Enhance Your Financial Legacy Variable Annuity Death Benefits from Pacific Life

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1 Ehace Your Fiacial Legacy Variable Auity Death Beefits from Pacific Life 7/ B

2 As You Pla for Retiremet, Protect Your Loved Oes A Pacific Life variable auity ca offer three death beefits that provide importat guaratees. If you pass away before covertig the cotract to guarateed retiremet icome paymets, our death beefits ca: Protect the amout of your origial ivestmet. Lock i ivestmet gais. Help offset the impact of taxes. Part of ay prudet retiremet strategy is plaig for the uexpected, ad takig care of the people you care for. The guaratees your beeficiaries receive will deped o the Pacific Life death beefit you choose. Talk with your fiacial advisor. The, select the beefit that best meets your eeds. A variable auity is a log-term cotract betwee you ad a isurace compay that helps you grow, protect, ad maage retiremet savigs i a tax-advataged way. It ca help you: Grow retiremet savigs faster through the power of tax deferral. Maage your ivestmet strategy by trasferrig amog a diverse selectio of ivestmet optios free of tax cosequeces. Covert your assets to guarateed lifetime retiremet icome. Leave a fiacial legacy through a guarateed death beefit. Our variable auities also offer features such as asset allocatio ad pricipal protectio. Optioal beefits are available for a additioal cost. The Pacific Life death beefits will be calculated o the Notice Date, which is the day we receive, i proper form, proof of death ad istructios regardig paymet of death beefit proceeds. Guaratees, icludig optioal beefits, are subject to Pacific Life s fiacial stregth ad claims-payig ability ad do ot protect the value of the variable ivestmet optios, which are subject to market risk. The value of the variable ivestmet optios will fluctuate ad, whe redeemed, may be worth more or less tha the origial cost. Auity withdrawals ad other distributios of taxable amouts, icludig death beefit payouts, will be subject to ordiary icome tax. For oqualified cotracts, a additioal 3.8% federal tax may apply o et ivestmet icome. If withdrawals ad other distributios are take prior to age 59½, a additioal 10% federal tax may apply. A withdrawal charge also may apply. Withdrawals will reduce the cotract value ad the value of the death beefits, ad also may reduce the value of ay optioal beefits.

3 Protect the Amout of Your Origial Ivestmet Stadard Death Beefit Beeficiaries will receive the greater of the cotract value or total purchase paymets adjusted for each withdrawal. The adjustmets are proportioate ad may be more or less tha the actual amout withdraw. This beefit is offered as part of the auity cotract for o additioal cost. For all variable auities except Pacific Choice, if the ower is ot a auitat ad the ower dies prior to auitizatio, the death beefit amout will equal the cotract value. Whe the market is up, the beeficiary receives the cotract value. Whe the market is up, the beeficiary receives the cotract value. Whe the market is dow, the beeficiary receives total purchase paymets Whe the adjusted market for is dow, the beeficiary receives each total withdrawal. purchase paymets adjusted for each withdrawal. Hypothetical cotract value Hypothetical cotract value Total purchase paymets Total purchase paymets 1 year 1 year This hypothetical example does ot reflect a specific ivestmet. The example assumes o additioal purchase paymets or withdrawals. Withdrawal charges, mortality ad expese risk charges, admiistrative fees, ad other cotract charges were ot factored ito this example. Values would be sigificatly lower if these fees ad charges had bee icluded. Please see prospectus for more iformatio. Isurace products are issued by Pacific Life Isurace Compay i all states except New York ad i New York by Pacific Life & Auity Compay. Product availability ad features may vary by state. No bak guaratee Not a deposit May lose value Not FDIC/NCUA isured Not isured by ay federal govermet agecy

4 Lock I Ivestmet Gais Optioal Stepped-Up Death Beefit Beeficiaries will receive the greater of the highest cotract value o ay previous cotract aiversary prior to the cotract ower s or auitat s* 81 st birthday, or the Stadard Death Beefit amout. The death beefit amout is icreased for additioal purchase paymets ad decreased by a adjustmet for withdrawals. The adjustmet is proportioate ad may be more or less tha the actual amout withdraw. Cotract owers ad auitats must be age 75 or youger. This optio is offered at the time you purchase the auity for a additioal aual fee of 0.20% of the cotract value (deducted daily). * Cotract structure for owers ad auitats may vary betwee variable auity products. For all variable auities except Pacific Choice, if the ower is ot a auitat ad the ower dies prior to auitizatio, the death beefit amout will equal the cotract value. See the prospectus for more iformatio. Whe the market is up, the Stepped-Up Death Beefit locks i ay Whe ivestmet the market gai. is up, the Stepped-Up Death Beefit locks i ay ivestmet gai. Whe the market is dow, the value of your death beefit retais Whe the stepped-up market is dow, value. the value of your death beefit retais the stepped-up value. Hypothetical Hypothetical cotract cotract value value Stepped-Up Death Death Beefit Beefit value value Step-up Step-up 1 year year This hypothetical example does ot reflect a specific ivestmet. It assumes o additioal purchase paymets or withdrawals. Withdrawal charges, mortality ad expese risk charges, admiistrative fees, ad other cotract charges were ot factored i. Values would be sigificatly lower if these fees ad charges had bee icluded. A step-up may ot apply, depedig o the performace of the cotract over time. Although step-ups cease o the cotract aiversary prior to the ower's or auitat s 81 st birthday, aual charges apply as log as the Stepped-Up Death Beefit is i effect. See the prospectus for more iformatio. ADDITIONAL FEATURES FOR ALL DEATH BENEFIT OPTIONS Spousal Cotiuatio Whe a married couple ows a variable auity ad oe spouse passes away, the survivig spouse, as sole beeficiary, ca elect to cotiue the cotract as the sole ower ad auitat rather tha cashig out the auity death proceeds. The cotract cotiues at the higher of the cotract value or death beefit amout. Predetermied Beeficiary Payout Optio The ower may desigate that the beeficiary will receive death beefit proceeds through auity paymets for life or life with period certai. Note that owership chages may adversely affect the death beefit amouts. See the prospectus for more iformatio.

