How do I create an account with Pacific Life?
Your policy becomes active once you sign your policy documents and pay your first premium. This allows you to register your account with Pacific Life’s online customer service portal.
Before you can create an account, you’ll have to verify your identify with the following information:
The policy owner’s Social Security number or Tax ID
Policy number
Insured’s date of birth
You’ll have to create a user ID, password, and answer security questions to complete your enrollment and create an account.
Learn more >> Read our full review of Pacific Life
What payment methods can I use to pay my Pacific Life premiums?
Pacific Life allows you to pay your life insurance premiums online via electronic funds transfer (EFT), credit card, or check. You can only use a credit card to make your first payment, and Protective only accepts checks for annual, semi-annual, and quarterly payments.
Learn more >> Ways to pay for life insurance
How often do I make premium payments?
You may pay your premiums monthly, quarterly, semi-annually, or annually, but it’s worth signing up for automatic payments if it’s available. You run a higher risk of forgetting to pay your premiums and having your policy lapse if you don’t enroll in automatic payments.
Why haven’t I seen a payment draft yet?
If you made your initial payment via EFT, you may not see the premium drafted yet because banks don’t always process drafts right away.
How do I access my Pacific Life insurance policy?
You can access your policy through Pacific Life’s online portal. Using the online portal, you can review your coverage, pay your premiums, access service forms, and more. Your beneficiaries can also use the online portal to start the claim process. Be ready to enter your user ID and password to access Pacific Life’s online portal.
What changes can I make on Pacific Life’s online portal?
The online portal allows you to make a few basic changes to your policy and account. You can:
View your policy’s details
Get a copy of your full policy
Make a payment
Change how you want to make payments
Enroll in EFT
Remove EFT and change to direct bill
Update EFT
Change your address, phone number, or email address
Change beneficiary
Change the policy’s owner
Change your name, like after a marriage or divorce
Get change forms
There is some incorrect information on my initial application that I need to update. How can I fix this?
You can usually make some small changes to your policy, like your employer’s address, your address, your occupation, and other information at any time.
However, certain changes will require that your policy be reissued, like if you disclose information showing that your health has changed significantly. This might include doctor’s visits you forgot to let your insurance company know about when you applied for coverage.
I want to make changes to my beneficiaries. How do I do that?
In order to change or add additional beneficiaries to your policy, you will have to:
Provide your new beneficiary’s full name, date of birth, and their relationship to you
Specify whether they will be added as a primary or contingent beneficiary
Make sure that the percentage of your death benefit that you choose to designate for each beneficiary adds up to 100%. For example, let’s say you want each of your four children to get an equal payment when you die. You would need to assign 25% of your policy’s death benefit to each child.
You can also activate your policy first and change your beneficiaries later on to make sure there’s no delay to your coverage.
Can I decrease coverage once my Pacific Life policy has been activated?
Yes, once your policy has been in force for one year. You must maintain a minimum value of at least $50,000.
My age on my policy is wrong. How do I fix this?
When it comes to insurance, your age changes 6 months before your actual birthday — the age on your policy is instead determined by your nearest birthday. In most cases, you don’t need to make a correction.
For example, if you were born in January, your policy would show a change in your age every July, since in July your next birthday is closer than your last one.
I want to look into a whole life or permanent life policy in the future. Can I convert my term policy to a permanent policy?
Yes, you can convert your term life insurance into a permanent life policy prior to age 70. Your policy’s fine print should tell you the steps you need to take to convert your coverage.
If you are interested in converting your policy, call Policygenius at 855-695-6655, option 3 or schedule some time that works best for you by following this link.
Learn more >> Converting your term life insurance to whole life insurance
Can I cancel my Pacific Life insurance policy?
Yes, you can cancel your policy whenever you want by speaking with Pacific Life. To cancel your permanent coverage, Pacific Life requires you to fill out a surrender request form, which you can access through your account’s online portal.
When you cancel your permanent coverage, you’ll receive a cash payment for its surrender value — this is your policy’s cash value minus any money you owe on the policy and any fees.
How does my beneficiary file a claim for a death benefit?
One of the easiest ways to file a claim with Pacific Life is by doing it online. To start a claim on Pacific Life’s website, your beneficiary will need to provide your name and date of birth, contact information for themselves, and the funeral home that handles your body after your death.
Generally, there are four steps to filing a life insurance claim. Your beneficiary should:
Collect important documents, such as your death certificate, policy document, and claim form.
Contact the insurance company.
Wait for the claim to be processed, which might take as long as 60 days.
Receive the death benefit in a lump-sum payment or in installments.
What happens if my Pacific Life term life insurance policy lapses?
If your policy lapses, you’ll lose your life insurance coverage. A lapse in life insurance coverage may happen if you don’t pay your premium before the end of your insurance company’s grace period. Your beneficiaries won’t receive a death benefit payment if your policy lapses and you die — no matter how long you’ve had the policy or how much you’ve paid in premiums.
What is Pacific Life’s grace period?
Pacific Life’s grace period is 31 days, but every state has its own rules. The grace period is the length of time that your policy stays in force after a missed payment.
During the grace period, you remain fully covered by your policy, so your beneficiaries would still receive a death benefit if you died during this time. To keep your coverage you’ll need to pay your missed premium (as well as any late fees) before the grace period ends.
How do I reinstate a lapsed policy?
If you still haven’t paid your premiums by the end of your grace period, your policy has officially lapsed and you no longer have life insurance coverage. At this point, you’ll need to contact your insurer to reinstate your policy.
Pacific Life allows you to apply for reinstatement by filling out this form (though the actual reinstatement process may change on a case-to-base basis). You’ll need to answer questions about your insurance history and health, and pay backdated premiums.
Depending on how long it’s been since your policy lapsed and whether there were any red flags in your medical history, you may have to go back through the underwriting process before your coverage is reinstated.
It’s a good idea to try to reinstate your coverage instead of buying an entirely new policy, since your rates will almost certainly be higher if you buy a new policy, given that you’ll be older than you were when you first applied for insurance, and may have new medical conditions.
How do I get in touch with Pacific Life?
You can get in touch with Pacific Life in a few different ways:
Pacific Life (Prime)
Fax: 866-398-0467
Email: policyservice@pacificlife.com
Phone: 800-347-7787
Mail: Pacific Life, 6750 Mercy Rd, 5th floor, Omaha, NE 68106
Online: You can access your online portal here.
Pacific Life (Promise)
Fax: 844- 520-1618
Email: LYNCustomerService@PacificLife.com
Phone: 844-276-5759, option 3
Mail: Pacific Life, PO Box 42001, Lynchburg, VA 24506
Online: You can access your online portal here.
