# EDGAR Filing Document

**Accession Number:** 0000935823
**File Stem:** 0001104659-26-052564
**Filing Date:** 2026-4
**Character Count:** 44912
**Document Hash:** 629865679b91b31354c3ab8f3a3217fd
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001104659-26-052564.hdr.sgml**: 20260430

**ACCESSION NUMBER**: 0001104659-26-052564

**CONFORMED SUBMISSION TYPE**: 497VPI

**PUBLIC DOCUMENT COUNT**: 1

**FILED AS OF DATE**: 20260430

**DATE AS OF CHANGE**: 20260430

**EFFECTIVENESS DATE**: 20260430

**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:** 497VPI
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-265390
- **FILM NUMBER:** 26922505

**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   |
|:---|:---|:---|
| C000237540 | Pacific Life Retirement Growth and Income Annuity |  |

#### INITIAL SUMMARY PROSPECTUS FOR NEW INVESTORS

#### MAY 1, 2026

#### PACIFIC LIFE RETIREMENT GROWTH AND INCOME ANNUITY
Issued by Pacific Life Insurance Company through Separate Account A of Pacific Life Insurance Company

This summary prospectus summarizes key features of Pacific Life Retirement Growth and Income Annuity, an individual single premium deferred variable annuity contract. Before you invest, you should also review the prospectus for this Contract, which contains more information about the Contract's features, benefits, and risks. You can find this document and other information about the Contract online at PacificLife.com/Prospectuses. You can also obtain this information at no cost by calling (833) 455-0901 or by sending an email request to Prospectuses@PacificLife.com.

You can find additional information about the underlying Funds at https://www.PacificLife.com/Prospectuses and selecting Investment Options.

**You may cancel your Contract within 10 days of receiving it without paying fees or penalties. In some states, this cancellation period may be longer. Upon cancellation, you will receive either a full refund of the amount you paid with your application or your total Contract value plus a refund of any amount used to pay premium taxes and/or any other taxes.** You should review the prospectus, or consult with your financial professional for additional information about the specific cancellation terms that apply.

Additional information about certain investment products, including variable annuities, has been prepared by the Securities and Exchange Commission's staff and is available at Investor.gov.

To view our latest Privacy Notice, please visit https://paclife.co/privacy-promise or contact (877) 722-7848 for additional information.

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#### **TABLE OF CONTENTS**

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| | |
|:---|:---|
| **[SPECIAL TERMS](#1tm266331d2_497vpi)** | **[2](#1tm266331d2_497vpi)** |
| **[OVERVIEW OF THE CONTRACT](#2tm266331d2_497vpi)** | **[3](#2tm266331d2_497vpi)** |
| **[KEY INFORMATION](#3tm266331d2_497vpi)** | **[4](#3tm266331d2_497vpi)** |
| **[BENEFITS AVAILABLE UNDER THE CONTRACT](#4tm266331d2_497vpi)** | **[8](#4tm266331d2_497vpi)** |
| **[BUYING THE CONTRACT](#5tm266331d2_497vpi)** | **[9](#5tm266331d2_497vpi)** |
| **[MAKING WITHDRAWALS: ACCESSING THE MONEY IN YOUR CONTRACT](#6tm266331d2_497vpi)** | **[10](#6tm266331d2_497vpi)** |
| **[ADDITIONAL INFORMATION ABOUT FEES](#7tm266331d2_497vpi)** | **[10](#7tm266331d2_497vpi)** |
| **[APPENDIX: INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT](#8tm266331d2_497vpi)** | **[12](#8tm266331d2_497vpi)** |

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#### SPECIAL TERMS
**Account Value** – The amount of your Contract Value allocated to a specified Investment Option.

**Annuitant** – A person on whose life annuity payments may be determined. An Annuitant's life may also be used to determine death benefits, in the case of a Non-Natural Owner, and to determine the Annuity Date. A Contract may name a single ("sole") Annuitant or two ("Joint") Annuitants. You may choose a Contingent Annuitant only if you have a sole Annuitant (cannot have Joint Annuitants and a Contingent Annuitant at the same time). If you name Joint Annuitants or a Contingent Annuitant, "the Annuitant" means the sole surviving Annuitant, unless otherwise stated. See **ADDITIONAL INFORMATION – State Considerations** in the prospectus for Contracts issued in California.

**Annuity Date** – The date annuity payments are scheduled to begin if the Annuitant (or Joint Annuitants) is (or are) still living and your Contract is in force; or if earlier, the date that annuity payments actually begin. The maximum Annuity Date is stated in your Contract and is the latest date on which we will begin paying you an annuity income.

