Skip to main content

Security report for pacificlife.com

Pacific Life · Finance · United States

Low risk. 4 critical or high findings in Security headers, GDPR outside view and 1 other check.

Security score

78/100

Risk levelLow

0–100, higher is better. How it is calculated

Pacific Life is a well-established financial services company specializing in life insurance, annuities, employee benefits, and retirement solutions. With nearly 160 years of history, it serves a broad audience including individuals, employers, institutions, and financial professionals. The website reflects a mature digital presence with comprehensive content tailored to diverse customer segments and multiple secure client portals. Technically, the site leverages Adobe Experience Manager CMS and integrates modern consent management tools, ensuring compliance with privacy regulations. Security posture is strong with HTTPS enforcement and consent mechanisms, though explicit security policies and incident response contacts are not publicly visible. The absence of WHOIS data is a notable anomaly but does not detract significantly from the overall legitimacy given the brand's prominence and detailed online presence.

Scanned

NIS2 and GDPR posture

GDPR outside view
53/ 100 · Medium
Checks completed
7of 7

NIS2 Art. 21(2)

  1. (a) Risk analysis and security policies: Not visible from outside
  2. (b) Incident handling: One indicator
  3. (c) Business continuity, backups and crisis management: Not visible from outside
  4. (d) Supply chain security: Not visible from outside
  5. (e) Secure acquisition, development and maintenance, including vulnerability handling: Partly checked
  6. (f) Assessing the effectiveness of security measures: Not visible from outside
  7. (g) Cyber hygiene and security training: Not visible from outside
  8. (h) Cryptography and encryption: Partly checked
  9. (i) HR security, access control and asset management: One indicator
  10. (j) Multi-factor authentication and secured communications: Not visible from outside

This scan rated NIS2 with an earlier keyword method that is no longer shown; rescan for the per-article view. Risk management, continuity, supply chain, training, MFA, management oversight (Art. 20) and incident reporting (Art. 23) need internal evidence, and Guard cannot tell whether NIS2 applies to this organisation.

GDPR is indicative only, based on publicly visible signals: Articles 7, 12, 13 and 32 of Regulation (EU) 2016/679 and Article 5(3) of the ePrivacy Directive. Not a certification or legal assessment.

Priority findings

4 findings rated critical or high. Fix these first.

  1. Security headers

    Security headers are instructions your web server sends to every visitor’s browser. Missing ones leave visitors more exposed to attacks such as clickjacking and injected scripts.

    • High

      Missing Content-Security-Policy header

      Controls resources the browser is allowed to load

      What to do: Implement a Content-Security-Policy appropriate for your application

      • ASVS V3.4.3
      • OWASP Secure Headers: OWASP Secure Headers Project recommends Content-Security-Policy: default-src 'self'; form-action 'self'; base-uri 'self'; object-src 'none';…

  2. GDPR outside view

    These are the privacy signals visitors and data protection authorities look for under GDPR.

    • High

      No Cookie Policy found

      GDPR requires clear information about cookie usage

      What to do: Add a dedicated cookie policy explaining cookie usage and purposes

    • High

      No Cookie Consent Banner found

      GDPR requires explicit consent for non-essential cookies

      What to do: Implement a cookie consent banner that appears on first visit

  3. SSL/TLS

    TLS encrypts the connection and proves the site is really yours. Weak or expiring certificates trigger browser warnings and put traffic at risk.

    • High

      Weak Protocols Supported

      Server supports weak protocols: TLSv1.1

      What to do: Disable TLS 1.0, TLS 1.1, and all SSL versions

      • CWE-327
      • OWASP A04:2025
      • ASVS V12.1.1

Need hands-on remediation? Email guard@offseq.com

Keep watching pacificlife.com

This scan found 16 issues across 5 checks. Monitoring re-runs those checks daily, emails you when something material changes and records each fix, so you can show progress.

Daily monitoring

Recommended

€25per month

  • TLS certificates and expiry
  • DNS records
  • SPF, DKIM and DMARC
  • Security headers
  • GDPR and NIS2 posture
  • Exposed services
  • Third-party trackers
  • Security score drift

Email alerts on material changes and an exportable JSON history of every change.

Billed monthly to your card. Cancel anytime. See sample alerts.

Full report

€39.90one-time

  • The complete analysis as a PDF you can cite
  • Email delivery with an unlock code
  • Lifetime access to this report

Prices incl. 21% VAT. Secure checkout by Mollie; sold by SEQ SIA, Latvia.

Results by check

Each check with its score, findings and the evidence it collected.

How this score is calculated

The security score runs 0–100, higher is better. It is the plain average of the security checks that completed in this scan, each counted equally. A check that could not run is left out: it counts neither as a pass nor as a fail.

Counted in this score

SSL/TLS
72
Security headers
60
Email security
100
DNS health
85
Network security
100
GDPR outside view
53
Average
78

Not counted

  • NIS2 outside view: Re-weights evidence from the TLS, email, DNS, network and hygiene checks, so counting it would count that evidence twice. Shown on its own.
  • OffSeq Observations: An AI reading of the site, useful context but not reproducible evidence. Shown on its own.

Findings that cap the score at 49

Each of these is serious on its own, so while any is present the site cannot rate better than high risk, however good the other checks are.

