Pacific Life Term Life
Editor's ChoicePacific Life
4.6
Overall score 4.74. Competitive term rates. Strong financial strength (A+ AM Best).
Editorial score
4.6 / 5
Product type
life insurance
Our take
Pacific Life leads Insure.com's overall term life rankings with a 4.74 score, combining competitive rates with A+ AM Best financial strength. Excellent for straightforward term coverage needs.
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Full details
| best for | Healthy adults seeking competitive 10–30 year term coverage |
| headline metric | From ~$28/mo (30yr, $500K) |
| secondary metric | A+ AM Best rating |
| discount highlights | Preferred rates for excellent health, non-smoker discounts |
Frequently asked questions
What should I compare besides premium for Pacific Life Term Life?
Look at coverage limits, deductibles, exclusions, and customer service reputation. The cheapest quote is not always the best value if coverage is weaker.
Is Pacific Life Term Life right for me?
Pacific Life leads Insure.com's overall term life rankings with a 4.74 score, combining competitive rates with A+ AM Best financial strength. Excellent for straightforward term coverage needs.
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Verified Apr 2026
Pacific Life Term Life