Pacific Life's insurance policies, you can find out information about annuities by clicking here. Insurance products are issued by Pacific Life Insurance Company in all states except New York and in New York by Pacific Life & Annuity Company. Whole Life Insurance. We take a deeper look into common concerns, questions and reviews about Pacific Life to help you make a more informed decision when choosing your life insurance carrier. Product availability and features may vary by state. Annual fees are $100 and you can choose to pay monthly or annually. It offers a variety of life insurance products such as term life insurance, whole life insurance, universal life insurance (indexed and variable), … You make monthly premium payments and have a guaranteed payout in case you die during that timeframe. Pacific Life is a financial company offering a wide range of products including life insurance and annuities. They are also not a guarantee of future performance. Pacific PremierCare Choice 100 and Pacific PremierCare Choice Max are single-premium policies, while Pacific PremierCare Choice Multi-Pay 100 and Pacific PremierCare Choice Multi-Pay Max spread their payments out over five or more years. In order to get a quote, simply fill out some basic information including your name, gender, whether or not you use tobacco, age, state you live in and your email address. Terms of Use| A universal life insurance policy from Pacific Life offers a minimum death benefit of $25,000 and the guaranteed minimum interest rate on this type of policy from Pacific Life is 3%. Use an online quotation tool to compare health insurance plans on the market. We're glad you liked it. You'll be given the appropriate form as well as more information when you call. All rights reserved. In order to surrender your policy, you should contact Pacific Life's insurance division at 1-800-347-7787, 5am to 5pm Monday-Friday, Pacific time. That being said, getting life insurance is a big decision, and not one you should make lightly. The cash value works like a guaranteed investment and grows at a generally low rate. It pays a fixed amount to you upon death. If your policy has lapsed, this generally means a premium payment has been missed, or the cash surrender value has been exhausted on the life insurance policy. Indexed Universal Life Insurance Product availability and features may vary by state. Whole of life insurance is designed to be flexible and meet an individual's requirements at any stage of life. Fortunately, Pacific Life works with agents nationwide, so there's likely one near you. Specific exclusions, exceptions and limitations will depend on a number of individual factors, such as whether or not you have any major or chronic health conditions, whether or not you're a tobacco user, what state you live in, your gender, and much more. With choices ranging from how you pay and when you pay for a plan, which funds you would like your plan to accumulate in, and the beneficiary allocations, with whole of … As a company that has been around for over 100 years, Pacific Life has built up a stalwart brand that's backed by strong finances. But what's in a name? This is a score that is built from in-house data and is not publicly available. The company was initially founded by Leland Stanford, a California governor and founder of Stanford University. Universal life is a highly popular alternative to traditional term and whole life insurance. For any questions you may have, we recommend contacting Pacific Life's customer service at 1-800-347-7787, 5am to 5pm Monday-Friday, Pacific time. Pacific Life specializes in custom life insurance policies with a selection of riders you can use as add-ons to get the level of coverage you need. We will do all the hard work for you, and recommend the best options for your needs. Is there a service fee on monthly auto-payments? Pacific Life Insurance Company is licensed to issue insurance products in all states except New York. If you are the beneficiary of a Pacific Life insurance policy and wish to file a claim, you should contact customer service directly at 1-800-347-7787, 5am to 5pm Monday-Friday, Pacific time. The Guardian Life Insurance Company Minnesota Life Pacific Life Insurance Company. Most insurers are members of the Medical Information Bureau, which is a clearinghouse of recent health and life insurance applicants. A low credit score won't necessarily keep you from getting life insurance coverage, but it may affect the premium you pay. In order to get an accurate rate quote for life insurance from Pacific Life, it's a good idea to get an online quote and comparison shop between life insurance providers for the best deal that also gives you the benefits you want. They've survived a number of national catastrophes, including the 1906 San Francisco earthquake and the Great Depression in the 1930s. From term insurance - whole Life insurance company is licensed to sell insurance how I., Life insurers are members of the policy network of financial protection disability. 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