Carrier Ratings

A+ (Superior)

AM Best Rating

Analysis Report AM Best

AA- (Strong)

Standard & Poor Rating

Analysis Report Standard & Poor

Available Life Products

Term Life Insurance

Pacific Life offers guaranteed term insurance policies for 10 - 15 - 20 - 25 and 30 years. Premiums are guaranteed for the life of the term policy.

Variable Life Insurance

For those of you who are more market savvy and prefer the ability to build tax-free wealth tied to the performance of the market, Pacific Life has VUL that may suit your needs.

Whole Life Insurance

Pacific Life offers a guaranteed death benefit, guaranteed cash value, and dividiends to help you meet your financial goals

Universal Life Insurance

Pacific Life offers tradtiional flexible universal life insurance.


Pacific Life offers this flexible universal life product that allows you to accumulate wealth within the S&P 500 without the negative risk associated with the market.

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No-Exam Options

Pacific Life allows for up to $10 million of no exam life insurance.

  • This coverage is available to applicants between the ages of 18 and 70
  • For up to $3 million in coverage, applicants over the age of 60 must have had a physical with labs from a primary care physiican within the last 12 months.
  • For coverage between $3 million and $5 million, applicatns over the age of 50 must have had a physical with labs from a primary care physician withn the last 12 months.
  • For any applicant applyin for more than $5 million of coverage, regardless of age, must have had a physical with labs conducted by a primary care physician within the last 12 months.

Available Riders

Accelerated Benefit Rider

This rider allows you to accelerate a portion of your death benefit if you are diagnosed as being terminally ill.


Where available, you may have the ability to include up to $10,000 in coverage per child up to the age of 18.


This rider provides you the ability to waive your premiums if you become Totally Disabled

Conversion Options

Pacific Life allows you to convert your term policy up until your age of 70.

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Have Questions?

Ask Wandy!

Sometimes we want answers right away and we don’t want to speak to a live person. That’s why Wandy is here. Wandy is your virtual insurance agent and he’s here to help. Click here to visit with Wandy now.

Live Agent Support

You might not always want to do everything on your own. So if you’ve got questions, PolicyWand agents are here to help. Feel free to call or text at 321-521-4340 or you can chat with us by clicking here. Don’t worry, our agents aren’t commissioned so this won’t feel like a sales interaction. We’re simply here to help!

Life Insurance Calculator

Not sure how much life insurance you need? Try our EZ Calculator tool by clicking here. If you want a more custom life insurance evaluation you can click here for our more comprehensive calculator tool.