# EDGAR Filing Document

**Accession Number:** 0001080429
**File Stem:** 0001104659-25-105362
**Filing Date:** 2025-11
**Character Count:** 28828
**Document Hash:** 961b6b73cd69254f6423d72900949aac
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001104659-25-105362.hdr.sgml**: 20251103

**ACCESSION NUMBER**: 0001104659-25-105362

**CONFORMED SUBMISSION TYPE**: 497

**PUBLIC DOCUMENT COUNT**: 1

**FILED AS OF DATE**: 20251103

**DATE AS OF CHANGE**: 20251103

**EFFECTIVENESS DATE**: 20251103

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** PACIFIC LIFE INSURANCE CO
- **CENTRAL INDEX KEY:** 0001080429
- **STANDARD INDUSTRIAL CLASSIFICATION:** LIFE INSURANCE [6311]

**ORGANIZATION NAME:**
- **EIN:** 951079000
- **STATE OF INCORPORATION:** NE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 497
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-282283
- **FILM NUMBER:** 251442457

**BUSINESS ADDRESS:**
- **STREET 1:** 700 NEWPORT CENTER DRIVE
- **CITY:** NEWPORT BEACH
- **STATE:** CA
- **ZIP:** 92660
- **BUSINESS PHONE:** 9492193754

**MAIL ADDRESS:**
- **STREET 1:** 700 NEWPORT CENTER DRIVE
- **CITY:** NEWPORT BEACH
- **STATE:** CA
- **ZIP:** 92660

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** PACIFIC LIFE INSURANCE CO/CA
- **DATE OF NAME CHANGE:** 19990428

## Series and Classes Contracts Data

### PACIFIC LIFE INSURANCE CO (Series ID: S000089086)

---

|  |  |
|:---|:---|
| Class Name                                                                         | Class ID   |
| Pacific Protective Growth Limited Premium Registered Index-Linked Deferred Annuity | C000255565 |

---

## Series and Classes Contracts Data

### PACIFIC LIFE INSURANCE CO (Series ID: S000089086)

| Class ID   | Class Name                                                                         | Ticker Symbol   |
|:---|:---|:---|
| C000255565 | Pacific Protective Growth Limited Premium Registered Index-Linked Deferred Annuity |  |

**Supplement dated November 3, 2025 to the Statutory Prospectus dated May 1, 2025 for the Pacific Protective**

**Growth limited premium registered index-linked deferred annuity contract**

**Issued by Pacific Life Insurance Company**

Capitalized terms used in this supplement are defined in the Pacific Protective Growth limited premium registered index-linked deferred annuity contract statutory prospectus ("Prospectus") unless otherwise defined herein. "We," "us," or "our" refer to Pacific Life Insurance Company; "you" or "your" refer to the Contract Owner. You can obtain a copy of the current Prospectus by contacting us at (800) 722-4448, or online at <u>PacificLife.com</u><u>/Prospectuses</u>. **Please read this supplement carefully and keep it with your Prospectus for future reference.**

**The purpose of this supplement is to amend the date under the Income Guard optional benefit rider that you may begin lifetime income withdrawals by removing the three year waiting period.**

**The changes outlined below will become effective December 15, 2025.\***

**INCOME GUARD**

**The first sentence of the OVERVIEW OF THE RIDER subsection of the INCOME GUARD section in the Statutory Prospectus is deleted and replaced with the following new sentence:**

If you choose to purchase the Rider, beginning at age 59 ½ you will have the option to withdraw up to a maximum amount (the Protected Payment Amount, plus any Income Rollover Amount) each year until the Rider terminates.

**The definition of Eligible Lifetime Withdrawal Date in the IMPORTANT RIDER TERMS subsection of the INCOME GUARD section in the Statutory Prospectus is deleted and replaced with the following new definition:**

**Eligible Lifetime Withdrawal Date** – The date that the Owner may designate as the Income Commencement Date. The Eligible Lifetime Withdrawal Date is the date the Designated Life (youngest Designated Life for Joint Life) attains age 59½. The Eligible Lifetime Withdrawal Date will be recalculated if the Single/ Joint Life Option or Designated Lives are changed.

**The first sentence of HOW THE RIDER WORKS – Protected Payment Amount subsection of the INCOME GUARD section in the Statutory Prospectus is deleted and replaced with the following new sentence:**

Beginning at age 59½ (the "Eligible Lifetime Withdrawal Date"), you can elect to begin Lifetime Withdrawals (the "Income Commencement Date").

