AN INTRODUCTION TO PACIFIC LIFE THE VALUES THAT DEFINE US

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1 AN INTRODUCTION TO PACIFIC LIFE THE VALUES THAT DEFINE US PEOPLE ACCOUNTABILITY CUSTOMER FOCUS INTEGRITY FINANCIAL STRENGTH INNOVATION COMMUNITY

2 2013 FINANCIAL SUMMARY Pacific Mutual Holding Company DOLLARS IN MILLIONS December 31, 2013 Company Assets $ 129,921 Policyholder & Other Liabilities $ 120,948 Equity 1 $ 8,132 Operating Revenues 2 $ 7,521 Operating Income 3 $ Excludes accumulated other comprehensive income and noncontrolling interest. 2 Excludes net realized investment gain (loss) (NRIGL) and other than temporary impairments (OTTI). 3 Excludes NRIGL (net of an estimate of related amortization of deferred policy acquisition costs (DAC) for variable annuity products), adjustments to variable annuity DAC resulting from true-ups, assumption unlockings and modeling refinements, OTTI, and discontinued operations, net of taxes Highlights > Total consolidated assets of Pacific Mutual Holding Company reached $129.9 billion. > Net income increased to $720 million, compared to $460 million in > Equity of Pacific Mutual Holding Company reached $8.1 billion, compared to $7.4 billion in > Life Insurance Division sales were $290 million, an 8 percent increase over > Retirement Solutions Division sales were $9.9 billion, a 23 percent increase over > Revenues in Aviation Capital Group were $765 million, a 12 percent increase over > Pacific Life Re generated net income of $100 million, compared to $72 million in A MESSAGE FROM THE CHAIRMAN Throughout Pacific Life s history, we have been defined by our people and our purpose. In 1868, our founders launched a California-based life insurance company. Our experience and evolution, spanning nearly 150 years, have provided us with a strong foundation of integrity and financial strength. As a mutual company, we make decisions based on what is best for our policyholders, and we continue to focus on our long-term vision, not shortterm gains. These values, along with innovation and focus, help us to provide security and prosperity to our customers and to maintain our reputation as a leader in our industry. People. Accountability. Customer Focus. Integrity. Financial Strength. Innovation. Community. Pacific Life s values represent what is most important to us, what is essential to our success, and what makes Pacific Life a unique organization. These values guide how we behave and make decisions. We understand that you have a choice when choosing a company to protect your financial future. For generations, we have dedicated ourselves to meeting the needs of our customers, giving them the power to help them succeed. James T. Morris Chairman and Chief Executive Officer PEOPLE ACCOUNTABILITY CUSTOMER FOCUS INTEGRITY FINANCIAL STRENGTH INNOVATION COMMUNITY

3 PACIFIC LIFE AT A GLANCE LIFE INSURANCE The Life Insurance Division offers solutions to individuals, families, and businesses to help them reach their goals for financial protection, wealth accumulation, and wealth preservation through life insurance coverage. They work with leading financial and insurance professionals to provide high-quality products and services for the diverse and evolving needs of their clients. Principal Products > Universal life insurance > Variable universal life insurance > Indexed universal life insurance > Interest-sensitive whole life insurance > Joint and last survivor life insurance > Term life insurance RETIREMENT SOLUTIONS The Retirement Solutions Division offers a broad and diversified range of products and solutions designed to help individuals and families achieve asset growth, sustainable retirement income, and long-term financial independence. The Retirement Solutions Division also helps businesses manage and fulfill their long-term retirement plan commitments to employees. INVESTMENT MANAGEMENT The Investment Management team supports the Pacific Life family of companies by focusing on investment strategies that stand the test of time and provide attractive risk-adjusted returns. They have demonstrated expertise in investment-grade and high-yield public bonds, private placements, emerging market debt, residential mortgage-backed securities, and hedging strategies. Principal Products > Fixed annuities > Variable annuities > Mutual funds > Small business 401(k) programs > Individual (k) programs > Structured settlement annuities > Single-premium group annuity contracts Principal Investments & Services > Public corporate bonds > Private placements > Residential mortgage-backed securities > Hedging strategies REAL ESTATE INVESTMENTS The Real Estate Investments team supports Pacific Life s businesses with high-quality commercial real estate investments and an asset management capability that is also offered to third-party investors. They manage a diverse portfolio that includes direct mortgage loan originations, real estate-related debt securities, and private real estate equity investments that may be shared with select partners or funds. Principal Investments & Services > Mortgage loans on commercial properties, including apartments > Real estate-related debt securities > Real estate properties > Asset management and loan servicing