**Annuity Option** – Any one of the income options available for a series of payments after your Annuity Date.

**Beneficiary** – A person who may have a right to receive any death benefit proceeds before the Annuity Date or any remaining annuity payments after the Annuity Date, if any Owner (or Annuitant in the case of a Non-Natural Owner) dies. See **ADDITIONAL INFORMATION – State Considerations** in the prospectus for Contracts issued in California.

**Business Day** – Any day on which the value of an amount invested in a Variable Investment Option is required to be determined, which currently includes each day that the New York Stock Exchange is open for trading, an applicable underlying Fund is open for trading, and our administrative offices are open.

**Code** – The Internal Revenue Code of 1986, as amended.

**Contingent Annuitant** – A person, if named in your Contract, who will become your sole surviving Annuitant if your existing sole Annuitant should die before your Annuity Date. See **ADDITIONAL INFORMATION – State Considerations** in the prospectus for Contracts issued in California.

**Contract Anniversary** – The same date, in each subsequent year, as your Contract Date.

**Contract Date** – The date we issue your Contract. Contract Years, Contract Anniversaries, Contract Semi-Annual Periods, Contract Quarters and Contract Months are measured from this date.

**Contract Owner, Owner, Policyholder, you, or your** – Generally, a person who purchases a Contract and makes the Investments. A Contract Owner has all rights in the Contract, including the right to make withdrawals, designate and change beneficiaries, transfer amounts among Investment Options, and designate an Annuity Option. If your Contract names Joint Owners, both Joint Owners are Contract Owners and share all such rights. Except in the case of a Non-Natural Owner, the Owner's life is used to determine death benefits. See **ADDITIONAL INFORMATION – State Considerations** in the prospectus for Contracts issued in California.

**Contract Value** – As of the end of any Business Day, the sum of your Variable Account Value.

**Contract Year** – A year that starts on the Contract Date or on a Contract Anniversary.

**Fund** – A Fund under this Contract that is part of the Separate Account.

**General Account** – Our General Account consists of all of our assets other than those assets allocated to Separate Account A or to any of our other investment separate accounts.

**In Proper Form** – This is the standard we apply when we determine whether an instruction is satisfactory to us. An instruction (in writing or by other means that we accept (*e.g.* via telephone or electronic submission)) is considered to be In Proper Form if it is received at our Service Center in a manner that is satisfactory to us, such that is sufficiently complete and clear so that we do not have to exercise any discretion to follow the instruction, including any information and supporting legal documentation necessary to effect the transaction. Any forms that we provide will identify any necessary supporting documentation. We may, in our sole discretion,

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determine whether any particular transaction request is In Proper Form, and we reserve the right to change or waive any In Proper Form requirements at any time.

**Investment ("Purchase Payment")** – An amount paid to us by or on behalf of a Contract Owner as consideration for the benefits provided under the Contract.

**Investment Option** – A Fund available under this Contract that is part of the Separate Account.

**Joint Annuitant** – If your Contract is a Non-Qualified Contract, you may name two Annuitants, called "Joint Annuitants," in your application for your Contract. Special restrictions may apply for Qualified Contracts.

**Non-Natural Owner** – A corporation, trust or other entity that is not a (natural) person.

**Non-Qualified Contract** – A Contract other than a Qualified Contract.

**Purchase Payment (or "Investment")** – An amount paid to us by or on behalf of a Contract Owner as consideration for the benefits provided under the Contract.

**Qualified Contract** – A Contract that qualifies under the Code under Section 408(a) or 408(A) as an individual retirement annuity or account (IRA), or form thereof, qualifying for special tax treatment under the Code.

**Separate Account A (or the "Separate Account")** – A separate account of ours registered as a unit investment trust under the Investment Company Act of 1940, as amended.

**Variable Account Value** – The amount of your Contract Value allocated to the Subaccount.

**Variable Investment Option** – A Fund available under this Contract that is part of the Separate Account.

#### OVERVIEW OF THE CONTRACT

#### Purpose
The Contract is designed for long-term financial planning. This Contract may be appropriate for you if you are looking for retirement income or you want to meet other long-term financial objectives. Discuss with your financial professional whether a variable annuity, a living benefit rider, a death benefit rider, and the underlying Investment Option is appropriate for you, taking into consideration your age, income, net worth, tax status, insurance needs, financial objectives, investment goals, liquidity needs, time horizon, risk tolerance and other relevant information. Together you can decide if a variable annuity is right for you.

#### Phases of the Contract
This Contract has two phases, the accumulation (savings) phase and the annuitization (income) phase. The accumulation phase begins on your Contract Date and continues until your Annuity Date. During this phase, your initial investments and earnings accumulate on a tax-deferred basis. Purchase Payments made will be invested in the Fund and the Fund has its own investment objectives, strategies, risks, and expenses.

A list of Funds currently available is provided in an appendix. See **APPENDIX: INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT**.