**The APPENDIX C: INCOME GUARD EXAMPLES in the Statutory Prospectus is deleted and replaced with the following:**

**APPENDIX C: INCOME GUARD EXAMPLES**

The following examples utilize the tables below. The percentages listed in this example are not the current percentages in effect. **Please see the Deferral Credit percentages and Withdrawal Percentages disclosed in the Rate Sheet Prospectus Supplement applicable to your Contract.**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Withdrawal Percentage** | **Withdrawal Percentage** | **Withdrawal Percentage** | **Deferral Credit** | **Deferral Credit** |
| **Age on Rider <br> Effective Date** | **Single Life** | **Joint Life** | **Age on Rider<br> Effective Date** | **Credit %** |
| &nbsp;&nbsp;45 | &nbsp;&nbsp;4.50% | &nbsp;&nbsp;4.00% | &nbsp;&nbsp;45 | &nbsp;&nbsp;0.20% |
| &nbsp;&nbsp;46 | &nbsp;&nbsp;4.60% | &nbsp;&nbsp;4.10% | &nbsp;&nbsp;46 | &nbsp;&nbsp;0.20% |
| &nbsp;&nbsp;47 | &nbsp;&nbsp;4.70% | &nbsp;&nbsp;4.20% | &nbsp;&nbsp;47 | &nbsp;&nbsp;0.20% |
| &nbsp;&nbsp;48 | &nbsp;&nbsp;4.80% | &nbsp;&nbsp;4.30% | &nbsp;&nbsp;48 | &nbsp;&nbsp;0.20% |
| &nbsp;&nbsp;49 | &nbsp;&nbsp;4.90% | &nbsp;&nbsp;4.40% | &nbsp;&nbsp;49 | &nbsp;&nbsp;0.20% |
| &nbsp;&nbsp;50 | &nbsp;&nbsp;5.00% | &nbsp;&nbsp;4.50% | &nbsp;&nbsp;50 | &nbsp;&nbsp;0.25% |
| &nbsp;&nbsp;51 | &nbsp;&nbsp;5.10% | &nbsp;&nbsp;4.60% | &nbsp;&nbsp;51 | &nbsp;&nbsp;0.25% |
| &nbsp;&nbsp;52 | &nbsp;&nbsp;5.20% | &nbsp;&nbsp;4.70% | &nbsp;&nbsp;52 | &nbsp;&nbsp;0.25% |
| &nbsp;&nbsp;53 | &nbsp;&nbsp;5.30% | &nbsp;&nbsp;4.80% | &nbsp;&nbsp;53 | &nbsp;&nbsp;0.25% |
| &nbsp;&nbsp;54 | &nbsp;&nbsp;5.40% | &nbsp;&nbsp;4.90% | &nbsp;&nbsp;54 | &nbsp;&nbsp;0.25% |
| &nbsp;&nbsp;55 | &nbsp;&nbsp;5.50% | &nbsp;&nbsp;5.00% | &nbsp;&nbsp;55 | &nbsp;&nbsp;0.30% |
| &nbsp;&nbsp;56 | &nbsp;&nbsp;5.60% | &nbsp;&nbsp;5.10% | &nbsp;&nbsp;56 | &nbsp;&nbsp;0.30% |
| &nbsp;&nbsp;57 | &nbsp;&nbsp;5.70% | &nbsp;&nbsp;5.20% | &nbsp;&nbsp;57 | &nbsp;&nbsp;0.30% |
| &nbsp;&nbsp;58 | &nbsp;&nbsp;5.80% | &nbsp;&nbsp;5.30% | &nbsp;&nbsp;58 | &nbsp;&nbsp;0.30% |
| &nbsp;&nbsp;59 | &nbsp;&nbsp;5.90% | &nbsp;&nbsp;5.40% | &nbsp;&nbsp;59 | &nbsp;&nbsp;0.30% |
| &nbsp;&nbsp;60 | &nbsp;&nbsp;6.00% | &nbsp;&nbsp;5.50% | &nbsp;&nbsp;60 | &nbsp;&nbsp;0.35% |
| &nbsp;&nbsp;61 | &nbsp;&nbsp;6.10% | &nbsp;&nbsp;5.60% | &nbsp;&nbsp;61 | &nbsp;&nbsp;0.35% |
