SEPARATE ACCOUNT A OF PACIFIC LIFE INSURANCE CO

N-4

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FEES, EXPENSES, AND ADJUSTMENTS		LOCATION IN PROSPECTUS
Are There Charges or Adjustments for Early Withdrawals?	If you withdraw money from your Contract during the first 7 years following your last Purchase Payment, you may be assessed a withdrawal charge. The maximum withdrawal charge is 9% of the Purchase Payment, declining to 0% after 7 years. For example, if you make an early withdrawal, you could pay a withdrawal charge up to $9,000 on a $100,000 withdrawal.	Fee Tables Charges, Fees and Adjustments - Withdrawal Charge
Are There Transaction Charges?	No. Other than withdrawal charges, there are no other transaction charges under this Contract (for example, sales loads, charges for transferring Contract Value between Investment Options, or wire transfer fees).	Optional Benefit Expenses
Are There Ongoing Fees and Expenses?	Yes. The table below describes the fees and expenses that you may pay each year, depending on the options you choose. Please refer to your Contract specifications page for information about the specific fees you will pay each year based on the options you have elected.	Charges Fees and Adjustments Appendix: Investment Options Available Under the Contract Charges, Fees


FEES, EXPENSES, AND ADJUSTMENTS				LOCATION IN PROSPECTUS
				and Adjustments – Living Benefit Rider Charges Charges, Fees and Adjustments – Mortality and Expense Risk Charge and Optional Death Benefit Rider Charge
	ANNUAL FEES	MINIMUM	MAXIMUM
	1. Base Contract	0.85%^1,2	0.95%¹
	2. Portfolio Company fees and expenses	0.28%³	2.54%³
	3. Optional Benefits (for a single optional benefit, if elected)	0.10%⁴	1.55%⁴
	Because your Contract is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your Contract, the following table shows the lowest and highest cost you could pay each year based on current charges. This estimate assumes that you do not take withdrawals from the Contract, which could add withdrawal charges that substantially increase costs.
	Lowest Annual Cost: $1,132.52	Highest Annual Cost: $4,625.65
	Assumes: ● Investment of $100,000 ● 5% annual appreciation ● Least expensive combination of base Contract and Fund fees and expenses ● No optional benefits ● No sales charges ● No additional purchase payments, transfers, or withdrawals	Assumes: ● Investment of $100,000 ● 5% annual appreciation ● Most expensive combination of base Contract, optional benefits, and Fund fees and expenses ● No sales charges ● No additional purchase payments, transfers, or withdrawals

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

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

3 As a percentage of Fund assets.

4 As a percentage of the Protected Payment Base (living benefits) or average daily Variable Account Value (optional death benefits).

Surrender Charge Phaseout Period, Years

7

Surrender Charge Footnotes [Text Block]

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


“Age” of Payment in Years:	1	2	3	4	5	6	7	8 or more
Withdrawal Charge Percentage:	9%	8%	7%	6%	5%	4%	3%	0%

The age is measured from the date of each Purchase Payment. The withdrawal charge may not apply or may be reduced under certain circumstances. For situations where a withdrawal charge may not apply, see CHARGES, FEES AND ADJUSTMENTS and see WITHDRAWALS– Withdrawals Free of a Withdrawal Charge for situations where the withdrawal charge amount may be reduced.

Transaction Charges [Text Block]

Are There Transaction Charges?

No. Other than withdrawal charges, there are no other transaction charges under this Contract (for example, sales loads, charges for transferring Contract Value between Investment Options, or wire transfer fees).

Optional Benefit Expenses

Base Contract (of Average Annual Net Assets) (N-4) Minimum [Percent]

0.85%

^[2],[3]

Investment Options (of Average Annual Net Assets) Minimum [Percent]

0.28%

^[4]

Optional Benefits Minimum [Percent]

0.10%

^[5],[6]

Optional Benefits Footnotes [Text Block]

As a percentage of the Protected Payment Base (living benefits) or average daily Variable Account Value (optional death benefits).

Lowest and Highest Annual Cost [Table Text Block]

Lowest Annual Cost: $1,132.52

Highest Annual Cost: $4,625.65

Assumes:

● Investment of $100,000

● 5% annual appreciation

● Least expensive combination of base Contract and Fund fees and expenses

● No optional benefits

● No sales charges

● No additional purchase payments, transfers, or withdrawals

Assumes:

● Investment of $100,000

● 5% annual appreciation

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

● No sales charges

● No additional purchase payments, transfers, or withdrawals

Highest Annual Cost [Dollars]

$ 4,625.65

Investment Restrictions [Text Block]

Are There Limits on the Investment Options?

Yes. Not all Variable Investment Options may be available to you.

Transfers between Variable Investment Options are limited to 25 each calendar year. Transfers to or from a Variable Investment Option can only be made beginning on the eighth calendar day following the last transfer to or from the same Variable Investment Option. Transfers may not be made from a Variable Investment Option to any fixed option. Additional Fund transfer restrictions apply, such as transfer restrictions imposed by the Funds.

Certain Funds may stop accepting additional investments into the Fund or a Fund may liquidate. In addition, if a Fund determines that excessive trading has occurred, they may limit your ability to continue to invest in their Fund for a certain period of time.

We reserve the right to remove, close to new investment, or substitute Funds as Investment Options.

Transfers and Market-Timing Restrictions

Additional Information-Changes to All Contracts

Appendix: Investment Options Available Under the Contract

Tax Implications [Text Block]

What Are the Contract’s Tax Implications?

You should consult with a tax professional to determine the tax implications of an investment in and payments received under the Contract.

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 will be subject to ordinary income tax and may be subject to a tax penalty if you take a withdrawal before age 59½.

Federal Tax Issues

Principal Risks of Investing in the Contract – Tax Consequences

Exchanges [Text Block]

Should I Exchange My Contract?

Some financial professionals may have a financial incentive to offer you a new contract in place of the one you already own.

You should only exchange your contract if you determine, after comparing the features, fees, and risks of both contracts, and any fees or penalties to terminate the existing contract, that it is preferable for you to purchase the new contract rather than continue to own the existing contract.

Replacement of Life Insurance or Annuities

Item 4. Fee Table [Text Block]

FEE TABLES

The following tables describe the fees, and expenses that you will pay when buying, owning, and surrendering or making withdrawals from an Investment Option or from the Contract. Please refer to your Contract specifications page for information about the specific fees you will pay each year based on the options you have elected.

The first table describes the fees and expenses that you will pay at the time that you surrender or make withdrawals from an Investment Option or from the Contract. State premium taxes may also be deducted.

Transaction Expenses


Maximum Withdrawal Charge (as a percentage of Purchase Payments or Contract Value)¹	9%

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


“Age” of Payment in Years:	1	2	3	4	5	6	7	8 or more
Withdrawal Charge Percentage:	9%	8%	7%	6%	5%	4%	3%	0%

The age is measured from the date of each Purchase Payment. The withdrawal charge may not apply or may be reduced under certain circumstances. For situations where a withdrawal charge may not apply, see CHARGES, FEES AND ADJUSTMENTS and see WITHDRAWALS– Withdrawals Free of a Withdrawal Charge for situations where the withdrawal charge amount may be reduced.