**The annuitization (income) phase occurs when you annuitize your Contract and turn your Contract into a stream of income payments over a fixed period or for life. Your annuity payments will be fixed payments. When you annuitize, you will be unable to make withdrawals and death benefits and living benefits will terminate.**

**In general, if you choose a guaranteed minimum withdrawal benefit rider, it may not be appropriate for you to annuitize the Contract *before* the maximum Annuity Date because the guaranteed minimum withdrawal benefit riders already provide for lifetime income in the form of the Protected Payment Amount while also allowing for the accumulation of Contract Value and a death benefit. If you choose to annuitize the Contract before the maximum Annuity Date, you will be giving up your Contract Value, death benefit, and rider guarantees, and it is possible that the annuity payment amount will be less than the Protected Payment Amount. Nonetheless, it is possible that the income stream provided by an annuity benefit payment option (e.g.,payments for a period certain) may be more appropriate for you based on your personal circumstances and financial goals. As such, before annuitizing or selecting a payment option, you should consult with a financial professional and/or contact us at our Service Center to obtain information on what the annuity payment would be prior to annuitizing. Please note that if you annuitize, you will be unable to make withdrawals from the Contract.**

#### Contract Features
**Accessing your Money**. Before you annuitize, you can withdraw money from your Contract. If you take a withdrawal, you may have to pay a withdrawal charge and/or income taxes, including a 10% federal tax penalty if you are younger than age 59½.

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**Tax Treatment**. Earnings are generally tax-deferred. You are taxed when you make a withdrawal or surrender your Contract, receive an income payment from the Contract, or upon payment of a death benefit.

**Death Benefits**. You must select, for an additional cost, a death benefit rider with the purchase of your Contract, which can increase the amount of money payable to your Beneficiaries. The death benefit amount under the rider is the greater of the Contract Value or the total of all Purchase Payments made to the Contract adjusted for withdrawals. The rider that is currently available is:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Return of Purchase Payments Death Benefit (Return of Purchase Payments Death Benefit II for California)**

For more information, restrictions, and when you may purchase available riders, see the **BENEFITS AVAILABLE UNDER THE CONTRACT** and **Death Benefit Riders** sections.

**Living Benefit**. You must select a guaranteed minimum withdrawal benefit rider with the purchase of your Contract. The guaranteed minimum withdrawal benefit rider focuses on providing an income stream for life through withdrawals during the accumulation phase beginning at the age for lifetime withdrawals specified by the rider, if certain conditions are met. The rider currently available is:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Guaranteed Lifetime Withdrawal Benefit**

For more information and restrictions, see the **BENEFITS AVAILABLE UNDER THE CONTRACT** and **Living Benefit Rider** sections.

If you have any questions about which benefits or services apply to your Contract, review your most recent Contract statement or contact your financial professional for more information.

We offer a variety of variable annuity contracts. Not every contract we issue is available through every selling broker-dealer. Upon request, your financial professional can provide information regarding our other variable annuity contracts that his or her broker-dealer makes available. You can also contact us to find out more about the availability of any of our variable annuity contracts.

Some selling broker-dealers may not recommend certain features and options of the Contract based on investor suitability criteria established by the selling broker-dealer. Before you purchase the Contract, you should ask your financial professional for details about the specific features and options of the Contract.

#### KEY INFORMATION
*Important information you should consider about the Pacific Life Growth and Income Annuity individual flexible premium deferred variable annuity contract.*

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| | | |
|:---|:---|:---|
| **FEES AND EXPENSES** | **FEES AND EXPENSES** | **LOCATION IN PROSPECTUS** |
| **Are There Charges or Adjustments for Early Withdrawals?** | **Yes.** If you withdraw money from your Contract during the first 5 years following your last Purchase Payment, you may be assessed a withdrawal charge. The maximum withdrawal charge is 2% of the Purchase Payment, declining to 0% after 5 years.<br>For example, if you make an early withdrawal, you could pay a withdrawal charge up to $2,000 on a $100,000 withdrawal. | **Fee Tables**<br>**Charges, Fees and Adjustments - Withdrawal Charge** |
| **Are There Transaction Charges?** | **No. There are no transaction charges under this Contract (for example, sales loads, charges for transferring Contract Value between Investment Options, or wire transfer fees).** |  |
| **Are There Ongoing Fees and Expenses?** | **Yes.** The table below describes the fees and expenses that you may pay *each year*. This Contract requires that you elect certain benefits (the living benefit rider and the death benefit rider) and there is only one Investment Option available. Please refer to your Contract specifications page for information about the specific fees you will pay each year. | **Charges Fees and Adjustments** <br>**Appendix: Investment Options Available Under the Contract**  |