| &nbsp;&nbsp;62 | &nbsp;&nbsp;6.20% | &nbsp;&nbsp;5.70% | &nbsp;&nbsp;62 | &nbsp;&nbsp;0.35% |
| &nbsp;&nbsp;63 | &nbsp;&nbsp;6.30% | &nbsp;&nbsp;5.80% | &nbsp;&nbsp;63 | &nbsp;&nbsp;0.35% |
| &nbsp;&nbsp;64 | &nbsp;&nbsp;6.40% | &nbsp;&nbsp;5.90% | &nbsp;&nbsp;64 | &nbsp;&nbsp;0.35% |
| &nbsp;&nbsp;65 | &nbsp;&nbsp;6.50% | &nbsp;&nbsp;6.00% | &nbsp;&nbsp;65 | &nbsp;&nbsp;0.40% |
| &nbsp;&nbsp;66 | &nbsp;&nbsp;6.60% | &nbsp;&nbsp;6.10% | &nbsp;&nbsp;66 | &nbsp;&nbsp;0.40% |
| &nbsp;&nbsp;67 | &nbsp;&nbsp;6.70% | &nbsp;&nbsp;6.20% | &nbsp;&nbsp;67 | &nbsp;&nbsp;0.40% |
| &nbsp;&nbsp;68 | &nbsp;&nbsp;6.80% | &nbsp;&nbsp;6.30% | &nbsp;&nbsp;68 | &nbsp;&nbsp;0.40% |
| &nbsp;&nbsp;69 | &nbsp;&nbsp;6.90% | &nbsp;&nbsp;6.40% | &nbsp;&nbsp;69 | &nbsp;&nbsp;0.40% |
| &nbsp;&nbsp;70 | &nbsp;&nbsp;7.00% | &nbsp;&nbsp;6.50% | &nbsp;&nbsp;70 | &nbsp;&nbsp;0.45% |
| &nbsp;&nbsp;71 | &nbsp;&nbsp;7.10% | &nbsp;&nbsp;6.60% | &nbsp;&nbsp;71 | &nbsp;&nbsp;0.45% |
| &nbsp;&nbsp;72 | &nbsp;&nbsp;7.20% | &nbsp;&nbsp;6.70% | &nbsp;&nbsp;72 | &nbsp;&nbsp;0.45% |
| &nbsp;&nbsp;73 | &nbsp;&nbsp;7.30% | &nbsp;&nbsp;6.80% | &nbsp;&nbsp;73 | &nbsp;&nbsp;0.45% |
| &nbsp;&nbsp;74 | &nbsp;&nbsp;7.40% | &nbsp;&nbsp;6.90% | &nbsp;&nbsp;74 | &nbsp;&nbsp;0.45% |
| &nbsp;&nbsp;75 | &nbsp;&nbsp;7.50% | &nbsp;&nbsp;7.00% | &nbsp;&nbsp;75 | &nbsp;&nbsp;0.50% |
| &nbsp;&nbsp;76 | &nbsp;&nbsp;7.60% | &nbsp;&nbsp;7.10% | &nbsp;&nbsp;76 | &nbsp;&nbsp;0.50% |
| &nbsp;&nbsp;77 | &nbsp;&nbsp;7.70% | &nbsp;&nbsp;7.20% | &nbsp;&nbsp;77 | &nbsp;&nbsp;0.50% |
| &nbsp;&nbsp;78 | &nbsp;&nbsp;7.80% | &nbsp;&nbsp;7.30% | &nbsp;&nbsp;78 | &nbsp;&nbsp;0.50% |
| &nbsp;&nbsp;79 | &nbsp;&nbsp;7.90% | &nbsp;&nbsp;7.40% | &nbsp;&nbsp;79 | &nbsp;&nbsp;0.50% |
| &nbsp;&nbsp;80 | &nbsp;&nbsp;8.00% | &nbsp;&nbsp;7.50% | &nbsp;&nbsp;80 | &nbsp;&nbsp;0.55% |
| &nbsp;&nbsp;81 | &nbsp;&nbsp;8.10% | &nbsp;&nbsp;7.60% | &nbsp;&nbsp;81 | &nbsp;&nbsp;0.55% |
| &nbsp;&nbsp;82 | &nbsp;&nbsp;8.20% | &nbsp;&nbsp;7.70% | &nbsp;&nbsp;82 | &nbsp;&nbsp;0.55% |
| &nbsp;&nbsp;83 | &nbsp;&nbsp;8.30% | &nbsp;&nbsp;7.80% | &nbsp;&nbsp;83 | &nbsp;&nbsp;0.55% |
| &nbsp;&nbsp;84 | &nbsp;&nbsp;8.40% | &nbsp;&nbsp;7.90% | &nbsp;&nbsp;84 | &nbsp;&nbsp;0.55% |
| &nbsp;&nbsp;85 | &nbsp;&nbsp;8.50% | &nbsp;&nbsp;8.00% | &nbsp;&nbsp;85 | &nbsp;&nbsp;0.55% |

