So how do you choose between the two? Though life insurance gets more expensive as you get older, Pacific Life’s rates stay competitive at every age group, including over age 60. Pacific Life offers some of the most affordable term life policies among the leading insurance carriers. Prudential and Pacific Life are two of the leading life insurance companies in America. Pacific Life refers to Pacific Life Insurance Company and its affiliates, including Pacific Life & Annuity Company. To qualify for the Pacific Life term life insurance policy, you must: Be a U.S. citizen or Permanent Resident between the ages of 18 - 80 Looking For Term Options Of 10 - 30 Years BLUERUSH, the provider of this information and interactive calculator, is an independent third party and is not affiliated with Pacific Life. AIG and Pacific Life are two of America’s largest life insurance companies, with well over 1 million policyholders nationwide. Cost of life insurance. Pacific Life offers a mix of term and permanent policies, and it specializes in universal life insurance. Insurance products and their guarantees, including optional benefits and any crediting rates, are backed by the financial strength and claims-paying ability of the issuing insurance company. Pacific Life Insurance Company is licensed to issue insurance products in all states except New York. Both companies have good consumer grades and offer competitive term life insurance rates. High confidence ratings. Use this calculator to determine how much life insurance you and your family might need. Pacific Life refers to Pacific Life Insurance Company and its affiliates, including Pacific Life & Annuity Company. Use average cost, health consideration, rider availability, and more as criteria for deciding which is the best company for your … Term life insurance. Your Edward Jones financial advisor can take a look at your current policy and offer suggestions to help you fill in any gaps in coverage or replace it entirely. So how does one go about deciding between the two? Life insurance can ensure that your family's needs will continue to be met, even after your untimely death cuts your earnings potential short. BLUERUSH, the provider of this information and interactive calculator, is an independent third party and is not affiliated with Pacific Life. Pacific Life is a product provider. Life insurance is often a lot cheaper than people think it will be.The good news is that most people overestimate the cost of a term life insurance policy by more than 3x the actual cost, according to a 2020 study by LIMRA and Life Happens.There are a number of factors that determine the cost of your premium, including:. Both have over 1,000,000 policyholders nationwide, good consumer grades, and offer competitive term life insurance rates. 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