Working with Pacific Life

Service, Strength, Selection



Whether you need a fast response to a question, innovative retirement solutions, or help simplifying a concept for your client, you’ll find that doing business with Pacific Life is a straightforward and positive experience.


Consultative Wholesalers

Field Wholesalers
Deliver local, hands-on support whenever you need it.

Internal Wholesalers
Help with product positioning and illustrations, and can be reached at the phone number below.

Customer Service Representatives

Provide fast and accurate answers to questions and a quick turnaround on processing account requests.

At Pacific Life, we’re so focused on an exceptional service experience, we’ve put our commitments in writing: The Pacific Promise.

Advanced-Degree Specialists on Retirement Strategies

Retirement Strategies Group Field and Home-Office Team Members provide one-on-one assistance with complex issues such as taxation, charitable giving, contract structuring, retirement and beneficiary planning. Field team members also assist with CE and client seminars and meetings with tax and legal professionals.


To reach wholesaling support, customer service, or the Retirement Strategies Group: (800) 722-2223; In New York: (800) 748-6907


150 Years of Strength and Stability


Strong Ratings1


A+      A.M. Best    (Superior)

A+      Fitch    (Strong)

A1       Moody's    (Good)

AA–     Standard & Poor's    (Very Strong)



Pacific Life Insurance Company is relatively unique in that we are part of a mutual holding company structure. Thus, policy and contract owners are members of the company and we are not driven by stock price when making decisions. Our structure allows us to develop innovative financial solutions that evolve with the needs of the families and businesses we serve.

Explore 150 Years of Service

Socially Responsible

Beyond our business commitments, we strive to improve our communities and environment through philanthropy and volunteerism. The Pacific Life Foundation reflects our commitment to communities where Pacific Life employees live and work. The Foundation also focuses on programs that keep our oceans healthy and promote marine-mammal conservation, education, and research.

The Pacific Life Foundation

Ratings as of February 2017. For current ratings, visit These ratings do not apply to the safety or performance of the separate accounts funding Pacific Life’s variable products. These ratings reflect the claims-paying ability only and are not a guarantee of future performance.

Innovative Retirement Solutions

For Growth, Income, and Legacy Protection

An annuity is the only financial product that provides guaranteed income for life. Imagine what that could mean to your clients’ financial confidence over the years, and to their ability to continue living the lives they want to lead.


Fixed Annuities  

Our suite of traditional and fee-based fixed annuities provide predictable income, safety of principal, and some offer growth potential without being invested in the market.

  • Traditional fixed annuities
  • Fixed indexed annuities
  • Single-premium immediate annuities
  • Deferred income annuities
  • Optional benefits that offer lifetime income and death-benefit protection available for an additional cost.

Variable Annuities

Our suite of traditional and fee-based variable annuities is straightforward and easy to learn because in most products, we offer:

  • The same core investment options.
  • The same optional benefits for lifetime income, principal protection, and enhanced death-benefit protection available for an additional cost.
  • The ability to add an optional lifetime income or principal-protection benefit after issue, subject to availability.
  • A standard return-of-premium death benefit.

Let's Talk!

Pacific Life has helped millions of people achieve their retirement goals for more than 150 years. Let's talk about how we can help you build the future your clients envision.

For more information, visit, and

Standard & Poor's Global Ratings provides independent financial information, analytical services, and credit ratings to the world’s financial markets. For more information on Standard & Poor’s, visit

Investors should carefully consider a variable annuity's risks, charges, limitations, and expenses, as well as the risks, charges, expenses, and investment goals of the underlying investment options. This and other information about Pacific Life are provided in the product and underlying fund prospectuses. These prospectuses should be read carefully before investing.

Pacific Life, its distributors, and respective representatives do not provide tax, accounting, or legal advice. Any taxpayer should seek advice based on the taxpayer's particular circumstances from an independent tax advisor or attorney.

Pacific Life is a product provider. It is not a fiduciary and therefore does not give advice or make recommendations regarding insurance or investment products.

Pacific Life refers to Pacific Life Insurance Company and its affiliates, including Pacific Life & Annuity Company. Insurance products are issued by Pacific Life Insurance Company in all states except New York and in New York by Pacific Life & Annuity Company. Product availability and features may vary by state. Each insurance company is solely responsible for the financial obligations accruing under the products it issues. 

Variable insurance products are distributed by Pacific Select Distributors, LLC (member FINRA & SIPC), a subsidiary of Pacific Life Insurance Company (Newport Beach, CA) and an affiliate of Pacific Life & Annuity Company. Variable and fixed annuity products are available through licensed third parties.

No bank guarantee • Not a deposit • Not FDIC/NCUA insured • May lose value • Not insured by any federal government agency