Privacy policy

Introduction

The privacy of your information is important to us. We are committed to maintaining the highest level of confidentiality with all of the information we receive through our websites.

Pacific Life has established the following Online Privacy Policy that describes how we use the information we collect from our website visitors. To learn more about how we protect information that is collected when you apply for a product or service, please refer to Our Privacy Promise.

Collection and Use of Personal Information

Visitors are not required to provide personal information to browse the information found on our websites. Personal information is only collected when you voluntarily provide it to us, for example when you first log into your account or submit personal information in an online form. Personal information may include first and last name, address, email address, telephone number, and Social Security number.

Information provided by you through our websites is used only to help maintain the business relationship you have with us, or encourage such a relationship. We do not sell information about you. We do not share your information with anyone else for their marketing purposes.

Tracking Website Visitors

Pacific Life gathers aggregate tracking information from our website visitors. This aggregate tracking information 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.
  3. Shared among Pacific Life business units to improve website content and overall service.
  4. Used for purposes of direct marketing to visitors to our website through social platforms.

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

If Pacific Life receives 'do not track' signals, we do not take any action to comply with such requests.

Website Security

Pacific Life is committed to protecting the personal information you entrust to us. That is why we use the most current encryption technology available to ensure secure transmission of your information provided through our secure log in screens and online forms.

Please understand that the Internet is not a completely secure medium of communication. Unless the specific access location says otherwise, messages sent to or from this website may be accessed by unauthorized users. To protect your privacy, please do not use email to communicate information that you want kept confidential.

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.

We do not guarantee or warrant that any part of this Website, including files available for download, are free of viruses or other harmful code. It is your responsibility to take appropriate precautions, such as the use of anti-virus software, to protect your computer hardware and software while using the Internet.

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

Updated: July 2016

Our Privacy Promise

  • We do not sell information about you.
  • We do not share your information with anyone else for their marketing purposes.
  • We use your personal information only to help maintain and grow the business relationship you have with us.

Privacy Notice to Our Customers

As our customer, you trust us to help you achieve financial success and security. We provide this notice because you have a right to know how we protect the privacy of the personal information you share with us. Your knowledge of our privacy principles and practices will confirm the trust you have placed in us.

What Personal Information Do We Collect?

The type of information that we collect depends on the type of product or service you request. This includes:

  • Information you provide on an application or other form (for example, name, address, social security number, or income).
  • Information we get from other sources such as credit reporting agencies and information to verify employment or income.
  • Information about your business relationship and history with us.
  • Medical or health information you permit us to receive from doctors or other health care providers.
  • Most of the personal information we collect is obtained from you. We collect personal information needed only to service and manage your relationship with us.

How Do We Use and Disclose Your Information?

The main use of your information is to confirm your identity in the course of business that we perform at your request. We also use your information to underwrite policies or contracts, process claims, and service your relationship with us.

Information may be disclosed to other entities that provide business services to us related to our relationship with you. This includes administrative, claims, or audit services. Examples are your producer/registered representative, 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 and grow the business relationship we have with you. For example, our business units provide administrative services, policy document preparation and delivery, and claims processing. Additionally, we may provide information to individuals and entities with whom you authorize us to share.

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.

What Medical and Health Information Do We Collect?

We may receive medical or health information about you. This may be on an application for insurance or when we process a claim, as approved by you in writing. We do not share that medical or health information among our family of companies. We do not share it with unrelated companies, except as needed to process your transactions. This may be necessary to provide services that you have requested related to your insurance coverage or payment.

How Do We Protect the Security of Your Information?

We have policies to maintain physical, electronic, and procedural safeguards to protect the confidentiality of your personal information. Access to personal information is available only to those people who need to know it in order to help service our relationship with you.

Should your relationship with us end, we will continue to follow the privacy policies described in this notice to the extent that we retain information about you. If we no longer need to retain that information, we will dispose of it in a secure manner.

Do You Need to Do Anything?

It is not necessary for you to take any action. This is because we do not share your information except to service the business relationship you have with us. You do not need to “opt-out” or “opt-in” as you may have done with other financial companies.

How Can You See And Correct Your Information?

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.

Confidentiality Practices for Victims of Domestic Violence or Abuse

Pacific Life understands that certain personal information may require special handling. This may be especially true in instances where an individual is, or has been, a victim of domestic violence or abuse. This information may include the individual’s address, telephone number, name and place of employment, and other contact or location information.

If you are a Pacific Life applicant, policyowner, insured or beneficiary, who is a victim of domestic violence or other abuse, and would like Pacific Life to take steps to further safeguard your information from others or need to remove a previously submitted request, our Customer Service Representatives are available to assist you.

  • For Life Insurance policies that have policy numbers beginning with “2L”, please call 844-276-0191 from 9:00AM-8:00PM ET.
  • For all other Life Insurance policies, please call 800-374-7787 from 5:00AM-5:00PM PT.
  • For Annuity Contracts, please call 800-722-4448, from 6:00AM-5:00PM PT.

Please direct inquiries about accessing or correcting your information to the address below:

Pacific Life Privacy Office 700 Newport Center Drive Newport Beach, CA 92660

If you have questions regarding Our Privacy Promise, please call toll free (877) 722-7848

Please have a copy of your policy or contract available when you call so we may provide you with the best service.

You may also review Pacific Life’s Online Privacy Policy.

Pacific Life will provide you a copy of our Privacy Promise annually.

Pacific Life, as referred to in this notice, includes:

Pacific Life Insurance Company Pacific Life & Annuity Company Pacific Select Distributors, LLC

Issued: April 2018