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Pacific Life Customer FAQ

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What is Pacific Life's Phone Number?

The question we are asked most often is about how to talk to Pacific Life customer service. Click here for contact information, email and chat options, getting a live person, wait times and more.
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Recent Pacific Life Customer Questions

borrow off life insurance policy

Yes, with many types of life insurance policies, such as whole life or universal life insurance, you can borrow against the cash value of your policy. This would essentially be a loan from Pacific Life and would decrease the death benefit if not repaid. It's key to remember that borrowing against your policy could have long-term impacts on your policy benefits and tax implications. It's best to consult with a financial advisor before taking such a step. Each policy is unique and you'll want to understand all the ins and outs before making a decision.
Asked Apr 17, 2024 8:26 PM

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Life Insurance Policies

What are the different types of life insurance policies offered by Pacific Life?

Pacific Life provides several types of life insurance policies including term life, whole life, and universal life. Term life...

Can I customize my life insurance policy to fit my specific needs?

Pacific Life offers a range of customizable life insurance products, including term, whole, and universal life insurance....

Can I add riders to my life insurance policy?

Pacific Life typically allows the addition of riders to life insurance policies, enhancing customization for individual needs....

What is the process for converting a term policy to whole life?

Converting a term insurance policy to whole life generally involves confirming the conversion option exists, gathering...

Premiums and Payments

What factors determine the premium for a life insurance policy?

Several factors influence the premium for life insurance policies from Pacific Life, including the insured's age, health,...

Are there any discounts or savings programs available for policyholders?

Pacific Life typically provides various discounts or savings programs for policyholders, depending on the product type and...

What happens if I miss a premium payment?

Missing a premium payment can lead to serious implications for a Pacific Life policy. Typically, there is a grace period of...

Is there a grace period for premium payments?

Many Pacific Life insurance policies feature a grace period for premium payments, allowing policyholders extra time, often...

Claims and Benefits

Can I change the beneficiaries on my life insurance policy?

Yes, changing beneficiaries on a life insurance policy is generally allowed by Pacific Life. The policyholder can initiate this...

What does the cash value of a life insurance policy mean?

The cash value of a life insurance policy is a savings component that accumulates in permanent insurance types, like whole or...

Are there any tax benefits associated with owning a life insurance policy?

Owning a life insurance policy can provide various tax advantages, such as tax-free death benefits for beneficiaries and...

How do I file a claim on my life insurance policy?

To file a life insurance claim with Pacific Life, first gather essential documents like the death certificate and policy...

Are there any penalties for early withdrawal?

Early withdrawals from Pacific Life policies can incur several penalties, such as surrender charges and potential tax...

What options are available for policy loans?

Pacific Life provides different options for policy loans that enable policyholders to use the cash value of their life...
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