Transaction Expenses [Table Text Block]

Transaction Expenses


Maximum Withdrawal Charge (as a percentage of Purchase Payments or Contract Value)¹	5%

¹ Below is the range of Withdrawal Charges under the Contract. See CHARGES, FEES AND ADJUSTMENTS – Withdrawal Charge – How the Withdrawal Charge is Determined for additional information.


Total Purchase Payment Amount	Age of Purchase Payment Being Withdrawn (Withdrawal Charge Percentages are shown below)
	1 year	2 years	3 years	4 years	5 years	6 years	7 years	8 years or more
Less than $50,000	5%	5%	4%	4%	3%	3%	2%	0%
$50,000 to $99,999	5%	4%	4%	3%	3%	2%	2%	0%
$100,000 to $249,999	4%	3%	3%	2%	2%	2%	1%	0%
$250,000 to $499,999	3%	2%	2%	2%	1%	1%	1%	0%
$500,000 to $999,999	2%	2%	2%	1%	1%	1%	1%	0%
$1,000,000 or more	2%	2%	1%	1%	1%	1%	1%	0%

Base Contract Expense (of Average Account Value), Maximum [Percent]

0.75%

^[4]

Other Annual Expense, Maximum [Dollars]

$ 40

^[5]

Annual Portfolio Company Expenses [Table Text Block]

Annual Fund Expenses

Expenses that are deducted from fund assets, including management fees, distribution and/or service (12b-1) fees, and other expenses.

Portfolio Company Expenses Maximum [Percent]

2.13%

^[6]

Surrender Example [Table Text Block]

● If you surrendered your Contract at the end of the applicable time period:


1 Year	3 Years	5 Years	10 Years
$11,114	$23,869	$37,120	$70,102

Surrender Expense, 3 Years, Maximum [Dollars]

23,869

Surrender Expense, 10 Years, Maximum [Dollars]

$ 70,102

Annuitized Expense, 1 Year, Maximum [Dollars]

$ 11,114

Annuitized Expense, 5 Years, Maximum [Dollars]

34,420

No Surrender Example [Table Text Block]

● If you do not surrender, or annuitize your Contract:


1 Year	3 Years	5 Years	10 Years
$6,614	$20,269	$34,420	$70,102

No Surrender Expense, 3 Years, Maximum [Dollars]

20,269

No Surrender Expense, 10 Years, Maximum [Dollars]

$ 70,102

Item 5. Principal Risks [Table Text Block]

PRINCIPAL RISKS OF INVESTING IN THE CONTRACT

Market Risk

You can lose money by investing in this Contract, including loss of principal. The Contract is not a deposit or obligation of, or guaranteed or endorsed by any bank. It is not federally insured by the Federal Deposit Insurance Corporation (FDIC), the Federal Reserve Board, or any other government agency.

Early Withdrawal Risks

This Contract may not be the right one for you if you need to withdraw money for short-term needs, because withdrawal charges and tax penalties for early withdrawal may apply and the premium charge on purchase payments will continue to be charged regardless of withdrawals. Additionally, since the benefits associated with the guaranteed minimum withdrawal benefit riders are not available until the Designated Life is 59 1/2 (Future Income Generator Single and Joint, CoreIncome Advantage Select Single and Joint, and CoreIncome Advantage 5 Plus Single and Joint) years of age or older, early withdrawals may reduce or terminate the benefits associated with the riders.

An annuity contract may be appropriate if you are looking for retirement income or you want to meet other long-term financial objectives. Discuss with your financial professional whether a variable annuity, a living benefit rider, an optional death benefit rider and which underlying Investment Options are appropriate for you, taking into consideration your age, income, net worth, tax status, insurance needs, financial objectives, investment goals, liquidity needs, time horizon, risk tolerance and other relevant information. Together you can decide if a variable annuity is right for you. We are a variable annuity provider. We are not a fiduciary and therefore do not give advice or make recommendations regarding insurance or investment products.

Contract Changes Risk

You should consider the Contract’s investment and income benefits, as well as its costs. Your investment is subject to the risk of poor investment performance and can vary depending on the performance of the Investment Options you have chosen. Each Investment Option will have its own unique risks. The value of each Investment Option will fluctuate with the value of the investments it holds, and returns are not guaranteed. You can lose money by investing in the Contract, including loss of principal. You bear the risk of any Investment Options you choose. You should read each Fund prospectus carefully before investing. You can obtain a Fund prospectus by contacting your financial professional or by visiting https://pacificlife.onlineprospectus.net/pacificlife/products/. No assurance can be given that a Fund will achieve its investment objectives.

Contract Benefits Risk

If you choose an optional living benefit rider, you must follow the investment allocation requirements for the rider during the entire time that you own the rider. Owning an optional living benefit rider may limit the Investment Options available to you and failure to follow the investment allocation requirements may result in a failure to receive the benefits under the rider. The allowable Investment Options seek to minimize risk, may reduce investment returns, and may reduce the likelihood that we will be required to make payments under the optional benefit Riders.

Insurance Company Risks

Investment in the Contract is subject to the risks related to us, and any obligations (including any fixed option), guarantees, or benefits are backed by our claims paying ability and financial strength. You must look to our strength with regard to such guarantees. Your financial professional’s firm is not responsible for any Contract guarantees.

Tax Consequences

Non-Qualified and Qualified Contracts are available. You buy a Qualified Contract under a qualified retirement or pension plan, or some form of an individual retirement annuity or account (IRA). It is important to know that IRAs and qualified plans are already tax-deferred which means the tax deferral feature of a variable annuity does not provide a benefit in addition to that already offered by an IRA or qualified plan. An annuity contract should only be used to fund an IRA or qualified plan to benefit from the annuity’s features other than tax deferral. Withdrawals taken from a variable annuity prior to age 59½ may be subject to a tax penalty of 10% of the taxable portion, although there are exceptions to the tax penalty that may apply.

Please be aware that the sale or liquidation of any stock, bond, IRA, certificate of deposit, mutual fund, annuity or other asset to fund the purchase of this Contract may have tax consequences, early withdrawal penalties or other costs or penalties as a result of the sale or liquidation. You may want to consult independent legal or financial advice before selling or liquidating any assets prior to the purchase of this Contract.

Cybersecurity and Business Continuity Risks

Our business is highly dependent upon the effective operation of our computer systems and those of our business partners. As a result, our business is potentially susceptible to operational and information security risks associated with the technologies, processes and practices designed to protect networks, systems, computers, programs and data from attack, damage or unauthorized access. These risks include, among other things, the theft, loss, misuse, corruption and destruction of data maintained online or digitally, denial of service on websites and other operational disruption, and unauthorized release of confidential customer information. Cyber-attacks affecting us, any third-party administrator, the underlying Funds, intermediaries, and other affiliated or third-party service providers may adversely affect us and your Contract Value. For instance, cyber-attacks may interfere with contract transaction processing, including the processing of orders from our website or with the underlying Funds; impact our ability to calculate Accumulated Unit Values, Subaccount Unit Values or an underlying Fund to calculate a net asset value; cause the release and possible destruction of confidential customer or business information; impede order processing; subject us and/or our service providers and intermediaries to regulatory fines and financial losses; and/or cause reputational damage. Cybersecurity risks may also impact the issuers of securities in which the underlying Funds invest, which may cause the Funds underlying your Contract to lose value. The constant change in technologies and increased sophistication and activities of hackers and others, continue to pose new and significant cybersecurity threats. While measures have been developed that are designed to reduce cybersecurity risks, there can be no guarantee or assurance that we, the underlying Funds, or our service providers will not suffer losses affecting your Contract due to cyber-attacks or information security breaches in the future.

We are also exposed to risks related to natural and man-made disasters or other events, including (but not limited to) earthquakes, fires, floods, storms, epidemics and pandemics (such as COVID-19), terrorist acts, civil unrest, malicious acts and/or other events that could adversely affect our ability to conduct business. The risks from such events are common to all insurers. To mitigate such risks, we have business continuity plans in place that include remote workforces, remote system and telecommunication accessibility, and other plans to ensure availability of critical resources and business continuity during an event. Such events can also have an adverse impact on financial markets, U.S. and global economies, service providers, and Fund performance for the funds available through your Contract. There can be no assurance that we, the Funds, or our service providers will avoid such adverse impacts due to such events and some events may be beyond control and cannot be fully mitigated or foreseen.

