Transaction Expenses [Table Text Block]

Transaction Expenses


Maximum Withdrawal Charge	None

Annual Contract Expenses [Table Text Block]

Annual Contract Expenses


Base Contract Expenses (as a percentage of average daily Variable Account Value or Contract Value)^1,2		0.30%
Optional Benefit Expenses
Guaranteed Minimum Withdrawal Benefit Maximum Charges (as a percentage of the Protected Payment Base)
Future Income Generator (Single)³		2.50%
Future Income Generator (Joint)³		2.75%
Enhanced Income Select 2 (Single)³		2.50%
Enhanced Income Select 2 (Joint)³		2.75%
Core Protect Plus (Single)		2.50%
Core Protect Plus (Joint)		2.75%
Enhanced Income Select (Single)		2.25%
Enhanced Income Select (Joint)		2.75%
CoreIncome Advantage 4 Select (Single)		1.00%
CoreIncome Advantage 4 Select (Joint)		1.50%
CoreIncome Advantage Select (Single)		2.00%
CoreIncome Advantage Select (Joint)		2.50%
Income Access Select		2.75%
Guaranteed Minimum Accumulation Benefit Maximum Charges (as a percentage of the Guaranteed Protection Amount)
Guaranteed Protection Advantage 3 Select		2.25%
Guaranteed Minimum Accumulation Benefit Maximum Charges (as a percentage of the Charge Base)
Protected Investment Benefit (5 Year Option)		2.50%
Protected Investment Benefit (10 Year Option)		2.50%
Guaranteed Minimum Accumulation Benefit Maximum Charges (as a percentage of the Protected Base)
Investment Guard (5-Year Option)		3.50%
Investment Guard (7-Year Option)		3.50%
Investment Guard (10-Year Option)		3.50%
Death Benefit Maximum Charge (as a percentage of average daily Variable Account Value)
Stepped-Up Death Benefit		0.20%
Loan Expenses
Loan Interest Rate (net)⁴		2.00%

¹ If your Contract was issued before December 1, 2016, your Administrative Fee annual rate is 0.25%.

²This percentage includes the Mortality and Expense Risk Charge and the Administrative Fee. The Mortality and Expense Risk Charge and the Administrative Fee will stop at the Annuity Date if you select fixed annuity payments. See the Mortality and Expense Risk Charge and Administrative Fee sections for more information.

³The current charge for new elections for these riders is disclosed in a Rate Sheet Prospectus Supplement.

⁴As 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

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.


Minimum		Maximum
0.28%		2.54%

Portfolio Company Expenses Maximum [Percent]

2.54%

^[8]

Surrender Example [Table Text Block]

● If you surrender or annuitize your Contract at the end of the applicable time period, or do not surrender your Contract:


1 Year	3 Years	5 Years	10 Years
$9,419	$28,409	$47,542	$95,516

Surrender Expense, 3 Years, Maximum [Dollars]

28,409

Surrender Expense, 10 Years, Maximum [Dollars]

$ 95,516

Annuitized Expense, 1 Year, Maximum [Dollars]

$ 9,419

Annuitized Expense, 5 Years, Maximum [Dollars]

47,542

No Surrender Example [Table Text Block]

● If you surrender or annuitize your Contract at the end of the applicable time period, or do not surrender your Contract:


1 Year	3 Years	5 Years	10 Years
$9,419	$28,409	$47,542	$95,516

No Surrender Expense, 3 Years, Maximum [Dollars]

28,409

No Surrender Expense, 10 Years, Maximum [Dollars]

$ 95,516

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. 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. Certain Investment Options may use futures and options to reduce the portfolios’ equity exposure during periods when market indicators suggest high market volatility. This strategy is designed to reduce the risk of market losses from investing in equity securities. However, this strategy may result in periods of underperformance, including periods when specified benchmark indexes are appreciating but market volatility is high. As a result, your Contract Value may increase less than it would have without these defensive actions. You bear the risk of any Investment Option 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 PacificLife.com/Prospectuses. No assurance can be given that a Fund will achieve its investment objectives. The risk could also have a significant negative impact on certain benefits and guarantees under the Contract. 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 is not suitable as short-term savings vehicle. This Contract may not be the right one for you if you need to withdraw money for short-term needs, because tax penalties for early withdrawal may apply. 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 Generation Single and Joint, Enhanced Income Select 2 Single and Joint, Enhanced Income Select Single and Joint, CoreIncome Advantage 4 Select Single and Joint) or 65 (Core Protect Plus Single and Joint, CoreIncome Advantage Select 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

We reserve the right to remove or substitute Investment Options, stop accepting additional purchase payments, and impose investment restrictions or limitations on transfers. Certain optional benefits limit or restrict the Investment Options that you may select under the Contract. We may change these restrictions in the future. We may discontinue or modify certain services at any time. We may stop offering an optional benefit at any time for new sales.

Contract Benefits Risk

Certain benefits under the Contract may limit the Investment Options that are available to you and failure to follow these restrictions may result in a failure to receive the benefits under your Contract. If you choose an optional living benefit rider, you must follow any investment allocation requirements for the rider during the entire time you own the rider. The allowable Investment Options may seek to minimize market risk, may reduce investment returns, and may reduce the likelihood that we will be required to make payments under the benefit. Withdrawals may reduce the value of a benefit by an amount greater than the value withdrawn, which could significantly reduce the value or even terminate the benefit.

The Contract offers dollar cost averaging, which neither assures a profit nor protects against a loss. Because systematic investing programs like dollar cost averaging involves continuous investing regardless of fluctuating price levels, you should carefully consider your tolerance to continue investing through periods of fluctuating prices. Also, you may miss out on potential growth if the market increases suddenly since systematic investing is spread out over time. The Contract also offers portfolio rebalancing services which allow you to automatically rebalance your values among Variable Investment Options based on percentages that you specify on a specific time frame (i.e. quarterly). Rebalancing may result in transferring out of a high performing Investment Option thereby reducing your potential for future growth. Similarly, rebalancing may result in transferring into an underperforming Investment Option.

We currently do not offer any asset allocation programs or models. We reserve the right to add an asset allocation model or program as an additional optional Investment Option in the future and add, remove or change allowable Investment Options at any time. Asset allocation, in general, is an investment strategy intended to optimize the selection of investment options for a given level of risk tolerance, in order to attempt to maximize returns and limit the effect of market volatility over the long term. There is no guarantee that an asset allocation model or program will not lose money or experience volatility. A model may fail to perform as intended, or may perform worse than any single Investment Option, asset class or different combination of Investment Options. In addition, the model is subject to all the risks associated with its underlying Investment Options.

