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This material is not intended to be used, nor can it be used by any taxpayer, for the purpose of avoiding U.S. federal, state, or local tax penalties. This material is written to support the promotion or marketing of the transaction(s) or matter(s) addressed by this material. Pacific Life Insurance Company and its affiliates, including Pacific Life & Annuity Company, its distributors, and respective representatives do not provide tax, accounting, or legal advice. Any taxpayer should seek advice based on the taxpayer’s particular circumstances from an independent tax advisor.

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 the underlying fund prospectuses. These prospectuses should be read carefully before investing.

Pacific Life refers to Pacific Life Insurance Company and its affiliates, including Pacific Life & Annuity Company. 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. Insurance 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.

Variable insurance products are distributed by Pacific Select Distributors, Inc. (member FINRA & SIPC), a subsidiary of Pacific Life Insurance Company (Newport Beach, CA). Variable and fixed annuity products are available through licensed third-party broker/dealers.

AllianceBernstein Investments, Inc., BlackRock Distributors, Inc., Franklin Templeton Distributors, Inc., GE Investment Distributors, Inc., Lord Abbett Distributor LLC, MFS Fund Distributors, Inc., PIMCO Investments LLC, and the products each distributes are not affiliated with Pacific Life or Pacific Select Distributors, Inc.

MFS is a registered trademark of Massachusetts Financial Services Company. American Funds is a registered trademark of American Funds Distributors, Inc. Main Street is a registered trademark of OppenheimerFunds, Inc.

Annuities