Pacific Life Insurance - Pricing - Sample Quotes

How Much Does Life Insurance by Pacific Life Cost?

If you are shopping for a term life or guaranteed universal life insurance policy, Pacific Life Insurance Company should definitely be on your list of options.

They have some of the most competitive prices on the market, as well as accelerated underwriting programs (which could make for a quick and easy buying experience, if you qualify).

The sample quotes in this review may be different from your actual cost. Your exact cost will depend on the underwriting class you are APPROVED at once you apply to Pacific Life Insurance Company.

Check out our full Review of Pacific Life Insurance:

Pacific Life Insurance Review – Pros & Cons – FAQs

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PACIFIC LIFE INSURANCE PRICING AND FEES

Pacific Life Insurance has excellent pricing.

Apart from the actual premium, there are no additional “out of pocket fees” when you apply.

QUICK VIEW

Product Name:
PL Promise Term Life Insurance

Minimum Policy Face Amount:
$50,000

Minimum Issue Age:
18 Year Old

Level Period:
10, 15, 20, 25, & 30 Years

PACIFIC LIFE’S PL PROMISE TERM LIFE INSURANCE UNDERWRITING CLASSES

Preferred Best No Nicotine Use
Preferred No Nicotine Use
Select No Nicotine Use
Standard No Nicotine Use
Preferred Nicotine Use
Standard Nicotine Use

PACIFIC LIFE’S PL PROMISE TERM LIFE ADDITIONAL RIDERS

The following life insurance riders are available on Pacific Life’s PL Promise Term.

Accelerated Death Benefit Rider
Chronic Illness Care Rider
Children’s Level Term Insurance Rider
Wavier of Premium Rider

PACIFIC LIFE’S PL PROMISE TERM LIFE CONVERSION

You have the option to convert all or part of the PL Promise Term policy’s death benefit to a new universal life insurance policy that Pacific Life makes available at the time of conversion. This conversion right is available for the durations of the guaranteed level premium period, or up to you attained age 70, whichever comes first. Not available for age 70 or above.

Pros and Cons of Pacific Life’s “PL Promise” Term Life Insurance

Pros

May be able to qualify with out taking a medical exam because of “PL Promise Swift” accelerated underwriting.

Cons

Will have to take a medical exam, if you do not qualify for the accelerated underwriting program.

PACIFIC LIFE’S PL PROMISE TERM LIFE INSURANCE SAMPLE MONTHLY QUOTES

Note: Quotes shown assume Preferred Plus Underwriting Class. Actual prices may be different. You can get a free personalized quote at your convenience.

Promise PL Term Life Insurance – Sample Monthly Quotes – Male Age 30 – Preferred Plus

Coverage	10 Year	15 Year	20 Year	25 Year	30 Year
$250,000	$10.41	$11.05	$13.00	$16.36	$19.12
$500,000	$14.02	$15.49	$19.63	$25.92	$31.44
$1,000,000	$20.82	$24.59	$31.54	$44.18	$55.10

Promise PL Term Life Insurance – Sample Monthly Quotes – Female Age 30 – Preferred Plus

Coverage	10 Year	15 Year	20 Year	25 Year	30 Year
$250,000	$9.25	$10.16	$11.49	$14.02	$16.44
$500,000	$12.12	$13.76	$16.61	$21.24	$26.51
$1,000,000	$18.23	$19.97	$25.38	$35.68	$44.20

Promise PL Term Life Insurance – Sample Monthly Quotes – Male Age 40 – Preferred Plus

Coverage	10 Year	15 Year	20 Year	25 Year	30 Year
$250,000	$13.17	$14.87	$18.07	$24.76	$28.69
$500,000	$18.86	$20.48	$29.66	$42.49	$50.57
$1,000,000	$29.30	$35.15	$50.49	$78.19	$94.26

Promise PL Term Life Insurance – Sample Monthly Quotes – Female Age 40 – Preferred Plus