Insurance Company Risks

Investment in the Contract is subject to the risks related to us, and any obligations , 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.

Advisory Fees

Authorized advisory fees to pay for advisory services from your financial professional are withdrawn from your Contract Value. Such withdrawals will reduce the death benefit under the Contract, may impact the benefits offered by an optional rider, and may be subject to federal and state income taxes and a 10% federal tax penalty.

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 you to transfer between Variable Investment Options in a series of regular transfers.	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. ● We may discontinue, modify, or suspend this service at any time.
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 (including withdrawals to pay advisory fees) will reduce the death benefit amount and adjust the total amount The reduction may be greater than the 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.

Advisory Fee Withdrawals

Allows you to pay third-party advisory fees from Contract Value in the form of withdrawals from the Contract.

No Charge

● Advisory fees are in addition to Contract fees and charges.

● 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.

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

● Before taking advisory fee withdrawals, discuss with your financial professional the impact to your Contract and its benefits.


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	● 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 withdrawal before age 59 ½ or withdrawal amounts that are greater than what is allowed on an annual basis after age 59 ½ may reduce the benefit by more than the amount withdrawn and may terminate the rider. ● Any unused allowable annual withdrawal amount cannot be carried over to later years.


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

			● May not voluntarily terminate the rider. ● We reserve the right to reject and restrict additional Purchase Payments. ● 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 withdrawal or 10 Contract Anniversaries. ● 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 reduce the benefit by more than the amount withdrawn and may terminate the rider. ● Any unused allowable annual withdrawal amount cannot be carried over to later years. ● May not voluntarily terminate the rider. ● We reserve the right to reject and restrict additional Purchase Payments. ● Benefit and benefit charges terminate upon annuitization.
Enhanced Income Select 2 (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


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

			be added to the protected amount stops on the earlier of the first withdrawal or 10 Contract Anniversaries. ● Any unused allowable annual withdrawal amount may be carried over only to the next year. ● Taking a withdrawal before age 59½ or withdrawal amounts that are greater than what is allowed on an annual basis after age 59 ½ may reduce the benefit by more than the amount withdrawn and may terminate the rider. ● May not voluntarily terminate the rider. ● We reserve the right to reject and restrict additional Purchase Payments. ● Benefit and benefit charges terminate upon annuitization.
Enhanced Income Select 2 (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 withdrawal or 10 Contract Anniversaries. ● Any unused allowable annual withdrawal amount may only be carried over to the next year. ● 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 reduce the benefit by more than the amount withdrawn and may terminate the rider. ● May not voluntarily terminate the rider. ● We reserve the right to reject and restrict additional Purchase Payments. ● Benefit and benefit charges


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

			terminate upon annuitization.
Core Protect Plus (Single)	This benefit focuses on providing guaranteed lifetime periodic withdrawals, regardless of market performance.	2.50% (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 which limit the number of allowable Investment Options. ● Automatic resets are available starting after the first withdrawal or 5 Contract anniversaries measured from the rider effective date whichever is earlier. ● Any additional amount added to the protected amount may be added for 5 Contract anniversaries measured from the rider effective date. If a withdrawal occurs during this period the additional amount will stop and cannot be restarted by a reset. ● Lifetime withdrawals are available starting at age 65 for the Designated Life. ● Taking a withdrawal before age 65 or withdrawal amounts that are great than what is allowed on an annual basis after age 65 may reduce the benefit by more than the amount withdrawn may terminate the rider. ● Any unused allowable annual withdrawal amount cannot be carried over to later years. ● May not voluntarily terminate the rider. ● We reserve the right to reject and restrict additional Purchase Payments. ● Benefit and benefit charges terminate upon annuitization.
Core Protect Plus (Joint)	This benefit focuses on providing guaranteed lifetime periodic withdrawals, regardless of market performance.	2.75% (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 which limit the number of allowable Investment Options. ● Automatic resets are available starting after the first withdrawal or 5 Contract anniversaries measured from the rider effective date whichever is earlier. ● Any additional amount added to the protected amount may be added for 5 Contract anniversaries measured from the rider effective date. If a


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

			withdrawal occurs during this period the additional amount will stop and cannot be restarted by a reset. ● Lifetime withdrawals are available starting at age 65 for the Designated Life or the youngest of the Designated Lives. ● Taking a withdrawal before age 65 or withdrawal amounts that are greater than what is allowed on an annual basis after age 65 may reduce the benefit by more than the amount withdrawn and may terminate the rider. ● Any unused allowable annual withdrawal amount cannot be carried over to later years. ● May not voluntarily terminate the rider. ● We reserve the right to reject and restrict additional Purchase Payments. ● Benefit and benefit charges terminate upon annuitization.


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

Enhanced Income 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. Once the Contract Value is zero, provides a guaranteed lifetime income amount.	2.25% (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 which limit the number of allowable Investment Options. ● Lifetime withdrawals are available when the Designated Life is age 59½. ● Once the Contract Value is zero, a guaranteed lifetime income percentage applies which is less than the withdrawal percentage allowed when the Contract Value was greater than zero. ● Taking a withdrawal before age 59½ or withdrawal amounts that are greater than what is allowed on an annual basis after age 59½ may reduce the benefit by more than the amount withdrawn and may terminate the rider. ● Any unused allowable annual withdrawal amount cannot be carried over to later years. ● May not voluntarily terminate the rider. ● We reserve the right to reject and restrict additional Purchase Payments. ● Benefit and benefit charges terminate upon annuitization.
Enhanced Income 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 the amount that can be withdrawn in the future. Once the Contract Value is zero, provides a guaranteed lifetime income amount.	2.75% (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 which limit the number of allowable Investment Options. ● Lifetime withdrawals are available when the youngest Designated Life is age 59½. ● Once the Contract Value is zero, a guaranteed lifetime income percentage applies which is less than the withdrawal percentage allowed when the Contract Value was greater than zero. ● Taking a withdrawal before age 59½ or withdrawal amounts that are greater than what is allowed on an annual basis after age 59½ may reduce the benefit by more than the


