How to name beneficiaries and fund a trust at Pacific Life
Covers 31 insurance accounts — beneficiaries can be updated by phone
Life Insurance Customer Service
Pacific Life Insurance Company, P.O. Box 2030, Omaha, NE 68103-2030 (overnight: 6750 Mercy Rd, 5th Floor, Omaha, NE 68106)
Life Insurance Customer Service
Pacific Life Insurance Company, P.O. Box 2030, Omaha, NE 68103-2030 (overnight: 6750 Mercy Rd, 5th Floor, Omaha, NE 68106)
Life Insurance Division -- Claims
Pacific Life Insurance Company, Life Insurance Division, P.O. Box 2030, Omaha, NE 68103-2030 (PL Promise / Lynchburg Operations: P.O. Box 2873, Omaha, NE 68103)
For Pacific Life policyholders, estate planning comes down to one critical step: making sure the right beneficiaries are named on every policy. Insurance proceeds bypass probate entirely and go directly to whoever is listed—regardless of what a will says. When estate tax planning or controlled distributions are a factor, a trust can be named as beneficiary instead.
Across 31 product types, Pacific Life policies vary in how they transfer at death. The sections below walk through beneficiary designations, trust funding options, and which products support each method.
- Individual life insurance (Life Insurance Division): (800) 347-7787, Monday-Friday 6:00am-5:00pm PT
- PL Promise products, serviced by Lynchburg Operations (policy numbers beginning "2L"): (844) 276-0193, Monday-Friday 6:00am-5:00pm PT
- Annuities, non-New York contract owners: (800) 722-4448, Monday-Friday 6:00am-5:00pm PT
- Annuities issued in New York by Pacific Life & Annuity Company: (800) 748-6907
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- Trusts, estates, and charities can be named as beneficiaries
- Naming a trust as beneficiary or owner requires an extra form: 15-47910 for life insurance, 13077-25A for annuities. Changes naming a trust without it are not processed.
- On an annuity, changing the OWNER to a trust automatically changes the BENEFICIARY to that trust as well (per form W25065-23B). Complete the beneficiary section if you want a different result.
- A change of annuity owner may be a taxable event, may affect optional living/death benefit riders, and cancels any scheduled withdrawal program
- A life insurance ownership change invalidates any existing telephone or electronic authorization on the policy
- PL Promise policies are serviced by Lynchburg Operations and use their own forms, P.O. Box, and fax
- New York contracts are issued by Pacific Life & Annuity Company and use different forms, addresses, fax numbers, and phone numbers
- Primary and contingent beneficiaries are supported
- If no beneficiary is designated, proceeds may be payable to the owner's estate
Sources
Data sourced from Pacific Life primary sources (29 pages reviewed). How we research.
Download these Pacific Life instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against Pacific Life primary sources. Bring it to the branch or keep it beside the phone.
Life Insurance Customer Service
Pacific Life Insurance Company, P.O. Box 2030, Omaha, NE 68103-2030 (overnight: 6750 Mercy Rd, 5th Floor, Omaha, NE 68106)
Life Insurance Customer Service
Pacific Life Insurance Company, P.O. Box 2030, Omaha, NE 68103-2030 (overnight: 6750 Mercy Rd, 5th Floor, Omaha, NE 68106)
Life Insurance Division -- Claims
Pacific Life Insurance Company, Life Insurance Division, P.O. Box 2030, Omaha, NE 68103-2030 (PL Promise / Lynchburg Operations: P.O. Box 2873, Omaha, NE 68103)
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