4 PACIFIC LIFE SUBSIDIARIES AT A GLANCE AVIATION CAPITAL GROUP Aviation Capital Group (ACG) is proud to celebrate 25 years as an aviation industry leader. With a platform of 261 commercial jet aircraft leased to 90 airlines in over 40 countries, ACG has established itself as a trusted fleet strategy solution provider to the world s airlines. ACG also provides aircraft asset management and advisory services to lenders and institutional investors. > Operating lease of commercial jets to airlines worldwide > Aircraft asset management for institutional investors > Commercial jet aircraft trading PACIFIC LIFE RE Pacific Life Re offers a comprehensive range of wholesale life risk management products and services in the United Kingdom, Ireland, Asia, and North America. Based in London, Pacific Life Re specializes in risk and capital management of life assurance, critical illness, income protection, and annuity businesses. > Reinsurance of life assurance, critical illness, and income protection businesses > Reinsurance of annuity and longevity risk > Life insurance retrocession > Associated reinsurance services and technical support PACIFIC ASSET MANAGEMENT Pacific Asset Management 1 (PAM) provides investment management solutions to institutional and retail investors. As a registered investment adviser specializing in fixed income management with a focus on corporate debt, PAM manages portfolios across various investment strategies, including floating-rate loans, high-yield bonds, investment-grade bonds, core plus, strategic credit, and short duration. > Fixed income investment management > Subadvisory investment management > Institutional separate accounts 1 Pacific Asset Management is a division of Pacific Life Fund Advisors LLC, an SEC registered investment adviser and wholly owned subsidiary of Pacific Life Insurance Company. PACIFIC GLOBAL ADVISORS Pacific Global Advisors (PGA) specializes in customized investment, risk management, and termination solutions for pension plans and other institutional investors, based on detailed analysis of their liabilities, objectives, and constraints. PGA offers full-service solutions, including advice and implementation provided by industry-leading experts in capital markets, risk management, and actuarial sciences. > Pension risk advisory > Pension termination solutions > Asset liability management > Investment management > Manager selection and asset allocation > Liquid alternatives investment strategies

5 CONTACT INFORMATION PACIFIC LIFE INSURANCE COMPANY/ PACIFIC LIFE & ANNUITY COMPANY 700 Newport Center Drive Newport Beach, CA (800) , ext / (949) Investment Management (800) , ext Real Estate Investments (800) , ext Retirement Solutions Division (800) Life Insurance Division 45 Enterprise, Aliso Viejo, CA (800) , ext / (949) COMPANY PROFILE PACIFIC MUTUAL HOLDING COMPANY Pacific Mutual Holding Company (Pacific Mutual) is the parent company of Pacific LifeCorp, which is the parent company of Pacific Life Insurance Company. Policyholders of Pacific Life Insurance Company are members of Pacific Mutual and, as such, are able to attend an annual meeting of Pacific Mutual and to elect its board of directors. Through its direct and indirect subsidiaries, Pacific Mutual is engaged in a wide variety of insurance, financial services, and other investment-related businesses. PRINCIPAL SUBSIDIARIES Aviation Capital Group Corp. 610 Newport Center Drive, Suite 1400 Newport Beach, CA (949) Pacific Asset Management (800) , ext / (949) PACIFIC LIFE INSURANCE COMPANY Offering insurance since 1868, Pacific Life 1 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 counts more than half of the 100 largest U.S. companies as its clients. 2 Pacific Global Advisors LLC 535 Madison Avenue, 14th Floor New York, NY (212) Pacific Life Re Limited Tower Bridge House St. Katharine s Way London E1W 1BA +44 (0) PACIFIC LIFE & ANNUITY COMPANY Pacific Life & Annuity Company offers a wide range of products, including life insurance, annuities, structured settlement annuities, and other investment products and services for individuals and businesses. 1 Pacific Life refers to Pacific Life Insurance Company and its affiliates, including Pacific Life & Annuity Company. 2 Client count as of May 2013 is compiled by Pacific Life using the 2013 FORTUNE 500 list.

6 Pacific Life Insurance Company, a subsidiary of Pacific Mutual Holding Company, is licensed in all states except New York. In New York, individual life insurance and annuity products are available through Pacific Life & Annuity Company, a subsidiary of Pacific Life Insurance Company. Product availability and features vary by state. Insurance 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. Each company is solely responsible for the financial obligations accruing under the policies it issues. Variable products are issued by Pacific Life Insurance Company and Pacific Life & Annuity Company. These products and mutual funds are distributed by Pacific Select Distributors, Inc. (member FINRA & SIPC), a subsidiary of Pacific Life Insurance Company and an affiliate of Pacific Life & Annuity Company, and are available through licensed third-party broker-dealers. For current ratings, visit us online at Investment and Insurance Products: Not a Deposit Not FDIC Insured Not Insured by any Federal Government Agency No Bank Guarantee May Lose Value

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