5 Help Offset the Impact of Taxes Optioal Earigs Ehacemet Death Beefit (EEDB) A additioal percetage of earigs is added to the death beefit amout. 0% of earigs (owers/auitats ages 0 69 at issue). 25% of earigs (owers/auitats ages at issue). Earigs are equal to the cotract value o the date of death mius the remaiig purchase paymets. There is o limit to total earigs. This beefit is offered for a additioal aual fee of 0.25% of the cotract value (deducted aually) if the cotract ower ad auitat* are age 75 or youger at cotract issue. * Cotract structure for owers ad auitats may vary betwee variable auity products. For all variable auities except Pacific Choice, if the ower is ot a auitat ad the ower dies prior to auitizatio, the death beefit amout will equal the cotract value. See the prospectus for more iformatio. HYPOTHETICAL EXAMPLES: These scearios start with a purchase paymet of $500,000 ad a ower/auitat age 0 69 at cotract issue. Each example assumes o withdrawals have bee take. WITH STANDARD DEATH BENEFIT WITH STEPPED-UP DEATH BENEFIT : $500,000 : $500,000 At time of death: At time of death: Accout Value: $1,000,000 Earigs: $500,000 EEDB Amout: $500,000 x 0% = $200,000 Stepped-Up Death Beefit Amout: $1,500,000 Accout Value: $1,000,000 Earigs: $500,000 EEDB Amout: $500,000 x 0% = $200,000 To Beeficiaries: $1,000,000 + $200,000 = $1,200,000 To Beeficiaries: $1,500,000 + $200,000 = $1,700,000 If you purchase this optioal beefit, a aual charge will be deducted from your cotract value o each cotract aiversary. The cotract must have growth i excess of the remaiig purchase paymets i order for EEDB to be applicable. If there are o earigs i the cotract, o beefit will be paid ad you will have icurred the charge but ot received a beefit. The EEDB amout is treated as earigs ad may be taxable. I additio, the EEDB amout may affect the beeficiary s adjusted gross icome ad margial icome-tax bracket. Withdrawals from the cotract will reduce ay earigs ad decrease the EEDB amout. EEDB is ot available i Califoria or New York.

6 Help build your future ad protect those you love. Talk to your fiacial advisor ad select the Pacific Life death beefit that best meets your eeds. This material is ot iteded to be used, or ca it be used by ay taxpayer, for the purpose of avoidig U.S. federal, state, or local tax pealties. This material is writte to support the promotio or marketig of the trasactio(s) or matter(s) addressed by this material. Pacific Life, its affiliates, their distributors, ad respective represetatives do ot provide tax, accoutig, or legal advice. Ay taxpayer should seek advice based o the taxpayer s particular circumstaces from a idepedet tax advisor or attorey. This material must be preceded or accompaied by the product prospectus. Cotact your fiacial advisor or visit for more iformatio, icludig product ad uderlyig fud prospectuses that cotai more complete iformatio about Pacific Life ad a variable auity s risks, charges, limitatios, ad expeses, as well as the risks, charges, expeses, ad ivestmet goals of the uderlyig ivestmet optios. Read them carefully before ivestig. IRAs ad qualified plas such as 01(k)s ad 03(b)s are already tax-deferred. Therefore, a deferred auity should be used oly to fud a IRA or qualified pla to beefit from the auity s features other tha tax deferral. These iclude lifetime icome, death beefit optios, ad the ability to trasfer amog ivestmet optios without sales or withdrawal charges. For products that offer credit ehacemets, credit ehacemets will be reversed if the cotract is cacelled durig the free-look period or if the auitat or ower dies i the 12 moths after the credit ehacemet is give (whichever triggers the payout of death beefit proceeds). Pacific Life refers to Pacific Life Isurace Compay ad its affiliates, icludig Pacific Life & Auity Compay. Isurace products are issued by Pacific Life Isurace Compay i all states except New York ad i New York by Pacific Life & Auity Compay. Product availability ad features may vary by state. Each isurace compay is solely resposible for the fiacial obligatios accruig uder the products it issues. Isurace product ad rider guaratees, icludig optioal beefits ad ay fixed subaccout creditig rates or auity payout rates, are backed by the fiacial stregth ad claims-payig ability of the issuig isurace compay ad do ot protect the value of the variable ivestmet optios. They are ot backed by the broker/dealer from which this auity is purchased, by the isurace agecy from which this auity is purchased, or ay affiliates of those etities, ad oe makes ay represetatios or guaratees regardig the claims-payig ability of the issuig isurace compay. Variable isurace products are distributed by Pacific Select Distributors, LLC (member FINRA & SIPC), a subsidiary of Pacific Life Isurace Compay (Newport Beach, CA) ad a affiliate of Pacific Life & Auity Compay, ad are available through licesed third-party broker/dealers. Not all products or riders are available at all broker/dealer firms. Cotract Form Series: , ICC12: , , , ICC12: , , , ICC11: , OR, , , OR, NY-1, , , Rider Series: , ICC12:20-126, , , , , ICC1: , , ICC1: B Mailig addresses: Pacific Life Isurace Compay P.O. Box 2378 Omaha, NE (800) I New York, Pacific Life & Auity Compay P.O. Box 2829 Omaha, NE (800)

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