Benefits Available (N-4) [Text Block]

BENEFITS AVAILABLE UNDER THE CONTRACT

The following tables summarize information about the benefits available under the Contract.


Standard Benefits (No Additional Charge)
Name of Benefit	Purpose	Maximum Annual Fee	Brief Description of Restrictions/Limitations
Dollar Cost Averaging	Allows dollar cost averaging transfers from one Variable Investment Option to one or more Variable Investment Options. Dollar cost averaging may allow you to average the purchase prices of Variable Investment Options over time, and may permit a “smoothing” of abrupt peaks and drops in price.	No Charge	● Amounts can only be transferred to one or more Variable Investment Options. ● Can only have one dollar cost averaging program in effect and cannot have a DCA Plus program in effect at the same time. ● Only available prior to the Annuity Date.

DCA Plus	Allows dollar cost averaging transfers from the DCA Plus Fixed Option to one or more Variable Investment Options. Amounts held in the DCA Plus Fixed Option will earn a guaranteed minimum interest rate.	No Charge	● Can only have one dollar cost averaging program in effect at one time. ● Only available prior to the Annuity Date. ● Program transfers do not count against limits on permitted transfers
Portfolio Rebalancing	Allows you to automatically rebalance your values among Variable Investment Options based on percentages that you specify.	No Charge	● Rebalancing can be made quarterly, semi-annually, or annually. ● Only available prior to the Annuity Date. ● Program transfers do not count against limits on permitted transfers. ● We may discontinue, modify, or suspend this service at any time.
Earnings Sweep	Allows you to automatically transfer your earnings from the Fidelity VIP Government Money Market to one or more Variable Investment Options.	No Charge	● Transfers can occur monthly, quarterly, semi-annually, or annually. ● Can only have one earnings sweep program in effect at one time. ● If withdrawals occur during a period, we will assume that the withdrawal was taken from earnings and will reduce the amount transferred during the period. ● Program transfers do not count against limits on permitted transfers. ● We may discontinue, modify, or suspend this service at any time.

Death Benefit Amount

Provides a death benefit equal to the greater of the Contract Value or total Purchase Payments adjusted for withdrawals.

No Charge

● Poor investment performance could reduce the death benefit amount.

● Withdrawals will reduce the death benefit amount and adjust the total amount of Purchase Payments on either a pro rata basis or dollar-for-dollar depending on the amount withdrawn and if a GMWB rider is active. The reduction may be greater than the actual amount withdrawn.

● This benefit terminates upon annuitization.

Pre-Authorized Withdrawals

Allows you to automatically take partial withdrawals from the Contract

No Charge

● Withdrawals can occur monthly, quarterly, semi-annually, or annually.

● Withdrawals will reduce Contract Value and may reduce benefits. The reduction to a benefit may be more than the amount withdrawn, and could terminate a benefit.

● Withdrawals may be subject to taxes and potential tax penalties.

● Only available prior to the Annuity Date.

● We may discontinue, modify, or suspend this service at any time.


Standard Benefits (Additional Charge)
Name of Benefit	Purpose	Maximum Annual Fee	Brief Description of Restrictions/Limitations

Loans	Allows certain Owners of Qualified Contracts to borrow against their Contracts. Otherwise, loans from us are not permitted.	5% Fixed Annual Rate First Round Review	● Not available to all Contract Owners. ● Contract Value held in Loan Account to secure Contract Debt earns interest at a 3% annual rate. The net annual interest rate charged on Contract Debt is 2%. ● You may have only one loan outstanding at any time. ● The minimum loan amount is $1,000, subject to certain state limitations. ● The maximum loan amount may not exceed the lesser of 50% of the amount available for withdrawal under this Contract or $50,000 less your highest outstanding Contract Debt during the 12-month period immediately preceding the effective date of your loan. ● Taking a loan while an optional living benefit Rider is in effect will terminate your Rider.


Optional Living Benefits (Additional Charges Apply)
Name of Benefit	Purpose	Maximum Annual Fee	Brief Description of Restrictions/Limitations
Future Income Generator (Single)	This benefit focuses on providing guaranteed lifetime periodic withdrawals, regardless of market performance, on a single life (the Designated Life). Provides for an amount to be added to the protected amount, which may increase the amount you can withdraw in future years.	2.50% (as a percentage of Protected Payment Base)	● Available only at Contract purchase. ● Designated Life must be 85 or younger at purchase. ● You may only have one guaranteed minimum withdrawal benefit in effect at the same time. ● Must follow investment allocation requirements which limit the number of allowable Investment Options. ● Lifetime withdrawals are available starting at age 59½. ● An Annual Credit amount that may be added to the protected amount stops on the earliest of the first withdrawal or 10 Contract Anniversaries. ● Taking a loan while this Rider is in effect will terminate your Rider. ● The aggregate purchase payments component of the death benefit amount under the contract will be reduced by withdrawals on either a pro-rata or dollar for dollar basis depending on the amount of the withdrawal. The reduction may be greater than the actual amount withdrawn. ● Taking a withdrawal before age 59 ½ or withdrawal amounts that are greater than what is allowed on an annual basis after age 59 ½ may adversely affect the benefits provided, including the ability to receive lifetime withdrawals under the rider. ● May not voluntarily terminate the rider. ● Benefit and benefit charges terminate upon annuitization.
Future Income Generator (Joint)	This benefit focuses on providing guaranteed lifetime periodic withdrawals, regardless of market performance, on joint lives (the Designated Lives). Provides for an amount to be added to the protected amount, which may increase the amount you can withdraw in future years.	2.75% (as a percentage of Protected Payment Base)	● Available only at Contract purchase. ● Both Designated Lives must be 85 or younger at purchase. ● You may only have one guaranteed minimum withdrawal benefit in effect at the same time. ● Must follow investment allocation requirements which limit the number of allowable Investment Options. ● Lifetime withdrawals are available when the youngest Designated Life is age 59½. ● An Annual Credit amount that may be added to the protected amount stops on the earlier of the first


Optional Living Benefits (Additional Charges Apply)
Name of Benefit	Purpose	Maximum Annual Fee	Brief Description of Restrictions/Limitations
			withdrawal or 10 Contract Anniversaries. ● Taking a loan while this Rider is in effect will terminate your Rider. ● The aggregate purchase payments component of the death benefit amount under the contract will be reduced by withdrawals on either a pro-rata or dollar for dollar basis depending on the amount of the withdrawal. The reduction may be greater than the actual amount withdrawn. ● Taking a withdrawal before the youngest Designated Life is age 59½ or withdrawal amounts that are greater than what is allowed on an annual basis after the youngest Designated Life is age 59 ½ may adversely affect the benefits provided, including the ability to receive lifetime withdrawals under the rider. ● May not voluntarily terminate the rider. ● Benefit and benefit charges terminate upon annuitization.
CoreIncome Advantage Select (Single)	This benefit focuses on providing guaranteed lifetime periodic withdrawals, regardless of market performance, on a single life (the Designated Life). Provides for automatic resets which may increase the amount that can be withdrawn in the future.	2.00% (as a percentage of Protected Payment Base)	● No longer available for purchase. ● Designated Life must be 85 or younger at purchase. ● You may only have one guaranteed minimum withdrawal benefit in effect at the same time. ● Taking a loan while this Rider is in effect will terminate your Rider. ● Must follow investment allocation requirements which limit the number of allowable Investment Options. ● Lifetime withdrawals are available when the Designated Life is age 59½ ● Taking a withdrawal before 59½ or a withdrawal that exceeds the annual withdrawal amount after 59½ may adversely affect the benefits provided, including failure to receive lifetime withdrawals under the rider. ● May not voluntarily terminate the rider. ● Benefit and benefit charges terminate upon annuitization.
CoreIncome Advantage Select (Joint)	This benefit focuses on providing guaranteed lifetime periodic withdrawals, regardless of market performance, on joint lives (the Designated Lives). Provides for automatic resets which may increase	2.50% (as a percentage of Protected Payment Base)	● No longer available for purchase. ● Owners/Annuitants must be a Designated Life, and the youngest Designated Life must be 85 or younger at purchase. ● You may only have one guaranteed