---

**Examples 1 – 5 that follow are not intended to reflect what the investor's actual withdrawal benefit proceeds will be or serve as projections of future investment returns, nor are they a reflection of how an investor's Contract will actually perform. The examples have been provided to assist in understanding the benefits provided by this Rider and to demonstrate how Purchase Payments received and withdrawals made from the Contract prior to the Annuity Date affect the values and benefits under this Rider over an extended period of time. There may be minor differences in the calculations due to rounding.**

<u>Assumptions for Examples 1 – 4:</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Rider purchased at the Contract Issue Date (Rider Effective Date)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Designated Life is age 56 ½ on the Rider Effective Date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Single Life Rider option was elected

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Resets shown if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Investment returns are random and inclusive of rider charges

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Invested in 1-year Index-Linked Option.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The optional death benefit rider was not elected, and therefore
 the fee for that rider is not reflected in the examples.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Examples do not reflect any surrender charges, market value adjustments,
 taxes, or tax penalties that may apply to a withdrawal;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· If the examples did reflect the optional Return of Purchase Payments
 Death Benefit Rider fee, surrender charges, market value adjustments, taxes, tax penalties,
 the Contract Values, Protected Payment Bases, Protected Payment Amounts, and Income Rollover
 Amounts shown in the examples would be lower, perhaps significantly lower.

<u>Example 1 — Setting of Initial Values</u>

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Contract Year** | **Purchase<br> Payment** | **Withdrawal<br> Amount** | **Contract Value<br> After Transaction** | **Protected <br> Payment Base** | **Withdrawal<br> Percentage** | **Protected<br> Payment<br> Amount** |
| Beg. of Year 1 | $100000 |  | $100000 | $100000 | 5.60% | $0 |
| Activity | $25000 |  | $120000 | $125000 | 5.60% | $0 |
| Beg. of Year 2 |  |  | $130000 | $130000 | 5.90% | $0 |
| Beg. of Year 3 |  |  | $120000 | $130000 | 6.20% | $0 |
| Beg. of Year 4 <br> (Eligible Lifetime Withdrawal Date) |  |  | $127000 | $130000 | 6.50% | $8450 |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The initial Purchase Payment of $100,000 sets the Contract Value
 and Protected Payment Base equal to $100,000.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Since a Subsequent Purchase Payment of $25,000 was made in the
 first Contract Year, the Contract Value and Protected Payment Base are increased by the amount
 of the Purchase Payment.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· At the beginning of Contract Year 2 a Reset occurs, since the
 Contract Value ($130,000) is higher than the Protected Payment Base ($125,000). This resets
 the Protected Payment Base to $130,000. The Withdrawal Percentage increases to 5.90% as the
 0.30% Deferral Credit is applied. The Protected Payment Amount is $0 as the Eligible Lifetime
 Withdrawal Date doesn't occur until the beginning of Contract Year 4.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· At the beginning of Contract Year 3 the Withdrawal Percentage
 increases to 6.20% as another 0.30% Deferral Credit is applied. A Reset does not take place
 since the Contract Value ($120,000) is less than the Protected Payment Base ($130,000).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· At the beginning of Contract Year 4, the Eligible Lifetime Withdrawal
 Date is reached, as the Owner has reached age 59½. The Withdrawal Percentage increases
 to 6.50% as another 0.30% Deferral Credit

is applied. The Protected Payment Amount is equal to $8,450, which is determined by multiplying the Withdrawal Percentage (6.50%) by the Protected Payment Base ($130000).