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

			amount withdrawn and may terminate the rider. ● Any unused allowable annual withdrawal amount cannot be carried over to later years. ● May not voluntarily terminate the rider. ● We reserve the right to reject and restrict additional Purchase Payments. ● 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)	● Available at Contract purchase or on any Contract Anniversary, subject to availability. ● The Owner/Annuitant must be the Designated Life and be 85 or younger at purchase (for Non-Natural Owners, the youngest must be the Designated Life). ● 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 65 for the Designated Life. ● Taking a withdrawal before age 65 or withdrawal amounts that are greater than what is allowed on an annual basis after age 65 may reduce the benefit by more than the amount withdrawn and may terminate the rider. ● Any unused allowable annual withdrawal amount cannot be carried over to later years. ● May not voluntarily terminate the rider. ● We reserve the right to reject and restrict additional Purchase Payments. ● 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 the amount that can be withdrawn in the future.	2.50% (as a percentage of Protected Payment Base)	● Available at Contract purchase or on any Contract Anniversary, subject to availability. ● Owners/Annuitants must be the Designated Lives, and both Designated Lives must be 85 or younger at purchase. ● You may only have one guaranteed minimum withdrawal benefit in


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

			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 65. ● Taking a withdrawal before the youngest Designated Life is age 65 or a withdrawal amounts that are greater than what is allowed on an annual basis after age 65 may reduce the benefit by more than the amount withdrawn and may terminate the rider. ● May not voluntarily terminate the rider. ● We reserve the right to reject and restrict additional Purchase Payments. ● Benefit and benefit charges terminate upon annuitization.
CoreIncome Advantage 4 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.	1.00% (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 which limit the number of allowable Investment Options. ● Lifetime withdrawals are available when the Designated Life is age 59½. ● Taking a withdrawal before age 59½ or withdrawal amounts that are greater than what is allowed on an annual basis after age 59½ may reduce the benefit by more than the amount withdrawn and may terminate the rider. ● Any unused allowable annual withdrawal amount cannot be carried over to later years. ● May not voluntarily terminate the rider. ● We reserve the right to reject and restrict additional Purchase Payments. ● Benefit and benefit charges terminate upon annuitization.
CoreIncome Advantage 4 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	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 which limit the number


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.		of allowable Investment Options. ● Lifetime withdrawals are available when the youngest Designated Life is age 59½. ● Taking a withdrawal before age 59½ or withdrawal amounts that are greater than what is allowed on an annual basis after age 59½ may reduce the benefit by more than the amount withdrawn and may terminate the rider. ● Any unused allowable annual withdrawal amount cannot be carried over to later years. ● May not voluntarily terminate the rider. ● We reserve the right to reject and restrict additional Purchase Payments. ● Benefit and benefit charges terminate upon annuitization.
Income Access Select	This benefit focuses on providing withdrawals benefits, regardless of market performance, until a protected amount is zero. Provides for automatic resets which may increase the amount that can be withdrawn in the future.	2.75% (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. ● Does not provide lifetime withdrawal benefits. ● Must follow investment allocation requirements which limit the number of allowable Investment Options. ● Withdrawal amounts that are greater than what is allowed on an annual basis may reduce the benefit by more than the amount withdrawn and may terminate the rider. ● Any unused allowable annual withdrawal amount cannot be carried over to later years. ● May not voluntarily terminate the rider. ● We reserve the right to reject and restrict additional Purchase Payments. ● Benefit and Benefit charges terminate upon annuitization.
Investment Guard (5-Year Option) – 10% Buffer	This benefit may add an additional amount to the Contract Value if the Contract Value is less than the Protected Base at the end of a 5-year term.	3.50% (as a percentage of the Protected Base)	● Available only at Contract purchase and renewable at the end of the term, subject to availability. ● Must follow investment allocation requirements which limit the number of allowable Investment Options. ● Must be age 85 or younger, and at least 5 years from Annuity Date, to purchase or renew.


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

			● Any additional Purchase Payments made after the first year of a Term will increase the Contract Value and may reduce or eliminate the benefit provided by this Rider. ● Given the limitations on crediting of subsequent purchase payments for rider purposes and investment allocation restrictions, the likelihood that an additional amount will be added to the Contract Value may be minimal. ● Withdrawals (including RMD withdrawals and withdrawals to pay advisory fees) made during the Term will lower the Protected Base, potentially by more than the amount withdrawn. ● Additional amount is only paid if the Contract Value is less than the Protected Base at the end of the Term. ● May not voluntarily terminate the rider. ● We reserve the right to reject and restrict additional Purchase Payments. ● Benefit and benefit charges terminate upon annuitization.
Investment Guard (7-Year Option) – 10% Buffer and 15% Buffer	This benefit may add an additional amount to the Contract Value if the Contract Value is less than the Protected Base at the end of a 7-year term.	3.50% (as a percentage of the Protected Base)	● Available only at Contract purchase and renewable at the end of the term, subject to availability. ● Must follow investment allocation requirements which limit the number of allowable Investment Options. ● May choose only on Buffer Percentage and cannot change during the Term of the rider. ● Must be age 85 years or younger, and at least 7 years from Annuity Date, to purchase or renew. ● Any additional Purchase Payments made after the first year of a Term will increase the Contract Value and may reduce or eliminate the benefit provided by this Rider. ● Given the limitations on crediting of subsequent purchase payments for rider purposes and investment allocation restrictions, the likelihood that an additional amount will be added to the Contract Value may be minimal. ● Withdrawals (including RMD withdrawals and withdrawals to pay advisory fees) made during the Term


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

			will lower the Protected Base, potentially by more than the amount withdrawn. ● Additional amount is only paid if the Contract Value is less than the Protected Base at the end of the Term. ● May not voluntarily terminate the rider. ● We reserve the right to reject and restrict additional Purchase Payments. ● Benefit and benefit charges terminate upon annuitization.
Investment Guard (10-Year Option) – 10% Buffer, 15% Buffer, and 20% Buffer	This benefit may add an additional amount to the Contract Value if the Contract Value is less than the Protected Base at the end of a 10-year term.	3.50% (as a percentage of the Protected Base)	● Available only at Contract purchase and renewable at the end of the term, subject to availability. ● Must follow investment allocation requirements which limit the number of allowable Investment Options. ● May choose only on Buffer Percentage and cannot change during the Term of the rider. ● Must be age 85 or younger, and at least 10 years from Annuity Date, to purchase or renew. ● Any additional Purchase Payments made after the first year of a Term will increase the Contract Value and may reduce or eliminate the benefit provided by this Rider. ● Given the limitations on crediting of subsequent purchase payments for rider purposes and investment allocation restrictions, the likelihood that an additional amount will be added to the Contract Value may be minimal. ● Withdrawals (including RMD withdrawals and withdrawals to pay advisory fees) made during the Term will lower the Protected Base, potentially by more than the amount withdawn. ● Additional amount is only paid if the Contract Value is less than the Protected Base at the end of the Term. ● May not voluntarily terminate the rider. ● We reserve the right to reject and restrict additional Purchase Payments. ● Benefit and benefit charges terminate upon annuitization.
Protected Investment Benefit	This benefit may add an additional	2.50% (as a	● No longer available for purchase.


