Please carefully read this notice before you use the Lifeline Website. If you do not agree with the following conditions of use, please exit this Website. By using this Website, you signify that you agree to these terms of use.

Website Content
Pacific Life Insurance Company ("Pacific Life") created this Website for the use of its appointed life insurance producers. The Website does not, and it is not intended to, provide any financial, insurance, legal, accounting, or tax advice, and shall not be relied upon by you in that regard. The Website shall not be used, or relied upon by you, as a substitute for your independent research or professional advice that is provided to you in direct consultation with a Pacific Life representative.

The information, text, graphics and links provided in this Website are provided by Pacific Life as a convenience to you, our appointed life insurance producers. Pacific Life will use reasonable efforts to include accurate and up-to-date information. However, due to the nature of the Internet, Pacific Life does not warrant and cannot guarantee the accuracy, completeness or authenticity of the information contained in this Website, or the information, text, graphics, links, Website functionality, and other items contained on this server or its suitability for any purpose.

Pacific Life does not warrant that the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this Website or the server that makes it available is free of viruses or other harmful components as such information is received by you because Pacific Life cannot control the transmission of information over this medium. Pacific Life does not warrant or make any representations regarding the use of, or the results of the use of, the materials on this site, or your transmission of any software, data or information from the Website to you.

Information provided on this Website is believed to be reliable when posted. However, we cannot guarantee that information will be accurate, complete and current at all times. This Website could include technical inaccuracies or typographical errors. Pacific Life will from time to time revise the information, products and services described in this Website, and reserves the right to make such changes without notice.

The use of this Website is entirely at your risk. The materials and information in this Website (including text, graphics, and functionality) are presented without express or implied warranties of any kind and are provided "as is". It is your responsibility to evaluate the accuracy, completeness and usefulness of any opinions, advice, services or other information provided.

Pacific Life intends for the information contained in this Website to be accurate and reliable. However, errors sometimes occur. Therefore, Pacific Life to the full extent permitted by applicable laws disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose as to any matter whatsoever relating to this Website or the information contained herein.

To the full extent permitted by applicable laws, in no event shall Pacific Life, its agents, employees, directors, and officers be liable for any damages of any kind caused to any person as a consequence of the use of this Website including but not limited to any direct, special, incidental, indirect or consequential damages of any kind including but not limited to loss of use, loss of data or loss of profits, whether or not advised of the possibility of such damage, or based upon any theory of liability, arising out of or in connection with the use or performance of this Website or the information contained herein. We will not be responsible for any detrimental reliance that you may place upon the Website or its contents.

Life Insurance Product Availability
Unless otherwise specified, the materials in the Website are presented solely for the purpose of educating the user about the products and services of Pacific Life’s Life Insurance Division. Nothing in this Website constitutes an offer to buy or sell products or services of Pacific Life Pacific Life makes no representation that any or all of the materials in the Website are appropriate or available for sale in any or all locations. Not all products and services described are available in all states of the U.S. or the world. No life insurance, security or other product offered by Pacific Life is offered or will be sold in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the insurance or securities laws or other laws of such jurisdiction. No such security or product is offered or will be sold in any jurisdiction by an entity which is not properly licensed to do so in such jurisdiction. Some products may not be available in all states. In addition, any prospectus information available on this Website is posted for informational purposes only.

Those who choose to access this Website do so on their own initiative and are responsible for compliance with state, local and foreign laws, if and to the extent such laws are applicable.

The life insurance and variable life insurance products referred to in this Website may be offered and sold only to persons in the United States. Variable life insurance products are distributed by Pacific Select Distributors, Inc., (member FINRA & SIPC), a subsidiary of Pacific Life.

This Website is provided for the personal viewing of our life insurance producers and Pacific Life maintains all copyrights in the text, buttons, layouts, graphic images and logos contained in this Website. Except as stated herein, no portion of this Website or its contents may be reproduced, copied, republished, altered, or transmitted, uploaded, downloaded, or posted in any form or by any means, electronic, mechanical, photocopying, recording, or otherwise, without the prior written permission of Pacific Life Insurance Company.

Modification of the materials or use of the materials for any other purpose is a violation of Pacific Life's copyright and other proprietary rights. The use of any such material on any other Website or networked computer environment is prohibited.

You may print a copy of the information contained herein for your personal use only, but you may not reproduce or distribute the text or graphics to others or substantially copy the information on your own server, or link to this Website, without prior written permission of Pacific Life Insurance Company.

An acknowledgment of the source must be included whenever our materials are copied or published. Any infringement of our rights will result in appropriate legal action. Pacific Life disclaims any and all liability which may result from any unauthorized reproduction or use of the information on this site.

