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N-4
Apr. 12, 2024
USD ($)
Prospectus:  
Document Type N-4
Entity Registrant Name SEPARATE ACCOUNT A OF PACIFIC LIFE INSURANCE CO
Entity Central Index Key 0000935823
Entity Investment Company Type N-4
Document Period End Date Apr. 12, 2024
Amendment Flag false
Fees and Expenses [Text Block]
Ongoing Fees and Expenses (annual charges)

The table below describes the fees and expenses that you may pay each year, depending on the options you choose. Please refer to your Contract specifications page for information about the specific fees you will pay each year based on the options you have elected.

 

 

 

  ANNUAL FEES                              MINIMUM MAXIMUM
  1. Base Contract 0.85%1,2 0.95%1,2
  2. Investment Options (Fund fees and expenses) 0.28%3 1.86%3
  3. Optional Benefits (for a single optional benefit, if elected) 0.10%4 1.55%4
 

Because your Contract is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your Contract, the following table shows the lowest and highest cost you could pay each year based on current charges. This estimate assumes that you do not take withdrawals from the Contract, which could add withdrawal charges that substantially increase costs.

 

  Lowest Annual Cost: $1,132.52 Highest Annual Cost: $4,204.66
 

Assumes:

 

         Investment of $100,000

         5% annual appreciation

Assumes:

 

Investment of $100,000

5% annual appreciation 

Most expensive combination of base Contract, optional benefits, and Fund fees and expenses

 

                                                                                  
 

         Least expensive combination of base Contract and Fund fees and expenses

         No optional benefits

No sales charges

         No additional purchase payments, transfers, or withdrawals

No loans or loan interest charges

No sales charges

         No additional purchase payments, transfers, or withdrawals

No loans or loan interest charges 

 

1As a percentage of the average daily Variable Account Value. This percentage includes the Mortality and Expense Risk Charge and the Administrative Fee.

 

2The Mortality and Expense Risk charge is reduced from 0.70% to 0.60% for the upcoming Contract quarter if the Contract Value on the later of the Issue Date or the most recent Contract Quarterly Anniversary is greater than or equal to $1,000,000. See the CHARGES, FEES AND DEDUCTIONS - Mortality and Expense Risk Charge and Optional Death Benefit Rider Charge section.

 

3 As a percentage of Fund assets.

 

4As a percentage of the Protected Payment Base (for an optional living benefit) and average daily Variable Account Value (for an optional death benefit).
Ongoing Fees and Expenses [Table Text Block]
Ongoing Fees and Expenses (annual charges)

The table below describes the fees and expenses that you may pay each year, depending on the options you choose. Please refer to your Contract specifications page for information about the specific fees you will pay each year based on the options you have elected.

 

 

 

  ANNUAL FEES                              MINIMUM MAXIMUM
  1. Base Contract 0.85%1,2 0.95%1,2
  2. Investment Options (Fund fees and expenses) 0.28%3 1.86%3
  3. Optional Benefits (for a single optional benefit, if elected) 0.10%4 1.55%4
 

Because your Contract is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your Contract, the following table shows the lowest and highest cost you could pay each year based on current charges. This estimate assumes that you do not take withdrawals from the Contract, which could add withdrawal charges that substantially increase costs.

 

  Lowest Annual Cost: $1,132.52 Highest Annual Cost: $4,204.66
 

Assumes:

 

         Investment of $100,000

         5% annual appreciation

Assumes:

 

Investment of $100,000

5% annual appreciation 

Most expensive combination of base Contract, optional benefits, and Fund fees and expenses

 

                                                                                  
 

         Least expensive combination of base Contract and Fund fees and expenses

         No optional benefits

No sales charges

         No additional purchase payments, transfers, or withdrawals

No loans or loan interest charges

No sales charges

         No additional purchase payments, transfers, or withdrawals

No loans or loan interest charges 

 

1As a percentage of the average daily Variable Account Value. This percentage includes the Mortality and Expense Risk Charge and the Administrative Fee.

 

2The Mortality and Expense Risk charge is reduced from 0.70% to 0.60% for the upcoming Contract quarter if the Contract Value on the later of the Issue Date or the most recent Contract Quarterly Anniversary is greater than or equal to $1,000,000. See the CHARGES, FEES AND DEDUCTIONS - Mortality and Expense Risk Charge and Optional Death Benefit Rider Charge section.

 

3 As a percentage of Fund assets.

 

4As a percentage of the Protected Payment Base (for an optional living benefit) and average daily Variable Account Value (for an optional death benefit).
Base Contract (of Average Annual Net Assets) (N-4) Minimum [Percent] 0.85% [1],[2]
Base Contract (of Average Annual Net Assets) (N-4) Maximum [Percent] 0.95% [1],[2]
Base Contract (N-4) Footnotes [Text Block] As a percentage of the average daily Variable Account Value. This percentage includes the Mortality and Expense Risk Charge and the Administrative Fee.
Investment Options (of Average Annual Net Assets) Minimum [Percent] 0.28% [3]
Investment Options (of Average Annual Net Assets) Maximum [Percent] 1.86% [3]
Investment Options Footnotes [Text Block] As a percentage of Fund assets.
Optional Benefits Minimum [Percent] 0.10% [4]
Optional Benefits Maximum [Percent] 1.55% [4]
Optional Benefits Footnotes [Text Block] As a percentage of the Protected Payment Base (for an optional living benefit) and average daily Variable Account Value (for an optional death benefit).
Lowest and Highest Annual Cost [Table Text Block] Lowest Annual Cost: $1,132.52Highest Annual Cost: $4,204.66 

Assumes:

 

         Investment of $100,000

         5% annual appreciation

Assumes:

 

Investment of $100,000

5% annual appreciation 

Most expensive combination of base Contract, optional benefits, and Fund fees and expenses

                                                                                  
 

         Least expensive combination of base Contract and Fund fees and expenses

         No optional benefits

No sales charges

         No additional purchase payments, transfers, or withdrawals

No loans or loan interest charges

No sales charges

         No additional purchase payments, transfers, or withdrawals

No loans or loan interest charges 

 

Lowest Annual Cost [Dollars] $ 1,132.52
Highest Annual Cost [Dollars] $ 4,204.66
[1] As a percentage of the average daily Variable Account Value. This percentage includes the Mortality and Expense Risk Charge and the Administrative Fee.
[2] The Mortality and Expense Risk charge is reduced from 0.70% to 0.60% for the upcoming Contract quarter if the Contract Value on the later of the Issue Date or the most recent Contract Quarterly Anniversary is greater than or equal to $1,000,000. See the CHARGES, FEES AND DEDUCTIONS - Mortality and Expense Risk Charge and Optional Death Benefit Rider Charge section.
[3] As a percentage of Fund assets.
[4] As a percentage of the Protected Payment Base (for an optional living benefit) and average daily Variable Account Value (for an optional death benefit).