Though life insurance gets more expensive as you get older, Pacific Life’s rates stay competitive at every age group, including over age 60. So how do you choose between the two? AIG and Pacific Life are two of America’s largest life insurance companies, with well over 1 million policyholders nationwide. Your Edward Jones financial advisor can take a look at your current policy and offer suggestions to help you fill in any gaps in coverage or replace it entirely. Pacific Life offers some of the most affordable term life policies among the leading insurance carriers. Pacific Life refers to Pacific Life Insurance Company and its affiliates, including Pacific Life & Annuity Company. BLUERUSH, the provider of this information and interactive calculator, is an independent third party and is not affiliated with Pacific Life. Pacific Life refers to Pacific Life Insurance Company and its affiliates, including Pacific Life & Annuity Company. Prudential and Pacific Life are two of the leading life insurance companies in America. Pacific Life offers term life policies with both fixed and adjustable premiums over 10, 15, 20, 25 and 30 years. Both companies have good consumer grades and offer competitive term life insurance rates. Pacific Life is a product provider. It is not a fiduciary and therefore does not give advice or make recommendations regarding insurance or investment products. Pacific Life Insurance Company is licensed to issue insurance products in all states except New York. Find out how much life insurance you need with Bankrate.com's free life insurance calculator. Pacific Life refers to Pacific Life Insurance Company and its affiliates, including Pacific Life & Annuity Company. Use average cost, health consideration, rider availability, and more as criteria for deciding which is the best company for your … High confidence ratings. Life insurance needs can change over time and after major life events, so it's important to review your policy regularly. Insurance products and their guarantees, including optional benefits and any crediting rates, are backed by the financial strength and claims-paying ability of the issuing insurance company. Life insurance is often a lot cheaper than people think it will be.The good news is that most people overestimate the cost of a term life insurance policy by more than 3x the actual cost, according to a 2020 study by LIMRA and Life Happens.There are a number of factors that determine the cost of your premium, including:. Cost of life insurance. To qualify for the Pacific Life term life insurance policy, you must: Be a U.S. citizen or Permanent Resident between the ages of 18 - 80 Looking For Term Options Of 10 - 30 Years What types of life insurance coverage does Pacific Life offer? So how does one go about deciding between the two? 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