Online Privacy Policy


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 unless you take action on the website such as starting an application or requesting a quote.
  2. Gathered through the use of Web server logs, cookies, and pixels. 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. A pixel is a tiny piece of code that has been incorporated into each of our web pages. The pixels record information about a user’s browsing session and may be used by Pacific Life or Third parties for Pacific Life’s marketing or business purposes.
  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 or email campaigns.

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 unless a user takes action on our webpages such as requesting a quote or starting an application.

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.

Reviewed: December 2022

Our Privacy Promise

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

Privacy Notice to All

Whether you are a customer, prospective customer, or have another relationship with Pacific Life, you have entrusted us to safeguard your personal information. We are providing this privacy notice to assist you in understanding the types of personal information we collect, where we receive it, how we use it, and how we protect the privacy of the personal information shared with us.

Where Do We Get Personal Information, Why Do We Collect It, and What Do We Collect?

Most of the personal information we collect is obtained with consent directly from you, from one of our customers, from an organization with whom we do business that has authority to share such information, or through other authorized sources. We primarily collect personal information to confirm your identity and manage your relationship with us. The type of information that we collect depends on our relationship with you.  This includes:

  • Information you or a person on your behalf provides on an application or other form (for example, name, address, social security number, or income);
  • Information we get with your consent from other third-party sources such as credit reporting agencies, information to verify employment or income;
  • Information about your relationship and history with us;
  • Medical or health information you permit us to receive from doctors or other health care providers;
  • Information on your interactions with our websites

Pacific Life will provide you an updated notice if the types of personal information we collect, or use, is materially different, unrelated, or incompatible with this notice.

How Do We Use and Disclose Your Information?

We use and disclose information to provide you with customer service, to assist with the selection of the products or services we offer, to provide you our products or services, to develop or improve our products or services, for legal or compliance purposes, or as required or permitted by applicable law.

We may share information within our corporate family to service and grow the relationship we have with you. Additionally, we may provide information to individuals and entities with whom you authorize us to share such information. If necessary, we disclose information when it is required by law, for example, a filing to the Internal Revenue Service (such as Form 1099). We may also disclose certain information to other entities to help us report or prevent fraud, including reports to regulatory or law enforcement agencies. We do not share medical or health information among our family of companies or with unrelated companies, except as needed to maintain and process your transactions.

Pacific Life may disclose your personal information to a third party for a business purpose. When we disclose personal information for a business purpose or as you authorize, we require the recipient to keep that personal information confidential and not use it for any purpose except performing the service. Categories of third parties that may be given access to your personal information will depend upon your unique relationship with us. Examples of these categories include:

  • Consultants and contractors (e.g., external auditors)
  • Financial services professionals
  • Software service providers
  • Attorneys and other legal professionals
  • Cloud service providers
  • Regulatory agencies
  • Third-party administrators
  • Providers of Accommodations
  • Providers of Transportation
  • Event Facilitators
  • Event Coordinators
  • Members of Concierge Services

How Do We Protect the Security of Your Information?

We have policies that maintain the physical, electronic, and procedural safeguards to protect the confidentiality of your personal information. Access to your personal information is limited to those who need to know it 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. We will store your personal data in accordance with applicable laws or regulatory requirements and retain data for as long as necessary to fulfill those purposes for which the personal data was collected. 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 and grow 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 because we do not sell your information.

How Do You Correct Your Information?

If you'd like to correct information that you provided to us, contact the appropriate customer service department as indicated on our Contact Us page. Our representative will make the appropriate adjustments to our records. If you wish to correct personal information provided to us by a third party (such as a consumer reporting agency) the representative will provide you with the applicable third-party's contact information.

You May Request Your Information

You may request what information Pacific Life has collected about you and its purpose. We will provide a response once we receive and confirm your request.

