Pacific PRIME IUL Flexible Premium Indexed Universal Life Insurance

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1 Pacific PRIME IUL Flexible Premium Indexed Universal Life Insurance Balance Life Insurance Protection with Growth Potential Pacific Life Insurance Company PPIUL-1B

2 page 1 Pacific PRIME IUL Balance Protection with Growth Potential Market surges can be exhilarating but market drops can potentially erase years of hard-earned savings. Now you can help protect your family and capture growth potential with guarantees in one dynamic product: Pacific PRIME IUL * indexed universal life insurance. Pacific PRIME IUL Benefits Protect your family with a tax-free death benefit. Grow your policy s cash value with current crediting rates based in part on the performance of some of the world s most prominent stock market indexes. * Help prevent market-based losses in the policy s indexed accounts with guaranteed minimum crediting rates. Help supplement your income with tax-free policy loans and withdrawals. Choose to guarantee your death benefit up to a lifetime, regardless of policy performance. 1,2 Endnotes on page 8. Investment and Insurance Products: Not a Deposit Not Insured by any Federal Government Agency Not FDIC Insured No Bank Guarantee May Lose Value * Pacific PRIME IUL (Policy Form #P11P1I or ICC11 P11P1I form # based on state in which policy is issued) is referred to as indexed adjustable life insurance in the contract. This policy does not directly participate in any stock or equity investments. All indexes exclude dividends. For federal income tax purposes, life insurance death benefits generally pay income tax-free to beneficiaries pursuant to IRC Section 101(a)(1). In certain situations, however, life insurance death benefits may be partially or wholly taxable. Situations include, but are not limited to: the transfer of a life insurance policy for valuable consideration unless the transfer qualifies for an exception under IRC Section 101(a)(2) (i.e. the transfer-forvalue rule); arrangements that lack an insurable interest based on state law; and an employer-owned policy unless the policy qualifies for an exception under IRC Section 101(j). Tax-free income assumes, among other things: (1) withdrawals do not exceed tax basis (generally, premiums paid less prior withdrawals); (2) policy remains in force until death; (3) withdrawals taken during the first 15 policy years do not occur at the time of, or during the two years prior to, any reduction in benefits; and (4) the policy does not become a modified endowment contract. See IRC Sections 72, 7702(f)(7)(B), 7702A. Any policy withdrawals, loans, and loan interest will reduce policy values and may reduce benefits.

3 page 2 Global Range of Indexed Choices 3 U.S. potential of S&P 500 index, excluding dividends International potential of 1-Year International Indexed Account 4 S&P 500 index 5 Considered the premier benchmark of U.S. stock market performance, this index measures 500 leading American companies that collectively represent roughly 75% of U.S. stock market capitalization. 3 EURO STOXX 50 Index 6 Measures the performance of 50 blue-chip stocks from 12 Eurozone countries, like Germany, France, and Finland. Hang Seng Index 7 Measures the performance of approximately 40 of Hong Kong s largest, most liquid companies. MSCI Emerging Markets SM Index 8 The growth in emerging markets is expected to be nearly three times that of developing countries over the next 5 years. 9 This index measures the equity performance of companies domiciled in 21 emerging markets countries. Plus, the Security of a Fixed Account 2% guaranteed minimum annual interest rate Current rate may be higher Current rate guaranteed for first 12 months Find Your Balance of Indexed Opportunity in Pacific PRIME IUL

4 page 3 Power of Indexed Interest Crediting Choose to allocate your premiums to any combination of three indexed accounts and a fixed account. The fixed account has a minimum guaranteed rate of 2% annually, but may credit a rate greater than the guaranteed rate. The indexed accounts credit interest based in part on the performance of index(es), up to current Growth Caps, but not below a Guaranteed Minimum Rate (floor). The indexed accounts do not participate in any stock or equity investments to provide their growth potential with guarantees. Allocate for Global Indexed Potential Maturing Value of Indexed Segment Your Premium Dollars (less premium load) Fixed Account (less policy charges) Choice of 3 Indexed Accounts (less policy charges) + Indexed Interest Credited at End of 12 Months Here are the basic steps: 1 Each premium you pay is reduced by a premium load then applied into the fixed account. 2 You may choose to leave the net premium in the fixed account. If you do so, your policy will perform like a typical universal life insurance policy, guaranteed to earn at least 2% annually. 3 For greater growth potential, you may also allocate from the fixed account to your choice of three indexed accounts as frequently as on the 15 th of each month Each transfer from the fixed account to an indexed account creates a separate 1-Year Indexed Segment (Segment). 5 Twelve months from the transfer date, the Segment reaches maturity. It is credited any interest due and becomes available to reallocate to your choice of Pacific PRIME IUL s accounts. If you haven t filed any new transfer instructions with us, the value of the maturing Segment, plus its interest, will roll over into the same indexed account as a new Segment. Policy Charges The cost of the life insurance and benefits provided through the policy is deducted monthly in the form of policy charges, which include an Administrative Charge, Coverage Charge, Cost of Insurance Charge, and any applicable rider charges. Additionally, a premium load is deducted from each premium payment. To understand how the policy charges will affect your policy s cash value, request a personalized illustration that includes the Breakout of Charges report.

