Terms of Use

Please carefully read this notice before you use this Website. This Website is provided by Pacific Life Insurance Company (“Pacific Life”). By using this Website and its features, you agree to abide by the following terms and conditions. If you do not agree with the following conditions of use, please exit this Website.

Website content

Pacific Life created this Website to be used by the general public and our policyholders. The Website does not, and it is not intended to, provide any financial, legal, accounting, or tax advice, and must not be relied upon by you in that regard. The 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.

The information, text, graphics, and links provided in this website are provided by Pacific Life as a convenience to you. 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

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.

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 referred to in this website may be offered and sold only to persons in the United States.


This Website is provided for your personal viewing 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.

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.

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 the website's logged-out home page at "http://pacificlife.com/"; (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's express written permission.


The logo shown here for Pacific Life is a registered trademark 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 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 cannot and does 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 does 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 up to three layers of security depending on use of the site:

  • For users who have created an account, users are required to log in using a unique username and password. Each username and corresponding password can only be used by one individual user. The user agrees to assume sole responsibility for the security of their username and password. If the user believes that any username and/or password are being used by someone other than an authorized user, the user must notify Pacific Life immediately.
  • For all users, a firewall (a combination of computer hardware and software) keeps unauthorized users from accessing information within Pacific Life’s computer network.
  • For all users, encryption technology is used to secure data when it’s being transferred from one computer to another.

The information submitted in connection with this website 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 website may result in criminal and/or civil prosecution. Pacific Life reserves the right to view, monitor, and record activity on the website 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 website.

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 sites or websites which may provide access to this website by hypertext links ("hyperlinks") are entirely independent of this website. Links to other Internet or website 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.

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.

Online privacy policy

We use the website information and the personal information you provide to us for a variety of business reasons:

  • To help you identify your life insurance needs
  • To provide you with the products and services you have requested or authorize
  • To verify your identity
  • To develop and display content customized to you
  • To communicate with you about your contract or policy, or changes to any of our policies
  • To send you marketing communications or promotional emails about products / services
  • To perform research and analysis about your use of the website and services, and your potential interest in products / services that might be offered by us or others
  • For customer service, by responding to any questions you might have if you contact us
  • As required by law or regulation or to comply with license obligations
  • For any other purpose disclosed to you at the time you provide the information to us or otherwise with your express consent

Pacific Life routinely collects two forms of data: website visitorship data and personal information voluntarily provided to us by website visitors.

Website visitorship data is 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 first time and repeat visits to its website.

Pacific Life and its wholly owned subsidiaries may retain and use, subject to the terms of its privacy policy, information collected in your use of the lifeinsurance.meetnext.com site. Pacific Life will not share your customer data or any third party's customer data with any third parties unless Pacific Life (1) has your consent for any customer data or any third party's consent for the third party's customer data; (2) concludes that it is required by law or has a good belief that access, preservation or disclosure of customer data is reasonably necessary to protect the rights, property or safety of Pacific Life, its users or the public; or (3) provides customer data in certain limited circumstances to third parties to carry out tasks on Pacific Life's behalf (e.g. data storage) with strict restrictions that prevent the data from being used or shared except as directed by Pacific Life. When this is done, it is subject to agreements that oblige those parties to process customer data only on Pacific Life's instructions and in compliance with the terms and conditions of this site.

You can control the personal information you provide to us, but some personal information is required in order to work with us. If you choose not to provide us with your personal information, you may not be able to take advantage of services we offer. Your personal information is not shared with any third party, unless permitted by you or required by law. Any interactive forms or calculators on this website are for information purposes. Pacific Life tracks, retains and/or uses any of the data input into these forms for our use in the ordinary course of our business only.

With regard to promotional emails, you can direct us to stop sending you promotional emails by following the “unsubscribe” instructions in a Pacific Life promotional email you receive from us. Your opt out request will be processed within 30 days of the date on which we receive it. Opting-out of receiving promotional emails will not affect your ability to continue to receive other service-related non-promotional emails from us, which you will not be able to opt-out from.


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.

Netscape trademarks identify Netscape products and services and are used with permission from Netscape Communications Corporation.

AOL.COM is a trademark of America On Line, Inc. and is used with the permission of America On Line, Inc.