Optional Living Benefits (Additional Charges Apply)
Name of Benefit	Purpose	Maximum Annual Fee	Brief Description of Restrictions/Limitations
	the amount that can be withdrawn in the future.		minimum withdrawal benefit in effect at the same time. ● Taking a loan while this Rider is in effect will terminate your Rider. ● Must follow investment allocation requirements which limit the number of allowable Investment Options. ● Lifetime withdrawals are available when the youngest Designated Life is age 59½ . ● Taking a withdrawal before the youngest designated life is age 59½ or a withdrawal that exceeds the annual withdrawal amount after the youngest designated life is age 59½ may adversely affect the benefits provided, including failure to receive lifetime withdrawals under the rider. ● May not voluntarily terminate the rider. ● Benefit and benefit charges terminate upon annuitization.
CoreIncome Advantage 5 Plus (Single)	This benefit focuses on providing guaranteed lifetime periodic withdrawals, regardless of market performance, on a single life (the Designated Life). Provides for automatic resets which may increase the amount that can be withdrawn in the future.	1.50% (as a percentage of Protected Payment Base)	● No longer available for purchase. ● Designated Life must be 85 or younger at purchase. ● You may only have one guaranteed minimum withdrawal benefit in effect at the same time. ● Taking a loan while this Rider is in effect will terminate the Rider. ● Must follow investment allocation requirements which limit the number of allowable Investment Options. ● Lifetime withdrawals are available when the Designated Life is age 59½ ● Taking a withdrawal before 59½ or a withdrawal that exceeds the annual withdrawal amount after 59½ may adversely affect the benefits provided, including failure to receive lifetime withdrawals under the rider. ● May not voluntarily terminate the rider. ● Benefit and benefit charges terminate upon annuitization.
CoreIncome Advantage 5 Plus (Joint)	This benefit focuses on providing guaranteed lifetime periodic withdrawals, regardless of market performance, on joint lives (the Designated Lives). Provides for automatic resets which may increase the amount that can be withdrawn in the future.	1.80% (as a percentage of Protected Payment Base)	● No longer available for purchase. ● Owners/Annuitants must be a Designated Life, and the youngest Designated Life must be 85 or younger at purchase. ● You may only have one guaranteed minimum withdrawal benefit in effect at the same time. ● Loans are not allowed while rider is in effect.


Optional Living Benefits (Additional Charges Apply)
Name of Benefit	Purpose	Maximum Annual Fee	Brief Description of Restrictions/Limitations
			● Must follow investment allocation requirements which limit the number of allowable Investment Options. ● Lifetime withdrawals are available when the youngest Designated Life is age 59½ . ● Taking a withdrawal before the youngest designated life is age 59½ or a withdrawal that exceeds the annual withdrawal amount after the youngest designed life is age 59½ may adversely affect the benefits provided, including failure to receive lifetime withdrawals under the rider. ● May not voluntarily terminate the rider. ● Benefit and benefit charges terminate upon annuitization.
Automatic Income Builder	This benefit focuses on providing guaranteed lifetime periodic withdrawals, regardless of market performance, on joint lives (the Designated Lives). Provides for automatic resets which may increase the amount that can be withdrawn in the future.	1.50% (as a percentage of Protected Payment Base)	● No longer available for purchase. ● You may only have one guaranteed minimum withdrawal benefit in effect at the same time. ● Must follow investment allocation requirements. ● Lifetime withdrawals are available when the youngest Designated Life is age 59 1/2. ● Once a withdrawal is taken, the 0.10% annual increase to the withdrawal percentage will stop and cannot be restarted with a reset. ● Withdrawal amounts that are greater than what is allowed on an annual basis may adversely affect the benefits provided.


Optional Death Benefits (Additional Charges Apply)
Name of Benefit	Purpose	Maximum Annual Fee	Brief Description of Restriction/Limitations
Earnings Enhancement Death Benefit	This benefit may enhance the death benefit, by adding an additional amount – based on the age of the oldest Owner on rider effective date and Earnings —to the death benefit proceeds.	0.25% (as a percentage of Contract Value	● Available at Contract purchase or within 60 calendar days after the Contract Date. ● Owner and Annuitant must be 75 years or younger on the date of purchase. ● Withdrawals are first taken from earnings in the Contract. ● There is no additional amount added if there are no earnings in the Contract as of the date of Death. ● An ownership change to an Owner who is older than 75 will terminate the rider. ● May not voluntarily terminate the rider. ● This benefit and benefit charges terminates upon annuitization or when the Contract Value is reduced to zero. ● This Rider is not available in California.
Stepped-Up Death Benefit II Rider	This benefit provides a death benefit equal to the greater of the death benefit amount under the Contract or the death benefit amount under this option, adjusted for withdrawals. Provides for step-ups to increase the death benefit amount under this benefit.	0.20% (as a percentage of average daily Variable Account Value)	● Available only at contract purchase. ● Owner and Annuitant must be 75 or younger on the contract date. ● Certain ownership changes may reduce benefits. ● Step-ups stop on the contract anniversary prior to the oldest owner or annuitant reaching age 81. ● Withdrawals will reduce the benefit and the reduction made may be greater than the actual amount withdrawn. ● This benefit and benefit charges terminate upon annuitization or when the Contract Value is reduced to zero. ● May not voluntarily terminate the rider.


Optional Death Benefits (Additional Charges Apply)
Name of Benefit	Purpose	Maximum Annual Fee	Brief Description of Restriction/Limitations

Stepped-Up Death Benefit (For Contracts issued in California)	This benefit provides a death benefit equal to the greater of the death benefit amount under the Contract or the death benefit amount under this benefit. Provides for step-ups to increase the death benefit amount under this benefit.	0.20% (as a percentage of average daily Variable Account Value)	● Available only at contract purchase. ● Only available for Contracts in California. ● Withdrawals will reduce this benefit and the reduction made may be greater than the amount withdrawn. ● Step-ups stop on the Contract Anniversary prior to the oldest owner or annuitant reaching age 81. ● All Owners and Annuitants must be 75 or younger on the Contract Date. ● This benefit and benefit charges terminate upon annuitization or when the Contract Value is reduced to zero. ● May not voluntarily terminate the rider.

Item 17. Investment Options [Line Items]

Portfolio Companies [Table Text Block]


Investment Objective	Fund; Advisor (Subadvisor)	Current Expenses	Average Annual Total Returns (as of 12/31/2024)
			1 Year	5 Year	10 Year
Provide you with a high level of current income. Its secondary investment objective is capital appreciation.	American Funds IS American High-Income Trust Class 4; Capital Research and Management Company℠	0.83%¹	9.39%	5.29%	5.06%
Provide high total return (including income and capital gains) consistent with preservation of capital over the long term.	American Funds IS Asset Allocation Fund Class 4; Capital Research and Management Company℠	0.79%	16.11%	8.04%	8.05%
The fund has two primary investment objectives. It seeks (1) to provide a level of current income that exceeds the average yield on U.S. stocks generally and (2) to provide a growing stream of income over the years. Secondary objective is to provide growth of capital.	American Funds IS Capital Income Builder^® Class 4; Capital Research and Management Company℠	0.78%¹	9.93%	5.75%	5.17%
Provide, over the long term, with a high level of total return consistent with prudent investment management. Total return comprises the income generated by the fund and the changes in the market value of the fund’s investments.	American Funds IS Capital World Bond Fund Class 4; Capital Research and Management Company℠	0.98%	-3.32%	-2.65%	-0.33%
Provide you with long-term growth of capital while providing current income.	American Funds IS Capital World Growth and Income Fund Class 4; Capital Research and Management Company℠	0.92%¹	13.70%	7.04%	8.17%