5 page 4 Market-Based Growth Potential, Security of Guarantees Four Choices for Growth Potential Pacific PRIME IUL Accounts 1-Year International Indexed 4 Index (excluding dividends) Composite (1/3 each): Hang Seng EURO STOXX 50 MSCI Emerging Markets Current Growth Cap (Cap) 12% 1-Year Indexed S&P % 1-Year High Par Indexed 4 S&P % Fixed N/A Crediting rate declared by Pacific Life Insurance Company N/A Current Crediting Rate Considerations Credits the average of 3 international indexes after each is separately applied to 12% Cap and 0% guaranteed floor. ** Credits 1-year change in S&P 500 up to 12% Cap; 0% guaranteed floor. ** Credits 150% of S&P 500 index s 1-year gain, not to exceed 11% Cap. 0% guaranteed floor. Earns current declared rate, guaranteed to not be less than 2% annually. ** Guaranteed: 100% participation rate, 3% minimum growth cap, 0% floor. Guaranteed: 140% participation rate (150% current), 2% minimum growth cap, 0% floor. 2% Interest Guarantee Regardless of how you allocate your net premiums, you are guaranteed an alternate accumulated value that, if higher than your policy s actual cash value, may help stave off policy lapse or may increase the amount available upon a policy surrender or death benefit payout. The alternate accumulated value is calculated using current policy charges and earns 2% annual interest from the date of issue. See your policy for details.

6 page 5 Protect Your Policy s Death Benefit Up to a Lifetime Pacific PRIME IUL offers an optional guarantee to help keep your policy in-force for any duration of your choosing up to a lifetime even if your policy s cash value drops to zero. No-Lapse Guarantee Rider 1 Guarantees that your policy will stay in force for the duration you choose up to the insured s lifetime, no matter how your policy performs. 2 Optional rider that is available at policy issue, for an additional charge, and must be elected at policy application. Choose your duration and pay your premiums as planned. It s that easy. Keep in mind, that if policy loans or withdrawals are taken, additional premiums may be required to keep the no-lapse guarantee in force. Longer no-lapse guarantee periods require higher premiums as shown in the hypothetical chart below. You Choose Your No-Lapse Guarantee Duration Examples of No-Lapse Guarantee Durations Lifetime To Age 110 To Age 105 To Age 100 To Age 95 Lower Premiums Higher

7 page 6 Tailor Your Protection for Your Ongoing Needs Choose a death benefit amount based on your current needs. If your needs later change, you may decrease your coverage within policy limits, after the first policy year. You may also switch between the following Death Benefit Options as often as yearly, subject to policy limits: A (Level) Death benefit equals the policy s Face Amount. B (Increasing) Death benefit equals the policy s Face Amount plus the cash value. C (Return of Premium) Death benefit equals the policy s Face Amount plus all premiums paid, less any policy withdrawals. 11 Optional Benefits Pacific PRIME IUL offers the following optional benefits, called riders, 1 to help enhance your policy. Annual Renewable Term Rider Additional Insured Rider (Form #R08RTA) Allows policyowner to add annually renewable term life coverage on any member of the primary insured s immediate family to the policy. Waiver of Charges Rider (Form #R84-WC) Helps keep death benefit coverage in place by waiving all policy charges if the primary insured is diagnosed with a total disability prior to age 60. This rider s benefit takes effect after a three-month qualifying period. Terminal Illness Rider 12 Allows the policyowner to accelerate a portion of the death benefit if the insured is diagnosed as terminally ill (12 months or fewer to live). Benefit will be a lump sum payment up to $250,000.