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

(5 Year Option)	amount to the Contract Value if the Contract Value is less than the protected amount at the end of a 5-year term.	percentage of Charge Base)	● Renewal subject to availability. ● Must follow investment allocation requirements which limit the number of allowable Investment Options. ● Must be age 85 or younger, and at least 5 years from the Annuity Date, to renew. ● Amount protected is 90% of Purchase Payments made during the Contract’s first year, adjusted for withdrawals. ● Any additional Purchase Payments made after the first year of a Term will increase the Contract Value and may reduce or eliminate the benefit provided by this Rider. ● Given the limitations on crediting of subsequent purchase payments for rider purposes and investment allocation restrictions, the likelihood that an additional amount will be added to the Contract Value may be minimal. ● Withdrawal (including RMD withdrawals and withdrawals to pay advisory fees) made during the Term will lower the Protected Amount, potentially by more than the amount withdrawn. ● Additional amount is only paid if the Contract Value is less than the Protected Base at the end of the Term. ● May not voluntarily terminate the rider. ● We reserve the right to reject and restrict additional Purchase Payments. ● Benefit and benefit charges terminate upon annuitization.
Protected Investment Benefit (10 Year Option)	This benefit may add an additional amount to the Contract Value if the Contract Value is less than the protected amount at the end of a 10-year term.	2.50% (as a percentage of Charge Base)	● No longer available for purchase. ● Renewal subject to availability. ● Must follow investment allocation requirements which limit the number of allowable Investment Options. ● Must be age 85 or younger, and at least 10 years from Annuity Date, to renew. ● Amount protected is 105% of Purchase Payments made during the Contract’s first year, adjusted for withdrawals. ● Any additional Purchase Payments


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

			made after the first year of a Term will increase the Contract Value and may be reduce or eliminate the benefit provided by this Rider. ● Given the limitation on crediting of subsequent purchase payments for rider purposes and investment allocation restrictions, the likelihood that an additional amount will be added to the Contract Value may be minimal. ● Withdrawals (including RMD withdrawals and withdrawals to pay advisory fees) made during the Term will lower the Protected Amount, potentially by more than the amount withdrawn. ● Additional amount is only paid if the Contract Value is less than the Protected Base at the end of the Term. ● May not voluntarily terminate the rider. ● We reserve the right to reject and restrict additional Purchase Payments. ● Benefit and benefit charges terminate upon annuitization.
Guaranteed Protection Advantage 3 Select	This benefit may add an additional amount to the Contract Value if the Contract Value is less than the protected amount at the end of a 10-year term.	2.25% (as a percentage of Guaranteed Protection Amount)	● No longer available for purchase. ● Must follow investment allocation requirements which limit the number of allowable Investment Options. ● Any additional Purchase Payments made after the first year of a Term will increase the Contract Value and may reduce or eliminate the benefit provided by this Rider. ● Given the limitations on crediting of subsequent purchase payments for rider purposes and investment allocation restriction, the likelihood that an additional amount will be added to the Contract Value may be minimal. ● Withdrawals (including RMD withdrawals and withdrawals to pay advisory fees) made during the Term will lower the Guaranteed Protection Amount, potentially by more than the amount withdrawn. ● Additional amount is only added if the Contract Value is less than the Guaranteed Protection Amount at the end of the Term. ● We reserve the right to reject and restrict additional Purchase


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

			Payments. ● Benefit and benefit charges terminate upon annuitization.


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

Stepped-Up Death Benefit	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. ● 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 high total return (including income and capital gains) consistent with preservation of capital over the long term while seeking to manage volatility and provide downside protection.	American Funds IS Managed Risk Asset Allocation Fund Class P2; Capital Research and Management Company℠	0.90%	14.63%	5.30%	5.88%


Investment Objective	Fund; Advisor (Subadvisor)	Current Expenses	Average Annual Total Returns (as of 12/31/2024)
			1 Year	5 Year	10 Year
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%
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 to provide total return.	BlackRock 60/40 Target Allocation ETF V.I. Fund Class I; BlackRock Advisors, LLC	0.32%¹	11.64%	7.14%	6.74%
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%


Investment Objective	Fund; Advisor (Subadvisor)	Current Expenses	Average Annual Total Returns (as of 12/31/2024)
			1 Year	5 Year	10 Year
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.	First Trust Dorsey Wright Tactical Core Portfolio Class I; First Trust Advisors L.P.	1.30%¹	12.53%	5.61%	N/A
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 4; Franklin Advisers, Inc.	0.92%¹	8.89%	5.45%	5.25%
To maximize income while maintain prospects for capital appreciation.	Franklin Income VIP Fund Class 2; Franklin Advisers, Inc.	0.72%¹	7.20%	5.29%	5.27%
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%
Seeks capital appreciation.	Invesco Oppenheimer V.I. International Growth Fund Series II; Invesco Advisers, Inc.	1.25%¹	-1.81%	2.83%	4.15%
Total return with a low to moderate correlation to traditional financial market indices.	Invesco V.I. Balanced-Risk Allocation Fund Series II; Invesco Advisers, Inc.	1.06%¹	3.56%	2.51%	3.57%
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 capital appreciation.	Invesco V.I. Global Fund Series II; Invesco Advisers, Inc.	1.06%	15.78%	9.21%	9.58%