Coverage	10 Year	15 Year	20 Year	25 Year	30 Year
$250,000	$11.90	$13.19	$15.63	$20.91	$24.39
$500,000	$16.72	$20.05	$24.98	$34.42	$41.19
$1,000,000	$25.90	$33.62	$43.42	$62.03	$75.56

Promise PL Term Life Insurance – Sample Monthly Quotes – Male Age 50 – Preferred Plus

Coverage	10 Year	15 Year	20 Year	25 Year	30 Year
$250,000	$24.41	$30.93	$40.56	$61.20	$69.06
$500,000	$41.60	$55.49	$72.67	$106.61	$128.17
$1,000,000	$72.29	$103.24	$136.54	$201.79	$245.64

Promise PL Term Life Insurance – Sample Monthly Quotes – Female Age 50 – Preferred Plus

Coverage	10 Year	15 Year	20 Year	25 Year	30 Year
$250,000	$20.99	$24.43	$31.65	$46.96	$52.91
$500,000	$34.42	$41.22	$55.84	$81.10	$97.32
$1,000,000	$58.93	$74.37	$99.87	$151.95	$180.62

Promise PL Term Life Insurance – Sample Monthly Quotes – Male Age 60 – Preferred Plus

Coverage	10 Year	15 Year	20 Year	25 Year	30 Year
$250,000	$60.34	$78.62	$109.55	$203.15	N/A
$500,000	$110.49	$144.79	$201.25	$385.04	N/A
$1,000,000	$209.78	$279.55	$390.91	$686.80	N/A

Promise PL Term Life Insurance – Sample Monthly Quotes – Female Age 60 – Preferred Plus

Coverage	10 Year	15 Year	20 Year	25 Year	30 Year
$250,000	$43.24	$53.38	$80.11	$151.51	N/A
$500,000	$75.13	$95.20	$144.92	$279.84	N/A
$1,000,000	$137.90	$182.23	$274.88	$534.54	N/A

Promise PL Term Life Insurance – Sample Monthly Quotes – Male Age 70 – Preferred Plus

Coverage	10 Year	15 Year	20 Year	25 Year	30 Year
$250,000	$177.51	$247.98	N/A	N/A	N/A
$500,000	$316.96	$484.11	N/A	N/A	N/A
$1,000,000	$598.74	$943.41	N/A	N/A	N/A

Promise PL Term Life Insurance – Sample Monthly Quotes – Female Age 70 – Preferred Plus

Coverage	10 Year	15 Year	20 Year	25 Year	30 Year
$250,000	$117.51	$159.54	N/A	N/A	N/A
$500,000	$197.20	$297.58	N/A	N/A	N/A
$1,000,000	$366.77	$559.16	N/A	N/A	N/A

WHAT IS THE PRICE FOR PACIFC LIFE’S PL PROMISE GUL – GUARANTEED UNIVERSAL LIFE INSURANCE?

The price of a Pacific Life’s PL Promise GUL guaranteed universal life insurance policy is one of the least expensive, when compared to other industry leaders.

This is especially true when the product is guaranteed to age 100.

QUICK VIEW

Product Name:
PL Promise GUL

Minimum Policy Face Amount:
$25,000

Issue Ages:
0 to 90

Level Period:
Guaranteed to age 90, 100 or 121

PACIFIC LIFE’S PL PROMISE GUL- GUARANTEED UNIVERSAL LIFE INSURANCE UNDERWRITING CLASSES

Preferred Best No Nicotine Use
Preferred No Nicotine Use
Select No Nicotine Use
Standard No Nicotine Use
Preferred Nicotine Use
Standard Nicotine Use

PACIFIC LIFE’S PL PROMISE GUL – GUARANTEED UNIVERSAL LIFE INSURANCE ADDITIONAL RIDERS

Terminal Illness Rider
Chronic Illness Care Rider
Return of Premium Rider
Wavier of Premium Rider
Children’s Level Term Insurance Rider

Pros and Cons of Pacific Life’s “PL Promise GUL”

Pros

Competitive premiums to age 100 no-lapse guarantee and shorter – as low as age 90

Cons

None of the living benefits, the terminal illness rider or critical care illness rider are included for free. You must pay extra for these.