Investment Objective	Fund; Advisor (Subadvisor)	Current Expenses	Average Annual Total Returns (as of 12/31/2024)
			1 Year	5 Year	10 Year
Seeks the balanced accomplishment of three objectives: long-term growth of capital, conservation of principal and current income.	American Funds IS Global Balanced Fund Class 4; Capital Research and Management Company℠	1.01%¹	6.32%	4.56%	5.65%
Provide long-term growth of capital.	American Funds IS Global Growth Fund Class 4; Capital Research and Management Company℠	0.91%¹	13.39%	9.49%	10.46%
Provide long-term growth of capital.	American Funds IS Global Small Capitalization Fund Class 4; Capital Research and Management Company℠	1.15%¹	2.12%	2.74%	5.54%
Provide growth of capital.	American Funds IS Growth Fund Class 4; Capital Research and Management Company℠	0.84%	31.29%	18.53%	16.29%
Seeks to provide long-term growth of capital and income.	American Funds IS Growth-Income Fund Class 4; Capital Research and Management Company℠	0.78%	23.93%	12.73%	11.93%
Provide long-term growth of capital.	American Funds IS International Fund Class 4; Capital Research and Management Company℠	1.03%	2.93%	0.97%	3.75%
Provide long-term growth of capital while providing current income.	American Funds IS International Growth and Income Fund Class 4; Capital Research and Management Company℠	1.06%	3.11%	2.28%	3.73%
Provide long-term capital appreciation.	American Funds IS New World Fund^® Class 4; Capital Research and Management Company℠	1.07%¹	6.33%	4.29%	5.96%
Provide as high a level of current income as is consistent with the preservation of capital.	American Funds IS The Bond Fund of America Class 4; Capital Research and Management Company℠	0.73%¹	0.98%	0.07%	1.42%


Investment Objective	Fund; Advisor (Subadvisor)	Current Expenses	Average Annual Total Returns (as of 12/31/2024)
			1 Year	5 Year	10 Year
Provide a high level of current income consistent with prudent investment risk and preservation of capital.	American Funds IS U.S. Government Securities Fund Class 4; Capital Research and Management Company℠	0.75%¹	0.44%	-0.13%	0.84%
Produce income and to provide an opportunity for growth of principal consistent with sound common stock investing.	American Funds IS Washington Mutual Investors Fund Class 4; Capital Research and Management Company℠	0.75%¹	18.85%	11.92%	9.99%
Seeks long-term growth of capital.	BlackRock Capital Appreciation V.I. Fund Class III; BlackRock Advisors, LLC	1.04%¹	31.93%	15.84%	14.77%
Seeks high total investment return.	BlackRock Global Allocation V.I. Fund Class III; BlackRock Advisors, LLC	1.01%¹	8.93%	5.72%	5.32%
Seeks long-term capital appreciation.	Fidelity VIP Contrafund^® Portfolio Service Class 2; Fidelity Management & Research Company LLC	0.81%	33.45%	16.74%	13.33%
Seeks high total return.	Fidelity^® VIP FundsManager^® 60% Portfolio Service Class 2; Fidelity Management & Research Company LLC	0.81%¹	9.45%	6.41%	6.51%
Seeks as high a level of current income as is consistent with preservation of capital and liquidity.	Fidelity^® VIP Government Money Market Portfolio Service Class; Fidelity Management & Research Company LLC	0.35%	5.00%	2.27%	1.54%
Seeks a high level of current income. The fund may also seek capital appreciation.	Fidelity^® VIP Strategic Income Portfolio Service Class 2; Fidelity Management & Research Company LLC	0.89%	5.78%	2.54%	3.34%
Seeks to provide total return by allocating among dividend-paying stocks and investment grade bonds.	First Trust/Dow Jones Dividend & Income Allocation Portfolio Class I; First Trust Advisors L.P.	1.18%	6.01%	4.48%	6.14%
Seeks capital appreciation, with income as a secondary goal.	Franklin Allocation VIP Fund Class 2; Franklin Advisers, Inc.	0.82%¹	9.15%	5.57%	5.38%


Investment Objective	Fund; Advisor (Subadvisor)	Current Expenses	Average Annual Total Returns (as of 12/31/2024)
			1 Year	5 Year	10 Year
Seeks capital appreciation.	Franklin Mutual Global Discovery VIP Fund Class 2; Franklin Mutual Advisers, LLC	1.16%	4.66%	6.42%	5.87%
Seeks long-term capital appreciation, with preservation of capital as an important consideration.	Franklin Rising Dividends VIP Fund Class 2; Franklin Advisers, Inc.	0.88%¹	10.79%	10.30%	10.44%
Both capital appreciation and current income.	Invesco V.I. Equity and Income Fund Series II; Invesco Advisers, Inc.	0.82%	11.91%	8.12%	7.09%
Seeks long-term capital growth, consistent with preservation of capital and balanced by current income.	Janus Henderson Balanced Portfolio Service Shares; Janus Henderson Investors US LLC	0.87%	15.15%	8.06%	8.40%
Seeks high current income and the opportunity for capital appreciation to produce a high total return.	Lord Abbett Bond Debenture Portfolio Class VC; Lord Abbett & Co. LLC	1.14%	6.72%	1.90%	3.73%
Seeks income and capital appreciation to produce a high total return.	Lord Abbett Total Return Portfolio Class VC; Lord Abbett & Co. LLC	0.71%	2.66%	0.11%	1.50%
Seeks long-term capital growth. Income is a secondary objective.	LVIP American Century Mid Cap Value Service Class; Lincoln Financial Investments Corporation ("LFI")	1.01%¹	8.52%	7.13%	7.87%
Seeks total return.	MFS Utilities Series – Service Class; Massachusetts Financial Services Company	1.04%¹	11.34%	5.61%	6.02%
Seeks capital appreciation.	MFS Value Series – Service Class; Massachusetts Financial Services Company	0.94%¹	11.35%	7.76%	8.36%
Seeks capital appreciation.	MFS^® Massachusetts Investors Growth Stock Portfolio – Service Class; Massachusetts Financial Services Company	0.97%¹	15.98%	12.16%	12.91%
Seeks total return.	MFS^® Total Return Series – Service Class; Massachusetts Financial Services Company	0.86%¹	7.46%	5.89%	6.20%


Investment Objective	Fund; Advisor (Subadvisor)	Current Expenses	Average Annual Total Returns (as of 12/31/2024)
			1 Year	5 Year	10 Year
Seeks to maximize total return consistent with prudent investment management.	Pacific Select Fund Diversified Bond Portfolio Class I; Pacific Life Fund Advisors LLC (Loomis Sayles & Company, L.P.)	0.64%	1.62%	-1.50%	1.60%
Seeks dividend income and long-term capital appreciation.	Pacific Select Fund Dividend Growth Portfolio Class I; Pacific Life Fund Advisors LLC (T. Rowe Price Associates, Inc.)	0.87%¹	13.24%	10.39%	11.10%
Seeks to maximize total return consistent with prudent investment management.	Pacific Select Fund Emerging Markets Debt Portfolio Class I; Pacific Life Fund Advisors LLC (Principal Global Investors, LLC)	1.04%¹	6.88%	0.80%	3.15%
Seeks long-term growth of capital.	Pacific Select Fund Emerging Markets Portfolio Class I; Pacific Life Fund Advisors LLC (Goldman Sachs Asset Management, L.P.)	1.04%¹	-1.52%	-2.91%	1.64%
Seeks investment results that correspond to the total return of common stocks that are publicly traded in the U.S.	Pacific Select Fund Equity Index Portfolio Class I; Pacific Life Fund Advisors LLC (BlackRock Investment Management, LLC)	0.28%	24.66%	14.22%	12.78%
Seeks long-term growth of capital and low to moderate income, while giving consideration to certain environmental, social and governance (“ESG”) criteria.	Pacific Select Fund ESG Diversified Growth Portfolio Class I; Pacific Life Fund Advisors LLC	0.79%¹	13.88%	N/A	N/A
Seeks long-term growth of capital and low to moderate income, while giving consideration to certain environmental, social and governance (“ESG”) criteria.	Pacific Select Fund ESG Diversified Portfolio Class I; Pacific Life Fund Advisors LLC	0.79%¹	12.18%	N/A	N/A
Seeks a high level of current income.	Pacific Select Fund Floating Rate Income Portfolio Class I; Pacific Life Fund Advisors LLC (Aristotle Pacific Capital LLC)	0.92%	8.05%	5.78%	4.97%