Investment Objective	Fund; Advisor (Subadvisor)	Current Expenses	Average Annual Total Returns (as of 12/31/2024)
			1 Year	5 Year	10 Year
Total return through growth of capital and current income.	Invesco V.I. Global Real Estate Fund Series II; Invesco Advisers, Inc.	1.27%	-2.11%	-2.64%	1.26%
Seeks, over a specified annual outcome period, to provide investors with returns that match those of the S&P 500 Index (the “Underlying Index”) up to an upside cap, while providing a buffer against the first 10% (prior to taking into account any fees and expenses of the fund) of Underlying Index losses.	Invesco^® V.I. S&P 500 Buffer Fund - December Series II; Invesco Advisers, Inc.	0.96%¹	13.73%	N/A	N/A
Seeks, over a specified annual outcome period, to provide investors with returns that match those of the S&P 500 Index (the “Underlying Index”) up to an upside cap, while providing a buffer against the first 10% (prior to taking into account any fees and expenses of the fund) of Underlying Index losses.	Invesco^® V.I. S&P 500 Buffer Fund - June Series II; Invesco Advisers, Inc.	0.96%¹	13.76%	N/A	N/A
Seeks, over a specified annual outcome period, to provide investors with returns that match those of the S&P 500 Index (the “Underlying Index”) up to an upside cap, while providing a buffer against the first 10% (prior to taking into account any fees and expenses of the fund) of Underlying Index losses.	Invesco^® V.I. S&P 500 Buffer Fund - March Series II; Invesco Advisers, Inc.	0.96%¹	13.06%	N/A	N/A


Investment Objective	Fund; Advisor (Subadvisor)	Current Expenses	Average Annual Total Returns (as of 12/31/2024)
			1 Year	5 Year	10 Year
Seeks, over a specified annual outcome period, to provide investors with returns that match those of the S&P 500 Index (the “Underlying Index”) up to an upside cap, while providing a buffer against the first 10% (prior to taking into account any fees and expenses of the fund) of Underlying Index losses.	Invesco^® V.I. S&P 500 Buffer Fund - September Series II; Invesco Advisers, Inc.	0.96%¹	10.02%	N/A	N/A
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%
Maximum total return, consistent with preservation of capital.	Janus Henderson Flexible Bond Portfolio Service Shares; Janus Henderson Investors US LLC	0.82%¹	1.63%	0.09%	1.35%
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 to provide total return.	Macquarie VIP Asset Strategy Series Service Class; Delaware Management Company	0.85%¹	12.44%	6.56%	5.27%
Seeks to provide capital growth and appreciation.	Macquarie VIP Energy Series Service Class; Delaware Management Company	1.11%¹	-5.60%	5.79%	-1.89%
Seeks total return.	MFS Utilities Series – Service Class; Massachusetts Financial Services Company	1.04%¹	11.34%	5.61%	6.02%


Investment Objective	Fund; Advisor (Subadvisor)	Current Expenses	Average Annual Total Returns (as of 12/31/2024)
			1 Year	5 Year	10 Year
Seeks total return.	MFS^® Total Return Series – Service Class; Massachusetts Financial Services Company	0.86%¹	7.46%	5.89%	6.20%
Seeks capital appreciation.	Pacific Select Fund Bond Plus Portfolio Class I; Pacific Life Fund Advisors, LLC	0.64%¹	N/A	N/A	N/A
Seeks a high level of current income; capital appreciation is of secondary importance.	Pacific Select Fund Core Income Portfolio Class I; Pacific Life Fund Advisors LLC (Aristotle Pacific Capital LLC)	0.76%	2.78%	1.19%	N/A
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


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 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%
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 long-term growth of capital.	Pacific Select Fund Health Sciences Portfolio Class I; Pacific Life Fund Advisors LLC (BlackRock Investment Management, LLC)	1.14%	4.04%	6.23%	8.90%
Seeks to provide capital appreciation.	Pacific Select Fund Hedged Equity Portfolio Class I; Pacific Life Fund Advisors LLC (JPMorgan Investment Management, Inc.)	0.85%	17.87%	N/A	N/A
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%


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.	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 capital appreciation.	Pacific Select Fund International Equity Plus Bond Alpha Portfolio Class I; Pacific Life Fund Advisors, LLC	0.66%¹	N/A	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%
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%


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; 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 capital appreciation.	Pacific Select Fund Large-Cap Plus Bond Alpha Portfolio Class I; Pacific Life Fund Advisors, LLC	0.64%¹	N/A	N/A	N/A
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%
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%


Investment Objective	Fund; Advisor (Subadvisor)	Current Expenses	Average Annual Total Returns (as of 12/31/2024)
			1 Year	5 Year	10 Year
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%
Seeks long-term growth of capital and low to moderate income.	Pacific Select Fund PSF Avantis Balanced Allocation Portfolio Class I (formerly called Class D); Pacific Life Fund Advisors LLC	0.65%	11.54%	6.36%	7.19%
Seeks capital appreciation.	Pacific Select Fund QQQ Plus Bond Alpha Portfolio Class I; Pacific Life Fund Advisors, LLC	0.60%¹	N/A	N/A	N/A


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 capital appreciation.	Pacific Select Fund Small-Cap Plus Bond Alpha Portfolio Class I; Pacific Life Fund Advisors, LLC	0.69%¹	N/A	N/A	N/A
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 long-term growth of capital.	Pacific Select Fund Technology Portfolio Class I; Pacific Life Fund Advisors LLC (FIAM LLC)	1.04%¹	37.45%	17.76%	14.72%


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 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%
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%
Seeks maximum real return, consistent with prudent investment management.	PIMCO CommodityRealReturn^® Strategy Portfolio – Advisor Class; Pacific Investment Management Company, LLC	2.38%¹	3.97%	6.98%	1.55%
Seeks to maximize current income. Long-term capital appreciation is a secondary objective.	PIMCO Income Portfolio – Advisor Class; Pacific Investment Management Company, LLC	1.16%	5.30%	2.61%	N/A
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.

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%

^[9]

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%

^[9]

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 high total return (including income and capital gains) consistent with preservation of capital over the long term while seeking to manage volatility and provide downside protection.

Capital Research and Management Company℠

14.63%

5.88%

American Funds IS New World Fund^® Class 4

1.07%

^[9]

4.29%

Provide as high a level of current income as is consistent with the preservation of capital.

Capital Research and Management Company℠

0.98%

1.42%

American Funds IS U.S. Government Securities Fund Class 4

0.75%

^[9]

(0.13%)

Produce income and to provide an opportunity for growth of principal consistent with sound common stock investing.

Capital Research and Management Company℠

18.85%

9.99%

BlackRock 60/40 Target Allocation ETF V.I. Fund Class I

0.32%

^[9]

7.14%

Seeks high total investment return.

BlackRock Advisors, LLC

8.93%

5.32%

Fidelity VIP Contrafund^® Portfolio Service Class 2

0.81%

16.74%

Seeks high total return.