The next table describes the fees and expenses that you will pay each year during the time that you own the Contract (not including Fund fees and expenses). If you choose to purchase an optional benefit, you will pay additional charges, as shown below.

Annual Contract Expenses


Annual Fee²	$50.00


Base Contract Expenses (as a percentage of average daily Variable Account Value or Contract Value)³	0.95%
Optional Benefit Expenses
Guaranteed Minimum Withdrawal Benefit Maximum Charges (as a percentage of the Protected Payment Base)
Future Income Generator (Single)⁴	2.50%
Future Income Generator (Joint)⁴	2.75%
Enhanced Income Select 2 (Single)⁴	2.50%
Enhanced Income Select 2 (Joint)⁴	2.75%
CoreIncome Advantage Select (Single)	2.00%
CoreIncome Advantage Select (Joint)	2.50%
Death Benefit Maximum Charges (as a percentage of the average daily Variable Account Value)
Return of Purchase Payments Death Benefit Rider (including California version)	0.10%
Stepped-Up Death Benefit Rider (including California version)	0.40%
Option Death Benefit Maximum Charge (as a percentage of Contract Value)
Earnings Enhancement Death Benefit (EEDB) (including California version)	0.25%

² We deduct an Annual Fee on each Contract Anniversary up to your Annuity Date and when you make a full withdrawal if the Contract Value on these days is less than $50,000. See CHARGES, FEES AND ADJUSTMENTS.

³ This percentage includes the Mortality and Expense Risk Charge and the Administrative Fee. The Mortality and Expense Risk Charge percentage may decrease or increase based on your Contract Value. 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.

⁴The current charge for new elections for these riders is disclosed in a Rate Sheet Prospectus Supplement.

The next item shows the minimum and maximum total operating expenses charged by the Funds that you may pay periodically during the time that you own the Contract. Expenses shown may change over time and may be higher or lower in the future. A complete list of Investment Options available under the Contract, including their annual expenses, may be found in the APPENDIX: INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT.

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%

Examples

The Examples are intended to help you compare the cost of investing in the Variable Options with the cost of investing in other annuity contracts that offer variable options. These costs include transaction expenses, annual Contract expenses, and annual Fund expenses.

The Example assumes all Contract Value is allocated to the Variable Options.

The example assumes that you invest $100,000 in the Variable Options for the time periods indicated. The Example also assumes that your investment has a 5% return each year and assumes the most expensive combination of annual Fund expenses and optional benefits available for an additional charge. Although your actual costs may be higher or lower, based on these assumptions, your costs would be:

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


1 Year	3 Years	5 Years	10 Years
$15,014	$27,375	$40,121	$73,200

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


1 Year	3 Years	5 Years	10 Years
$15,014	$21,075	$35,621	$73,200

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


1 Year	3 Years	5 Years	10 Years
$6,914	$21,075	$35,621	$73,200

Other Transaction Fee (of Other Amount), Footnotes [Text Block]

We deduct an Annual Fee on each Contract Anniversary up to your Annuity Date and when you make a full withdrawal if the Contract Value on these days is less than $50,000. See CHARGES, FEES AND ADJUSTMENTS.

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

0.95%

^[7]

Optional Benefit Expense, Footnotes [Text Block]

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

Other Annual Expense, Footnotes [Text Block]

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

Portfolio Company Expenses Minimum [Percent]

0.28%

Surrender Example [Table Text Block]

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


1 Year	3 Years	5 Years	10 Years
$15,014	$27,375	$40,121	$73,200

Surrender Expense, 3 Years, Maximum [Dollars]

27,375

Surrender Expense, 10 Years, Maximum [Dollars]

$ 73,200

Annuitized Expense, 1 Year, Maximum [Dollars]

$ 15,014

Annuitized Expense, 5 Years, Maximum [Dollars]

35,621

No Surrender Example [Table Text Block]

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


1 Year	3 Years	5 Years	10 Years
$6,914	$21,075	$35,621	$73,200

No Surrender Expense, 3 Years, Maximum [Dollars]

21,075

No Surrender Expense, 10 Years, Maximum [Dollars]

$ 73,200

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 withdrawal charges and 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 59½ for the Future Income Generator (Single and Joint) and Enhanced Income Select (Single and Joint) riders (65 for CoreIncome Select Advantage (Single and Joint) riders) 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 (including any fixed option), guarantees, or benefits are backed by our claims paying ability and financial strength. You must look to our strength with regard to such guarantees. Your financial professional’s firm is not responsible for any Contract guarantees.

Tax Consequences

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

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

Cybersecurity and Business Continuity Risks

Our business is highly dependent upon the effective operation of our computer systems and those of our business partners. As a result, our business is potentially susceptible to operational and information security risks associated with the technologies, processes and practices designed to protect networks, systems, computers, programs and data from attack, damage or unauthorized access. These risks include, among other things, the theft, loss, misuse, corruption and destruction of data maintained online or digitally, denial of service on websites and other operational disruption, and unauthorized release of confidential customer information. Cyber-attacks affecting us, any third-party administrator, the underlying Funds, intermediaries, and other affiliated or third-party service providers may adversely affect us and your Contract Value. For instance, cyber-attacks may interfere with contract transaction processing, including the processing of orders from our website or with the underlying Funds; impact our ability to calculate Accumulated Unit Values, Subaccount Unit Values or an underlying Fund to calculate a net asset value; cause the release and possible destruction of confidential customer or business information; impede order processing; subject us and/or our service providers and intermediaries to regulatory fines and financial losses; and/or cause reputational damage. Cybersecurity risks may also impact the issuers of securities in which the underlying Funds invest, which may cause the Funds underlying your Contract to lose value. The constant change in technologies and increased sophistication and activities of hackers and others, continue to pose new and significant cybersecurity

threats. While measures have been developed that are designed to reduce cybersecurity risks, there can be no guarantee or assurance that we, the underlying Funds, or our service providers will not suffer losses affecting your Contract due to cyber-attacks or information security breaches in the future.

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

Benefits Available (N-4) [Text Block]

BENEFITS AVAILABLE UNDER THE CONTRACT

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


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

DCA Plus	Allows dollar cost averaging transfers from the DCA Plus Fixed Option to one or more Variable Investment Options. Amounts held in the DCA Plus Fixed Option will earn a guaranteed minimum interest rate.	No Charge	● Can only have one dollar cost averaging program in effect at one time. ● Only available prior to the Annuity Date. ● Program transfers do not count against limits on permitted transfers
Portfolio Rebalancing	Allows you to automatically rebalance your values among Variable Investment Options based on percentages that you specify.	No Charge	● Rebalancing can be made quarterly, semi-annually, or annually. ● Only available prior to the Annuity Date. ● Program transfers do not count against limits on permitted transfers. ● We may discontinue, modify, or suspend this service at any time.
Death Benefit Amount	Provides a death benefit equal to the Net Contract Value.	No Charge	● Poor investment performance will reduce the death benefit amount. ● Withdrawals will reduce the death benefit amount. ● 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.