PACIFIC LIFE’S PL PROMISE GUL – GUARANTEED UNIVERSAL LIFE INSURANCE – SAMPLE MONTHLY QUOTES

Note: Quotes assume Preferred Plus Underwriting Class. Actual prices may be different. You can get a free personalized quote at your convenience.

Promise GUL – Guaranteed Universal Life Insurance – Sample Monthly Quotes – Male Age 30 – Preferred Plus

Coverage	Guaranteed To Age 100	Guaranteed To Age 121
$250.000	$96.42	$97.53
$500,000	$171.92	$172.97
$1,000,000	$315.05	$316.17

Promise GUL – Guaranteed Universal Life Insurance – Sample Monthly Quotes – Female Age 30 – Preferred Plus

Coverage	Guaranteed To Age 100	Guaranteed To Age 121
$250,000	$86.04	$87.74
$500,000	$147.83	$148.53
$1,000,000	$266.55	$268.46

Promise GUL – Guaranteed Universal Life Insurance – Sample Monthly Quotes – Male Age 40 – Preferred Plus

Coverage	Guaranteed To Age 100	Guaranteed To Age 121
$250,000	$144.71	$147.44
$500,000	$267.61	$270.10
$1,000,000	$501.55	$507.69

Promise GUL – Guaranteed Universal Life Insurance – Sample Monthly Quotes – Female Age 40 – Preferred Plus

Coverage	Guaranteed To Age 100	Guaranteed To Age 121
$250,000	$130.81	$136.05
$500,000	$232.17	$237.33
$1,000,000	$431.84	$443.23

Promise GUL – Guaranteed Universal Life Insurance – Sample Monthly Quotes – Male Age 50 – Preferred Plus

Coverage	Guaranteed To Age 100	Guaranteed To Age 121
$250,000	$222.94	$233.10
$500,000	$423.23	$441.69
$1,000,000	$811.16	$849.43

Promise GUL – Guaranteed Universal Life Insurance – Sample Monthly Quotes – Female Age 50 – Preferred Plus

Coverage	Guaranteed To Age 100	Guaranteed To Age 121
$250,000	$202.72	$218.44
$500,000	$371.08	$392.61
$1,000,000	$702.91	$748.28

Promise GUL – Guaranteed Universal Life Insurance – Sample Monthly Quotes – Male Age 60 – Preferred Plus

Coverage	Guaranteed To Age 100	Guaranteed To Age 121
$250,000	$357.66	$384.32
$500,000	$691.95	$745.29
$1,000,000	$1,328.72	$1,442.26

Promise GUL – Guaranteed Universal Life Insurance – Sample Monthly Quotes – Female Age 60 – Preferred Plus

Coverage	Guaranteed To Age 100	Guaranteed To Age 121
$250,000	$310.74	$337.81
$500,000	$597.97	$652.30
$1,000,000	$1,143.25	$1,257.82

Promise GUL – Guaranteed Universal Life Insurance – Sample Monthly Quotes – Male Age 70 – Preferred Plus

Coverage	Guaranteed To Age 100	Guaranteed To Age 121
$250,000	$661.02	$717.38
$500,000	$1,296.43	$1,409.19
$1,000,000	$2,504.41	$2,742.48

Promise GUL – Guaranteed Universal Life Insurance – Sample Monthly Quotes – Female Age 70 – Preferred Plus

Coverage	Guaranteed To Age 100	Guaranteed To Age 121
$250,000	$536.15	$603.33
$500,000	$1,046.81	$1,181.23
$1,000,000	$2,015.13	$2,297.02

The Bottom Line

If you are shopping around for a term life insurance or guaranteed universal life insurance policy, Pacific Life Insurance Company should definitely be on your list of options. They have some of the most competitive prices on the market, as well as accelerated underwriting programs (which could make for a quick and easy buying experience, if you qualify).