Pacific Life Reviews 

They declined me. And I met there guide lines. They only want perfectly healthy people. Along with that they want all of your personal information, I never should have called them them , they are a piece of shit company.

**Pacific Life Insurance Review: A Masterclass in Corporate Arrogance and Unprofessionalism**

As a law enforcement officer with over two decades of service, I’ve developed a finely tuned sense for when someone—or some *entity*—is overreaching and abusing authority. I recently began exploring supplemental life insurance options beyond my agency’s underwhelming offerings. On Tuesday, July 14th, after inquiring through Zander Insurance, a Pacific Life agent contacted me. What followed was not a professional consultation but a textbook example of why this company deserves every bit of skepticism it receives.

I have zero hesitation providing a complete medical history from birth to my current age of 41. Transparency in underwriting is reasonable. What is *not* reasonable—and what I find profoundly insulting—is the company’s demand for exhaustive financial disclosure: bank statements, home details, full financial history, driving records, and essentially every scrap of personal data short of my DNA profile. Pacific Life apparently believes that because they are a “big player,” customers should simply surrender their entire lives for inspection, waiving privacy rights so their bureaucrats can paw through documents like probation officers with a search warrant.

Let me be perfectly clear, as only a law enforcement professional can: There is a categorical difference between providing sensitive information to legitimate governmental authority under strict legal protocols and handing it over to a profit-driven insurance company on a fishing expedition. The condescension dripping from their process is staggering. They offered no coherent explanation for why my full financial life needed to be exposed beyond vague mutterings about “underwriting rules.” A basic credit check to flag bankruptcies or fraud risks? Understandable. Demanding my entire financial portfolio like I’m applying for a classified clearance? That’s not due diligence; that’s entitlement wrapped in corporate jargon.

Other reputable providers I spoke with had no such invasive requirements. Yet Pacific Life couldn’t even articulate a legitimate purpose. Instead, they simply expected compliance. How delightfully arrogant. No wonder this company maintains its supposedly “high ratings”—those metrics likely reflect balance-sheet stability built on collecting premiums from people who don’t push back, not on customer respect or service quality.

The agent interaction itself was a farce. Repeated requests to spell my address, restate my employment details, and clarify basic information—multiple times—while children played audibly in the background. If you’re going to cold-call potential clients, at minimum secure a quiet professional environment. Asking a customer to repeat themselves three or four times because you can’t hear over the chaos is not only unprofessional; it’s disrespectful of the client’s time and intelligence. I was in a controlled, quiet setting. The least one might expect is reciprocity.

In short, Pacific Life exemplifies everything wrong with certain corners of the insurance industry: invasive overreach masquerading as standard procedure, paired with sloppy execution. I terminated the conversation immediately and will never consider them again. Law enforcement professionals—and anyone who values their privacy and dignity—would do well to look elsewhere. There are better options that treat customers as partners rather than suspects whose lives must be laid bare for corporate convenience.

**Strongly recommend avoiding. Zero stars.**

Terrible company. Google lawsuit filed from Kyle Busch. Wish I could find a attorney to file class action lawsuit for us smaller people. Same issue.

I have filed a short term disability claim and yet no respond and keep getting the same response from the outsources from different countries south Africa is one and states, they all were nice and cooperative and will send a note to the claims Dept and states that the information from therapist was it uploaded to send my funds. My therapist(JB Strong) has sent the information 3 times and I started my short term 3/27 - 4/22. Please help Claim #EC6179? Terence Smith.

Like many have said here, they are inconsistent with their policies and requirements when insuring. You comply with every request and they still have you jump through hoops to delay and hope you give up.

I have been trying for months to get $67 from my mother’s annuity after her death. I have gotten the runaround and have had to call numerous times. I received a Next of Kin form to complete and mail in - they refuse to do any business over email. I completed the form and had it returned as I completed the line “Social Seccurity Number” with my SS# and the line “Relationship to Deceased” with “Son”. Apparently, I was magically supposed to know that I should have completed the lines with the estate’s tax ID # and the name of the estate. In addition, they did not enclose a new form to complete or an address to send the new form to. I called AGAIN since I could not find the form on their website. They promised to fax it to me and 5 days later, I have still not received it. You win Pacific Life, you win. You have worn me down. I give up. You clearly need the $67 more than my siblings and I do.

