We deliver group life and accidental death and dismemberment solutions that allow employers to reduce costs, improve risk pools and enhance the program benefits.


Life and AD&D insurance may appear simple, but it takes an in-depth understanding of these products to build the most competitive programs.

As experienced advisors on group life and AD&D insurance, Pacific Resources delivers solutions that allow large employers to drive savings, improve risk pools and enhance their employee benefits programs.

The average group life insurance plan covers two to three times the employee’s salary, yet most financial advisors recommend that individuals hold a policy that covers six to eight times their salary. Having a more robust – but not necessarily more expensive – life insurance plan for your employees can help boost their loyalty to you.

We provide expert advice, analysis and consultation to develop customized solutions for all employees and their families at all levels within your organization.


  • Plan design and pricing analysis (contract, SPD and certificates gap analysis)
  • Consultation, including policy review, end-to-end process and technology assessment, return to work processes, change management and evaluation of absence management practices
  • Financial analysis, claims analysis, funding analysis, and claims audits
  • Industry benchmarking studies
  • Program placement
  • Vendor management
  • Internal policies and processes, vendors utilized, integration points
  • Ongoing program support through our “advisor on retainer” service model

Learn more about the PacRes difference


  • Basic, optional, dependent life and AD&D
  • Group universal life/group variable life insurance
  • Business travel accident (BTA) insurance
  • On-and off-the-job accident insurance
  • Executive life insurance
  • Retiree life solutions
  • Retiree life buyouts
  • Survivor income benefits

What our clients say about us

“Their ability to collaborate with our internal benefits team as well as our insurer on contract and SPD reviews has been superb. Their advisors consistently meet and exceed our expectations.”

Director, Integrated Health Care And Disability, Multinational Manufacturing Company

“I appreciated the outstanding work Pacific Resources put into the RFP effort.  Pacific Resources has performed exceptionally well in my opinion and I am grateful for the opportunity to have worked with them. I consider the selection of and the work product produced by Pacific Resources to be some of the real highlights of my work supporting the Benefits team.”

Senior Contracts Manager, Telecommunications Company

“With Pacific Resources, you get a team that is always ready to take on a new challenge and a partner who isn’t afraid of stepping out of the comfort zone. You get personal service AND results.”

Global Benefits Head, Fortune 500 Household Products Company


A new way of seeing

Our expertise and proven methodology allow us to make suggestions, review options and negotiate program benefits and costs based on your data, so you get the best solutions from the best sources.

Read our case studies

Let’s get in touch.

Contact us to explore new ways to see your employee benefit programs.