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. ● 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


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

			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 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	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


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

	years.		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 terminate upon annuitization.


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

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 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


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

			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.


Optional Death Benefits (Additional Charges Apply)
Name of Benefit	Purpose	Maximum Annual Fee	Brief Description of Restriction/Limitations
Return of Purchase Payments Death Benefit	Provides a death benefit equal to the greater of the Contract Value or the total of all Purchase Payments adjusted for withdrawals.	0.10% (as a percentage of average daily Variable Account Value)	● Not available for Contracts issued in California. ● Available only at contract purchase. ● Must be 85 or younger on the Contract Date. ● Certain ownership changes may reduce benefits. ● Withdrawals will proportionately reduce the benefit and the reduction made may be greater than the actual amount withdrawn. ● May not voluntarily terminate the rider. ● Benefit and benefit charges terminate upon annuitization or when the Contract Value is reduced to zero.
Return of Purchase Payments Death Benefit II	Provides a death benefit equal to the greater of the Contract Value or the total of all Purchase Payments adjusted for withdrawals.	0.10% (as a percentage of average daily Variable Account Value)	● Only available for Contracts issued in California. ● Available only at contract purchase. ● Must be 85 or younger on the Contract Date. ● Withdrawals will reduce this benefit and the reduction made may be greater than the actual amount withdrawn. ● May not voluntarily terminate the rider. ● Benefit and benefit charges terminate upon annuitization or when the Contract Value is reduced to zero.
Stepped -Up Death Benefit	This optional benefit provides the ability to lock-in market gains and pay a stepped-up benefit, which is the highest death benefit amount due under the Contract on any previous anniversary date of the issue date of the Contract, prior to the Owner’s	0.40% (as a percentage of average daily Variable Account Value)	● Not available for Contracts issued in California. ● Cannot purchase this benefit after the Contract Date ● Must be 75 or younger on the Contract Date. ● Certain ownership changes may


Optional Death Benefits (Additional Charges Apply)
Name of Benefit	Purpose	Maximum Annual Fee	Brief Description of Restriction/Limitations
	81^st birthday.		reduce benefits ● Withdrawals may reduce this benefit and the reduction made may be greater than the actual amount withdrawn. ● Step-ups stop on the Contract Anniversary prior to the oldest owner or annuitant reaching age 81. ● This benefit terminates upon annuitization or when the Contract Value is reduced to zero. ● May not voluntarily terminate the rider.
Stepped-Up Death Benefit II	This benefit provides a death benefit equal to the greater of the death benefit amount under the Contract or the death benefit amount under this option, adjusted for withdrawals. Provides for step-ups to increase the death benefit amount under this benefit	0.40% (as a percentage of average daily Variable Account Value)	● Only available for Contracts issued in California ● Available only at contract purchase. ● Owner and Annuitant must be 75 or younger on the purchase date. ● Step-ups stop on the Contract Anniversary prior to the oldest Annuitant reaching age 81. ● Withdrawals will reduce this benefit and the reduction made may be greater than the actual amount withdrawn. ● May not voluntarily terminate the rider. ● Benefit and benefit charges terminate upon annuitization or when the Contract Value is reduced to zero.
Earning Enhancement Death Benefit	This benefit may enhance the death benefit, by adding an additional amount—equal to a percent of any Earnings as of the date of death—to the death benefit proceeds.	0.25% (as a percentage of Contract Value)	● Not available for Contracts issue in California. ● Available at Contract purchase and within 60 days of Contract Issue. ● Owner and Annuitant must be 75 years on the date of purchase. ● Withdrawals are first taken from Earnings in the Contract. ● The enhanced amount percentage applied is based on the age of the oldest Owner on the Rider Effective Date or effective date of certain Owner changes. ● There is no additional amount added if there are no Earnings on the Contract as of the date of death. ● An ownership change to an Owner who is older than 75 will terminate the rider. ● May not voluntarily terminate the rider. ● Benefit and benefit charges terminate upon annuitization or when the Contract Value is reduced


Optional Death Benefits (Additional Charges Apply)
Name of Benefit	Purpose	Maximum Annual Fee	Brief Description of Restriction/Limitations
			to zero.
Earning Enhancement Death Benefit (for California)	This benefit may enhance the death benefit, by adding an additional amount—equal to a percent of any Earnings as of the date of death—to the death benefit proceeds.	0.25% (as a percentage of Contract Value)	● Only available for Contracts issued in California. ● Available at Contract purchase and within 60 days of Contract Issue. ● Owner and Annuitant must be 75 years or younger on the date of purchase. ● Withdrawals are first taken from Earnings in the Contract. ● The enhanced amount percentage applied is based on the age of the oldest Annuitant on the Rider Effective Date. ● There is no additional amount added if there are no earnings on the Contract as of the date of death. ● May not voluntarily terminate the rider. ● Benefit and benefit charges terminate upon annuitization or when the Contract Value is reduced to zero.

Optional Benefit Expense, Footnotes [Text Block]

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

Investment Options (N-4) [Text Block]

APPENDIX: INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT

The following is a list of Investment Options available under the Contract. More information about the Funds is available in the prospectuses for the Funds, which may be amended from time to time and can be found online at https://pacificlife.onlineprospectus.net/pacificlife/products/. You can also request this information at no cost by calling (833) 455-0901 or by sending an email request to Prospectuses@PacificLife.com. Availability of Funds may vary by financial intermediary. For information about which Funds are available to you, please contact your financial professional or call us at the number above.

Depending on the optional benefits you choose, you may not be able to invest in certain Funds. See the Living Benefit Investment Allocation Requirements section after the Fund table below.

The current expenses and performance information below reflects fee and expenses of the Funds, but do not reflect the other fees and expenses that your Contract may charge. Expenses would be higher and performance would lower if these other charges were included. Each Fund’s past performance is not necessarily an indication of future performance.


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 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%
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


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; 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
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


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.	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%
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


Investment Objective	Fund; Advisor (Subadvisor)	Current Expenses	Average Annual Total Returns (as of 12/31/2024)
			1 Year	5 Year	10 Year
Seeks capital appreciation.	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%
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%


Investment Objective	Fund; Advisor (Subadvisor)	Current Expenses	Average Annual Total Returns (as of 12/31/2024)
			1 Year	5 Year	10 Year
Seeks capital appreciation.	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%
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%


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.	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
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%


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; 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%
Seeks to maximize total return consistent with prudent investment management.	Pacific Select Fund Total Return Portfolio Class I (formerly called Pacific Select Fund Managed Bond Portfolio Class I); Pacific Life Fund Advisors LLC (Pacific Investment Management Company LLC)	0.92%	2.70%	0.15%	1.65%


Investment Objective	Fund; Advisor (Subadvisor)	Current Expenses	Average Annual Total Returns (as of 12/31/2024)
			1 Year	5 Year	10 Year
Seeks to provide long-term total return from a combination of income and capital gains.	Pacific Select Fund Value Advantage Portfolio Class I; Pacific Life Fund Advisors LLC (JPMorgan Investment Management, Inc.)	0.87%¹	16.50%	8.89%	8.41%
Seeks long-term growth of capital.	Pacific Select Fund Value Portfolio Class I; Pacific Life Fund Advisors LLC (Putnam Investment Management, LLC)	0.86%¹	10.14%	5.17%	6.22%
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.