<u>Example 2 — Compliant and Excess Withdrawals</u>

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Contract Year** | **Purchase <br> Payment** | **Withdrawal<br> Amount** | **Contract Value<br> After <br> Transaction** | **Purchase <br> Payment Base** | **Withdrawal<br> Percentage** | **Protected<br> Payment<br> Amount** |
| &nbsp;&nbsp;Beg. of Year 1 | &nbsp;&nbsp;$100000 |  | &nbsp;&nbsp;$100000 | &nbsp;&nbsp;$100000 | &nbsp;&nbsp;5.60% | &nbsp;&nbsp;$0 |
| &nbsp;&nbsp;Activity | &nbsp;&nbsp;$25000 |  | &nbsp;&nbsp;$120000 | &nbsp;&nbsp;$125000 | &nbsp;&nbsp;5.60% | &nbsp;&nbsp;$0 |
| &nbsp;&nbsp;Beg. of Year 2 |  |  | &nbsp;&nbsp;$130000 | &nbsp;&nbsp;$130000 | &nbsp;&nbsp;5.90% | &nbsp;&nbsp;$0 |
| &nbsp;&nbsp;Beg. of Year 3 |  |  | &nbsp;&nbsp;$120000 | &nbsp;&nbsp;$130000 | &nbsp;&nbsp;6.20% | &nbsp;&nbsp;$0 |
| Beg. of Year 4 (Eligible Lifetime Withdrawal Date) |  |  | $127000 | &nbsp;&nbsp;&nbsp;&nbsp;$130000 | 6.50% | $8450 |
| &nbsp;&nbsp;Beg. of Year 5 |  |  | &nbsp;&nbsp;$135000 | &nbsp;&nbsp;$135000 | &nbsp;&nbsp;6.80% | &nbsp;&nbsp;$9180 |
| &nbsp;&nbsp;Activity (Income Commencement Date) |  | &nbsp;&nbsp;$9180 | &nbsp;&nbsp;$125000 | &nbsp;&nbsp;$135000 | &nbsp;&nbsp; 6.80% | &nbsp;&nbsp;$0 |
| &nbsp;&nbsp;Beg. of Year 6 |  |  | &nbsp;&nbsp;$120000 | &nbsp;&nbsp;$135000 | &nbsp;&nbsp;6.80% | &nbsp;&nbsp;$9180 |
| &nbsp;&nbsp;Activity |  | &nbsp;&nbsp;$20000 | &nbsp;&nbsp;$95000 | &nbsp;&nbsp;$121203 | &nbsp;&nbsp;6.80% | &nbsp;&nbsp;$0 |

---

---

| |
|:---|
| At the beginning of Contract Year 5, a Reset occurs, since the Contract Value ($135000) is higher than the Protected Payment Base ($130000). The Withdrawal Percentage increases to 6.80% as the 0.30% Deferral Credit is applied. The Protected Payment Amount is equal to $9,180 which is determined by multiplying the Withdrawal Percentage (6.80%) by the Protected Payment Base ($135000). |
| During Contract Year 5 the Income Commencement Date occurs, locking in the Withdrawal Percentage at 6.80% and stopping any future Deferral Credits. A withdrawal of the full Protected Payment Amount of $9,180 occurs. The Contract Value is reduced by the amount of the withdrawal. Since the withdrawal amount is compliant the Protected Payment Base continues at $135,000 with no adjustment. |
| Due to the Excess Withdrawal of $20,000 made in Contract Year 6, the Protected Payment Base is reduced to $121,203. |
| Step 1: Determine the excess withdrawal amount. The excess withdrawal amount is the amount that is considered in excess of the Protected Payment Amount plus any applicable Income Rollover Amount (total withdrawal amount less the compliant withdrawal amount). |
| A = $10,820 = ($20,000 – $9,180) |
| Step 2: Determine the ratio of the excess withdrawal amount to the Contract Value immediately after the compliant withdrawal amount (excess withdrawal amount divided by the Contract Value prior to the withdrawal less the compliant withdrawal amount). Contract Value prior to the $20,000 withdrawal = $115,000. |
| B = 10.22% = $10,820 / ($115,000 – $9,180) |

---

---

| |
|:---|
| Step 3: Adjustment to Protected Payment Base. The new Protected Payment Base will be the Protected Payment Base before the withdrawal multiplied by (1 – ratio determined in Step Two). |
| Protected Payment Base = $121,203 = $135,000 x (1 – 10.22%) Step 4: New Protected Payment Amount for the following Contract Year |
| The Protected Payment Amount = $8,241.80 = $121,203 x 6.80% |