License and Reproduction
Permission is granted to print copies of portions of this Website, but not the entire Website, and to display and navigate around this Website with a computer using HTML browser software, solely for personal, non-public use. Any commercial or public use of this Website or any portion hereof is strictly prohibited. Permission is also granted, on a non-exclusive basis, until Pacific Life gives notice to the contrary, to include a link to the Uniform Resource Locator (URL) of this Website in HTML documents which you prepare, subject to the following conditions: (a) the URL may be used only for the purpose of hyperlinking to Pacific Life's Lifeline home page at ""; (b) the URL shall be clearly identified as being a link to a Website owned and operated by Pacific Life or its affiliated companies; and (c) you will make no other use of any Pacific Life intellectual property, other than the URL, without Pacific Life Insurance Company's express written permission.

Trade Marks
The logo shown here for Pacific Life is a registered trade mark of Pacific Life Insurance Company. Unless otherwise indicated, all trademarks, service marks, and trade names are proprietary to Pacific Life or its affiliates. Pacific Life enforces its intellectual property rights. Use in commerce other than as "fair use" is prohibited by law except by express license from Pacific Life.

Other parties' trademarks and service marks that may be referred to herein are the property of their respective owners.

Because of the marked increase in the fabrication and proliferation of computer viruses affecting the Internet, we want to warn you about infections or viral contamination on your system. It is your responsibility to scan any and all downloaded materials received from the Internet. Pacific Life is not responsible or liable for any damage caused by such hazards.

Pacific Life companies cannot and do not guarantee or warrant that files available for downloading from this Website are free of viruses, worms, Trojan horses or other code that has contaminating or destructive properties. Pacific Life companies do not make any express or implied warranties, representations or endorsements whatsoever (including without limitation warranties of title, non-infringement or fitness for a particular purpose) with respect to the files available for downloading from this site. In no event will Pacific Life be liable to you or to anyone else for any decision made or action taken by you or anyone else in reliance on results obtained from use of files downloaded from this site.

To protect information, Pacific Life uses three layers of security: Users are required to login using a unique user ID and password. Each user ID and corresponding password can only be used by one individual user. The user agrees to assume sole responsibility for the security of their user ID and password. If the user believes that any user ID and/or password are being used by someone other than an authorized user, the user must notify Pacific Life immediately.

  • A firewall (a combination of computer hardware and software) keeps unauthorized users from accessing information within Pacific Life’s computer network.
  • Encryption technology is used to secure data when it’s being transferred from one computer to another.

The information submitted in connection with Lifeline is protected through encryption technology. However, all other information submitted to Pacific Life, including electronic mail inquiries, is submitted through the Internet, which is an unsecured, public network.

Actual or attempted unauthorized use of the Site may result in criminal and/or civil prosecution. Pacific Life reserves the right to view, monitor, and record activity on the Site without notice or permission from the user. Any information obtained by monitoring, reviewing, or recording is subject to review by law enforcement organizations in connection with investigation or prosecution of possible criminal activity on the Site. Pacific Life will comply with all court orders involving requests for such information.

You acknowledge and confirm that the Internet is not a secure medium where privacy can be ensured, and that complete security and confidentiality over the Internet is not possible at this time. Your confidential use of the Website cannot be guaranteed and you acknowledge that your use of the Website (including information you transmit to the Website) may be subject to access by, or disclosure to, other persons. Without limiting any other disclaimer herein, Pacific Life shall not be responsible or liable for any harm that you or any other person may suffer in connection with any such breach of confidentiality or security.

Linked Websites
Other Internet or Websites which may provide access to this Website by hypertext links ("hyperlinks") are entirely independent of this Website. Links to other Internet or Websites from this Website are included as a convenience for our visitors and in no way are meant to imply that Pacific Life endorses, sponsors, promotes or is affiliated with the owners of or participants in those sites, or endorses any information contained on those sites, unless expressly stated. Pacific Life does not guarantee the accuracy of any information in these other sites nor does it assume any liability for the content or presentation of linked sites.

Pacific Life cannot guarantee that the hyperlinks set out on our Website will be accurate at the time of your access. Moreover, the sites pointed at by hyperlinks have been independently developed and possibly maintained by person(s) over whom Pacific Life has no control. Pacific Life cannot and does not monitor the sites linked to its pages on the Internet or any transmission made through the respective web pages and news groups. Accordingly, Pacific Life assumes no responsibility for the content of any site referenced to by any hyperlink or otherwise. Pacific Life believes that our making available hyperlinks to publicly accessible web pages is legally permissible and consistent with the common, customary expectations of those who make use of the Internet.

Effective 7/1/2004
Information provided by you through our Websites is used only to help transact the business you have with us.

Privacy is a top priority at Pacific Life. We are committed to maintaining the highest level of confidentiality with all of the information we receive through our Websites.