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|:---|:---|:---|
| **FEES AND EXPENSES** | **FEES AND EXPENSES** | **LOCATION IN PROSPECTUS** |
| | | **Charges, Fees and Adjustments – Living Benefit Rider Charges** <br>**Charges, Fees and Adjustments – Mortality and Expense Risk Charge and Death Benefit Rider Charge**  |
| **ANNUAL FEES**  | **ANNUAL FEES**  | **Charges, Fees and Adjustments – Living Benefit Rider Charges** <br>**Charges, Fees and Adjustments – Mortality and Expense Risk Charge and Death Benefit Rider Charge**  |
| 1. Base Contract | 1. Base Contract<br> 0.85%<sup>1</sup> | **Charges, Fees and Adjustments – Living Benefit Rider Charges** <br>**Charges, Fees and Adjustments – Mortality and Expense Risk Charge and Death Benefit Rider Charge**  |
| 2. Portfolio Company fees and expenses | 2. Portfolio Company fees and expenses<br> 0.68%<sup>2</sup> | **Charges, Fees and Adjustments – Living Benefit Rider Charges** <br>**Charges, Fees and Adjustments – Mortality and Expense Risk Charge and Death Benefit Rider Charge**  |
| 3. Benefits (for a single option) | 3. Benefits (for a single option)<br> See Rate Sheet Supplement<sup>3</sup> See Rate Sheet Supplement <sup>3</sup> | **Charges, Fees and Adjustments – Living Benefit Rider Charges** <br>**Charges, Fees and Adjustments – Mortality and Expense Risk Charge and Death Benefit Rider Charge**  |
| **To help you understand the cost of owning your Contract, the following table shows the lowest and highest cost you could pay <u>each year based on current charges</u>. This estimate assumes that you do not take withdrawals from the Contract, which could add withdrawal charges that substantially increase costs.** | **To help you understand the cost of owning your Contract, the following table shows the lowest and highest cost you could pay <u>each year based on current charges</u>. This estimate assumes that you do not take withdrawals from the Contract, which could add withdrawal charges that substantially increase costs.** | **Charges, Fees and Adjustments – Living Benefit Rider Charges** <br>**Charges, Fees and Adjustments – Mortality and Expense Risk Charge and Death Benefit Rider Charge**  |
| **Lowest Annual Cost: See Rate Sheet Supplement** | **Highest Annual Cost: See Rate Sheet Supplement** | **Charges, Fees and Adjustments – Living Benefit Rider Charges** <br>**Charges, Fees and Adjustments – Mortality and Expense Risk Charge and Death Benefit Rider Charge**  |
| Assumes:<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Investment of $100,000<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 5% annual appreciation<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Least expensive combination of base Contract and Fund fees and expenses<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Least expensive living benefit rider and death benefit rider<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· No sales charges<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· No additional purchase payments, transfers, or withdrawals | Assumes:<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Investment of $100,000<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 5% annual appreciation<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Most expensive combination of base Contract, rider benefits, and Fund fees and expenses<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· No sales charges<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· No additional purchase payments, transfers, or withdrawals | **Charges, Fees and Adjustments – Living Benefit Rider Charges** <br>**Charges, Fees and Adjustments – Mortality and Expense Risk Charge and Death Benefit Rider Charge**  |

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<sup>1</sup> As a percentage of the average daily Variable Account Value. This percentage includes the Mortality and Expense Risk Charge and the Administrative Fee.

<sup>2</sup> As a percentage of Fund assets.

#### <sup>3</sup> As a percentage of the Protected Payment Base (for the living benefit) and average daily Variable Account Value (for the death benefit).

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|:---|:---|:---|
| **RISKS** | **RISKS** | **LOCATION IN PROSPECTUS** |
| **Is There a Risk of Loss from Poor Performance?** | **Yes**. You can lose money by investing in the Contract, including 100% loss of principal and previous earnings. | **Principal Risks of Investing in the Contract** |
| **Is this a Short-Term Investment?** | **No**. This Contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash. <br>Withdrawal charges may apply for the first 5 years following your last purchase payment and will reduce the Contract Value if you withdraw money during that time.<br>The benefits of tax deferral, long-term income, and living benefits are generally more beneficial to investors with a long-term investment horizon. | **Principal Risks of Investing in the Contract**<br>**Charges, Fees and Deductions - Withdrawal Charge** |
| **What Are the Risks Associated with the Investment Options?** | An investment in this Contract is subject to the risk of poor investment performance and can vary depending on the performance of the Investment Option available under the Contract (e.g. Fund).<br>The Investment Option will have its own unique risks. Since only one Investment Option is available, if you are not satisfied with the Investment Option or if it does not meet your investment objectives, you may have to surrender this Contract and forego any benefits provided. | **Principal Risks of Investing in the Contract**<br>**Appendix: Investment Options Available Under**  |