---

<u>Example 3 — Early Withdrawals</u>

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Contract Year** | **Purchase <br> Payment** | **Withdrawal<br> Amount** | **Contract Value<br> After <br> Transaction** | **Protected <br> Payment Base** | **Withdrawal<br> Percentage** | **Protected<br> Payment <br> Amount** |
| &nbsp;&nbsp;Beg. of Year 1 | &nbsp;&nbsp;$100000 |  | &nbsp;&nbsp;$100000 | &nbsp;&nbsp;$100000 | &nbsp;&nbsp;5.60% | &nbsp;&nbsp;$0 |
| &nbsp;&nbsp;Activity | &nbsp;&nbsp;$25000 |  | &nbsp;&nbsp;$120000 | &nbsp;&nbsp;$125000 | &nbsp;&nbsp;5.60% | &nbsp;&nbsp;$0 |
| &nbsp;&nbsp;Beg. of Year 2 |  |  | &nbsp;&nbsp;$130000 | &nbsp;&nbsp;$130000 | &nbsp;&nbsp;5.90% | &nbsp;&nbsp;$0 |
| &nbsp;&nbsp;Beg. of Year 3 |  |  | &nbsp;&nbsp;$120000 | &nbsp;&nbsp;$130000 | &nbsp;&nbsp;6.20% | &nbsp;&nbsp;$0 |
| &nbsp;&nbsp;Activity |  | &nbsp;&nbsp;$10000 | &nbsp;&nbsp;$110000 | &nbsp;&nbsp;$119171 | &nbsp;&nbsp;6.20% | &nbsp;&nbsp;$0 |
| &nbsp;&nbsp;Beg. of Year 4 (Eligible Lifetime Withdrawal Date) |  |  | &nbsp;&nbsp;$115000 | &nbsp;&nbsp;$119171 | &nbsp;&nbsp;6.50% | &nbsp;&nbsp;$7746.11 |

---

---

| |
|:---|
| During Contract Year 3 an Early Withdrawal of $10,000 is taken. The Protected Payment Base is reduced to $119,171. |
| Step 1: Determine the excess withdrawal amount. The excess withdrawal amount is the amount of the withdrawal for an Early Withdrawal. |
| A = Excess Withdrawal Amount = $10,000 |
| Step 2: Determine the ratio of the excess withdrawal amount to the Contract Value immediately before the withdrawal (excess withdrawal amount divided by the Contract Value prior to the withdrawal). Contract Value prior to the $10,000 withdrawal = $120,000. |
| B = Withdrawal Ratio = 8.33% = $10,000 / ($120000) |
| Step 3: Adjustment to Protected Payment Base. The adjustment to the Protected Payment Base is equal to the Protected Payment Base before the withdrawal multiplied by (1 – ratio determined in Step Two) |
| Protected Payment Base = $119,171 = $130,000 x (1 – 8.33%) |
| At the beginning of Contract Year 4, the Eligible Lifetime Withdrawal Date is reached as the Owner has reached age 59½. The Withdrawal Percentage increases to 6.50% as another 0.30% Deferral Credit is applied. The Protected Payment Amount is equal to $7,746.11 which is determined by multiplying the Withdrawal Percentage (6.50%) by the Protected Payment Base ($119171). |