You are not required to provide personal information to use Pacific Life Websites except where expressly stated. Certain features may require you to submit personal information in order for those features to function (e.g. First Time User login). Such information might include first and last name, a physical address, an email address, a telephone number, and social security number.

Personal information may be disclosed to other entities that provide business services to us related to our transactions with you. This includes administrative, claims, or audit services. Examples are your agent, broker, or a reinsurance company. Before we disclose your information, these entities must agree to keep it private.

We may also share information within our corporate family to service your business. For example, our business units provide administrative services, policy document preparation and delivery, and claims processing.

If necessary, we disclose information when it is required by law. An example is a routine filing to the Internal Revenue Service (such as a Form 1099). We may also disclose certain information to other entities to help us report or prevent fraud. Examples are reports to a regulatory or law enforcement agency.

Generally, you have the right to review the personal information we have about you. You must request this in writing. We will not disclose information we have collected in connection with a claim or lawsuit. If you believe that any of the information we have is in error, you may write us and request a correction. Where justified, corrections will be made.

Pacific Life and representatives are committed to respecting the privacy of your personal information.

The portions of our Websites that require you to input personal information employ the most current encryption technology available to ensure secure transmission of your information. However, if you are concerned about the security of the Internet for the communication of personal information, you may consider using alternative forms of communication such as telephone, fax, or regular mail.

Please review this Online Privacy Policy frequently as it may change at any time at Pacific Life’s sole discretion.

Governing Laws
The applicable laws of the state of California shall govern as to the interpretation, validity and effect of this Agreement and any use of the Website, without giving effect to any principles of conflicts of law. If any provision of this agreement shall be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from this agreement and shall not affect the validity and enforceability of any remaining provisions. You hereby consent and submit to the non-exclusive jurisdiction of the courts of the state of California in any action or proceeding instituted under or related to this Agreement or your use of this Website.

Service Request Forms
Any information requested is for our internal use to service your request, so that we may access your customer information. It is not shared with any third party, unless permitted by you or required by law.

Interactive Forms or Calculators
Any interactive forms or calculators on this Website are there for your information only. Pacific Life tracks, retains and/or uses any of the data input into these forms for our internal use only.

Aggregated Tracking Information
This Pacific Life Website collects no personally identifying information about individuals except when specifically and knowingly provided by such individuals. Pacific Life will not release any of said information about you without your permission, unless permitted or required by law.

Pacific Life gathers two types of information about people who visit our site: data you provide through optional, voluntary contact request forms; and aggregated tracking information such as IP address and home server information.

To enable us to continually improve on the content we offer our users, as well as for systems administration purposes, we collect aggregate information site-wide. This gives us an idea of which parts of our Website users are visiting. We do not link IP addresses to anything personally identifiable, which means a user’s session will be tracked, but the user will be anonymous.

Information Collection and Use
Pacific Life routinely gathers data on Website activity, such as information about Website visitors, to improve the caliber of online information and services offered. There are two forms of data that Pacific Life collects: Website visitorship data and personal information voluntarily provided to us by Website visitors.

Website visitorship data is (1) collected on an aggregate, anonymous basis, which means no personal information is associated with this data; (2) gathered through the use of Web server logs and cookies. A Web server log is a file where Website activity is stored. A cookie is a small piece of information that a Website sends to a visitor’s computer, which is stored on his or her hard drive. Pacific Life uses cookies to track repeat visits to its Website. Although Pacific Life assigns a cookie to a visitor’s computer, the company does not know who that visitor is unless that person specifically tells us; and (3) shared among Pacific Life business units to improve Website content and overall service.

Pacific Life welcomes your comments regarding our Website. While we do value your feedback, we ask that you not submit to us any suggestions, materials, ideas or creative concepts for new, modified or different products or services via this Website. Pacific Life requests this in order to avoid confusion in the future regarding the origin of the concept, product or service.

If, despite our request that you not send us any creative materials, you in fact send us creative suggestions, ideas, concepts or other information (collectively, the Information), such Information shall be deemed by Pacific Life to be, and shall remain, the property of Pacific Life. None of the Information shall be subject to any obligation of confidence on the part of Pacific Life and Pacific Life shall not be liable for any use or disclosure of any Information. Without limiting the foregoing, Pacific Life shall exclusively own all rights to the Information of every kind and nature and shall be entitled to unrestricted use of the Information for any purpose whatsoever, commercial or otherwise, without compensation to the provider of the Information.

Other Service Mark/Trademark Information
Adobe and Acrobat are trademarks of Adobe Systems Incorporated and are used with permission from Adobe Systems Incorporated.
Real Audio is a trademark of RealNetworks, Inc. and is used with permission from RealNetworks, Inc.

Microsoft, Windows, Windows NT, MSN, The Microsoft Network and/or other Microsoft products referenced herein are either trademarks or registered trademarks of Microsoft Corporation and are used with permission from Microsoft Corporation.