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
Phone1-800-347-7787
Mailing Address
Pacific Life Insurance Company, P.O. Box 2030, Omaha, NE 68103-2030
Annuity Contract Owners
Annuity (New York)
General Inquiries / Corporate
Pension Plans Retirement Annuities
WebsiteLearn more→
Life Insurance Customer Service
Phone1-800-347-7787
Mailing Address
Pacific Life Insurance Company, P.O. Box 2030, Omaha, NE 68103-2030
Annuity Contract Owners
Annuity (New York)
General Inquiries / Corporate
Pension Plans Retirement Annuities
WebsiteLearn more→
Life Insurance Claims
Phone1-800-347-7787
Fax1-866-398-0467
Mailing Address
Pacific Life Insurance Company, Life Insurance Division, P.O. Box 2030, Omaha, NE 68103-2030
Workforce Benefits Claims
Lynchburg Operations
Verified Apr 2026
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.
Pacific Life offers 31 policies, each with its own transfer rules. The sections below cover how to set up beneficiaries, fund a trust, and which products support each approach.
Pacific Horizon IUL 2Pacific Horizon ECV IULPacific Horizon Survivorship IULPacific Trident IULPacific Indexed Estate Preserver 3Pacific Select VUL 2Pacific Select Harbor VULPacific Protector VULPacific Protector Plus VULPacific Admiral VULPacific Legacy Survivorship VULPacific Venture UL 2PL Promise GULPacific Elite TermPacific ChoicePacific Choice 2Pacific Choice IncomePacific Advisory Variable AnnuityPacific OdysseyPacific Protective GrowthPacific Index FoundationPacific Index Foundation 2Pacific Index IncomePacific Index EdgePacific Index AdvisoryPacific Advisory Fixed Indexed AnnuityPacific Expedition 2Pacific HarborPacific Income ProviderPacific Secure IncomeGroup Life Insurance
1
Call the appropriate department:
- For life insurance: Call Pacific Life at (800) 347-7787, Monday-Friday 6:00am-5:00pm PT
- For annuities (contract owners): Call (800) 722-4448, Monday-Friday 6:00am-5:00pm PT
- For New York annuity services: Call (800) 748-6907
2
Have your policy or contract number ready
3
Request the appropriate Beneficiary Change form
4
Do not submit SSNs, contract numbers, or sensitive data by email; use phone for account-specific requests
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- Trusts, estates, and charities can be named as beneficiaries
- If no beneficiaries are designated: proceeds may go to the owner's estate
- Primary and contingent beneficiaries are supported
- New York contracts use different mailing addresses, fax numbers, and phone numbers
- Life insurance and annuity beneficiary changes use different forms
- PL Promise products use a dedicated beneficiary change form (15-50626)
- Trust beneficiaries require additional certification forms
Life Insurance Customer Service
Phone1-800-347-7787
Mailing Address
Pacific Life Insurance Company, P.O. Box 2030, Omaha, NE 68103-2030
Annuity Contract Owners
Annuity (New York)
General Inquiries / Corporate
Pension Plans Retirement Annuities
WebsiteLearn more→
Life Insurance Customer Service
Phone1-800-347-7787
Mailing Address
Pacific Life Insurance Company, P.O. Box 2030, Omaha, NE 68103-2030
Annuity Contract Owners
Annuity (New York)
General Inquiries / Corporate
Pension Plans Retirement Annuities
WebsiteLearn more→
Life Insurance Claims
Phone1-800-347-7787
Fax1-866-398-0467
Mailing Address
Pacific Life Insurance Company, Life Insurance Division, P.O. Box 2030, Omaha, NE 68103-2030
Workforce Benefits Claims
Lynchburg Operations
Verified Apr 2026
Estate planning articles
Learn how to protect your Pacific Life accounts and other assets with trusts, beneficiary designations, and estate planning documents.
