Pacific Life was started in California in 1868, and adopted their signature whale icon in 1997. While their product offerings vary depending on what state you’re in, Pacific Life usually offers term life insurance, universal life insurance, life insurance with long-term care benefits, and whole life insurance for businesses.

Those interested in term life insurance can pick between level-premium or annual renewable term life insurance. With level-premium, the yearly cost will stay the same for the life of the policy (a term of 10, 15, 20, 25, or 30 years). With annual renewable, you can choose to renew your life insurance every year, but the price will increase.

Those who would rather have universal life insurance can choose from universal or indexed universal. Pacific Life also offers survivorship insurance, which is a policy that covers two people and pays a death benefit after both people pass away.

Life insurance with long-term care benefits can help the covered individual pay for extended care needs, if required. The death benefit for this policy is reduced if it is used to pay for long-term care, but if long-term care benefits are not required, the death benefit will be the full amount.

You can read all about their product offerings online, as well as get a quote for term coverage. However, Pacific Life does not offer online quotes for all policy types.