Investment Objective	Fund; Advisor (Subadvisor)	Current Expenses	Average Annual Total Returns (as of 12/31/2024)
			1 Year	5 Year	10 Year
Seeks long-term growth of capital.	Pacific Select Fund Focused Growth Portfolio Class I; Pacific Life Fund Advisors LLC (Janus Henderson Investors US LLC)	0.95%	27.95%	14.12%	14.92%
Seeks long-term growth of capital.	Pacific Select Fund Growth Portfolio Class I; Pacific Life Fund Advisors LLC (MFS Investment Management)	0.78%	31.82%	14.82%	15.10%
Seeks a high level of current income.	Pacific Select Fund High Yield Bond Portfolio Class I; Pacific Life Fund Advisors LLC (Aristotle Pacific Capital LLC)	0.63%	7.14%	3.74%	4.62%
Seeks to maximize total return consistent with prudent investment management.	Pacific Select Fund Inflation Managed Portfolio Class I; Pacific Life Fund Advisors LLC (Pacific Investment Management Company LLC)	1.32%	2.36%	1.95%	2.15%
Seeks to maximize total return.	Pacific Select Fund Intermediate Bond Portfolio Class I; Pacific Life Fund Advisors LLC (JPMorgan Investment Management, Inc.)	0.64%	2.11%	N/A	N/A
Seeks long-term growth of capital.	Pacific Select Fund International Growth Portfolio Class I; Pacific Life Fund Advisors LLC (ClearBridge Investments, LLC)	0.95%	7.39%	N/A	N/A
Seeks long-term growth of capital.	Pacific Select Fund International Large-Cap Portfolio Class I; Pacific Life Fund Advisors LLC (MFS Investment Management)	1.00%¹	3.68%	5.81%	6.62%
Seeks long-term growth of capital.	Pacific Select Fund International Small-Cap Portfolio Class I; Pacific Life Fund Advisors LLC (FIAM, LLC.)	1.15%¹	-0.98%	3.51%	4.89%


Investment Objective	Fund; Advisor (Subadvisor)	Current Expenses	Average Annual Total Returns (as of 12/31/2024)
			1 Year	5 Year	10 Year
Seeks long-term capital appreciation primarily through investment in equity securities of corporations domiciled in countries with developed economies and markets other than the U.S. Current income from dividends and interest will not be an important consideration.	Pacific Select Fund International Value Portfolio Class I; Pacific Life Fund Advisors LLC (Wellington Management Company LLP)	0.91%	3.89%	6.62%	5.23%
Seeks long-term growth of capital.	Pacific Select Fund Large-Cap Core Portfolio Class I; Pacific Life Fund Advisors LLC (JPMorgan Investment Management, Inc.)	0.68%	23.96%	12.72%	11.62%
Seeks long-term growth of capital; current income is of secondary importance.	Pacific Select Fund Large-Cap Growth Portfolio Class I; Pacific Life Fund Advisors LLC (FIAM, LLC)	0.86%¹	29.97%	14.28%	14.12%
Seeks long-term growth of capital; current income is of secondary importance.	Pacific Select Fund Large-Cap Value Portfolio Class I; Pacific Life Fund Advisors LLC (ClearBridge Investments, LLC)	0.84%	7.97%	9.11%	8.43%
Seeks long-term growth of capital.	Pacific Select Fund Mid-Cap Growth Portfolio Class I; Pacific Life Fund Advisors LLC (Federated MDTA LLC)	0.88%¹	2.48%	8.27%	10.17%
Seeks capital appreciation.	Pacific Select Fund Mid-Cap Plus Bond Alpha Portfolio Class I (formerly called Pacific Select Fund Mid-Cap Equity Portfolio Class I); Pacific Life Fund Advisors LLC (Fidelity Diversifying Solutions LLC)	0.65%¹	14.95%	10.24%	10.26%
Seeks long-term growth of capital.	Pacific Select Fund Mid-Cap Value Portfolio Class I; Pacific Life Fund Advisors LLC (Boston Partners Global Investors, Inc.)	0.93%	10.31%	9.80%	8.89%


Investment Objective	Fund; Advisor (Subadvisor)	Current Expenses	Average Annual Total Returns (as of 12/31/2024)
			1 Year	5 Year	10 Year
Seeks high, long-term growth of capital.	Pacific Select Fund Pacific Dynamix – Aggressive Growth Portfolio Class I; Pacific Life Fund Advisors LLC	0.59%¹	N/A	N/A	N/A
Seeks current income and moderate growth of capital.	Pacific Select Fund Pacific Dynamix – Conservative Growth Portfolio Class I; Pacific Life Fund Advisors LLC	0.59%¹	8.54%	4.39%	4.81%
Seeks moderately high, long-term growth of capital with low, current income.	Pacific Select Fund Pacific Dynamix – Growth Portfolio Class I; Pacific Life Fund Advisors LLC	0.59%¹	13.90%	8.00%	7.78%
Seeks long-term growth of capital and low to moderate income.	Pacific Select Fund Pacific Dynamix – Moderate Growth Portfolio Class I; Pacific Life Fund Advisors LLC	0.59%¹	12.12%	6.63%	6.49%
Seeks high, long-term capital appreciation.	Pacific Select Fund Portfolio Optimization Aggressive-Growth Portfolio Class I; Pacific Life Fund Advisors LLC	0.97%	12.37%	6.94%	7.26%
Seeks current income and preservation of capital.	Pacific Select Fund Portfolio Optimization Conservative Portfolio Class I; Pacific Life Fund Advisors LLC	0.90%	6.38%	2.04%	3.14%
Seeks moderately high, long-term capital appreciation with low, current income.	Pacific Select Fund Portfolio Optimization Growth Portfolio Class I; Pacific Life Fund Advisors LLC	0.94%	11.36%	6.20%	6.65%
Seeks long-term growth of capital and low to moderate income.	Pacific Select Fund Portfolio Optimization Moderate Portfolio Class I; Pacific Life Fund Advisors LLC	0.92%	11.21%	5.44%	5.81%
Seeks current income and moderate growth of capital.	Pacific Select Fund Portfolio Optimization Moderate-Conservative Portfolio Class I; Pacific Life Fund Advisors LLC	0.91%	8.41%	3.67%	4.45%


Investment Objective	Fund; Advisor (Subadvisor)	Current Expenses	Average Annual Total Returns (as of 12/31/2024)
			1 Year	5 Year	10 Year
Seeks current income and long-term capital appreciation.	Pacific Select Fund Real Estate Portfolio Class I; Pacific Life Fund Advisors LLC (Principal Real Estate Investors LLC)	0.99%¹	7.51%	4.16%	5.23%
Seeks current income; capital appreciation is of secondary importance.	Pacific Select Fund Short Duration Bond Portfolio Class I; Pacific Life Fund Advisors LLC (T. Rowe Price Associates, Inc.)	0.64%	4.87%	1.62%	1.67%
Seeks long-term growth of capital.	Pacific Select Fund Small-Cap Equity Portfolio Class I; Pacific Life Fund Advisors LLC (Franklin Mutual Advisers, LLC & BlackRock Investment Management, LLC)	0.94%¹	9.70%	7.54%	7.33%
Seeks capital appreciation; no consideration is given to income.	Pacific Select Fund Small-Cap Growth Portfolio Class I; Pacific Life Fund Advisors LLC (MFS Investment Management)	0.84%	6.55%	6.17%	8.14%
Seeks investment results that correspond to the total return of an index of small-capitalization companies.	Pacific Select Fund Small-Cap Index Portfolio Class I; Pacific Life Fund Advisors LLC (BlackRock Investment Management, LLC)	0.58%	10.84%	6.77%	7.20%
Seeks long-term growth of capital.	Pacific Select Fund Small-Cap Value Portfolio Class I; Pacific Life Fund Advisors LLC (Avantis Investors by American Century)	0.83%¹	6.18%	5.91%	6.30%
Seeks to maximize total return consistent with prudent investment management.	Pacific Select Fund Total Return Portfolio Class I (formerly called Pacific Select Fund Managed Bond Portfolio Class I); Pacific Life Fund Advisors LLC (Pacific Investment Management Company LLC)	0.92%	2.70%	0.15%	1.65%