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|:---|:---|:---|
| **RISKS** | **RISKS** | **LOCATION IN PROSPECTUS** |
|  | You should review, working with your financial professional, the Investment Option before making an investment decision. | **the Contract** |
| **What Are the Risks Related to the Insurance Company?** | An investment in this Contract is subject to the risks related to us, and any obligations, guarantees, or benefits are subject to our claims-paying ability. If we experience financial distress, we may not be able to meet our obligations to you. More information about us, including our financial strength ratings, is available upon request by calling (800) 722-4448 or visiting our website at www.PacificLife.com. | **Principal Risks of Investing in the Contract**<br>**Pacific Life and the Separate Account** |

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|:---|:---|:---|
| **RESTRICTIONS** | **RESTRICTIONS** | **LOCATION IN PROSPECTUS** |
| **Are There Limits on the Investments Options?** | **Yes**. One Investment Option is available for investment.<br>The Fund may stop accepting additional investments and may liquidate. <br>We reserve the right to remove, close to new investment, or substitute the Fund as an Investment Option. If the Fund is substituted for another Fund, the new Fund will have a similar investment objective, investment strategy, and fees and expenses. The Fidelity VIP Government Money Market Portfolio can be used in the event the Fund is liquidated. | **Appendix: Investment Options Available Under the Contract** |
| **Are There Any Restrictions on Contract Benefits?** | **Yes**. You must purchase a living benefit rider and a death benefit rider with this Contract. <br>Taking a withdrawal before age 59½ or a withdrawal that is greater than the annual withdrawal amount ("excess withdrawal") under the living benefit rider may result in adverse consequences such as a permanent reduction in rider benefits, the failure to receive lifetime withdrawals under the rider, or termination of the rider. Taking a withdrawal (excluding an Emergency Withdrawal) during the ten-year period when an annual credit may be applied, will discontinue any future annual credits. Taking a withdrawal may reduce the benefits provided by the death benefit rider. <br>The optional death and/or living benefits may not be available through your financial professional or your state. You may obtain information about the optional benefits that are available to you by contacting your financial professional.  | **Death Benefits**<br>**Death Benefit Riders**<br>**Optional Living Benefit Rider**<br>**Appendix: Investment Options Available Under the Contract** |

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|:---|:---|:---|
| **TAXES** | **TAXES** | **LOCATION IN PROSPECTUS** |
| **What Are the Contract's Tax Implications?** | You should consult with a tax professional to determine the tax implications of an investment in and payments received under the Contract.<br>It is important to know that IRAs and Qualified Plans are already tax-deferred which means the tax deferral feature of a variable annuity does not provide a benefit in addition to that already offered by an IRA or Qualified Plan. An annuity contract should only be used to fund an IRA or Qualified Plan to benefit from the annuity's features other than tax deferral.<br>Withdrawals will be subject to ordinary income tax and may be subject to a tax penalty if you take a withdrawal before age 59½.  | **Federal Tax Issues**<br>**Principal Risks of Investing in the Contract – Tax Consequences** |

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|:---|:---|:---|
| **CONFLICTS OF INTEREST** | **CONFLICTS OF INTEREST** | **LOCATION IN PROSPECTUS** |
| **How Are Investment Professionals Compensated?** | Some financial professionals may receive compensation for selling this Contract to you in the form of commissions, additional payments, non-cash compensation, and/or reimbursement of expenses. These financial professionals may have a financial incentive to offer or recommend this Contract over another investment that may pay less compensation.  | **Distribution Arrangements** |

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|:---|:---|:---|
| **CONFLICTS OF INTEREST** | **CONFLICTS OF INTEREST** | **LOCATION IN PROSPECTUS** |
| **Should I Exchange My Contract?** | Some financial professionals may have a financial incentive to offer you a new contract in place of the one you already own.<br>You should only exchange your contract if you determine, after comparing the features, fees, and risks of both contracts, and any fees or penalties to terminate the existing contract, that it is preferable for you to purchase the new contract rather than continue to own the existing contract.  | **Replacement of Life Insurance or Annuities** |

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#### BENEFITS AVAILABLE UNDER THE CONTRACT
The following tables summarize information about the benefits available under the Contract.