Prospectuses Available [Text Block]

The following is a list of Investment Options available under the Contract. More information about the Funds is available in the prospectuses for the Funds, which may be amended from time to time and can be found online at https://pacificlife.onlineprospectus.net/pacificlife/products/. You can also request this information at no cost by calling (833) 455-0901 or by sending an email request to Prospectuses@PacificLife.com. Availability of Funds may vary by financial intermediary. For information about which Funds are available to you, please contact your financial professional or call us at the number above.

Depending on the optional benefits you choose, you may not be able to invest in certain Funds. See the Living Benefit Investment Allocation Requirements section after the Fund table below.

The current expenses and performance information below reflects fee and expenses of the Funds, but do not reflect the other fees and expenses that your Contract may charge. Expenses would be higher and performance would lower if these other charges were included. Each Fund’s past performance is not necessarily an indication of future performance.

Average Annual Total Returns, 1 Year [Percent]

14.63%

Portfolio Company Objective [Text Block]

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

Portfolio Company Adviser [Text Block]

Capital Research and Management Company℠

Average Annual Total Returns, 1 Year [Percent]

9.39%

Average Annual Total Returns, 10 Years [Percent]

5.06%

Variable Option [Line Items]

Portfolio Company Name [Text Block]

American Funds IS Asset Allocation Fund Class 4

Current Expenses [Percent]

0.79%

Average Annual Total Returns, 5 Years [Percent]

8.04%

Portfolio Company Objective [Text Block]

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.

Portfolio Company Adviser [Text Block]

Capital Research and Management Company℠

Average Annual Total Returns, 1 Year [Percent]

9.93%

Average Annual Total Returns, 10 Years [Percent]

5.17%

Variable Option [Line Items]

Portfolio Company Name [Text Block]

American Funds IS Capital World Bond Fund Class 4

Current Expenses [Percent]

0.98%

Average Annual Total Returns, 5 Years [Percent]

(2.65%)

Portfolio Company Objective [Text Block]

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

Portfolio Company Adviser [Text Block]

Capital Research and Management Company℠

Average Annual Total Returns, 1 Year [Percent]

13.70%

Average Annual Total Returns, 10 Years [Percent]

8.17%

Variable Option [Line Items]

Portfolio Company Name [Text Block]

American Funds IS Global Balanced Fund Class 4

Current Expenses [Percent]

1.01%

^[9]

Average Annual Total Returns, 5 Years [Percent]

4.56%

Portfolio Company Objective [Text Block]

Provide long-term growth of capital.

Portfolio Company Adviser [Text Block]

Capital Research and Management Company℠

Average Annual Total Returns, 1 Year [Percent]

13.39%

Average Annual Total Returns, 10 Years [Percent]

10.46%

Variable Option [Line Items]

Portfolio Company Name [Text Block]

American Funds IS Global Small Capitalization Fund Class 4

Current Expenses [Percent]

1.15%

^[9]

Average Annual Total Returns, 5 Years [Percent]

2.74%

Portfolio Company Objective [Text Block]

Provide growth of capital.

Portfolio Company Adviser [Text Block]

Capital Research and Management Company℠

Average Annual Total Returns, 1 Year [Percent]

31.29%

Average Annual Total Returns, 10 Years [Percent]

16.29%

Variable Option [Line Items]

Portfolio Company Name [Text Block]

American Funds IS Growth-Income Fund Class 4

Current Expenses [Percent]

0.78%

Average Annual Total Returns, 5 Years [Percent]

12.73%

Portfolio Company Objective [Text Block]

Provide long-term growth of capital.

Portfolio Company Adviser [Text Block]

Capital Research and Management Company℠

Average Annual Total Returns, 1 Year [Percent]

2.93%

Average Annual Total Returns, 10 Years [Percent]

3.75%

Variable Option [Line Items]

Portfolio Company Name [Text Block]

American Funds IS International Growth and Income Fund Class 4

Current Expenses [Percent]

1.06%

Average Annual Total Returns, 5 Years [Percent]

2.28%

Portfolio Company Objective [Text Block]

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.

Portfolio Company Adviser [Text Block]

Capital Research and Management Company℠

Average Annual Total Returns, 5 Years [Percent]

5.30%

Portfolio Company Objective [Text Block]

Provide long-term capital appreciation.

Portfolio Company Adviser [Text Block]

Capital Research and Management Company℠

Average Annual Total Returns, 1 Year [Percent]

6.33%

Average Annual Total Returns, 10 Years [Percent]

5.96%

Variable Option [Line Items]

Portfolio Company Name [Text Block]

American Funds IS The Bond Fund of America Class 4

Current Expenses [Percent]

0.73%

^[9]

Average Annual Total Returns, 5 Years [Percent]

0.07%

Portfolio Company Objective [Text Block]

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

Portfolio Company Adviser [Text Block]

Capital Research and Management Company℠

Average Annual Total Returns, 1 Year [Percent]

0.44%

Average Annual Total Returns, 10 Years [Percent]

0.84%

Variable Option [Line Items]

Portfolio Company Name [Text Block]

American Funds IS Washington Mutual Investors Fund Class 4

Current Expenses [Percent]

0.75%

^[9]

Average Annual Total Returns, 5 Years [Percent]

11.92%

Portfolio Company Objective [Text Block]

Seeks to provide total return.

Portfolio Company Adviser [Text Block]

BlackRock Advisors, LLC

Average Annual Total Returns, 1 Year [Percent]

11.64%

Average Annual Total Returns, 10 Years [Percent]

6.74%

Variable Option [Line Items]

Portfolio Company Name [Text Block]

BlackRock Global Allocation V.I. Fund Class III

Current Expenses [Percent]

1.01%

^[9]

Average Annual Total Returns, 5 Years [Percent]

5.72%

Portfolio Company Objective [Text Block]

Seeks long-term capital appreciation.

Portfolio Company Adviser [Text Block]

Fidelity Management & Research Company LLC

Average Annual Total Returns, 1 Year [Percent]

33.45%

Average Annual Total Returns, 10 Years [Percent]

13.33%

Variable Option [Line Items]

Portfolio Company Name [Text Block]

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

Current Expenses [Percent]

0.81%

^[9]

Average Annual Total Returns, 5 Years [Percent]

6.41%

Portfolio Company Objective [Text Block]

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

Portfolio Company Adviser [Text Block]

Fidelity Management & Research Company LLC

Average Annual Total Returns, 1 Year [Percent]

5.00%

Average Annual Total Returns, 10 Years [Percent]

1.54%

Variable Option [Line Items]

Portfolio Company Name [Text Block]

Fidelity^® VIP Strategic Income Portfolio Service Class 2

Current Expenses [Percent]

0.89%

Average Annual Total Returns, 5 Years [Percent]

2.54%

Portfolio Company Objective [Text Block]

Seeks to provide total return.