8 page 7 Supplement Your Income Potential Your policy s cash value will grow tax-deferred. You can help supplement your income through tax-free withdrawals and loans from your policy s cash value. Withdrawals Tax-free amounts up to sum of premiums paid. Available after first year. $25 fee for each withdrawal (currently waived). Minimum Amount: $200. Maximum Amount: Cash surrender value minus outstanding loan balance minus $500. Generally tax-free. Loans Minimum Amount: $200 (in most states). Maximum Amount: Cash surrender value minus outstanding loan balance minus three times the monthly deductions for policy charges. Loan interest rate charged is offset by interest rate credited for 0% net-cost loans in or after policy years 6 (current): Policy Year Annual Interest Charged Annual Interest Credited Annual Net-Cost All (guaranteed) 2.25% 2.00% 0.25% 6+ (current) 2.25% 2.25% 0.00% Tools to Help Automated Income Option Use this optional service to help structure a recurring income stream from policy loans and withdrawals. Eligibility restrictions apply. Overloan Protection II Rider (Form #R08OLP) 1,13 If you plan on taking policy loans, this optional rider can help you protect against policy lapse in later years, after you have stopped taking tax-free loans. There are eligibility requirements both to qualify for and exercise the rider and a one-time charge applies to exercise. Request the rider and see your illustration for details. Tax-free income assumes, among other things: (1) withdrawals do not exceed tax basis (generally, premiums paid less prior withdrawals); (2) policy remains in force until death; (3) withdrawals taken during the first 15 policy years do not occur at the time of, or during the two years prior to, any reduction in benefits; and (4) the policy does not become a modified endowment contract. See IRC Sections 72, 7702(f)(7)(B), 7702A. Any policy withdrawals, loans and loan interest will reduce policy values and may reduce benefits.

9 page 8 Indexed Universal Life Insurance generally requires additional premium payments after the initial premium. If either no premiums are paid, or subsequent premiums are insufficient to continue coverage, it is possible that coverage will expire. Endnotes 1 Riders will likely incur additional charges and are subject to availability, restrictions, and limitations. When considering a rider, request a policy illustration from your life insurance producer to see the rider s impact on your policy s values. 2 The Lifetime No-Lapse Guarantee Rider (Form #R03FNL or ICC11 R03FNL form # based on state in which policy is issued) depending on how you structure your policy, has a maximum duration of the insured s lifetime, subject to certain limits. If your net no-lapse guarantee value is zero, the no-lapse feature terminates. If the no-lapse feature terminates, additional premiums would be required to resume the no-lapse guarantee. If policy performance is such that your policy is being maintained solely by the no-lapse guarantee, your policy will not build cash value. If policy loans or withdrawals are taken, additional premiums may be required to keep the no-lapse guarantee in force. 3 Based on index fact sheets retrieved from standardandpoors.com, hsi.com.hk, stoxx.com, and mscibarra.com Feb Contract names for following indexed accounts: 1-Year International (1 Year Indexed Account 2); 1-Year High Par (1 Year Indexed Account 3). 5 S&P, Standard & Poor s, and S&P 500 are registered trademarks of Standard & Poor s Financial Services LLC ( S&P ) and Dow Jones is a registered trademark of Dow Jones Trademark Holdings LLC ( Dow Jones ). These trademarks have been licensed for use by S&P Dow Jones Indices LLC and have been sublicensed for certain purposes by Pacific Life Insurance Company ( Licensee ). The S&P 500 index has been licensed for use by Licensee. The life insurance product is not sponsored, endorsed, sold, or promoted by S&P Dow Jones Indices LLC, Dow Jones, S&P, or their respective affiliates. None of these parties make any representation regarding the advisability of investing in such Product. 6 The EURO STOXX 50 is the intellectual property (including registered trademarks) of STOXX Limited, Zurich, Switzerland and/or its licensors ( Licensors ), which is used under license. The Product that includes the Index is in no way sponsored, endorsed, sold or promoted by STOXX and its Licensors and neither of the Licensors shall have any liability with respect thereto. 7 Hang Seng Indexes Company Limited ( HSIL ) and Hang Seng Data Services Limited ( HSDS ) have licensed Pacific Life Insurance Company to use the Hang Seng Index in connection with this life insurance product. This product and its 1-Year International Indexed Account are not sponsored, endorsed, sold or promoted by HSIL or HSDS. HSIL and HSDS make no representation regarding the advisability of purchasing a life insurance product. Please read the disclaimer in relation to the Hang Seng Index in the policy illustration. For more information about the Hang Seng Index, please visit 8 The Product and its 1-Year International Indexed Account referred to herein is not sponsored, endorsed, or promoted by MSCI, and MSCI bears no liability with respect to any such Product and any included index. The Policy Contract contains a more detailed description of the limited relationship MSCI has with Pacific Life Insurance Company and any related Product. 9 International Monetary Fund (IMF) World Economic Outlook, October Transfers are allowed from the Fixed Account to the Indexed Accounts as frequently as monthly on a current basis. Once every three months guaranteed. In order to process a transfer, Pacific Life Insurance Company must receive your transfer instructions and funds must be available in the Fixed Account at least 2 business days prior to the 15th of the requested month. 11 The maximum issue age for Death Benefit Option C is 80. The maximum Death Benefit calculated will not exceed the amount shown in the Policy Specifications as the Option C Death Benefit Limit except as described in the Death Benefit Qualification Test, Tax Qualification as Life Insurance, and Modified Endowment Contract Tax Status sections of the Policy. 12 In California, the Terminal Illness Rider (Form #R12TII or ICC12 R12TI form # based on state in which policy is issued) is an Accelerated Death Benefit Rider for Terminal Illness. In all other states, the Terminal Illness Rider is a standard feature of the policy. Benefits paid by accelerating the policy s death benefit may or may not qualify for favorable tax treatment under Section 101(g) of the Internal Revenue Code of Tax treatment of an accelerated death benefit may depend on factors such as life expectancy at the time benefits are accelerated, the amount of benefits, the amount of qualified expenses incurred, or if similar benefits are being received under other contracts. Tax laws relating to accelerated death benefits are complex. Receipt of accelerated death benefits may affect eligibility for public assistance programs such as Medicaid. Clients are advised to consult with qualified and independent legal and tax advisors for more information. There is no up-front cost or monthly rider charge. The cost of exercising the rider is that the death benefit is reduced by an amount greater than the rider benefit payment itself to reflect the early payment of the death benefit. Rider benefit payments will reduce the death benefit, cash surrender value, and any policy debt. Additionally, rider benefit payments may adversely affect the benefits under other riders. 13 The potential tax consequences of the Overloan Protection II Rider have not specifically been ruled on by the IRS or courts. You should consult your tax advisor for more information.

