Pacific Life combines strong financial strength with consistently positive customer results, making it one of the highest-ranked insurers in this year’s study. It stands out for its stability, ease of service, and long-term reliability - especially for customers who value predictable support and well-built policy options.
Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant.
Scott Nyerges is an insurance expert and managing editor, insurance. Previously, he was a senior insurance editor and content strategist at U.S. News & World Report, and worked for Consumer Reports, MSN and Cheapism.com.
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Pacific Life lands at No. 4 in our 2026 rankings, earning a strong 4.56 out of 5. Its performance is shaped by dependable service and consistently positive feedback across multiple categories. Customers rate the company well for trust, ease of service, and renewals — all signs that the experience holds up once the policy is in place.
Affordability is a key part of Pacific Life’s appeal. With an average annual premium of $280, the company is almost 27% cheaper than the industry average of $382, making it one of the most budget-friendly options among top-ranked insurers. For long-term policies that last 20 or 30 years, that kind of price difference can add up to meaningful savings.
What sets Pacific Life apart most is its combination of affordability, financial strength, low complaint levels, and reliable long-term support. While customer satisfaction is solid rather than standout, the company’s strong performance across renewals and trust signals a dependable experience year after year.
Pacific Life does well in most of the areas people value as policyholders. Billing is smooth, service is easy to navigate, and customers consistently rate those experiences highly. Its policy options are strong too, giving buyers plenty of flexibility when choosing coverage.
Customer satisfaction is slightly lower than that of some top competitors, but Pacific Life’s steady performance in billing, access, and overall ease of service helps mitigate this.
Here’s how Pacific Life compares to its competitors:
Pacific Life stands out when it comes to long-term loyalty. Customers report very high satisfaction — 95% would recommend the company, and trust and renewal rates hit 100%. Those are some of the strongest results in this year’s rankings.
These numbers show that people feel confident in Pacific Life’s stability and overall experience, making it a reassuring choice for long-term coverage.
Pacific Life’s strongest results come from adults who prioritize consistency, reliability, and long-term support. Seniors rate the company slightly lower. Younger adults rate the experience a bit lower, which may reflect expectations around digital tools or convenience.
How Pacific Life compares across age groups:
Pacific Life’s average annual premium is $280, which is almost 27% lower than the industry average of $382.
This makes Pacific Life one of the most affordable insurers in this year’s rankings — especially for shoppers looking for long-term coverage that doesn’t strain the budget. The combination of lower pricing and strong trust/renewal scores offers meaningful value over a 20- or 30-year policy.
Here’s how Pacific Life compares with similar competitors:
Pacific Life offers a mix of flexible and long-term options designed for affordability, stability, and long-range planning.
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Methodology
In 2025, Insure.com surveyed more than 2,000 insurance consumers through independent research firm Dynata. Customers named their life insurer and rated it on customer satisfaction, ease of service, policy offerings, billing, and their experience across different applicant types (seniors, middle-aged adults, young adults, people with pre-existing conditions, people who are overweight, and people who prefer no-exam coverage). We also asked whether they planned to keep their policy, would recommend their insurer, and trusted their insurer.
For insurers with enough survey responses, we added:
With guidance from Prof. David Marlett, Ph.D., Managing Director of the Brantley Risk and Insurance Center at Appalachian State University, we applied the following weights to determine each company’s final score:
Each insurer received a rating between 0.5 and 5 stars, with 5 stars representing the highest performance.