COVER 11 filename11.htm cover
BRANDON J. CAGE
Assistant Vice President, Counsel
Law Department
Phone: 949-219-3943
Fax: 949-219-6952
Brandon.Cage@pacificlife.com
July 24, 2009
Attention: EDGAR Filing Desk
Securities and Exchange Commission
450 Fifth Street, N.W.
Washington, DC 20549-0506
          Re:   Registration Statement for Pacific Destinations Individual Flexible Premium
Deferred Variable Annuity (File Number to be Assigned) funded by Separate
Account A (File Number 811-08946) of Pacific Life Insurance Company

Request for Selective Review
Dear Sir or Madam:
On behalf of Pacific Life Insurance Company (“Pacific Life”) and Separate Account A (“Separate Account”) of Pacific Life, attached for electronic filing under the Securities Act of 1933 (“1933 Act”) is a Registration Statement, with exhibits, on Form N-4. The enclosed relates to an individual flexible premium deferred variable annuity contract designated as the Pacific Destinations Individual Flexible Premium Deferred Variable Annuity Contract (“Pacific Destinations” or “Contract”), which is funded by the Separate Account.
Pacific Life is requesting selective review of this filing pursuant to “Revised Procedures for Processing Registration Statements, Post-Effective Amendments and Preliminary Proxy Materials Filed by Registered Investment Companies, Investment Co. Act Rel. No. 13768 (Feb. 23, 1984).”
The prospectus for Pacific Destinations is based on, and is substantially similar to, the prospectus for Pacific Voyages Individual Flexible Premium Deferred Variable Annuity (File No. 333-136597) (“Pacific Voyages”) offered by Pacific Life. The staff previously reviewed the Pacific Destinations disclosure in connection with its review of the Initial N-4 Filing (filed August 14, 2006), Pre-Effective Amendment No. 1 (filed November 8, 2006) and Pre-Effective Amendment No. 2 (filed on December 6, 2006) of Pacific Voyages. In addition, the staff previously reviewed disclosure for the optional living benefit rider in connection with its review of Automatic Income Builder and for other features like the Custom Model program which was filed under Pacific Voyages on July 2, 2008.
By copy of this letter, we are sending an electronic copy of the Pacific Destinations prospectus and Statement of Additional Information (“SAI”) marked to show where disclosure differs materially from that in the Pacific Voyages prospectus and SAI.
The prospectus disclosure included in Pacific Destinations differs materially from Pacific Voyages as follows:
1. There is a front end sales charge; also offers a Letter of Intent feature to provide ways to reduce the sales charge.
2. Different base contract fees (M&E, Admin, etc.).

 


 

Securities and Exchange Commission
Registration Statement for Pacific Destinations on behalf of Pacific Life
July 24, 2009
Page 2
3. Some Investment Options are only available through an asset allocation model and are not available for investment as individual Investment Options.
Pursuant to policies described in Release No. IC-13768, we believe that selective review is appropriate. We look forward to your response and comments. If you have any questions, please call me at (949) 219-3943.
         
  Sincerely,
 
 
  /s/ BRANDON J. CAGE    
     
  Brandon J. Cage