Carrier Solvency & Financial Strength
Pacific Life Review & 2026 Ratings
Consistently ranked #1 in overall indexed universal life sales volume; exceptional financial strength and customer service.
A.M. Best Rating
A+ (Superior)
S&P Financial Rating
AA-
Year Founded
1868
Operating Scale
50 States
Marcus Vance, CLU®, ChFC®
NPN #19402851 Verified
Director of Wealth Preservation & Annuity Strategy • Chartered Life Underwriter (CLU®) • Chartered Financial Consultant (ChFC®)
Fact-Checked & Audited: September 2026
•
Actuarially Reviewed by Sarah Jenkins, Esq.
•
Pacific Life Flagship Product Portfolio
Pacific Discovery Xelerator IUL 2
A+ Backed
Horizon IUL
A+ Backed
Pacific Index Foundation
A+ Backed
Asset Protection & Probate Shield • Your Area
Shield Your Real Estate & Insurance from State Probate
Without a revocable living trust, your estate may be frozen in state probate courts for 6–18 months. Create legally binding, attorney-backed digital trust documents customized for Your Area statutory laws.
✓ Complete Online in 15 Min
•
✓ Valid in All 50 States
•
✓ Avoid Probate Fees
Claim Free Estate Review →
State Statutory Compliant