All requests must provide sufficient information to allow us to reasonably verify your identity. We require a signed authorization form providing specific personal information that we should have on file for you. To verify your identity, we will compare the information provided to the information we have on file. Your name, address, and relationship with Pacific Life are mandatory data elements and will be used in combination with other information such as your policy/contract/account number, date of birth, social security number and email address. You do not need to create an account to request your information; request forms are available for download on 

You may choose to authorize an agent to make a request on your behalf. In addition to submitting a request form, an agent must also supply one of the following documents:

  • Court document showing authority to act on your behalf; or
  • Copy of agreement/other document granting them authority to make requests on your behalf. (Subject to additional verification by Pacific Life Insurance Company)

For more information about submitting a request, please use one of the following methods:

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 844-276-0193 from 9:00AM-8:00PM ET
  • For all other Life Insurance policies, please call 800-347-7787 from 5:00AM-5:00PM PT
  • For Annuity Contracts, please call 800-722-4448, from 6:00AM-5:00PM PT
  • For Pensions or Institutional Clients, please call 800-800-9534 from 5:30AM-2:00PM PT

Pacific Life, as referred to in this notice, means Pacific Life Insurance Company and its affiliates and subsidiaries, including, but not limited to, Pacific Life & Annuity Company, and Pacific Select Distributors, LLC.

Residents of California

The information below supplements Our Privacy Promise and applies to residents of the State of California. The California Consumer Privacy Act of 2018 (CCPA) defines categories of personal information as the following:

Information Categories and Examples
Personal Identity, Financial, and Personal Health
  • Name
  • Alias
  • Address
  • Signature
  • Driver's license
  • Email address
  • Social Security number
  • Medical information
  • Health insurance information
Protected Classification Characteristics
  • Race
  • Ancestry
  • Citizenship
  • Marital status
  • Medical condition
  • Physical or mental disability
  • Sex (including gender, gender identity)
Commercial Information
  • Personal property
  • Products or service purchased
Biometric Information
  • Genetic characteristics
  • Physiological characteristics
  • Biological characteristics
Internet or Other Similar Network Activity
  • Information on your interaction with our websites
Sensory Data - Audio, Electronic, Visual, Thermal, Olfactory or similar information
  • Voice & Video Recordings
  • Photographs
Professional or Employment-Related Information
  • Current or past job history
Inferences Drawn from Personal Information
  • Profile created by analyzing information provided (for example, underwriting analysis)

Pacific Life obtains the categories of personal information listed above from the following categories of sources:

  • Directly from you or someone on your behalf
  • Healthcare professional or firm
  • Financial service professional or firm
  • Publicly available records
  • Family member, dependent or beneficiary
  • Other third parties (e.g., consumer reporting agency, credit reporting agency, staffing agency, companies that provide services to us)
  • Analytical technology (e.g., internet usage, cookies, or automated underwriting technology)

Pacific Life may disclose all categories of personal information as necessary or appropriate with the following categories of third parties:

  • Consultants and contractors (e.g., external auditors)
  • Financial services professionals
  • Software service providers
  • Attorneys and other legal professionals
  • Cloud service providers
  • Regulatory agencies
  • Third-party administrators

Pacific Life may disclose Personal Identity, Financial, and Personal Health and Protected Classification Characteristics information as necessary or appropriate with the following categories of third parties

  • Providers of Accommodations
  • Providers of Transportation
  • Event Facilitators
  • Event Coordinators
  • Members of Concierge Services

You may request Pacific Life to delete personal information that we have collected and retained. Once we receive and confirm the request, we will delete (and direct our service providers to delete) your personal information from our records, unless an exception applies. We will not discriminate against you for exercising any of your rights. Please see the You May Request Your Information section above for more information on how to submit a deletion request.

Please be aware that certain legal and regulatory requirements require us to retain your personal information for a specific period of time which may impact our ability to process your deletion request. If your policy/contract is currently in force, we are unable to process a deletion request as the information is required to service our relationship with you. If your policy/contract is not in force, we must retain the information for a period of time after the termination or application denial date of the policy/contract.

Updated 12/05/2022