Investment Objective	Fund; Advisor (Subadvisor)	Current Expenses	Average Annual Total Returns (as of 12/31/2024)
			1 Year	5 Year	10 Year
Seeks to provide long-term total return from a combination of income and capital gains.	Pacific Select Fund Value Advantage Portfolio Class I; Pacific Life Fund Advisors LLC (JPMorgan Investment Management, Inc.)	0.87%¹	16.50%	8.89%	8.41%
Seeks long-term growth of capital.	Pacific Select Fund Value Portfolio Class I; Pacific Life Fund Advisors LLC (Putnam Investment Management, LLC)	0.86%¹	10.14%	5.17%	6.22%
Highest total return, composed of current income and capital appreciation, as is consistent with prudent investment risk.	State Street Total Return V.I.S. Fund Class 3²; SSGA Funds Management, Inc.	0.90%	15.21%	5.90%	4.66%
Seeks high current income, consistent with preservation of capital, with capital appreciation as a secondary consideration.	Templeton Global Bond VIP Fund Class 2; Franklin Advisers, Inc.	0.75%¹	-11.37%	-4.85%	-2.03%
Seeks long-term capital appreciation by investing primarily in global resource securities. Income is a secondary consideration.	VanEck VIP Global Resources Fund Class S; Van Eck Associates Corporation	1.30%	-3.09%	7.28%	0.57%

¹To help limit Fund expenses, Fund advisers have contractually agreed to reduce investment advisory fees or otherwise reimburse certain of their Funds which reflect temporary fee reductions. There can be no assurance that Fund expense waivers or reimbursements will be extended beyond their current terms as outlined in each Fund prospectus, and they may not cover certain expenses such as extraordinary expenses. See each Fund prospectus for complete information regarding these arrangements.

²Effective November 1, 2024, transfer requests and premium allocations designated to the State Street Total Return V.I.S Investment Option are no longer accepted. If you were invested in this option prior to the effective date, you may continue to allocate premiums to this option. If at any time, you reduce your investment in this fund to $0, you will not be able to invest in this fund again in the future.

Provide you with a high level of current income. Its secondary investment objective is capital appreciation.

Capital Research and Management Company

9.39%

5.06%

American Funds IS Asset Allocation Fund Class 4

0.79%

8.04%

The fund has two primary investment objectives. It seeks (1) to provide a level of current income that exceeds the average yield on U.S. stocks generally and (2) to provide a growing stream of income over the years. Secondary objective is to provide growth of capital.

Capital Research and Management Company

9.93%

5.17%

American Funds IS Capital World Bond Fund Class 4

0.98%

(2.65%)

Provide you with long-term growth of capital while providing current income.

Capital Research and Management Company

13.70%

8.17%

American Funds IS Global Balanced Fund Class 4

1.01%

^[7]

4.56%

Provide long-term growth of capital.

Capital Research and Management Company

13.39%

10.46%

American Funds IS Global Small Capitalization Fund Class 4

1.15%

^[7]

2.74%

Provide growth of capital.

Capital Research and Management Company

31.29%

16.29%

American Funds IS Growth-Income Fund Class 4

0.78%

12.73%

Provide long-term growth of capital.

Capital Research and Management Company

2.93%

3.75%

American Funds IS International Growth and Income Fund Class 4

1.06%

2.28%

Provide long-term capital appreciation.

Capital Research and Management Company

6.33%

5.96%

American Funds IS The Bond Fund of America Class 4

0.73%

^[7]

0.07%

Provide a high level of current income consistent with prudent investment risk and preservation of capital.

Capital Research and Management Company

0.44%

0.84%

American Funds IS Washington Mutual Investors Fund Class 4

0.75%

^[7]

Optional Benefit Expense (of Benefit Base), Maximum [Percent]

11.92%

1.50%

Optional Benefit Expense (of Benefit Base), Maximum [Percent]

1.50%

BlackRock Capital Appreciation V.I. Fund Class III

1.04%

^[7]

15.84%

Seeks high total investment return.

BlackRock Advisors, LLC

8.93%

5.32%

Optional Benefit Expense (of Benefit Base), Maximum [Percent]

1.55%

Optional Benefit Expense (of Benefit Base), Maximum [Percent]

1.55%

Optional Benefit Expense (of Benefit Base), Maximum [Percent]

2.00%

Optional Benefit Expense (of Benefit Base), Maximum [Percent]

2.00%

Seeks long-term capital appreciation.

Fidelity Management & Research Company LLC

33.45%

13.33%

Fidelity^® VIP FundsManager^® 60% Portfolio Service Class 2

0.81%

^[7]

6.41%

Seeks as high a level of current income as is consistent with preservation of capital and liquidity.

Fidelity Management & Research Company LLC

5.00%

1.54%

Fidelity^® VIP Strategic Income Portfolio Service Class 2

0.89%

2.54%

Seeks to provide total return by allocating among dividend-paying stocks and investment grade bonds.

First Trust Advisors L.P.

6.01%

6.14%

Franklin Allocation VIP Fund Class 2

0.82%

^[7]

5.57%

Seeks capital appreciation.

Franklin Mutual Advisers, LLC

4.66%

5.87%

Franklin Rising Dividends VIP Fund Class 2

0.88%

^[7]

Optional Benefit Expense (of Benefit Base), Current [Percent]

10.30%

2.75%

^[8]

Optional Benefit Expense (of Benefit Base), Current [Percent]

2.75%

^[8]

Both capital appreciation and current income.

Invesco Advisers, Inc.

11.91%

7.09%

Janus Henderson Balanced Portfolio Service Shares

0.87%

8.06%

Seeks long-term capital growth. Income is a secondary objective.

Lincoln Financial Investments Corporation ("LFI")

8.52%

7.87%

Lord Abbett Bond Debenture Portfolio Class VC

1.14%

1.90%

Seeks income and capital appreciation to produce a high total return.

Lord Abbett & Co. LLC

2.66%

1.50%

MFS^® Massachusetts Investors Growth Stock Portfolio – Service Class

0.97%

^[7]

12.16%

Seeks total return.

Massachusetts Financial Services Company

7.46%

6.20%

MFS Utilities Series – Service Class

1.04%

^[7]

5.61%

Seeks capital appreciation.

Massachusetts Financial Services Company

11.35%

8.36%

Pacific Select Fund Diversified Bond Portfolio Class I

Loomis Sayles & Company, L.P.

1.62%

1.60%

Pacific Select Fund Dividend Growth Portfolio Class I

T. Rowe Price Associates, Inc.

13.24%

11.10%

Pacific Select Fund ESG Diversified Growth Portfolio Class I

0.79%

^[7]

Seeks long-term growth of capital and low to moderate income, while giving consideration to certain environmental, social and governance (“ESG”) criteria.

Pacific Life Fund Advisors LLC

12.18%

Pacific Select Fund Emerging Markets Debt Portfolio Class I

Principal Global Investors, LLC

6.88%

3.15%

Pacific Select Fund Emerging Markets Portfolio Class I

Goldman Sachs Asset Management, L.P.

(1.52%)

1.64%

Pacific Select Fund Equity Index Portfolio Class I

BlackRock Investment Management, LLC

24.66%

12.78%

Pacific Select Fund Floating Rate Income Portfolio Class I

Aristotle Pacific Capital LLC

8.05%

4.97%

Pacific Select Fund Focused Growth Portfolio Class I

Janus Henderson Investors US LLC

27.95%

14.92%

Pacific Select Fund Growth Portfolio Class I

MFS Investment Management

31.82%

15.10%

Pacific Select Fund High Yield Bond Portfolio Class I

Aristotle Pacific Capital LLC

7.14%

4.62%

Pacific Select Fund Inflation Managed Portfolio Class I

Pacific Investment Management Company LLC

2.36%

2.15%

Pacific Select Fund Intermediate Bond Portfolio Class I

JPMorgan Investment Management, Inc.