  • The certificate is not trusted by browsers
  • The website is not served over HTTPS
  • A database, remote desktop, file-sharing or Telnet service is reachable from the internet
  • The page loads a script from a compromised source
  • The domain registration has expired
  • SPF authorises every server to send mail as the domain

Partial scans

When the site blocks Guard or most checks cannot run, the score covers only the checks that ran (usually DNS and email), is capped at 75 and is shown as partial, without a risk level.

Risk levels

  • Critical0–25
  • High26–49
  • Medium50–75
  • Low76–100

Technical appendix

Business context, site observations and technical notes gathered during the scan, and the standards behind each reference.

Business context

Business profile

Pacific Life holds a strong market position as a trusted provider of insurance and retirement products, leveraging its long history and financial strength. Its business model focuses on offering tailored financial products to individuals and institutional clients, supported by a network of financial professionals and brokers. The company emphasizes corporate social responsibility and sustainability, which enhances its brand reputation. The website's integration with partner services for dental and vision benefits indicates a collaborative ecosystem. Growth indicators include a broad product portfolio and digital client engagement platforms. Strategic observations suggest continued investment in digital transformation and customer experience.

Security posture

The website demonstrates a mature security posture with enforced HTTPS, use of consent management for cookies, and secure login portals. However, the lack of explicit security policies, incident response information, and vulnerability disclosure mechanisms represents a gap in transparency and readiness communication. No vulnerabilities or exposed sensitive data were detected in the HTML content. The site would benefit from publishing a dedicated security policy and providing direct security contact channels to enhance trust and compliance. Overall, the security maturity aligns with industry standards for financial services but has room for improvement in communication and disclosure.

Recommendations

  1. Publish a dedicated security policy and incident response page accessible from the website footer or About Us section.
  2. Implement and publicize a vulnerability disclosure program or security.txt file to encourage responsible reporting.
  3. Provide direct security contact information such as a security@ or abuse@ email address for incident reporting.
  4. Ensure all recommended security headers (X-Frame-Options, X-Content-Type-Options) are explicitly set and documented.
  5. Clarify WHOIS registration details or ensure domain registration information is publicly available to improve trust.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Pacific Life
Description
For nearly 160 years, Pacific Life has helped millions of individuals and families with their financial needs through a wide range of life insurance products, annuities, and employee benefits, and offers a variety of investment products and services to individuals, businesses, and pension plans.
Key services
Life Insurance, Annuities, Employee Benefits, Retirement and Pension Solutions, Institutional Investments, Structured Settlements
Content quality
excellent
Branding
consistent

Technology

Stack
Adobe Experience Manager (AEM), Google Fonts, TrustArc Consent Management, Adobe Dynamic Tag Manager, Bootstrap (implied by classes), jQuery (implied by $ usage)
Frameworks
Adobe Experience Manager
Performance
moderate
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
90/100
Good practices seen
  • HTTPS enforced
  • Use of consent management for cookies
  • No exposed sensitive data in HTML
  • Secure login portals with external URLs

Analytics and tracking

Services
Adobe Analytics (implied by Adobe DTM)
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
Adobe Dynamic Tag Manager, TrustArc Consent Management
Marketing tools
TrustArc, Adobe DTM
Transparency
good

Site quality

Design
excellent
User experience
excellent
Content relevance
excellent
Navigation
excellent
Professionalism
excellent
Trustworthiness
high

Key observations

  1. Website is professionally designed and well-structured.
  2. Content is comprehensive and targeted to multiple audiences.
  3. Multiple secure login portals for different client types.
  4. Use of Adobe Experience Manager CMS and TrustArc for consent management.
  5. No direct contact emails or phone numbers found in HTML; contact via forms.
  6. No explicit security.txt or vulnerability disclosure found.
  7. WHOIS data missing, which is unusual for a large financial institution.
Technical notes

Notes

The website is built on Adobe Experience Manager, a robust enterprise CMS platform, indicating a high level of technical maturity. It uses modern web technologies including Google Fonts and integrates third-party consent management via TrustArc. The site is mobile-optimized with responsive design and accessibility considerations. Performance is moderate, likely influenced by rich media content and enterprise-level integrations. The technical stack supports scalability and security but could benefit from enhanced transparency in security headers and policies. No critical technical debt or vulnerabilities were observed in the provided content.
Standards and sources

Reference chips under each finding point to the standard, regulation or specification the finding relates to. They are taken from the official datasets below and mapped conservatively: a finding with no defensible link shows none. NIS2 and GDPR references mark where a finding is relevant evidence, not a compliance verdict. Implementing Regulation (EU) 2024/2690 binds digital infrastructure and digital service providers; for other entities it is the most detailed public reading of the Article 21 measures. WCAG, EN 301 549, European Accessibility Act and Web Accessibility Directive references name the requirement an automated accessibility rule relates to; they are not a conformance verdict.

Retrieved 2026-10-25

Reviews of this site

Share your experience with pacificlife.com. Every review is verified by email and published after moderation.

Overall rating
Select a rating
4000 characters remaining

We’ll email you to confirm your review and keep your details private.

Community rating

No published reviews yet. Be the first to review pacificlife.com.

Feedback on this report

Rate this report, add an optional comment, and tell us if you want a security specialist to follow up.

Overall report quality
Select a rating
2000 characters remaining

We only use your feedback to improve Guard reports. Contact details are never shared.