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| | | | |
|:---|:---|:---|:---|
| **Standard Benefits (No Additional Charge)** | **Standard Benefits (No Additional Charge)** | **Standard Benefits (No Additional Charge)** | **Standard Benefits (No Additional Charge)** |
| **Name of Benefit** | **Purpose** | **Maximum Annual Fee** | **Brief Description of Restrictions/Limitations** |
| Pre-Authorized Withdrawals | Allows you to automatically take partial withdrawals from the Contract | No Charge | · Withdrawals can occur monthly, quarterly, semi-annually, or annually.<br>· Withdrawals will reduce Contract Value and may reduce benefits. The reduction to a benefit may be more than the amount withdrawn, and could terminate a benefit. <br>· Withdrawals may be subject to taxes and potential tax penalties.<br>· Only available prior to the Annuity Date.<br>· We may discontinue, modify, or suspend this service at any time. |
| **Living Benefits – Required to Select One (Additional Charges Apply)** | **Living Benefits – Required to Select One (Additional Charges Apply)** | **Living Benefits – Required to Select One (Additional Charges Apply)** | **Living Benefits – Required to Select One (Additional Charges Apply)** |
| **Name of Benefit** | **Purpose** | **Maximum Annual Fee** | **Brief Description of Restriction/Limitations** |
| Guaranteed Lifetime Withdrawal Benefit  | This benefit focuses on providing guaranteed lifetime periodic withdrawals, regardless of market performance, on a single life (the Designated Life) or on joint lives (the Designated Lives). Provides for an amount to be added to the protected amount, which may increase the amount you can withdraw in future years. | 2.00% (as a percentage of Protected Payment Base) | · Must be elected at Contract purchase.<br>· Offers a single life option or a joint life option.<br>· All Designated Lives must be at least age 45 but not older than age 80 at purchase.<br>· Lifetime withdrawals are available starting at age 59½ (youngest Designated Life for the joint option).<br>· An Annual Credit amount that may be added to the protected amount stops on the earliest of the first withdrawal or 10 contract anniversaries.<br>· Taking a withdrawal before the Designated Life (youngest Designated Life for the joint option) is age 59½ or withdrawal amounts that are greater than what is allowed on an annual basis after age 59½ may adversely affect the benefits provided, including the ability to receive lifetime withdrawals under the rider.<br>· May not voluntarily terminate the rider. <br>· Benefit and benefit charges terminate upon annuitization. |

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|:---|:---|:---|:---|
| **Death Benefits - Required to Select One (Additional Charges Apply)** | **Death Benefits - Required to Select One (Additional Charges Apply)** | **Death Benefits - Required to Select One (Additional Charges Apply)** | **Death Benefits - Required to Select One (Additional Charges Apply)** |
| **Name of Benefit** | **Purpose** | **Maximum Annual Fee** | **Brief Description of Restriction/Limitations** |
| Return of Purchase Payments Death Benefit | Provides a death benefit equal to the greater of the Contract Value or the total of all Purchase Payments adjusted for withdrawals. | 0.15% (as a percentage of average daily Variable Account Value) | · Not available for Contracts issued in California.<br>· Must be elected at Contract purchase.<br>· Must be 80 or younger on the Contract Date.<br>· Certain ownership changes may reduce benefits.<br>· Withdrawals may reduce this benefit and the reduction made may be greater than the actual amount withdrawn.<br>· Benefit and benefit charges terminate upon annuitization or when the Contract Value is reduced to zero.<br>· May not voluntarily terminate the rider.  |
| Return of Purchase Payments Death Benefit II | Provides a death benefit equal to the greater of the Contract Value or the total of all Purchase Payments adjusted for withdrawals. | 0.15% (as a percentage of average daily Variable Account Value) | · Only available for Contracts issued in California.<br>· Must be elected at Contract purchase.<br>· Must be 80 or younger on the Contract Date.<br>· Withdrawals may reduce this benefit and the reduction made may be greater than the actual amount withdrawn.<br>· Benefit and benefit charges terminate upon annuitization or when the Contract Value is reduced to zero.<br>· May not voluntarily terminate the rider. |

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#### BUYING THE CONTRACT
To purchase a Contract, you must purchase a living benefit rider, a death benefit rider, and work with your financial professional to fill out an application and submit it along with your initial Purchase Payment to Pacific Life Insurance Company at P.O. Box 2290, Omaha, Nebraska 68103-2290. We reserve the right to reject any application or Purchase Payment.

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|:---|:---|:---|
|  | Non-Qualified Contracts | Qualified Contracts |
| Minimum Initial Purchase Payment | $50000 | $50000 |
| Additional Purchase Payments  | Any additional Purchase Payments must be made in connection with a Code Section 1035 transfer/exchange request which is submitted with your Contract application. Multiple Purchase Payments are permitted if all expected Purchase Payments are indicated on the Contract application and are received within 90 calendar days. | Any additional Purchase Payments must be made in connection with a Code Section 1035 transfer/exchange request which is submitted with your Contract application. Multiple Purchase Payments are permitted if all expected Purchase Payments are indicated on the Contract application and are received within 90 calendar days. |
| Maximum Total 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 $2,00,000 without our consent. We reserve the right to change this administrative practice in the future. The aggregate amount is based on all contracts where you are either  | 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 $2,00,000 without our consent. We reserve the right to change this administrative practice in the future. The aggregate amount is based on all contracts where you are either  |