Customer support is terrible . They have support personnel that have very thick and hard to understand accents . On top of that they sound so far away you can hardly hear them.
The reason for the call is they changed my draft date and won't change it back . So I have to pay double payments to get them to change to another draft date different from the one I started with . So very frustrating!! They can change dates without money but I have to be double charged for me to change dates !!!! Unbelievable!

Disappointed and Denied Without Proper Review

My experience with Pacific Life Insurance was extremely frustrating and disappointing. I was denied coverage without any prior notice or explanation. After investigating, I found out the decision was based on a misdiagnosis in my medical records—something that could have easily been clarified had they reached out. There was no attempt to verify the information or give me a chance to respond. For a company that deals with something as important as life insurance, this lack of transparency and professionalism is unacceptable. I cannot recommend Pacific Life as a trustworthy provider.

I called looking for my policy number. Customer service would not provide it for me even tho I answered all the security questions correctly. Then she hung up on me. I work in customer service, and this was WILD to me.

Should be negative xero star ability.
Was only remaining heir to about $30k life insurance policy. (& They are FULLY AWARE that this is likely) But aunt developed cognitive functions fairly rapidly, upon following up on notes to me, pac life continued to come with "policy lapsed" (well of course it lapsed she wasn't paying almost everything in this state & your little $300-$400 in monthly fee totals dont justify robbing a overworked family of $30,000 for a few hundred in fees low, shady, and dispicable)

Pacific Life has taken over my pension plan payments. I need withholding tax taken before payment of my pension. It has taken over a month for Pacific Life to make the change. I have called the help line four times with still no resolution. The staff are polite but hugely ineffective.

I made rhe mistake of contacting them about a claim related to a pension fund I had. Soon after I realised that I didn't actually have a claim to make and one day after my initial and only contact I cancelled everything. Now I can't get rid of them. In spite of phone calls and email I've made to them they persisted in phone messages and now I'm receiving text messages and emails. Avoid this company completely.

I had a variable annuity with Pacific Life for over 14 years. I decided it was time to transfer my IRA to Charles Schwab because the return on my investment was weak, and I was around 600.00 a year in fees. After I completed the application with Charles Schwab, the company contacted Pacific Life to request the transfer. Pacific Life transferred my account to Charles Schwab. This is when the nightmare began. Someone at Pacific Life made a mistake. The funds shouldn’t have been sent until they received a custodial release from the investment advisor, who was the custodian on the account. Pacific Life realized they made a mistake and recalled the funds from Charles Schwab. The funds were transferred for the first time to Charles Schwab around March 24th. The funds finally made it to Charles Schwab around May 9th. It took six weeks to complete the transaction, which should have taken a few days. Over the six weeks, I talked to more than 12 customer service people and managers. The market had changed during the six weeks when the check finally showed up at Schwab. My account had lost about 675.00 in value. I explained my situation to Luke, a manager at Pacific Life. He had little empathy for my poor experience or the financial loss, even though his company made a mistake that cost me money, time, and frustration. My suggestion is to keep looking if you're considering Pacific Life.

HORRIBLE, HORRIBLE CUSTOMER SERVICE. I have been attempting to get financial documents for my Mom's medicaid application since Nov 1. It is now December 21 - no documents. I have jumped through all of their hoops. They said they would mail the document - it never arrived. Then they said they would fax the document - it was never received. Then they said they would have manager call me by today - and that never happened. You can't get an actual person to own your request. There is no follow-through and each time you have to call in, there is a 45 minute wait and you have to explain the situation all over again.

Got a good insurance rate for term life. They don't notify you before scheduled payments. The website is basic and the billing history doesn't actually show history. Nobody ever responds to emails. I would leave but now rates are higher everywhere else.

AVOID at all costs. This place hunted me down for a policy I never knew I had. Refuse to pay and keep adding conditions to get it. Can't trust anything they tell you! Not only is this review TRUE but it was also written once I knew I was never getting nothing. I'll be back

Before my father passed he told me of two Pacific Life insurance policies. After his death I contacted Pacific Life multiple times and multiple times they told me there was only one. After so many calls and time wasted, I finally accepted what they said and redeemed the one policy. Nearly a year went by and I received a letter addressed to my dad notifying him of an RMD on a policy. Thankfully, I had his mail forwarded to my home. Again, I called Pacific Life and at first they denied it and I had to argue and argue. Finally they "found" the policy and made good on it. No admittance of error or apology. Don't trust Pacific Life.