# EDGAR Filing Document

**Accession Number:** 0000935823
**File Stem:** 0001104659-25-098340
**Filing Date:** 2025-10
**Character Count:** 7556
**Document Hash:** 48ca1eff5f789fa9922d160aa6370ff4
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001104659-25-098340.hdr.sgml**: 20251009

**ACCESSION NUMBER**: 0001104659-25-098340

**CONFORMED SUBMISSION TYPE**: 497VPU

**PUBLIC DOCUMENT COUNT**: 1

**FILED AS OF DATE**: 20251009

**DATE AS OF CHANGE**: 20251009

**EFFECTIVENESS DATE**: 20251009

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** SEPARATE ACCOUNT A OF PACIFIC LIFE INSURANCE CO
- **CENTRAL INDEX KEY:** 0000935823

**ORGANIZATION NAME:**
- **EIN:** 000000000
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 497VPU
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-240070
- **FILM NUMBER:** 251385114

**BUSINESS ADDRESS:**
- **STREET 1:** P O BOX 7500
- **CITY:** NEWPORT BEACH
- **STATE:** CA
- **ZIP:** 92658-7500
- **BUSINESS PHONE:** 7146403743

**MAIL ADDRESS:**
- **STREET 1:** P O BOX 7500
- **CITY:** NEWPORT BEACH
- **STATE:** CA
- **ZIP:** 92658-7500

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** SEPARATE ACCOUNT A OF PACIFIC MUTUAL LIFE INS CO
- **DATE OF NAME CHANGE:** 19950119

## Series and Classes Contracts Data

### SEPARATE ACCOUNT A OF PACIFIC LIFE INSURANCE CO (811-08946) (Series ID: S000006314)

| Class ID   | Class Name                        | Ticker Symbol   |
|:---|:---|:---|
| C000222235 | Pacific Advisory Variable Annuity |  |

**Supplement dated October 9, 2025, to the Statutory Prospectus, Updating Summary Prospectus, and Initial Summary Prospectus dated May 1, 2025 for the Pacific Advisory Variable Annuity individual flexible premium deferred variable annuity contracts issued by Pacific Life Insurance Company:**

**The purpose of this supplement is to announce certain underlying fund and premium guideline changes effective November 3, 2025.** This supplement must be preceded or accompanied by the Initial Summary Prospectus, Updating Summary Prospectus, or Statutory Prospectus, as applicable, (collectively, the "Prospectus") for your Contract, as supplemented. All information in the Prospectus dated May 1, 2025, remains in effect unless otherwise 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, as applicable; "you" or "your" refer to the Contract Owner. You can obtain a copy of the current Prospectus by contacting us (800) 722-4448, or online at <u>http://www.PacificLife.com/Prospectuses</u>. Please retain this supplement for future reference.

**The changes outlined below will become effective November 3, 2025.**

***The Maximum Total Purchase Payments row from the table in the Initial Summary Prospectus, under the heading BUYING THE CONTRACT, will be deleted and replaced with the following:***

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| | |
|:---|:---|
| &nbsp;&nbsp;Maximum Total Purchase Payments | &nbsp;&nbsp;Your Contract requires that you must obtain our consent before making an initial or additional Purchase Payment that will bring your aggregate Purchase Payments over $1,000,000 Currently, our administrative practice allows for aggregate Purchase Payments up to $2,000,000 up to an issue age of 85 ($1,000,000 for applicants between the ages of 86 and 95) We reserve the right to change this administrative practice in the future. The aggregate amount is based on all contracts where you are either the owner and/or annuitant. |

---

***The following sentences from the Statutory Prospectus will be deleted and replaced in the section* BUYING YOUR CONTRACT - How to Apply for Your Contract.**

The maximum age of a Contract Owner/Annuitant, including Joint Owners, Joint Annuitants, and Contingent Annuitants, for which a Contract will be issued is 90. We may issue Contracts to applicants between the ages of 91 and 95 when minimum Purchase Payment requirements are met. We reserve the right to reject additional Purchase Payments. Your Contract requires that you must obtain our consent before making an initial or additional Purchase Payment that will bring your aggregate Purchase Payments over $1,000,000. Currently, our administrative practice allows for aggregate Purchase Payments up to $2,000,000 for up to an issue age of 85 ($1,000,000 for applicants ages 86-95). We reserve the right to change this administrative practice in the future. For purposes of this limit, the aggregate purchase payments are based on all contracts for which you are either owner and/or annuitant.

***The following sentences from the Statutory Prospectus will be deleted and replaced in the section* BUYING YOUR CONTRACT – Making Your Investments.**

You must obtain our consent before making an initial or additional Purchase Payment that will bring your aggregate Purchase Payments over $1,000,000. Currently, our administrative practice allows for aggregate Purchase Payments up to $2,000,000 for up to an issue age of 85 ($1,000,000 for applicants ages 86-95). We reserve the right to change this administrative practice in the future. For purposes of this limit, the aggregate purchase payments are based on all contracts for which you are either owner and/or annuitant.

***The following sentences from the Statutory Prospectus will be deleted and replaced in the section* State Considerations – California - BUYING YOUR CONTRACT**.

Your Contract requires that you must obtain our consent before making an initial Purchase Payment equal to or greater than $1,000,000. Currently, our administrative practice allows for aggregate Purchase Payments up to $2,000,000 for up to an issue age of 85 ($1,000,000 for applicants ages 86-95). The Contract Owner's age is calculated as of his or her last birthday.

***<u>All other references in the prospectus to an initial or additional purchase payment that will bring your aggregate Purchase Payments over $1,000,000 will change to the above disclosure</u>***<u>.</u>

***Effective November 3, 2025, the* APPENDIX: FUNDS** **AVAILABLE UNDER THE CONTRACT *is amended to add the following fund:***

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Investment Objective** | &nbsp;&nbsp;**Fund**; Advisor (Subadvisor) | &nbsp;&nbsp;**Average Annual Total <br> Returns**<br> **(as of 12/31/2024)** | &nbsp;&nbsp;**Average Annual Total <br> Returns**<br> **(as of 12/31/2024)** | &nbsp;&nbsp;**Average Annual Total <br> Returns**<br> **(as of 12/31/2024)** |
|  |  | &nbsp;&nbsp;**1 Year** | &nbsp;&nbsp;**5 Year** | &nbsp;&nbsp;**10 Year** |
| &nbsp;&nbsp;This Fund seeks capital appreciation. | &nbsp;&nbsp;**Pacific Select Fund Capital Appreciation Portfolio Class P**; Pacific Life Fund Advisors LLC (T. Rowe Price Associates, Inc.)&nbsp;&nbsp;0.75%<sup>1</sup> | &nbsp;&nbsp;NA | &nbsp;&nbsp;NA | &nbsp;&nbsp;NA |

---

<sup>1</sup> To help limit Fund expenses, Fund advisers have contractually agreed to reduce investment advisory fees or otherwise reimburse certain of their Funds which reflect temporary fee reductions. There can be no assurance that Fund expense waivers or reimbursements will be extended beyond their current terms as outlined in each Fund prospectus, and they may not cover certain expenses such as extraordinary expenses. See each Fund prospectus for complete information regarding these arrangements.

***<u>Effective November 3, 2025, the</u>* <u>Allowable Investment Options in the LIVING BENEFIT ALLOCATION REQUIREMENTS section in the APPENDIX: FUNDS</u>** **<u>AVAILABLE UNDER THE CONTRACT *is amended to add the following Allowable Investment Option* as an eligible allocation for all Living Benefit Riders*:*</u>**

PSF Capital Appreciation Portfolio

PAVASUPP1025