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<br>   <u>Non-Qualified Contracts</u> <u>Qualified Contracts</u> <br>   <u>the owner and/or annuitant.</u>

**Initial Purchase Payment.** If your application and initial Purchase Payment are complete when received, or once they have become complete, we will issue your Contract within 2 Business Days. Your initial Purchase Payment is allocated on the Business Day we issue your Contract. If some information is missing from your application, we may delay issuing your Contract while we obtain the missing information. However, we will not hold your initial Purchase Payment for more than 5 Business Days without your permission.

#### MAKING WITHDRAWALS: ACCESSING THE MONEY IN YOUR CONTRACT

#### Optional Withdrawals
You may, on or prior to your Annuity Date, withdraw all or a portion of the amount available under your Contract while the Owner (Annuitant in the case of a Non-Natural Owner) is living and your Contract is in force. If you surrender your Contract it will be terminated as of the Effective Date of the withdrawal. You may request to withdraw a specific dollar amount or a specific percentage of an Account Value or your Contract Value.

Withdrawal requests we receive before the close of the New York Stock Exchange, which usually closes at 4:00 p.m. Eastern time, will be effective at the end of the same Business Day that we receive them In Proper Form unless the transaction or event is scheduled to occur on another Business Day. We will normally send the proceeds within 7 calendar days after your request is effective.

To make a withdrawal request, you can call (800) 722-4448 or send a written request, In Proper Form, to Pacific Life Insurance Company at P.O. Box 2290, Omaha, Nebraska 68103-2290.

#### Limits on Withdrawal Amounts
Each partial withdrawal must be for $500 or more. Pre-authorized partial withdrawals must be at least $250, except for pre-authorized withdrawals distributed by Electronic Funds Transfer (EFT), which must be at least $100.

#### Amount Available for Withdrawal
The amount available for withdrawal is your Contract Value at the end of the Business Day on which your withdrawal request is effective, less any applicable rider charges, withdrawal charge, and any charge for premium taxes and/or other taxes. The amount we send to you (your "withdrawal proceeds") will also reflect any required or requested federal and state income tax withholding. See **FEDERAL TAX ISSUES** and **THE GENERAL ACCOUNT** in the prospectus.

There are various situations in which a withdrawal charge may not apply. See **CHARGES, FEES AND DEDUCTIONS –Withdrawal Charge** in the prospectus for more information.

#### Negative Impact on Benefit Values
For a guaranteed minimum withdrawal benefit rider, taking a withdrawal before age 59½ or a withdrawal that is greater than the allowed annual withdrawal amount under a rider, may result in adverse consequences such as a reduction in rider benefits, failure to receive lifetime withdrawals under the rider, or termination of the rider. For a death benefit rider, taking a withdrawal may reduce the benefits provided by the benefit.

You assume investment risk on Purchase Payments in the Variable Investment Options. As a result, the amount available to you for withdrawal from any Variable Investment Option may be more or less than the total Purchase Payments you have allocated to that Variable Investment Option.

#### ADDITIONAL INFORMATION ABOUT FEES
**The following tables describe the fees, expenses, and adjustments that you will pay when buying, owning, and surrendering or making withdrawals from an Investment Option or from the Contract. Please refer to your Contract specifications page for information about the specific fees you will pay each year based on the options you have elected.**

**The first table describes the fees and expenses that you will pay at the time that you surrender or make withdrawals from an Investment Option or from the Contract. State premium taxes may also be deducted.**

#### Transaction Expenses

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| | |
|:---|:---|
| **Maximum Withdrawal Charge** (as a percentage of Purchase Payments or Contract Value)<sup>1</sup>  | 2% |

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<sup>1</sup> Below is the range of Withdrawal Charges under the Contract. See **CHARGES, FEES AND ADJUSTMENTS – Withdrawal Charge –** *How the Withdrawal Charge is Determined* for additional information.