Fidelity Management & Research Company LLC

9.45%

6.51%

Fidelity^® VIP Government Money Market Portfolio Service Class

0.35%

2.27%

Seeks a high level of current income. The fund may also seek capital appreciation.

Fidelity Management & Research Company LLC

5.78%

3.34%

First Trust Dorsey Wright Tactical Core Portfolio Class I

1.30%

^[9]

5.61%

First Trust/Dow Jones Dividend & Income Allocation Portfolio Class I

1.18%

4.48%

Seeks capital appreciation, with income as a secondary goal.

Franklin Advisers, Inc.

8.89%

5.25%

Franklin Income VIP Fund Class 2

0.72%

^[9]

5.29%

Seeks capital appreciation.

Franklin Mutual Advisers, LLC

4.66%

5.87%

Franklin Rising Dividends VIP Fund Class 2

0.88%

^[9]

10.30%

Seeks capital appreciation.

Invesco Advisers, Inc.

(1.81%)

4.15%

Invesco V.I. Balanced-Risk Allocation Fund Series II

1.06%

^[9]

2.51%

Both capital appreciation and current income.

Invesco Advisers, Inc.

11.91%

7.09%

Invesco V.I. Global Fund Series II

1.06%

9.21%

Total return through growth of capital and current income.

Invesco Advisers, Inc.

(2.11%)

1.26%

Invesco^® V.I. S&P 500 Buffer Fund - December Series II

0.96%

^[9]

Seeks, over a specified annual outcome period, to provide investors with returns that match those of the S&P 500 Index (the “Underlying Index”) up to an upside cap, while providing a buffer against the first 10% (prior to taking into account any fees and expenses of the fund) of Underlying Index losses.

Invesco Advisers, Inc.

13.76%

Invesco^® V.I. S&P 500 Buffer Fund - March Series II

0.96%

^[9]

Seeks, over a specified annual outcome period, to provide investors with returns that match those of the S&P 500 Index (the “Underlying Index”) up to an upside cap, while providing a buffer against the first 10% (prior to taking into account any fees and expenses of the fund) of Underlying Index losses.

Invesco Advisers, Inc.

10.02%

Janus Henderson Balanced Portfolio Service Shares

0.87%

8.06%

Maximum total return, consistent with preservation of capital.

Janus Henderson Investors US LLC

1.63%

1.35%

LVIP American Century Mid Cap Value Service Class

1.01%

7.13%

Seeks high current income and the opportunity for capital appreciation to produce a high total return.

Lord Abbett & Co. LLC

6.72%

3.73%

Lord Abbett Total Return Portfolio Class VC

0.71%

0.11%

Seeks total return.

Massachusetts Financial Services Company

7.46%

6.20%

MFS Utilities Series – Service Class

1.04%

^[9]

5.61%

Seeks to provide total return.

Delaware Management Company

12.44%

5.27%

Macquarie VIP Energy Series Service Class

1.11%

^[9]

5.79%

Seeks maximum real return, consistent with prudent investment management.

Pacific Investment Management Company, LLC

3.97%

1.55%

PIMCO Income Portfolio – Advisor Class

1.16%

2.61%

Pacific Select Fund Bond Plus Portfolio Class I

0.64%

^[9]

Pacific Select Fund Core Income Portfolio Class I

Aristotle Pacific Capital LLC

2.78%

Seeks to maximize total return consistent with prudent investment management.

Pacific Life Fund Advisors LLC

0.64%

(1.50%)

Seeks dividend income and long-term capital appreciation.

Pacific Life Fund Advisors LLC

0.87%

^[9]

10.39%

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

13.88%

Pacific Select Fund ESG Diversified Portfolio Class I

0.79%

^[9]

Seeks to maximize total return consistent with prudent investment management.

Pacific Life Fund Advisors LLC

1.04%

^[9]

0.80%

Seeks long-term growth of capital.

Pacific Life Fund Advisors LLC

1.04%

^[9]

(2.91%)

Seeks investment results that correspond to the total return of common stocks that are publicly traded in the U.S.

Pacific Life Fund Advisors LLC

0.28%

14.22%

Seeks a high level of current income.

Pacific Life Fund Advisors LLC

0.92%

5.78%

Seeks long-term growth of capital.

Pacific Life Fund Advisors LLC

0.95%

14.12%

Seeks long-term growth of capital.

Pacific Life Fund Advisors LLC

0.78%

14.82%

Seeks long-term growth of capital.

Pacific Life Fund Advisors LLC

1.14%

6.23%

Seeks to provide capital appreciation.

Pacific Life Fund Advisors LLC

0.85%

Seeks a high level of current income.

Pacific Life Fund Advisors LLC

0.63%

3.74%

Seeks to maximize total return consistent with prudent investment management.

Pacific Life Fund Advisors LLC

1.32%

1.95%

Seeks to maximize total return.

Pacific Life Fund Advisors LLC

0.64%

Seeks capital appreciation.

Pacific Life Fund Advisors, LLC

Seeks long-term growth of capital.

Pacific Life Fund Advisors LLC

0.95%

Seeks long-term growth of capital.

Pacific Life Fund Advisors LLC

1.00%

^[9]

5.81%

Seeks long-term growth of capital.

Pacific Life Fund Advisors LLC

1.15%

^[9]

3.51%

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 Life Fund Advisors LLC

0.91%

6.62%

Seeks long-term growth of capital.

Pacific Life Fund Advisors LLC

0.68%

12.72%

Seeks long-term growth of capital; current income is of secondary importance.

Pacific Life Fund Advisors LLC

0.86%

^[9]

14.28%

Seeks capital appreciation.

Pacific Life Fund Advisors, LLC

Seeks long-term growth of capital; current income is of secondary importance.

Pacific Life Fund Advisors LLC

0.84%

9.11%

Seeks long-term growth of capital.

Pacific Life Fund Advisors LLC

0.88%

^[9]

8.27%

Seeks capital appreciation.

Pacific Life Fund Advisors LLC

0.65%

^[9]

10.24%

Seeks long-term growth of capital.