---

<u>Example 4 — Income Rollover Amount</u>

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Contract Year** | **Purchase<br> Payment** | **Withdrawal<br> Amount** | **Contract Value <br> After<br> Transaction** | **Protected<br> Payment <br> Base** | **Withdrawal <br> Percentage** | **Protected<br> Payment<br> Amount** | **Income<br> Rollover<br> Amount** |
| &nbsp;&nbsp;Beg. of Year 1 | &nbsp;&nbsp;$100000 |  | &nbsp;&nbsp;$100000 | &nbsp;&nbsp;$100000 | &nbsp;&nbsp;5.60% | &nbsp;&nbsp;$0 |  |
| &nbsp;&nbsp;Activity | &nbsp;&nbsp;$25000 |  | &nbsp;&nbsp;$120000 | &nbsp;&nbsp;$125000 | &nbsp;&nbsp;5.60% | &nbsp;&nbsp;$0 |  |
| &nbsp;&nbsp;Beg. of Year 2 |  |  | &nbsp;&nbsp;$130000 | &nbsp;&nbsp;$130000 | &nbsp;&nbsp;5.90% | &nbsp;&nbsp;$0 |  |
| &nbsp;&nbsp;Beg. of Year 3 |  |  | &nbsp;&nbsp;$120000 | &nbsp;&nbsp;$130000 | &nbsp;&nbsp;6.20% | &nbsp;&nbsp;$0 |  |
| &nbsp;&nbsp;Beg. of Year 4 (Eligible Lifetime Withdrawal Date) |  |  | &nbsp;&nbsp;$127000 | &nbsp;&nbsp; $130000 | &nbsp;&nbsp;6.50% | &nbsp;&nbsp;$8450 |  |
| &nbsp;&nbsp;Beg. of Year 5 |  |  | &nbsp;&nbsp;$135000 | &nbsp;&nbsp;$135000 | &nbsp;&nbsp;6.80% | &nbsp;&nbsp;$9180 |  |
| &nbsp;&nbsp;Activity (Income Commencement Date) |  | &nbsp;&nbsp;$5000 | &nbsp;&nbsp;$125000 | &nbsp;&nbsp;$135000 | &nbsp;&nbsp;6.80% | &nbsp;&nbsp;$4180 |  |
| &nbsp;&nbsp;Beg. of Year 6 |  |  | &nbsp;&nbsp;$138000 | &nbsp;&nbsp;$138000 | &nbsp;&nbsp;6.80% | &nbsp;&nbsp;$9384 | &nbsp;&nbsp;$4180 |
| &nbsp;&nbsp;Activity |  | &nbsp;&nbsp;$13000 | &nbsp;&nbsp;$120000 | &nbsp;&nbsp;$138000 | &nbsp;&nbsp;6.80% | &nbsp;&nbsp;$564 |  |
| &nbsp;&nbsp;Beg. of Year 7 |  |  | &nbsp;&nbsp;$132000 | &nbsp;&nbsp;$138000 | &nbsp;&nbsp;6.80% | &nbsp;&nbsp;$9384 | &nbsp;&nbsp;$564 |
| &nbsp;&nbsp;Activity |  | &nbsp;&nbsp;$9948 | &nbsp;&nbsp;$115000 | &nbsp;&nbsp;$138000 | &nbsp;&nbsp;6.80% | &nbsp;&nbsp;$0 | &nbsp;&nbsp;$0 |
| &nbsp;&nbsp;Beg. of Year 8 |  |  | &nbsp;&nbsp;$110000 | &nbsp;&nbsp;$138000 | &nbsp;&nbsp;6.80% | &nbsp;&nbsp;$9384 | &nbsp;&nbsp;$0 |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· At the beginning of Contract Year 5, a Reset occurs, since the
 Contract Value ($135,000) is higher than the Protected Payment Base ($130,000). The Withdrawal
 Percentage increases to 6.80% as the 0.30% Deferral Credit is applied. The Protected Payment
 Amount is equal to $9,180 which is determined by multiplying the Withdrawal Percentage (6.80%)
 by the Protected Payment Base ($135,000).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· During Contract Year 5 the Income Commencement Date occurs locking
 in the Withdrawal Percentage at 6.80% and stopping any future Deferral Credits. A withdrawal
 of $5,000 occurs. The unused Protected Payment Amount ($4,180) becomes the Income Rollover
 Amount at the start of Year 6.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· At the beginning of Contract Year 6, a Reset occurs since the
 Contract Value ($138,000) is higher than the Protected Payment Base of ($135,000). A Reset
 does not impact the Withdrawal Percentage after the Income Commencement Date. The Protected
 Payment Amount is equal to $9,384 which is determined by multiplying the Withdrawal Percentage
 (6.80%) by the Protected Payment Base ($138,000).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· During Contract Year 6, a $13,000 Compliant Withdrawal is taken.
 The Income Rollover Amount ($4,180) is withdrawn first, with the remaining $8,820 reducing
 the Protected Payment Amount to $564. The unused
Protected Payment Amount ($564) becomes the Income Rollover Amount at the start of Year 7.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· During Contract Year 7, a $9,948 withdrawal is taken. The withdrawal
 is considered compliant as it does not exceed the Income Rollover Amount ($564) plus the
 Protected Payment Amount ($9,384). The Protected Payment Base remains at $138,000

<u>Assumptions for Examples 5:</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Rider purchased at the Contract Issue Date (Rider Effective Date)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Designated Life is age 65 on the Rider Effective Date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Single Life Rider option was elected

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Resets shown if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Investment returns are random and inclusive of rider charges

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Invested in 1-year Index-Linked Option.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The optional death benefit rider was not elected, and therefore
 the fee for that rider is not reflected in the examples.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Examples do not reflect any surrender charges, market value adjustments,
 taxes, or tax penalties that may apply to a withdrawal;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· If the examples did reflect the optional Return of Purchase Payments
 Death Benefit Rider fee, surrender charges, market value adjustments, taxes, tax penalties,
 the Contract Values, Protected Payment Bases, Protected Payment Amounts, and Income Rollover
 Amounts shown in the examples would be lower, perhaps significantly lower.