2.11%

Pacific Select Fund International Growth Portfolio Class I

ClearBridge Investments, LLC

7.39%

Pacific Select Fund International Large-Cap Portfolio Class I

MFS Investment Management

3.68%

6.62%

Pacific Select Fund International Small-Cap Portfolio Class I

FIAM, LLC.

(0.98%)

4.89%

Pacific Select Fund International Value Portfolio Class I

Wellington Management Company LLP

3.89%

5.23%

Pacific Select Fund Large-Cap Core Portfolio Class I

JPMorgan Investment Management, Inc.

23.96%

11.62%

Pacific Select Fund Large-Cap Growth Portfolio Class I

FIAM, LLC

29.97%

14.12%

Pacific Select Fund Large-Cap Value Portfolio Class I

ClearBridge Investments, LLC

7.97%

8.43%

Pacific Select Fund Mid-Cap Growth Portfolio Class I

Federated MDTA LLC

2.48%

10.17%

Pacific Select Fund Mid-Cap Plus Bond Alpha Portfolio Class I (formerly called Pacific Select Fund Mid-Cap Equity Portfolio Class I)

Fidelity Diversifying Solutions LLC

14.95%

10.26%

Pacific Select Fund Mid-Cap Value Portfolio Class I

Boston Partners Global Investors, Inc.

10.31%

8.89%

Pacific Select Fund Pacific Dynamix – Aggressive Growth Portfolio Class I

0.59%

^[7]

Pacific Select Fund Pacific Dynamix – Conservative Growth Portfolio Class I

0.59%

^[7]

4.39%

Seeks moderately high, long-term growth of capital with low, current income.

Pacific Life Fund Advisors LLC

13.90%

7.78%

Pacific Select Fund Pacific Dynamix – Moderate Growth Portfolio Class I

0.59%

^[7]

6.63%

Seeks high, long-term capital appreciation.

Pacific Life Fund Advisors LLC

12.37%

7.26%

Pacific Select Fund Portfolio Optimization Conservative Portfolio Class I

0.90%

2.04%

Seeks moderately high, long-term capital appreciation with low, current income.

Pacific Life Fund Advisors LLC

11.36%

6.65%

Pacific Select Fund Portfolio Optimization Moderate-Conservative Portfolio Class I

0.91%

3.67%

Seeks long-term growth of capital and low to moderate income.

Pacific Life Fund Advisors LLC

11.21%

5.81%

Pacific Select Fund Real Estate Portfolio Class I

Principal Real Estate Investors LLC

7.51%

5.23%

Pacific Select Fund Short Duration Bond Portfolio Class I

T. Rowe Price Associates, Inc.

4.87%

1.67%

Pacific Select Fund Small-Cap Equity Portfolio Class I

Franklin Mutual Advisers, LLC & BlackRock Investment Management, LLC

9.70%

7.33%

Pacific Select Fund Small-Cap Growth Portfolio Class I

MFS Investment Management

6.55%

8.14%

Pacific Select Fund Small-Cap Index Portfolio Class I

BlackRock Investment Management, LLC

10.84%

7.20%

Pacific Select Fund Small-Cap Value Portfolio Class I

Avantis Investors by American Century

6.18%

6.30%

Pacific Select Fund Total Return Portfolio Class I (formerly called Pacific Select Fund Managed Bond Portfolio Class I

Pacific Investment Management Company LLC

2.70%

1.65%

Pacific Select Fund Value Advantage Portfolio Class I

JPMorgan Investment Management, Inc.

16.50%

8.41%

Pacific Select Fund Value Portfolio Class I

Putnam Investment Management, LLC

10.14%

6.22%

State Street Total Return V.I.S. Fund Class 3

^[9]

0.90%

^[9]

Optional Benefit Expense (of Benefit Base), Maximum [Percent]

5.90%

^[9]

0.20%

Optional Benefit Expense (of Benefit Base), Maximum [Percent]

0.20%

Templeton Global Bond VIP Fund Class 2

0.75%

^[7]

(4.85%)

Seeks long-term capital appreciation by investing primarily in global resource securities. Income is a secondary consideration.

Van Eck Associates Corporation

(3.09%)

0.57%

Optional Benefit Expense (of Benefit Base), Maximum [Percent]

1.50%

Optional Benefit Expense (of Benefit Base), Maximum [Percent]

Automatic Income Builder

1.50%

Automatic Income Builder

This benefit focuses on providing guaranteed lifetime periodic withdrawals, regardless of market performance, on joint lives (the Designated Lives). Provides for automatic resets which may increase the amount that can be withdrawn in the future.

Optional Benefit Expense (of Benefit Base), Maximum [Percent]

● No longer available for purchase.

● Owners/Annuitants must be a Designated Life, and the youngest Designated Life must be 85 or younger at purchase.

● You may only have one guaranteed minimum withdrawal benefit in effect at the same time.

● Loans are not allowed while rider is in effect.

● Must follow investment allocation requirements which limit the number of allowable Investment Options.

● Lifetime withdrawals are available when the youngest Designated Life is age 59½ .

● Taking a withdrawal before the youngest designated life is age 59½ or a withdrawal that exceeds the annual withdrawal amount after the youngest designed life is age 59½ may adversely affect the benefits provided, including failure to receive lifetime withdrawals under the rider.

● May not voluntarily terminate the rider.

● Benefit and benefit charges terminate upon annuitization.

1.50%

Optional Benefit Expense (of Benefit Base), Maximum [Percent]

CoreIncome Advantage 5 Plus (Single)

1.50%

CoreIncome Advantage 5 Plus (Single)

This benefit focuses on providing guaranteed lifetime periodic withdrawals, regardless of market performance, on joint lives (the Designated Lives). Provides for automatic resets which may increasethe amount that can be withdrawn in the future.

Optional Benefit Expense (of Benefit Base), Maximum [Percent]

● No longer available for purchase.

● Owners/Annuitants must be a Designated Life, and the youngest Designated Life must be 85 or younger at purchase.

● You may only have one guaranteed

minimum withdrawal benefit in effect at the same time.

● Taking a loan while this Rider is in effect will terminate your Rider.

● Must follow investment allocation requirements which limit the number of allowable Investment Options.

● Lifetime withdrawals are available when the youngest Designated Life is age 59½ .

● Taking a withdrawal before the youngest designated life is age 59½ or a withdrawal that exceeds the annual withdrawal amount after the youngest designated life is age 59½ may adversely affect the benefits provided, including failure to receive lifetime withdrawals under the rider.

● May not voluntarily terminate the rider.

● Benefit and benefit charges terminate upon annuitization.

2.00%

Optional Benefit Expense (of Benefit Base), Maximum [Percent]

CoreIncome Advantage Select (Single)

2.00%

CoreIncome Advantage Select (Single)

Allows dollar cost averaging transfers from the DCA Plus Fixed Option to one or more Variable Investment Options. Amounts held in the DCA Plus Fixed Option will earn a guaranteed minimum interest rate.

● Can only have one dollar cost averaging program in effect at one time.

● Only available prior to the Annuity Date.

● Program transfers do not count against limits on permitted transfers

Standard Benefit Expense, Maximum [Dollars]

Death Benefit Amount

$ 0

Death Benefit Amount

Allows dollar cost averaging transfers from one Variable Investment Option to one or more Variable Investment Options. Dollar cost averaging may allow you to average the purchase prices of Variable Investment Options over time, and may permit a “smoothing” of abrupt peaks and drops in price.

Optional Benefit Expense (of Benefit Base), Maximum [Percent]

● Amounts can only be transferred to one or more Variable Investment Options.

● Can only have one dollar cost averaging program in effect and cannot have a DCA Plus program in effect at the same time.

● Only available prior to the Annuity Date.

0.25%

Optional Benefit Expense (of Benefit Base), Maximum [Percent]

Earnings Enhancement Death Benefit

0.25%

Earnings Enhancement Death Benefit

Allows you to automatically transfer your earnings from the Fidelity VIP Government Money Market to one or more Variable Investment Options.