Pacific Life Fund Advisors LLC

0.93%

9.80%

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

Pacific Life Fund Advisors LLC

11.54%

7.19%

Pacific Select Fund Pacific Dynamix – Aggressive Growth Portfolio Class I

0.59%

^[9]

Pacific Select Fund Pacific Dynamix – Conservative Growth Portfolio Class I

0.59%

^[9]

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%

^[9]

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 QQQ Plus Bond Alpha Portfolio Class I

0.60%

^[9]

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 Plus Bond Alpha Portfolio Class I

0.69%

^[9]

Pacific Select Fund Small-Cap Value Portfolio Class I

Avantis Investors by American Century

6.18%

6.30%

Pacific Select Fund Technology Portfolio Class I

FIAM LLC

37.45%

14.72%

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%

Templeton Global Bond VIP Fund Class 2

0.75%

^[9]

(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%

Allows you to pay third-party advisory fees from Contract Value in the form of withdrawals from the Contract.

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

● Advisory fees are in addition to Contract fees and charges.

● 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.

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

● Before taking advisory fee withdrawals, discuss with your financial professional the impact to your Contract and its benefits.

1.50%

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

CoreIncome Advantage 4 Select (Joint)

1.50%

CoreIncome Advantage 4 Select (Joint)

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.

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

● 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 which limit the number of allowable Investment Options.

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

● Taking a withdrawal before age 59½ or withdrawal amounts that are greater than what is allowed on an annual basis after age 59½ may reduce the benefit by more than the amount withdrawn and may terminate the rider.

● Any unused allowable annual withdrawal amount cannot be carried over to later years.

● May not voluntarily terminate the rider.

● We reserve the right to reject and restrict additional Purchase Payments.

● Benefit and benefit charges terminate upon annuitization.

2.50%

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

CoreIncome Advantage Select (Joint)

2.50%

CoreIncome Advantage Select (Joint)

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.

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

● Available at Contract purchase or on any Contract Anniversary, subject to availability.

● The Owner/Annuitant must be the Designated Life and be 85 or younger at purchase (for Non-Natural Owners, the youngest must be the Designated Life).

● 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 65 for the Designated Life.

● Taking a withdrawal before age 65 or withdrawal amounts that are greater than what is allowed on an annual basis after age 65 may reduce the benefit by more than the amount withdrawn and may terminate the rider.

● Any unused allowable annual withdrawal amount cannot be carried over to later years.

● May not voluntarily terminate the rider.

● We reserve the right to reject and restrict additional Purchase Payments.

● Benefit and benefit charges terminate upon annuitization.

2.75%

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

Core Protect Plus (Joint)

2.75%

Core Protect Plus (Joint)

This benefit focuses on providing guaranteed lifetime periodic withdrawals, regardless of market performance.

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

● 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 which limit the number of allowable Investment Options.

● Automatic resets are available starting after the first withdrawal or 5 Contract anniversaries measured from the rider effective date whichever is earlier.

● Any additional amount added to the protected amount may be added for 5 Contract anniversaries measured from the rider effective date. If a withdrawal occurs during this period the additional amount will stop and cannot be restarted by a reset.

● Lifetime withdrawals are available starting at age 65 for the Designated Life.

● Taking a withdrawal before age 65 or withdrawal amounts that are great than what is allowed on an annual basis after age 65 may reduce the benefit by more than the amount withdrawn may terminate the rider.

● Any unused allowable annual withdrawal amount cannot be carried over to later years.

● May not voluntarily terminate the rider.

● We reserve the right to reject and restrict additional Purchase Payments.

● Benefit and benefit charges terminate upon annuitization.

0.00%

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

Death Benefit Amount

0.00%

Death Benefit Amount

Allows you to transfer between Variable Investment Options in a series of regular transfers.

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

● 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.

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

0.00%

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

Earnings Sweep

0.00%

Earnings Sweep

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

1.55%

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

Enhanced Income Select 2 (Joint)

2.75%

^[10]

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.

● Any unused allowable annual withdrawal amount may only be carried over to the next year.

● 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 reduce the benefit by more than the amount withdrawn and may terminate the rider.

● May not voluntarily terminate the rider.

● We reserve the right to reject and restrict additional Purchase Payments.

● Benefit and benefit chargesterminate upon annuitization.

2.50%

^[10]

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

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.

1.45%

Enhanced Income Select 2 (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 increase the amount that can be withdrawn in the future. Once the Contract Value is zero, provides a guaranteed lifetime income amount.

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

● 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 which limit the number of allowable Investment Options.

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

● Once the Contract Value is zero, a guaranteed lifetime income percentage applies which is less than the withdrawal percentage allowed when the Contract Value was greater than zero.

● Taking a withdrawal before age 59½ or withdrawal amounts that are greater than what is allowed on an annual basis after age 59½ may reduce the benefit by more than the

amount withdrawn and may terminate the rider.

● Any unused allowable annual withdrawal amount cannot be carried over to later years.

● May not voluntarily terminate the rider.

● We reserve the right to reject and restrict additional Purchase Payments.

● Benefit and benefit charges terminate upon annuitization.

2.25%

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

Enhanced Income Select (Single)

2.25%

Enhanced Income Select (Single)

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

1.55%

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

Future Income Generator (Joint)

2.75%

^[10]

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 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 reduce the benefit by more than the amount withdrawn and may terminate the rider.

● Any unused allowable annual withdrawal amount cannot be carried over to later years.

● May not voluntarily terminate the rider.

● We reserve the right to reject and restrict additional Purchase Payments.

● Benefit and benefit charges terminate upon annuitization.

2.50%

^[10]

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

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.

1.45%

Future Income Generator (Single)

This benefit may add an additional amount to the Contract Value if the Contract Value is less than the protected amount at the end of a 10-year term.

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

● No longer available for purchase.

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

● Any additional Purchase Payments made after the first year of a Term will increase the Contract Value and may reduce or eliminate the benefit provided by this Rider.

● Given the limitations on crediting of subsequent purchase payments for rider purposes and investment allocation restriction, the likelihood that an additional amount will be added to the Contract Value may be minimal.

● Withdrawals (including RMD withdrawals and withdrawals to pay advisory fees) made during the Term will lower the Guaranteed Protection Amount, potentially by more than the amount withdrawn.

● Additional amount is only added if the Contract Value is less than the Guaranteed Protection Amount at the end of the Term.

● We reserve the right to reject and restrict additional Purchase

Payments.

● Benefit and benefit charges terminate upon annuitization.

2.75%

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

Income Access Select

2.75%

Income Access Select

This benefit may add an additional amount to the Contract Value if the Contract Value is less than the Protected Base at the end of a 10-year term.

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

● Available only at Contract purchase and renewable at the end of the term, subject to availability.

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

● May choose only on Buffer Percentage and cannot change during the Term of the rider.

● Must be age 85 or younger, and at least 10 years from Annuity Date, to purchase or renew.

