Contact-rich insertion requires robots to combine visual alignment with tactile adjustment. However, existing visuotactile chunk-based policies collapse tactile feedback into a single generation-time fusion pathway, leaving persistent contact states, abrupt contact events, and future contact consequences implicitly modeled in a single representation. We present PACE (Phase-Aware Contact-Event Conditioning), a temporal-role tactile conditioning framework for chunk-based insertion policies. PACE organizes a shared tactile stream into three temporal roles: persistent contact states condition action-chunk generation, abrupt contact events correct the generated chunk, and contact-consequence prediction shapes action representations during training. This design preserves chunk-level action continuity while assigning distinct pathways to different temporal roles of contact feedback. Across five real-robot insertion tasks, PACE achieves an average success rate of 90.7%, outperforming vision-only and generation-time tactile-fusion baselines by over 44 percentage points; on the ManipulationNet benchmark, PACE maintains 88.7% success across six geometry-clearance configurations, including an industrial-grade 0.1-mm clearance. Ablations confirm the complementary contributions of the three temporal roles, mechanistic analyses show that PACE separates normal insertion progress from contact events requiring immediate correction, and cross-signal and cross-architecture experiments indicate that this temporal-role principle extends across different physical feedback signals and policy backbones. Videos and materials are available at https://pace-insertion.github.io/.

翻译：暂无翻译