Portfolio Company Adviser [Text Block]

First Trust Advisors L.P.

Average Annual Total Returns, 1 Year [Percent]

12.53%

Portfolio Company Objective [Text Block]

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

Portfolio Company Adviser [Text Block]

First Trust Advisors L.P.

Average Annual Total Returns, 1 Year [Percent]

6.01%

Average Annual Total Returns, 10 Years [Percent]

6.14%

Variable Option [Line Items]

Portfolio Company Name [Text Block]

Franklin Allocation VIP Fund Class 4

Current Expenses [Percent]

0.92%

^[9]

Average Annual Total Returns, 5 Years [Percent]

5.45%

Portfolio Company Objective [Text Block]

To maximize income while maintain prospects for capital appreciation.

Portfolio Company Adviser [Text Block]

Franklin Advisers, Inc.

Average Annual Total Returns, 1 Year [Percent]

7.20%

Average Annual Total Returns, 10 Years [Percent]

5.27%

Variable Option [Line Items]

Portfolio Company Name [Text Block]

Franklin Mutual Global Discovery VIP Fund Class 2

Current Expenses [Percent]

1.16%

Average Annual Total Returns, 5 Years [Percent]

6.42%

Portfolio Company Objective [Text Block]

Seeks long-term capital appreciation, with preservation of capital as an important consideration.

Portfolio Company Adviser [Text Block]

Franklin Advisers, Inc.

Average Annual Total Returns, 1 Year [Percent]

10.79%

Average Annual Total Returns, 10 Years [Percent]

10.44%

Variable Option [Line Items]

Portfolio Company Name [Text Block]

Invesco Oppenheimer V.I. International Growth Fund Series II

Current Expenses [Percent]

1.25%

^[9]

Average Annual Total Returns, 5 Years [Percent]

2.83%

Portfolio Company Objective [Text Block]

Total return with a low to moderate correlation to traditional financial market indices.

Portfolio Company Adviser [Text Block]

Invesco Advisers, Inc.

Average Annual Total Returns, 1 Year [Percent]

3.56%

Average Annual Total Returns, 10 Years [Percent]

3.57%

Variable Option [Line Items]

Portfolio Company Name [Text Block]

Invesco V.I. Equity and Income Fund Series II

Current Expenses [Percent]

0.82%

Average Annual Total Returns, 5 Years [Percent]

8.12%

Portfolio Company Objective [Text Block]

Seeks capital appreciation.

Portfolio Company Adviser [Text Block]

Invesco Advisers, Inc.

Average Annual Total Returns, 1 Year [Percent]

15.78%

Average Annual Total Returns, 10 Years [Percent]

9.58%

Variable Option [Line Items]

Portfolio Company Name [Text Block]

Invesco V.I. Global Real Estate Fund Series II

Current Expenses [Percent]

1.27%

Average Annual Total Returns, 5 Years [Percent]

(2.64%)

Portfolio Company Objective [Text Block]

Seeks long-term capital growth, consistent with preservation of capital and balanced by current income.

Portfolio Company Adviser [Text Block]

Janus Henderson Investors US LLC

Average Annual Total Returns, 1 Year [Percent]

15.15%

Average Annual Total Returns, 10 Years [Percent]

8.40%

Variable Option [Line Items]

Portfolio Company Name [Text Block]

Janus Henderson Flexible Bond Portfolio Service Shares

Current Expenses [Percent]

0.82%

^[9]

Average Annual Total Returns, 5 Years [Percent]

0.09%

Portfolio Company Objective [Text Block]

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

Portfolio Company Adviser [Text Block]

Lincoln Financial Investments Corporation ("LFI")

Average Annual Total Returns, 1 Year [Percent]

8.52%

Average Annual Total Returns, 10 Years [Percent]

7.87%

Variable Option [Line Items]

Portfolio Company Name [Text Block]

Lord Abbett Bond Debenture Portfolio Class VC

Current Expenses [Percent]

1.14%

Average Annual Total Returns, 5 Years [Percent]

1.90%

Portfolio Company Objective [Text Block]

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

Portfolio Company Adviser [Text Block]

Lord Abbett & Co. LLC

Average Annual Total Returns, 1 Year [Percent]

2.66%

Average Annual Total Returns, 10 Years [Percent]

1.50%

Variable Option [Line Items]

Portfolio Company Name [Text Block]

MFS^® Total Return Series – Service Class

Current Expenses [Percent]

0.86%

^[9]

Average Annual Total Returns, 5 Years [Percent]

5.89%

Portfolio Company Objective [Text Block]

Seeks total return.

Portfolio Company Adviser [Text Block]

Massachusetts Financial Services Company

Average Annual Total Returns, 1 Year [Percent]

11.34%

Average Annual Total Returns, 10 Years [Percent]

6.02%

Variable Option [Line Items]

Portfolio Company Name [Text Block]

Macquarie VIP Asset Strategy Series Service Class

Current Expenses [Percent]

0.85%

^[9]

Average Annual Total Returns, 5 Years [Percent]

6.56%

Portfolio Company Objective [Text Block]

Seeks to provide capital growth and appreciation.

Portfolio Company Adviser [Text Block]

Delaware Management Company

Average Annual Total Returns, 1 Year [Percent]

(5.60%)

Average Annual Total Returns, 10 Years [Percent]

(1.89%)

Variable Option [Line Items]

Portfolio Company Name [Text Block]

PIMCO CommodityRealReturn^® Strategy Portfolio – Advisor Class

Current Expenses [Percent]

2.38%

^[9]

Average Annual Total Returns, 5 Years [Percent]

6.98%

Portfolio Company Objective [Text Block]

Seeks to maximize current income. Long-term capital appreciation is a secondary objective.

Portfolio Company Adviser [Text Block]

Pacific Investment Management Company, LLC

Average Annual Total Returns, 1 Year [Percent]

5.30%

Portfolio Company Objective [Text Block]

Seeks capital appreciation.

Portfolio Company Adviser [Text Block]

Pacific Life Fund Advisors, LLC

Portfolio Company Objective [Text Block]

Seeks a high level of current income; capital appreciation is of secondary importance.

Portfolio Company Adviser [Text Block]

Pacific Life Fund Advisors LLC

Current Expenses [Percent]

0.76%

Average Annual Total Returns, 5 Years [Percent]

1.19%

Variable Option [Line Items]

Portfolio Company Name [Text Block]

Pacific Select Fund Diversified Bond Portfolio Class I

Portfolio Company Subadviser [Text Block]

Loomis Sayles & Company, L.P.

