Terms and Conditions

Please carefully read this notice before you use the My Life Insurance Account Website to access information about your life insurance policy . The My Life Insurance Account Website is provided by Pacific Life Insurance Company ("Pacific Life " or "us") and may be used for informational purposes only. In order to use this Website and access your policy information, or download materials from it, you must agree to abide by the following Terms and Conditions.

Access to Policy Information

The My Life Insurance Account Website permits you to access information about your life insurance policy ("policy"). You agree that these Terms and Conditions are in addition to the provisions governing your policy with Pacific Life that remain in full force and effect. You represent on an ongoing basis that you are authorized to have access to any policy for which you have requested a user ID or password. Policy information provided on this Website is not the official record of your policy activity. Your regular policy statements remain the official record.

Policy data provided through the My Life Insurance Account Website is generally updated as of the prior business day's close of business (unless otherwise noted) and is subject to adjustment and correction.

Pacific Life reserves the right to block access to the My Life Insurance Account Website for any reason.

Excluded Products

Information regarding certain Pacific Life products may not be currently available through the My Life Insurance Account Website.

Your Pacific Life Sales Representative

In order to better serve you, we will notify your Pacific Life Sales Representative of your activity on the My Life Insurance Account Website.

User ID and password

In order to safeguard information about your policy, you agree to protect your user ID and password and not provide them to others. You agree that Pacific Life shall not be responsible for damages or loss resulting from any breach of security caused by your failure to maintain the confidentiality of your user ID or password. If you authorize third parties to access your policy information, you agree to defend, indemnify and hold Pacific Life harmless against any liability, losses, damages or costs and expenses (including attorney fees) arising out of, or resulting from, such access and use.


Email is provided to you only as a convenience, and to enhance communications between you and your Pacific Life Customer Service Representatives. Unless the specific access location says otherwise, other Internet users can access messages sent to or from this Website. To protect your privacy, please do not use email to communicate information that you want kept confidential.

Pacific Life shall have no liability for any loss or damage that arises from unaccepted email requests, orders or instructions; or for any loss or damage that results from interception and/or unauthorized use by third parties of any information you send via email.

All email messages sent by you to our Customer Service Representatives (or to you from our Customer Service Representatives) and all activity on the policy may be monitored and/or reviewed by Pacific Life and will be recorded and archived in accordance with Pacific Life 's record retention policies. These records are available for review by Home Office Employees,Pacific Life Sales Representatives and/or regulatory examiners.


Information provided on this Website is believed to be reliable when posted and Pacific Life will use reasonable efforts to include accurate and up-to-date information. However, due to the nature of the Internet, Pacific Life cannot guarantee the timeliness, accuracy, completeness or authenticity of the information contained in this Website, or its suitability for any purpose. Pacific Life will from time to time revise the information described in this Website, and reserves the right to make such changes without notice.

The materials and information in this Website are provided "as is" and are presented without express or implied warranties of any kind other than those warranties which are implied by and incapable of exclusion, restriction or modification under the laws applicable to this agreement.

User Responsibility

You agree to immediately notify us by telephone (800) 347-7787, if you become aware of the following:

  1. loss, theft or unauthorized use of your password and/or policy number(s); or
  2. inaccurate information about your policy.

If you prefer to notify us in writing, via U.S. Mail, please send it to the following mailing address:

Life Insurance Operations Center
P.O. Box 2030
Omaha, NE 68103-2030
Tel: (800) 347-7787

Business Days and Hours of Operation

You can use the My Life Insurance Account Website to access information 24 hours a day, seven days a week, except during any special maintenance periods or due to factors beyond Pacific Life 's control. See the prospectus or your policy for details. To the extent possible, we will provide prior notice on our Website of such interruptions and changes but do not guarantee that such notice will be provided.

A business day, called a valuation date in your policy, is any day that the New York Stock Exchange and our life insurance client services offices are open. It usually ends at 4:00 p.m. Eastern time. A Customer Service Representative will be available to assist you between 5:00 a.m. to 5:00 p.m.(PT) Monday through Friday by calling (800) 347-7787.

No Advice

You acknowledge that neither Pacific Life nor its employees or representatives provide tax, legal, accounting or investment advice, nor do we give advice or offer any opinion with respect to the suitability of any product or investment. This Website should not be used, or relied upon by you, as a substitute for your independent research or consultation with your own financial, legal or tax advisors. You further understand that while you may be able to access information through the Internet, the availability of such information does not constitute a warranty of the accuracy or the completeness of such information, nor a recommendation to buy or sell all or any of the securities or other products or services discussed therein.

Other Information

You agree to read the terms, conditions and content of the Legal and Privacy Statement for the Pacific Life Insurance Company Website at http://www.pacificlife.com that is incorporated into this Agreement by reference.

Amendment of this Agreement

Pacific Life may amend this Agreement from time to time. Your continued use of the My Life Insurance Account Website is your agreement to the terms of any and all such amendment(s). Therefore, you should review the Terms and Conditions of this Agreement regularly. Other than such amendments, this Agreement represents the complete understanding between you and Pacific Life regarding the use of this Website.

If you do not agree with these terms and conditions of use, please exit this Website.

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