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| | |
|:---|:---|
| **"Age" of Payment in Years:**<sub>1</sub> | 6 or more |

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| | | |
|:---|:---|:---|
| **Withdrawal Charge Percentage:** | 2% | 0% |

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**The next table describes the fees and expenses that you will pay *each year* during the time that you own the Contract (not including Fund fees and expenses). You will pay additional charges for the required benefit, as shown below.**

#### Annual Contract Expenses

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| | |
|:---|:---|
| **Base Contract Expenses** (as a percentage of average daily Variable Account Value or Contract Value)<sup>2</sup>  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0.85% |
| **Benefit Expenses**  |  |
| *Guaranteed Minimum Withdrawal Benefit Maximum Charge* (as a percentage of the Protected Payment Base)<sup>3</sup> |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Guaranteed Lifetime Withdrawal Benefit  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.00% |
| *Death Benefit Maximum Charge* (as a percentage of average daily Variable Account Value) |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Return of Purchase Payments Death Benefit Rider (including California version)  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0.15% |

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<sup>2</sup> This percentage includes the Mortality and Expense Risk Charge and the Administrative Fee. The Mortality and Expense Risk Charge and the Administrative Fee will stop at the Annuity Date. See the **Mortality and Expense Risk Charge** and **Administrative Fee** sections for more information.

<sup>3</sup> The current charge for new elections for these riders is disclosed in a Rate Sheet Prospectus Supplement.

**The next item shows the minimum and maximum total operating expenses charged by the Funds that you may pay periodically during the time that you own the Contract. Expenses shown may change over time and may be higher or lower in the future. A complete list of Investment Options available under the Contract, including their annual expenses, may be found in the APPENDIX: INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT.**

<br> #### Annual Fund Expenses
Expenses that are deducted from fund assets, including management fees, distribution and/or service (12b-1) fees, and other expenses.

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| | |
|:---|:---|
| **Minimum** | **Maximum** |
| 0.68% | 0.68% |

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#### Examples
The Examples are intended to help you compare the cost of investing in the Variable Options with the cost of investing in other annuity contracts that offer variable options. These costs include transaction expenses, annual Contract expenses, and annual Fund expenses.

The Example assumes all Contract Value is allocated to the Variable Options.

The example assumes that you invest $100,000 in the Variable Options for the time periods indicated. The Example also assumes that your investment has a 5% return each year and assumes the most expensive combination of annual Fund expenses and rider benefits available for an additional charge. Although your actual costs may be higher or lower, based on these assumptions, your costs would be:

· If you surrendered your Contract at the end of the applicable time period:

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| | | | |
|:---|:---|:---|:---|
| **1 Year** | **3 Years** | **5 Years** | **10 Years** |
| $5508 | $13290 | $21555 | $42471 |

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· If you annuitized your Contract at the end of the applicable time period:

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| | | | |
|:---|:---|:---|:---|
| **1 Year** | **3 Years** | **5 Years** | **10 Years** |
| $5508 | $11490 | $19755 | $42471 |

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· If you do not surrender, or annuitize your Contract:

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| | | | |
|:---|:---|:---|:---|
| **1 Year** | **3 Years** | **5 Years** | **10 Years** |
| $3708 | $11490 | $19755 | $42471 |

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#### APPENDIX: INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT
The following is a list of Funds available under the Contract. More information about the Funds is available in the prospectuses for the Funds, which may be amended from time to time and can be found online at https://pacificlife.onlineprospectus.net/pacificlife/products/. You can also request this information at no cost by calling (833) 455-0901 or by sending an email request to Prospectuses@PacificLife.com. For information about which Funds are available to you, please contact your financial professional or call us at the number above.

The current expenses and performance information below reflects fee and expenses of the Funds, but do not reflect the other fees and expenses that your Contract may charge. Expenses would be higher and performance would lower if these other charges were included. Each Fund's past performance is not necessarily an indication of future performance.

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| | | | | |
|:---|:---|:---|:---|:---|
| **Investment Objective** | **Current<br>Expenses** | **Average Annual Total Returns <br>(as of 12/31/2025)** | **Average Annual Total Returns <br>(as of 12/31/2025)** | **Average Annual Total Returns <br>(as of 12/31/2025)** |
|  |  | **1 Year** | **5 Year** | **10 Year** |
| Seeks high total return.<br> **Fidelity<sup>®</sup> VIP FundsManager<sup>®</sup> 60% Portfolio Investor Class**; Fidelity Management & Research Company LLC | 0.63%<sup>1</sup> | 15.71% | 6.67% | 8.19% |
| Seeks as high a level of current income as is consistent with preservation of capital and liquidity.<br> **Fidelity<sup>®</sup> VIP Government Money Market Portfolio Investor Class<sup>2</sup>**; Fidelity Management & Research Company LLC | 0.28% | 4.10% | 3.08% | 2.01% |

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<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.**

<sup>2</sup>The Fidelity VIP Government Money Market is only available for investment by California applicants age 60 or older during the Right to Cancel "Free Look" period. The Fidelity VIP Government Money Market can also be used in the event the Fund is liquidated.

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This Summary Prospectus incorporates by reference the prospectus and Statement of Additional Information for the Contract, both dated May 1, 2026, as supplemented. The SAI may be obtained, free of charge, in the same manner as the prospectus.

EDGAR Contract Identifier: C000237540

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