Average Annual Total Returns, 1 Year [Percent]

1.62%

Average Annual Total Returns, 10 Years [Percent]

1.60%

Variable Option [Line Items]

Portfolio Company Name [Text Block]

Pacific Select Fund Dividend Growth Portfolio Class I

Portfolio Company Subadviser [Text Block]

T. Rowe Price Associates, Inc.

Average Annual Total Returns, 1 Year [Percent]

13.24%

Average Annual Total Returns, 10 Years [Percent]

11.10%

Variable Option [Line Items]

Portfolio Company Name [Text Block]

Pacific Select Fund ESG Diversified Growth Portfolio Class I

Current Expenses [Percent]

0.79%

^[9]

Portfolio Company Objective [Text Block]

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

Portfolio Company Adviser [Text Block]

Pacific Life Fund Advisors LLC

Average Annual Total Returns, 1 Year [Percent]

12.18%

Variable Option [Line Items]

Portfolio Company Name [Text Block]

Pacific Select Fund Emerging Markets Debt Portfolio Class I

Portfolio Company Subadviser [Text Block]

Principal Global Investors, LLC

Average Annual Total Returns, 1 Year [Percent]

6.88%

Average Annual Total Returns, 10 Years [Percent]

3.15%

Variable Option [Line Items]

Portfolio Company Name [Text Block]

Pacific Select Fund Emerging Markets Portfolio Class I

Portfolio Company Subadviser [Text Block]

Goldman Sachs Asset Management, L.P.

Average Annual Total Returns, 1 Year [Percent]

(1.52%)

Average Annual Total Returns, 10 Years [Percent]

1.64%

Variable Option [Line Items]

Portfolio Company Name [Text Block]

Pacific Select Fund Equity Index Portfolio Class I

Portfolio Company Subadviser [Text Block]

BlackRock Investment Management, LLC

Average Annual Total Returns, 1 Year [Percent]

24.66%

Average Annual Total Returns, 10 Years [Percent]

12.78%

Variable Option [Line Items]

Portfolio Company Name [Text Block]

Pacific Select Fund Floating Rate Income Portfolio Class I

Portfolio Company Subadviser [Text Block]

Aristotle Pacific Capital LLC

Average Annual Total Returns, 1 Year [Percent]

8.05%

Average Annual Total Returns, 10 Years [Percent]

4.97%

Variable Option [Line Items]

Portfolio Company Name [Text Block]

Pacific Select Fund Focused Growth Portfolio Class I

Portfolio Company Subadviser [Text Block]

Janus Henderson Investors US LLC

Average Annual Total Returns, 1 Year [Percent]

27.95%

Average Annual Total Returns, 10 Years [Percent]

14.92%

Variable Option [Line Items]

Portfolio Company Name [Text Block]

Pacific Select Fund Growth Portfolio Class I

Portfolio Company Subadviser [Text Block]

MFS Investment Management

Average Annual Total Returns, 1 Year [Percent]

31.82%

Average Annual Total Returns, 10 Years [Percent]

15.10%

Variable Option [Line Items]

Portfolio Company Name [Text Block]

Pacific Select Fund Health Sciences Portfolio Class I

Portfolio Company Subadviser [Text Block]

BlackRock Investment Management, LLC

Average Annual Total Returns, 1 Year [Percent]

4.04%

Average Annual Total Returns, 10 Years [Percent]

8.90%

Variable Option [Line Items]

Portfolio Company Name [Text Block]

Pacific Select Fund Hedged Equity Portfolio Class I

Portfolio Company Subadviser [Text Block]

JPMorgan Investment Management, Inc.

Average Annual Total Returns, 1 Year [Percent]

17.87%

Variable Option [Line Items]

Portfolio Company Name [Text Block]

Pacific Select Fund High Yield Bond Portfolio Class I

Portfolio Company Subadviser [Text Block]

Aristotle Pacific Capital LLC

Average Annual Total Returns, 1 Year [Percent]

7.14%

Average Annual Total Returns, 10 Years [Percent]

4.62%

Variable Option [Line Items]

Portfolio Company Name [Text Block]

Pacific Select Fund Inflation Managed Portfolio Class I

Portfolio Company Subadviser [Text Block]

Pacific Investment Management Company LLC

Average Annual Total Returns, 1 Year [Percent]

2.36%

Average Annual Total Returns, 10 Years [Percent]

2.15%

Variable Option [Line Items]

Portfolio Company Name [Text Block]

Pacific Select Fund Intermediate Bond Portfolio Class I

Portfolio Company Subadviser [Text Block]

JPMorgan Investment Management, Inc.

Average Annual Total Returns, 1 Year [Percent]

2.11%

Variable Option [Line Items]

Portfolio Company Name [Text Block]

Pacific Select Fund International Equity Plus Bond Alpha Portfolio Class I

Current Expenses [Percent]

0.66%

^[9]

Variable Option [Line Items]

Portfolio Company Name [Text Block]

Pacific Select Fund International Growth Portfolio Class I

Portfolio Company Subadviser [Text Block]

ClearBridge Investments, LLC

Average Annual Total Returns, 1 Year [Percent]

7.39%

Variable Option [Line Items]

Portfolio Company Name [Text Block]

Pacific Select Fund International Large-Cap Portfolio Class I

Portfolio Company Subadviser [Text Block]

MFS Investment Management

Average Annual Total Returns, 1 Year [Percent]

3.68%

Average Annual Total Returns, 10 Years [Percent]

6.62%

Variable Option [Line Items]

Portfolio Company Name [Text Block]

Pacific Select Fund International Small-Cap Portfolio Class I

Portfolio Company Subadviser [Text Block]

FIAM, LLC.

Average Annual Total Returns, 1 Year [Percent]

(0.98%)

Average Annual Total Returns, 10 Years [Percent]

4.89%

Variable Option [Line Items]

Portfolio Company Name [Text Block]

Pacific Select Fund International Value Portfolio Class I

Portfolio Company Subadviser [Text Block]

Wellington Management Company LLP

Average Annual Total Returns, 1 Year [Percent]

3.89%

Average Annual Total Returns, 10 Years [Percent]

5.23%

Variable Option [Line Items]

Portfolio Company Name [Text Block]

Pacific Select Fund Large-Cap Core Portfolio Class I

Portfolio Company Subadviser [Text Block]

JPMorgan Investment Management, Inc.