10 page 9 Pacific Life The Power to Help You Succeed Offering insurance since 1868, Pacific Life provides a wide range of life insurance products, annuities, and mutual funds, and offers a variety of investment products and services to individuals, businesses, and pension plans. Pacific Life also counts more than half of the 100 largest U.S. companies as its clients. For additional company information, including current financial strength ratings, visit Pacific Life online at Pacific Life refers to Pacific Life Insurance Company and its affiliates, including Pacific Life & Annuity Company. Client count as of May 2013 is compiled by Pacific Life using the 2013 FORTUNE 500 list.

11

12 This material is not intended to be used, nor can it be used by any taxpayer, for the purpose of avoiding U.S. federal, state or local tax penalties. This material is written to support the promotion or marketing of the transaction(s) or matter(s) addressed by this material. Pacific Life Insurance Company, its distributors and their respective representatives do not provide tax, accounting or legal advice. Any taxpayer should seek advice based on the taxpayer s particular circumstances from an independent tax advisor. Pacific Life Insurance Company Newport Beach, CA (800) Pacific Life Insurance Company is licensed to issue insurance products in all states except New York. Product availability and features may vary by state. Insurance products and their guarantees, including optional benefits and any fixed subaccount crediting rates, are backed by the financial strength and claims-paying ability of the issuing insurance company. Look to the strength of the life insurance company with regard to such guarantees as these guarantees are not backed by the broker-dealer, insurance agency or their affiliates from which products are purchased. Neither these entities nor their representatives make any representation or assurance regarding the claims-paying ability of the life insurance company. Non-guaranteed elements are not guaranteed by definition. As such, Pacific Life Insurance Company reserves the right to change or modify any non-guaranteed element. This right to change non-guaranteed elements is not limited to a specific time or reason. Pacific Life Insurance Company s individual life insurance products are marketed exclusively through independent third-party life insurance producers, which may include bank affiliated entities. Some of these selling entities may limit availability of some optional riders based on their client s age and other factors. Your life insurance producer can help you determine which optional riders are available and appropriate for you. PPIUL-1B /14

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