<u>Example 5 — Single Life/Joint Life Option Change</u>

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Contract Year** | **Purchase<br> Payment** | **Withdrawal<br> Amount** | **Contract Value<br> After Transaction** | **Protected<br> Payment Base** | **Single Life<br> Withdrawal<br> Percentage** | **Joint Life<br> Withdrawal<br> Percentage** | **Protected<br> Payment<br> Amount** |
| Beg. of Year 1 | $100000 |  | $100000 | $100000 | 6.50% | N/A | $6500 |
| Activity | $25000 |  | $120000 | $125000 | 6.50% | N/A | $8125 |
| Beg. of Year 2 |  |  | $130000 | $130000 | 6.90% | N/A | $8970 |
| Beg. of Year 3 |  |  | $120000 | $130000 | 7.30% | N/A | $9490 |
| Beg. of Year 4 |  |  | $127000 | $130000 | 7.70% | N/A | $10010 |
| Change to Joint Life Option |  |  | $125000 | $130000 | N/A | 6.55% | $8515 |
| Beg. of Year 5 |  |  | $129000 | $130000 | N/A | 6.90% | $8970 |

---

&nbsp;&nbsp;&nbsp;&nbsp;· The
 initial Purchase Payment of $100,000 sets the Contract Value and Protected Payment Base equal
 to $100,000. Since a Subsequent Purchase Payment of $25,000 was made in the first Contract
 Year, the Contract Value and Protected Payment Base are increased by the amount of the Purchase
 Payment.

&nbsp;&nbsp;&nbsp;&nbsp;· At
 the beginning of Contract Year 2 a Reset occurs, since the Contract Value ($130,000) is higher
 than the Protected Payment Base ($125,000). This resets the Protected Payment Base to $130,000.
 The Single Life Withdrawal Percentage increases to 6.90% as the 0.40% Deferral Credit is
 applied. The Protected Payment Amount is equal to $8,970 which is determined by multiplying
 the Single Life Withdrawal Percentage (6.90%) by the Protected Payment Base ($130,000).

&nbsp;&nbsp;&nbsp;&nbsp;· At
 the beginning of Contract Year 4, the Single Life Withdrawal Percentage increases to 7.70%
 as another 0.40% Deferral Credit is applied. The Protected Payment Amount is equal to $10,010
 which is determined by multiplying
the Single Life Withdrawal Percentage (7.70%) by the Protected Payment Base ($130,000).

&nbsp;&nbsp;&nbsp;&nbsp;· During
 Contract Year 4, the Owner elects to change the Rider option from single to joint life, which
 is allowed as the Income Commencement Date has not occurred. A spouse who was age 60 on the
 Rider Effective Date is added as a Designated Life. The Joint Life Withdrawal Percentage
 and new Protected Payment Amount are determined as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Base Joint Life Withdrawal Percentage: 5.50%

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Based
 on age 60 which was the youngest Designated Life's age on the Rider Effective Date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Deferral Credit Percentage: 0.35%

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Based
 on age 60 which was the youngest Designated Life's age on the Rider Effective Date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Joint Life Withdrawal Percentage = 6.55% = 5.50% + (3 x 0.35%)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The
 Joint Life Withdrawal Percentage is calculated using the Base Withdrawal Percentage above
 plus the three applicable Deferral Credits. The number of Contract Anniversaries since the
 Rider Effective Date will determine the number of Deferral Credits that need to be applied.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Protected Payment Amount = $8,515

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Protected
 Payment Base ($130,000) multiplied by the Joint Life Withdrawal Percentage (6.55%)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o At the beginning of Contract Year 5, the Joint Life Withdrawal Percentage
 increases to 6.90% after the 0.35% Deferral Credit is applied. The Protected Payment Amount
 is equal to $8,970 which is determined by multiplying the Joint Life Withdrawal Percentage
 (6.90%) by the Protected Payment Base ($130,000).

**\*If you purchased your contract in Illinois before June 9, 2025, these changes are pending state approval and are not yet available. We will notify you when available.**

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