Average Annual Total Returns, 1 Year [Percent]

23.96%

Average Annual Total Returns, 10 Years [Percent]

11.62%

Variable Option [Line Items]

Portfolio Company Name [Text Block]

Pacific Select Fund Large-Cap Growth Portfolio Class I

Portfolio Company Subadviser [Text Block]

FIAM, LLC

Average Annual Total Returns, 1 Year [Percent]

29.97%

Average Annual Total Returns, 10 Years [Percent]

14.12%

Variable Option [Line Items]

Portfolio Company Name [Text Block]

Pacific Select Fund Large-Cap Plus Bond Alpha Portfolio Class I

Current Expenses [Percent]

0.64%

^[9]

Variable Option [Line Items]

Portfolio Company Name [Text Block]

Pacific Select Fund Large-Cap Value Portfolio Class I

Portfolio Company Subadviser [Text Block]

ClearBridge Investments, LLC

Average Annual Total Returns, 1 Year [Percent]

7.97%

Average Annual Total Returns, 10 Years [Percent]

8.43%

Variable Option [Line Items]

Portfolio Company Name [Text Block]

Pacific Select Fund Mid-Cap Growth Portfolio Class I

Portfolio Company Subadviser [Text Block]

Federated MDTA LLC

Average Annual Total Returns, 1 Year [Percent]

2.48%

Average Annual Total Returns, 10 Years [Percent]

10.17%

Variable Option [Line Items]

Portfolio Company Name [Text Block]

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

Portfolio Company Subadviser [Text Block]

Fidelity Diversifying Solutions LLC

Average Annual Total Returns, 1 Year [Percent]

14.95%

Average Annual Total Returns, 10 Years [Percent]

10.26%

Variable Option [Line Items]

Portfolio Company Name [Text Block]

Pacific Select Fund Mid-Cap Value Portfolio Class I

Portfolio Company Subadviser [Text Block]

Boston Partners Global Investors, Inc.

Average Annual Total Returns, 1 Year [Percent]

10.31%

Average Annual Total Returns, 10 Years [Percent]

8.89%

Variable Option [Line Items]

Portfolio Company Name [Text Block]

Pacific Select Fund PSF Avantis Balanced Allocation Portfolio Class I (formerly called Class D)

Current Expenses [Percent]

0.65%

Average Annual Total Returns, 5 Years [Percent]

6.36%

Portfolio Company Objective [Text Block]

Seeks high, long-term growth of capital.

Portfolio Company Adviser [Text Block]

Pacific Life Fund Advisors LLC

Portfolio Company Objective [Text Block]

Seeks current income and moderate growth of capital.

Portfolio Company Adviser [Text Block]

Pacific Life Fund Advisors LLC

Average Annual Total Returns, 1 Year [Percent]

8.54%

Average Annual Total Returns, 10 Years [Percent]

4.81%

Variable Option [Line Items]

Portfolio Company Name [Text Block]

Pacific Select Fund Pacific Dynamix – Growth Portfolio Class I

Current Expenses [Percent]

0.59%

^[9]

Average Annual Total Returns, 5 Years [Percent]

8.00%

Portfolio Company Objective [Text Block]

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

Portfolio Company Adviser [Text Block]

Pacific Life Fund Advisors LLC

Average Annual Total Returns, 1 Year [Percent]

12.12%

Average Annual Total Returns, 10 Years [Percent]

6.49%

Variable Option [Line Items]

Portfolio Company Name [Text Block]

Pacific Select Fund Portfolio Optimization Aggressive-Growth Portfolio Class I

Current Expenses [Percent]

0.97%

Average Annual Total Returns, 5 Years [Percent]

6.94%

Portfolio Company Objective [Text Block]

Seeks current income and preservation of capital.

Portfolio Company Adviser [Text Block]

Pacific Life Fund Advisors LLC

Average Annual Total Returns, 1 Year [Percent]

6.38%

Average Annual Total Returns, 10 Years [Percent]

3.14%

Variable Option [Line Items]

Portfolio Company Name [Text Block]

Pacific Select Fund Portfolio Optimization Growth Portfolio Class I

Current Expenses [Percent]

0.94%

Average Annual Total Returns, 5 Years [Percent]

6.20%

Portfolio Company Objective [Text Block]

Seeks current income and moderate growth of capital.

Portfolio Company Adviser [Text Block]

Pacific Life Fund Advisors LLC

Average Annual Total Returns, 1 Year [Percent]

8.41%

Average Annual Total Returns, 10 Years [Percent]

4.45%

Variable Option [Line Items]

Portfolio Company Name [Text Block]

Pacific Select Fund Portfolio Optimization Moderate Portfolio Class I

Current Expenses [Percent]

0.92%

Average Annual Total Returns, 5 Years [Percent]

5.44%

Portfolio Company Objective [Text Block]

Seeks capital appreciation.

Portfolio Company Adviser [Text Block]

Pacific Life Fund Advisors, LLC

Portfolio Company Objective [Text Block]

Seeks current income and long-term capital appreciation.

Portfolio Company Adviser [Text Block]

Pacific Life Fund Advisors LLC

Current Expenses [Percent]

0.99%

^[9]

Average Annual Total Returns, 5 Years [Percent]

4.16%

Portfolio Company Objective [Text Block]

Seeks current income; capital appreciation is of secondary importance.

Portfolio Company Adviser [Text Block]

Pacific Life Fund Advisors LLC

Current Expenses [Percent]

0.64%

Average Annual Total Returns, 5 Years [Percent]

1.62%

Portfolio Company Objective [Text Block]

Seeks long-term growth of capital.

Portfolio Company Adviser [Text Block]

Pacific Life Fund Advisors LLC

Current Expenses [Percent]

0.94%

^[9]

Average Annual Total Returns, 5 Years [Percent]

7.54%

Portfolio Company Objective [Text Block]

Seeks capital appreciation; no consideration is given to income.

Portfolio Company Adviser [Text Block]

Pacific Life Fund Advisors LLC

Current Expenses [Percent]

0.84%

Average Annual Total Returns, 5 Years [Percent]

6.17%

Portfolio Company Objective [Text Block]

Seeks investment results that correspond to the total return of an index of small-capitalization companies.

Portfolio Company Adviser [Text Block]

Pacific Life Fund Advisors LLC

Current Expenses [Percent]

0.58%

Average Annual Total Returns, 5 Years [Percent]

6.77%

Portfolio Company Objective [Text Block]

Seeks capital appreciation.

Portfolio Company Adviser [Text Block]

Pacific Life Fund Advisors, LLC

Portfolio Company Objective [Text Block]

Seeks long-term growth of capital.

Portfolio Company Adviser [Text Block]

Pacific Life Fund Advisors LLC

Current Expenses [Percent]

0.83%

^[9]

Average Annual Total Returns, 5 Years [Percent]

5.91%

Portfolio Company Objective [Text Block]

Seeks long-term growth of capital.

Portfolio Company Adviser [Text Block]

Pacific Life Fund Advisors LLC

Current Expenses [Percent]

1.04%

^[9]

Average Annual Total Returns, 5 Years [Percent]

17.76%

Portfolio Company Objective [Text Block]

Seeks to maximize total return consistent with prudent investment management.

Portfolio Company Adviser [Text Block]

Pacific Life Fund Advisors LLC

Current Expenses [Percent]

0.92%

Average Annual Total Returns, 5 Years [Percent]

0.15%

Portfolio Company Objective [Text Block]

Seeks to provide long-term total return from a combination of income and capital gains.

Portfolio Company Adviser [Text Block]

Pacific Life Fund Advisors LLC

Current Expenses [Percent]

0.87%

^[9]

Average Annual Total Returns, 5 Years [Percent]

8.89%

Portfolio Company Objective [Text Block]

Seeks long-term growth of capital.

