Term Life InsuranceTerm Life Insurance
Pacific LifePacific Life
Smooth underwriting experience with best-in-class scuba diving flexibility.
Pacific Life
Smooth underwriting experience with best-in-class scuba diving flexibility.
About Pacific Life
Pacific Life has served policyholders since 1868 and operates as a mutual holding company — meaning there are no shareholders, and profits support long-term policyholder value. Rated A+ (Superior) by AM Best, Pacific Life is a preferred carrier for clients who plan to eventually convert their term policy to permanent life insurance, offering a seamless conversion path with no new underwriting required.
PL Promise Term
Smooth underwriting experience with best-in-class scuba diving flexibility.
Product Details
Key Features
PAL+ Smart Underwriting
Applicants aged 18–60 may qualify for up to $3 million without a lab exam through Pacific Accelerated Life+ (PAL+). If an exam is needed, the system automatically routes you to the lightest possible review path.
Seamless Conversion to Permanent
Convert to a Pacific Life Universal Life policy (PL Promise Conversion UL) before age 70 — no new health exam required. Protects your future insurability regardless of what happens to your health after issue.
Scuba Diving Friendly
Recreational scuba divers diving to depths under 130 feet still have a strong chance of qualifying for Preferred Best rates — an area where most carriers impose flat extras or declinations.
Best For
Clients who want high no-exam coverage limits, enjoy scuba diving, or plan to convert their policy to permanent coverage in the future.