● Any additional Purchase Payments made after the first year of a Term will increase the Contract Value and may reduce or eliminate the benefit provided by this Rider.

● Given the limitations on crediting of subsequent purchase payments for rider purposes and investment allocation restrictions, the likelihood that an additional amount will be added to the Contract Value may be minimal.

● Withdrawals (including RMD withdrawals and withdrawals to pay advisory fees) made during the Term will lower the Protected Base, potentially by more than the amount withdawn.

● Additional amount is only paid if the Contract Value is less than the Protected Base at the end of the Term.

● May not voluntarily terminate the rider.

● We reserve the right to reject and restrict additional Purchase Payments.

● Benefit and benefit charges terminate upon annuitization.

3.50%

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

3.50%

This benefit may add an additional amount to the Contract Value if the Contract Value is less than the Protected Base at the end of a 5-year term.

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

● Available only at Contract purchase and renewable at the end of the term, subject to availability.

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

● Must be age 85 or younger, and at least 5 years from Annuity Date, to purchase or renew.

● Any additional Purchase Payments made after the first year of a Term will increase the Contract Value and may reduce or eliminate the benefit provided by this Rider.

● Given the limitations on crediting of subsequent purchase payments for rider purposes and investment allocation restrictions, the likelihood that an additional amount will be added to the Contract Value may be minimal.

● Withdrawals (including RMD withdrawals and withdrawals to pay advisory fees) made during the Term will lower the Protected Base, potentially by more than the amount withdrawn.

● Additional amount is only paid if the Contract Value is less than the Protected Base at the end of the Term.

● May not voluntarily terminate the rider.

● We reserve the right to reject and restrict additional Purchase Payments.

● Benefit and benefit charges terminate upon annuitization.

3.50%

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

3.50%

This benefit may add an additional amount to the Contract Value if the Contract Value is less than the Protected Base at the end of a 7-year term.

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

● Available only at Contract purchase and renewable at the end of the term, subject to availability.

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

● May choose only on Buffer Percentage and cannot change during the Term of the rider.

● Must be age 85 years or younger, and at least 7 years from Annuity Date, to purchase or renew.

● Any additional Purchase Payments made after the first year of a Term will increase the Contract Value and may reduce or eliminate the benefit provided by this Rider.

● Given the limitations on crediting of subsequent purchase payments for rider purposes and investment allocation restrictions, the likelihood that an additional amount will be added to the Contract Value may be minimal.

● Withdrawals (including RMD withdrawals and withdrawals to pay advisory fees) made during the Term

will lower the Protected Base, potentially by more than the amount withdrawn.

● Additional amount is only paid if the Contract Value is less than the Protected Base at the end of the Term.

● May not voluntarily terminate the rider.

● We reserve the right to reject and restrict additional Purchase Payments.

● Benefit and benefit charges terminate upon annuitization.

3.50%

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

3.50%

Loans

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

● 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.

0.00%

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

Portfolio Rebalancing

0.00%

Portfolio Rebalancing

Allows you to automatically take partial withdrawals from the Contract

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

● 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.

2.50%

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

Protected Investment Benefit (10 Year Option)

2.50%

Protected Investment Benefit (10 Year Option)

This benefit may add an additionalamount to the Contract Value if the Contract Value is less than the protected amount at the end of a 5-year term.

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

● No longer available for purchase.

● Renewal subject to availability.

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

● Must be age 85 or younger, and at least 5 years from the Annuity Date, to renew.

● Amount protected is 90% of Purchase Payments made during the Contract’s first year, adjusted for withdrawals.

● Any additional Purchase Payments made after the first year of a Term will increase the Contract Value and may reduce or eliminate the benefit provided by this Rider.

● Given the limitations on crediting of subsequent purchase payments for rider purposes and investment allocation restrictions, the likelihood that an additional amount will be added to the Contract Value may be minimal.

● Withdrawal (including RMD withdrawals and withdrawals to pay advisory fees) made during the Term will lower the Protected Amount, potentially by more than the amount withdrawn.

● Additional amount is only paid if the Contract Value is less than the Protected Base at the end of the Term.

● May not voluntarily terminate the rider.

● We reserve the right to reject and restrict additional Purchase Payments.

● Benefit and benefit charges terminate upon annuitization.

0.20%

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

Stepped-Up Death Benefit

0.20%

Item 3. Key Information [Line Items]

Stepped-Up Death Benefit

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.Amounts withdrawn from the Contract may result in

Principal Risks of Investing inInvestment?

taxes and tax penalties.

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

Item 3. Key Information [Line Items]

Market Risk

You can lose money by investing in this Contract, including loss of principal. 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. Certain Investment Options may use futures and options to reduce the portfolios’ equity exposure during periods when market indicators suggest high market volatility. This strategy is designed to reduce the risk of market losses from investing in equity securities. However, this strategy may result in periods of underperformance, including periods when specified benchmark indexes are appreciating but market volatility is high. As a result, your Contract Value may increase less than it would have without these defensive actions. You bear the risk of any Investment Option 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 PacificLife.com/Prospectuses. No assurance can be given that a Fund will achieve its investment objectives. The risk could also have a significant negative impact on certain benefits and guarantees under the Contract. 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.

Risk [Text Block]

What Are the Risks Related to the Insurance Company?

Investment in the Contract is subject to the risks related to us, and any obligations, guarantees, or benefits are subject to our claims-paying ability. If we experience financial distress, we may not be able to meet our obligations to you. More information about us, including our financial strength ratings, is available upon request by calling (800) 722-4448 or visiting our website at www.PacificLife.com.

Principal Risks of Investing in the Contract

Insurance Company Risks

Investment in the Contract is subject to the risks related to us, and any obligations , 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.

Advisory Fees

Authorized advisory fees to pay for advisory services from your financial professional are withdrawn from your Contract Value. Such withdrawals will reduce the death benefit under the Contract, may impact the benefits offered by an optional rider, and may be subject to federal and state income taxes and a 10% federal tax penalty.

Early Withdrawal Risks

This Contract is not suitable as short-term savings vehicle. This Contract may not be the right one for you if you need to withdraw money for short-term needs, because tax penalties for early withdrawal may apply. 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 Generation Single and Joint, Enhanced Income Select 2 Single and Joint, Enhanced Income Select Single and Joint, CoreIncome Advantage 4 Select Single and Joint) or 65 (Core Protect Plus Single and Joint, CoreIncome Advantage Select 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.