Pacific Life long-term care insurance

What they offer

Coverage type: Life insurance with LTC rider. Pacific Life's own product literature states its chronic-illness rider is not intended to meet the federal Section 7702(b) tax-qualified "long-term care insurance" definition. Ask a licensed agent whether that rider-based approach or a dedicated hybrid or traditional LTC policy from another carrier better fits your needs.

Long-term care coverage falls into two families — traditional standalone policies and hybrid (linked-benefit) policies. See types of plans for how they differ.

How Pacific Life scores

Our disclosed, weighted methodology scores every carrier on four criteria. Here's the breakdown for Pacific Life:

Financial strength

Because a long-term care policy may be held for decades, an insurer's financial strength matters. Pacific Life's A.M. Best financial-strength rating is A+, affirmed December 11, 2025 (source). The strong rating reflects Pacific Life's overall financial strength, not a rating of its (now-discontinued) standalone LTC product line specifically. Ratings are typically reaffirmed annually — verify Pacific Life's current rating directly with A.M. Best or the carrier before you buy. See how we score carriers for the full methodology.

Visit Pacific Life's website

Please note: This profile is general information, not an offer of coverage or an endorsement. Product availability, features, and pricing vary by state, age, and health, and change over time. Confirm Pacific Life's current offerings with a licensed agent before making any decision. LongTermCareInsurance411 is not affiliated with Pacific Life.