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Investors should carefully consider a variable annuity’s risks, charges, limitations, and expenses, as well as
the risks, charges, expenses, and investment objectives of the underlying investment options. This and other information about Pacific Life Insurance Company
are provided in the product and underlying fund prospectuses. These prospectuses should be read carefully by clients before investing.
Variable annuities are long-term investments designed for retirement. The value of the variable investment options will fluctuate, and when redeemed, may be
worth more or less than the original cost. Withdrawals and other distributions of taxable amounts, including death benefit payouts, will be subject to ordinary
income tax. If withdrawals and other distributions are taken prior to age 59˝, a 10% federal tax penalty may apply. A withdrawal charge also may apply.
Withdrawals will reduce the value of the death benefit and any optional benefits.
Insurance products are issued by Pacific Life Insurance Company in all states except New York and in New York by Pacific Life & Annuity Company. Product availability and features may vary by state. Each company is solely responsible for the financial obligations accruing under the products it issues. Product and rider guarantees are backed by the financial strength and claims-paying ability of the issuing company and do not protect the value of the
variable investment options.
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