You may be required to submit to a medical exam depending on the type of policy you’re looking for. Though Pacific Life is well-known for its universal life policies, it does offer term and other permanent life insurance policies. Pacific Life may also be a little less stringent with those who have a poor family health history or pre-existing conditions, although any of these factors will result in a higher rate.
Pacific PRIME Term; Pacific Perm ART, PL Promise Term
Pacific Whole Life
Versa-Flex NLG; Versa-Flex PRO II-CV; Pacific Estate Preserver III
Rate Classes Offered
Note that in some situations, Pacific Life will allow for specific height and weight measurements that typically fall outside the “Preferred” class to be included as Preferred, based on lifestyle and overall health.
Note that if you’re a former smoker, Pacific Life may not be the best option. Its underwriting guidelines are typically not very lenient for smokers; even former heavy smokers could experience denial or higher premiums. Although Pacific Life may be easier to work with when it comes to pre-exisitng conditions and family health history issues, smoking is not included.