Supplement dated
The purpose of this supplement is to correct certain references to optional benefit charges. This supplement must be preceded or accompanied by the Initial Summary Prospectus, or Statutory Prospectus, as applicable, (collectively, the "Prospectuses") for your Contract, as supplemented Capitalized terms used in this supplement are defined in your Prospectus unless otherwise defined herein. "We'', "us'', or "our" refer to Pacific Life Insurance Company or Pacific Life & Annuity Company, as applicable; "you" or "your" refer to the Contract Owner. You can obtain a copy of the current Prospectus by contacting us at (800) 722-4448 or (800) 748-6907 for New York contracts, or online at PacificLife.com/Prospectuses. Please retain this supplement for future reference.
As of May 1, 2025, the following Guaranteed Minimum Withdrawal Benefit Maximum Charge in the Optional Benefit Expenses section of the Annual Contract Expenses table has been deleted and replaced with the following:
| Optional Benefit Expenses | |
| Guaranteed Minimum Withdrawal Benefit Maximum Charges (as a percentage of the Protected Payment Base)2 | |
| Portfolio Income Benefit2 |
2
As of May 1, 2025, the Annual Charge Percentage Table in the CHARGES, FEES AND ADJUSTMENTS section has been deleted and replaced with the following:
Annual Charge Percentage Table
| Optional Living Benefit Rider | Maximum Annual Charge Percentage Under the Rider | To determine the amount to be deducted, the Annual Charge Percentage1 is multiplied by the: | The Charge is deducted on each: |
| Portfolio Income Benefit | 2.50% | Protected Payment Base2 | Quarterly Rider Anniversary |
1 The quarterly charge is ¼ of the annual charge percentage multiplied by the Protected Payment Base.
2 The Protected Payment Base is defined in the Rider Terms subsection for each rider referenced above. See the OPTIONAL LIVING BENEFIT RIDERS section for each rider.
Form Nos. ODYADVSUPP0625
ODYADVNYSUPP0625