Optional Benefit Expense (of Benefit Base), Current [Percent]

● Transfers can occur monthly, quarterly, semi-annually, or annually.

● Can only have one earnings sweep program in effect at one time.

● If withdrawals occur during a period, we will assume that the withdrawal was taken from earnings and will reduce the amount transferred during the period.

● Program transfers do not count against limits on permitted transfers.

● We may discontinue, modify, or suspend this service at any time.

5.00%

Optional Benefit Expense (of Benefit Base), Current [Percent]

5.00%

This benefit focuses on providing guaranteed lifetime periodic withdrawals, regardless of market performance, on joint lives (the Designated Lives). Provides for an amount to be added to the protected amount, which may increase the amount you can withdraw in future years.

Optional Benefit Expense (of Benefit Base), Maximum [Percent]

● Available only at Contract purchase.

● Both Designated Lives must be 85 or younger at purchase.

● You may only have one guaranteed minimum withdrawal benefit in effect at the same time.

● Must follow investment allocation requirements which limit the number of allowable Investment Options.

● Lifetime withdrawals are available when the youngest Designated Life is age 59½.

● An Annual Credit amount that may be added to the protected amount stops on the earlier of the first

withdrawal or 10 Contract Anniversaries.

● Taking a loan while this Rider is in effect will terminate your Rider.

● The aggregate purchase payments component of the death benefit amount under the contract will be reduced by withdrawals on either a pro-rata or dollar for dollar basis depending on the amount of the withdrawal. The reduction may be greater than the actual amount withdrawn.

● Taking a withdrawal before the youngest Designated Life is age 59½ or withdrawal amounts that are greater than what is allowed on an annual basis after the youngest Designated Life is age 59 ½ may adversely affect the benefits provided, including the ability to receive lifetime withdrawals under the rider.

● May not voluntarily terminate the rider.

● Benefit and benefit charges terminate upon annuitization.

2.50%

Optional Benefit Expense (of Benefit Base), Maximum [Percent]

Future Income Generator (Single)

2.50%

Future Income Generator (Single)

Optional Benefit Expense, Footnotes [Text Block]

As a percentage of Contract Debt. This net percentage factors in a 5% fixed annual rate charged on your Contract Debt and a 3% annual return on the loaned amount held in the Loan Account. See ADDITIONAL INFORMATION—Loans.

Optional Benefit Expense (of Benefit Base), Maximum [Percent]

2.00%

^[10]

Loans

● Not available to all Contract Owners.

● Contract Value held in Loan Account to secure Contract Debt earns interest at a 3% annual rate. The net annual interest rate charged on Contract Debt is 2%.

● You may have only one loan outstanding at any time.

● The minimum loan amount is $1,000, subject to certain state limitations.

● The maximum loan amount may not exceed the lesser of 50% of the amount available for withdrawal under this Contract or $50,000 less your highest outstanding Contract Debt during the 12-month period immediately preceding the effective date of your loan.

● Taking a loan while an optional living benefit Rider is in effect will terminate your Rider.

Standard Benefit Expense, Maximum [Dollars]

Portfolio Rebalancing

$ 0

Portfolio Rebalancing

Allows you to automatically take partial withdrawals from the Contract

Optional Benefit Expense, Footnotes [Text Block]

● Withdrawals can occur monthly, quarterly, semi-annually, or annually.

● Withdrawals will reduce Contract Value and may reduce benefits. The reduction to a benefit may be more than the amount withdrawn, and could terminate a benefit.

● Withdrawals may be subject to taxes and potential tax penalties.

● Only available prior to the Annuity Date.

● We may discontinue, modify, or suspend this service at any time.

Each Purchase Payment is subject to this charge over a 7-year period. This charge is assessed on a quarterly basis. The quarterly charge equals the annual charge divided by four. This charge will not change even if withdrawals are taken from the Contract. See CHARGES, FEES AND ADJUSTMENTS – Premium Based Charge.

Optional Benefit Expense, Footnotes [Text Block]

Each Purchase Payment is subject to this charge over a 7-year period. This charge is assessed on a quarterly basis. The quarterly charge equals the annual charge divided by four. This charge will not change even if withdrawals are taken from the Contract. See CHARGES, FEES AND ADJUSTMENTS – Premium Based Charge.

This benefit provides a death benefit equal to the greater of the death benefit amount under the Contract or the death benefit amount under this option, adjusted for withdrawals. Provides for step-ups to increase the death benefit amount under this benefit.

Optional Benefit Expense (of Benefit Base), Maximum [Percent]

● Available only at contract purchase.

● Owner and Annuitant must be 75 or younger on the contract date.

● Certain ownership changes may reduce benefits.

● Step-ups stop on the contract anniversary prior to the oldest owner or annuitant reaching age 81.

● Withdrawals will reduce the benefit and the reduction made may be greater than the actual amount withdrawn.

● This benefit and benefit charges terminate upon annuitization or when the Contract Value is reduced to zero.

● May not voluntarily terminate the rider.

0.20%

Optional Benefit Expense (of Benefit Base), Maximum [Percent]

Stepped-Up Death Benefit (For Contracts issued in California)

0.20%

Item 3. Key Information [Line Items]

Stepped-Up Death Benefit (For Contracts issued in California)

Risk [Text Block]

Is this a Short-Term

No. This Contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash.

Principal Risks of Investing inInvestment?

Withdrawal charges may apply for the first 7 years following your last purchase payment and will reduce the Contract Value if you withdraw money during that time.

The benefits of tax deferral, long-term income, and living benefits are generally more beneficial to investors with a long-term investment horizon.

the Contract

Charges, Fees and Adjustments - Withdrawal Charge

Item 3. Key Information [Line Items]

Item 5. Principal Risks [Line Items]

Market Risk

You can lose money by investing in this Contract, including loss of principal. The Contract is not a deposit or obligation of, or guaranteed or endorsed by any bank. It is not federally insured by the Federal Deposit Insurance Corporation (FDIC), the Federal Reserve Board, or any other government agency.

Item 3. Key Information [Line Items]

Contract Benefits Risk

If you choose an optional living benefit rider, you must follow the investment allocation requirements for the rider during the entire time that you own the rider. Owning an optional living benefit rider may limit the Investment Options available to you and failure to follow the investment allocation requirements may result in a failure to receive the benefits under the rider. The allowable Investment Options seek to minimize risk, may reduce investment returns, and may reduce the likelihood that we will be required to make payments under the optional benefit Riders.

Item 5. Principal Risks [Line Items]

Item 5. Principal Risks [Line Items]

Contract Changes Risk

You should consider the Contract’s investment and income benefits, as well as its costs. Your investment is subject to the risk of poor investment performance and can vary depending on the performance of the Investment Options you have chosen. Each Investment Option will have its own unique risks. The value of each Investment Option will fluctuate with the value of the investments it holds, and returns are not guaranteed. You can lose money by investing in the Contract, including loss of principal. You bear the risk of any Investment Options you choose. You should read each Fund prospectus carefully before investing. You can obtain a Fund prospectus by contacting your financial professional or by visiting https://pacificlife.onlineprospectus.net/pacificlife/products/. No assurance can be given that a Fund will achieve its investment objectives.

Tax Consequences

Non-Qualified and Qualified Contracts are available. You buy a Qualified Contract under a qualified retirement or pension plan, or some form of an individual retirement annuity or account (IRA). It is important to know that IRAs and qualified plans are already tax-deferred which means the tax deferral feature of a variable annuity does not provide a benefit in addition to that already offered by an IRA or qualified plan. An annuity contract should only be used to fund an IRA or qualified plan to benefit from the annuity’s features other than tax deferral. Withdrawals taken from a variable annuity prior to age 59½ may be subject to a tax penalty of 10% of the taxable portion, although there are exceptions to the tax penalty that may apply.

Please be aware that the sale or liquidation of any stock, bond, IRA, certificate of deposit, mutual fund, annuity or other asset to fund the purchase of this Contract may have tax consequences, early withdrawal penalties or other costs or penalties as a result of the sale or liquidation. You may want to consult independent legal or financial advice before selling or liquidating any assets prior to the purchase of this Contract.