Your Life Insurance Policy. A Valuable Asset MKTG-OC-974

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1 Your Life Insurance Policy A Valuable Asset MKTG-OC-974

2 Your Life Insurance Working for You Thank you for selecting Pacific Life for your life insurance needs. Life insurance helps protect your family or business from the financial impact of an untimely death. Because you chose a cash value life insurance product, you have the opportunity to build equity in your policy as you pay your premiums. This equity, in the form of the policy s cash value, can potentially grow over the years into an important asset in your overall financial portfolio. The powerful combination of death benefit and potential equity in your life insurance policy can help you secure: O Your retirement O Your business O Your legacy Investment and Insurance Products: Not a Deposit Not FDIC Insured Not Insured by any Federal Government Agency No Bank Guarantee May Lose Value

3 A Steady Eye on Your Future The cash value you potentially build in your life insurance policy can help you respond to an unexpected need for cash through policy loans and withdrawals. 1 While your life insurance should not be your first choice for securing liquid funds, it can be an additional resource should the need arise. Be sure to consult with your life insurance professional to determine the impact of withdrawals and loans on your policy and your long-term goals. When Life Changes Even when your plans change, your life takes an unexpected turn, or your policy is not performing as expected, your Pacific Life policy can still play an important role in achieving your financial goals. Talk to your life insurance professional when you are considering making changes in your planned premium payments or your death benefit coverage. Your life insurance professional can talk with you about your policy and any features that might help you through difficult times. Because your life insurance policy is such a valuable and important asset in your financial portfolio, you should understand all of your options for retaining your policy. 1 Any policy withdrawals, loans and loan interest will reduce policy values and may reduce benefits.

4 Keeping Your Course Wherever you are headed, you and your life insurance professional created a plan so your life insurance policy could help you reach your goals. When you have questions or concerns, you should first contact the professional who sold you the policy. You may also contact Pacific Life s customer service at (800) during normal business hours. For information anytime, you can use a variety of tools on the policyowner web site available through My Life Account at PacificLife.com. Once you register, you can: e Sign up for electronic fund transfer (EFT) to make your planned premium payments automatically e Check your policy value e Review policy statements e Change beneficiaries

5 The Power to Help You Succeed The Long-Term View The day you purchased your life insurance policy from Pacific Life marked the beginning of a long-term relationship between you, your life insurance professional, and the many people who are Pacific Life. Part of your policy s value can be defined by our commitment to: e Maintain a stable investment philosophy that helps create a financially sound and growing company e Treat you fairly by passing through savings and policy improvements e Respond to your needs through online service and direct lines of communication Pacific Life is part of a mutual-holding company so you and your policy are our top priorities because we answer to you, the policyowner. Rely on our strength to help you reach your financial destination.

6 Pacific Life Insurance Company Newport Beach, CA (800) Pacific Life & Annuity Company Newport Beach, CA (888) Pacific Life refers to Pacific Life Insurance Company, and its affiliates, including Pacific Life & Annuity Company. Insurance products are issued by Pacific Life Insurance Company in all states except New York, and in New York by Pacific Life & Annuity Company. Product availability and features may vary by state. Each company is solely responsible for the financial obligations accruing under the products it issues. Product and rider guarantees are backed by the financial strength and claims paying ability of the issuing company and do not protect the value of the variable investment options. Variable insurance products are distributed by Pacific Select Distributors, Inc. (member FINRA & SIPC), a subsidiary of Pacific Life Insurance Company, and are available through licensed third party broker-dealers. Insurance Professional s Name State Insurance License Number (or affix your business card) MKTG-OC /10