Portfolio Company Adviser [Text Block]

Pacific Life Fund Advisors LLC

Current Expenses [Percent]

0.86%

^[9]

Average Annual Total Returns, 5 Years [Percent]

5.17%

Portfolio Company Objective [Text Block]

Seeks high current income, consistent with preservation of capital, with capital appreciation as a secondary consideration.

Portfolio Company Adviser [Text Block]

Franklin Advisers, Inc.

Average Annual Total Returns, 1 Year [Percent]

(11.37%)

Average Annual Total Returns, 10 Years [Percent]

(2.03%)

Variable Option [Line Items]

Portfolio Company Name [Text Block]

VanEck VIP Global Resources Fund Class S

Current Expenses [Percent]

1.30%

Average Annual Total Returns, 5 Years [Percent]

7.28%

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

2.50%

Name of Benefit [Text Block]

CoreIncome Advantage Select (Joint)

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

2.50%

Name of Benefit [Text Block]

CoreIncome Advantage Select (Joint)

Item 4. Fee Table [Line Items]

Item 10. Benefits Available [Line Items]

Purpose of Benefit [Text Block]

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.

Brief Restrictions / Limitations [Text Block]

● 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.

Name of Benefit [Text Block]

DCA Plus

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

0.00%

Name of Benefit [Text Block]

DCA Plus

Item 10. Benefits Available [Line Items]

Purpose of Benefit [Text Block]

Provides a death benefit equal to the Net Contract Value.

Brief Restrictions / Limitations [Text Block]

● Poor investment performance will reduce the death benefit amount.

● Withdrawals will reduce the death benefit amount.

● This benefit terminates upon annuitization.

Name of Benefit [Text Block]

Dollar Cost Averaging

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

0.00%

Name of Benefit [Text Block]

Dollar Cost Averaging

Item 4. Fee Table [Line Items]

Item 10. Benefits Available [Line Items]

Purpose of Benefit [Text Block]

This benefit may enhance the death benefit, by adding an additional amount—equal to a percent of any Earnings as of the date of death—to the death benefit proceeds.

Brief Restrictions / Limitations [Text Block]

● Not available for Contracts issue in California.

● Available at Contract purchase and within 60 days of Contract Issue.

● Owner and Annuitant must be 75 years on the date of purchase.

● Withdrawals are first taken from Earnings in the Contract.

● The enhanced amount percentage applied is based on the age of the oldest Owner on the Rider Effective Date or effective date of certain Owner changes.

● There is no additional amount added if there are no Earnings on the Contract as of the date of death.

● An ownership change to an Owner who is older than 75 will terminate the rider.

● May not voluntarily terminate the rider.

● Benefit and benefit charges terminate upon annuitization or when the Contract Value is reducedto zero.

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

0.25%

Name of Benefit [Text Block]

Earning Enhancement Death Benefit (for California)

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

0.25%

Name of Benefit [Text Block]

Earning Enhancement Death Benefit (for California)

Item 4. Fee Table [Line Items]

Item 10. Benefits Available [Line Items]

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

2.75%

^[10]

Name of Benefit [Text Block]

Enhanced Income Select 2 (Joint)

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

2.75%

^[10]

Name of Benefit [Text Block]

Enhanced Income Select 2 (Joint)

Item 4. Fee Table [Line Items]

Item 10. Benefits Available [Line Items]

Purpose of Benefit [Text Block]

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.

Brief Restrictions / Limitations [Text Block]

● 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 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.

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

2.75%

^[10]

Name of Benefit [Text Block]

Future Income Generator (Joint)

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

2.75%

^[10]

Name of Benefit [Text Block]

Future Income Generator (Joint)

Item 4. Fee Table [Line Items]

Item 10. Benefits Available [Line Items]

Purpose of Benefit [Text Block]

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.

Brief Restrictions / Limitations [Text Block]

● 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.

● May not voluntarily terminate the rider.

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

● Benefit and benefit charges terminate upon annuitization.

Other Annual Expense (of Average Account Value), Current [Percent]

0.60%

Item 4. Fee Table [Line Items]

Name of Benefit [Text Block]

Portfolio Rebalancing

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

0.00%

Name of Benefit [Text Block]

Portfolio Rebalancing

Item 10. Benefits Available [Line Items]

Purpose of Benefit [Text Block]

Allows you to automatically take partial withdrawals from the Contract

Brief Restrictions / Limitations [Text Block]

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

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

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

● Only available prior to the Annuity Date.

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

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

0.10%

Name of Benefit [Text Block]

Return of Purchase Payments Death Benefit II

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

0.10%

Name of Benefit [Text Block]

Return of Purchase Payments Death Benefit II

Item 4. Fee Table [Line Items]

Item 10. Benefits Available [Line Items]

Purpose of Benefit [Text Block]

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

Brief Restrictions / Limitations [Text Block]

● Not available for Contracts issued in California.

● Available only at contract purchase.

● Must be 85 or younger on the Contract Date.

● Certain ownership changes may reduce benefits.

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

● May not voluntarily terminate the rider.

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

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

0.10%

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

0.10%

Item 4. Fee Table [Line Items]

Item 10. Benefits Available [Line Items]

Purpose of Benefit [Text Block]

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

Brief Restrictions / Limitations [Text Block]

● Only available for Contracts issued in California

● Available only at contract purchase.

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

● Step-ups stop on the Contract Anniversary prior to the oldest Annuitant reaching age 81.

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

● May not voluntarily terminate the rider.

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

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

0.40%

Name of Benefit [Text Block]

Stepped -Up Death Benefit

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

0.40%

Name of Benefit [Text Block]

Stepped -Up Death Benefit

Item 4. Fee Table [Line Items]

Item 10. Benefits Available [Line Items]

Risk [Text Block]

Is There a Risk of Loss from Poor Performance?

Yes. You can lose money by investing in the Contract, including 100% loss of principal and previous earnings.

Principal Risks of Investing in the Contract

Item 3. Key Information [Line Items]

Risk [Text Block]

What Are the Risks Associated with the Investment

An investment in this Contract is subject to the risk of poor investment performance and can vary depending on the performance of the Investment Options available under the Contract (e.g. Funds and fixed options).

Each Investment Option (including any fixed option) will have its own unique risks.

Principal Risks of Investing in the Contract

Options?

Any fixed option is not registered with the SEC.

You should review, working with your financial professional, the Investment Options before making an investment decision.

Appendix: Investment Options Available Under the Contract

Item 5. Principal Risks [Line Items]

Principal Risk [Text Block]

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 withdrawal charges and 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 59½ for the Future Income Generator (Single and Joint) and Enhanced Income Select (Single and Joint) riders (65 for CoreIncome Select Advantage (Single and Joint) riders) 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.

Item 5. Principal Risks [Line Items]

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 (including any fixed option), 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

Pacific Life and the Separate Account

Principal Risk [Text Block]

Insurance Company Risks

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

Item 5. Principal Risks [Line Items]

Principal Risk [Text Block]

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.

Item 5. Principal Risks [Line Items]