# EDGAR Filing Document

**Accession Number:** 0000935823
**File Stem:** 0001104659-25-077640
**Filing Date:** 2025-8
**Character Count:** 294094
**Document Hash:** 836d03f1c12595312cf199be44c960b1
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001104659-25-077640.hdr.sgml**: 20260320

**ACCESSION NUMBER**: 0001104659-25-077640

**CONFORMED SUBMISSION TYPE**: 485APOS

**PUBLIC DOCUMENT COUNT**: 4

**FILED AS OF DATE**: 20250813

**DATE AS OF CHANGE**: 20251205

**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:** 485APOS
- **SEC ACT:** 1940 Act
- **SEC FILE NUMBER:** 811-08946
- **FILM NUMBER:** 251212661

**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
**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:** 485APOS
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-261003
- **FILM NUMBER:** 251212660

**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   |
|:---|:---|:---|
| C000233932 | Pacific Choice 2 |  |

#### As filed with the Securities and Exchange Commission on August 13, 2025.

#### Registration Nos. 333-261003<br>811-08946 <br>

#### SECURITIES AND EXCHANGE COMMISSION <br> Washington, D.C. 20549

#### FORM N-4

---

| | |
|:---|:---|
| **REGISTRATION STATEMENT<br>UNDER<br>THE SECURITIES ACT OF 1933**  | **X** |
| **Pre-Effective Amendment No.**  | 🏳 |
| **Post-Effective Amendment No. 7**  | **X** |

---

#### and/or

---

| | |
|:---|:---|
| **REGISTRATION STATEMENT<br>UNDER<br>THE INVESTMENT COMPANY ACT OF 1940**  | **X** |

---

---

| | |
|:---|:---|
| **Amendment No. 887**<br>**(Check appropriate box or boxes)**  | **X** |

---

**SEPARATE ACCOUNT A** <br>(Exact Name of Registrant)

**PACIFIC LIFE INSURANCE COMPANY** <br>(Name of Depositor)

**700 Newport Center Drive<br>Newport Beach, California 92660**<br>(Address of Depositor's Principal Executive Offices) (Zip Code)

**(949) 219-3011**<br>(Depository's Telephone Number, including Area Code)

#### Alison Ryan
**Assistant Vice President and Managing Assistant General Counsel II<br>Pacific Life Insurance Company<br>700 Newport Center Drive<br>Newport Beach, California 92660**<br>(Name and Address of Agent for Service)

------

**Approximate Date of Proposed Public Offering:** 

It is proposed that this filing will become effective (check appropriate box)

O immediately upon filing pursuant to paragraph (b) of Rule 485<br>O on <u>[ ]</u> pursuant to paragraph (b) of Rule 485<br>X 60 days after filing pursuant to paragraph (a)(1) of Rule 485<br>O on ________ pursuant to paragraph (a)(1) of Rule 485

If appropriate, check the following box:

O This post-effective amendment designates a new effective date for a previously filed post-effective amendment.

------

**Supplement dated [ ], 2025 to the Statutory Prospectus and Initial Summary Prospectus dated May 1, 2025**

**for the**

**Pacific Choice 2 individual flexible premium deferred variable annuity contracts**

**issued by Pacific Life Insurance Company**

Capitalized terms used in this supplement are defined in the Pacific Choice 2 variable 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.

This Rate Sheet Prospectus Supplement ("Supplement") should be read, retained, and used in conjunction with the effective Prospectus and replaces and supersedes any previously issued Rate Sheet Prospectus Supplement. If you would like another copy of a current prospectus, you may obtain one by visiting www.Pacificlife.com/Prospectuses or by calling us at (800) 722-4448 to request a free copy. All Rate Sheet Prospectus Supplements are also available on the EDGAR system at www.sec.gov by typing the variable annuity product name "Pacific Choice 2," as applicable under EDGAR Search Tools - Variable Insurance Products.

We are issuing this Supplement to update the Ongoing Fees and Expenses (annual charges) for the Contract provided in the "IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT" section of the Initial Summary Prospectus, taking into account the current fees for the optional benefits disclosed in this Rate Sheet Prospectus Supplement.

This Rate Sheet Supplement also provides current rate information for the Annual Charge for the Investment Guard (5 Year, 7 Year and 10 Year Options) optional riders in effect on or after the date below. For complete information about the Investment Guard (5 Year, 7 Year and 10 Year Options), see the Prospectus.

**The percentages below apply for applications signed on or after November 1, 2025.**

**This Supplement has no specified end date and can be superseded at any time subject to certain notice requirements. The rate information in this Supplement may not be superseded or changed until a new Supplement is filed at least 10 business days before the effective date of the new Supplement. Please work with your financial professional, visit www.PacificLife.com/Prospectuses or call us at (800) 748-6907 to confirm the most current percentages.**

**IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT**

---

| | | | |
|:---|:---|:---|:---|
| **Are There Ongoing Fees and Expenses?** | **Yes.** The table below describes the fees and expenses that you may pay *each year*, depending on the options you choose. 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. | **Yes.** The table below describes the fees and expenses that you may pay *each year*, depending on the options you choose. 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. | **Yes.** The table below describes the fees and expenses that you may pay *each year*, depending on the options you choose. 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. |
|  | &nbsp;&nbsp;**ANNUAL FEES** | &nbsp;&nbsp;**MINIMUM** | &nbsp;&nbsp;**MAXIMUM** |
|  | 1. Base Contract | 1.00%<sup>1,2</sup> | 1.10%<sup>1</sup> |
|  | 2. Investment Options (Fund fees and expenses) | 0.28%<sup>3</sup> | 2.54%<sup>3</sup> |
|  | 3. Optional Benefits (for a single optional benefit, if elected) | [0.10%]<sup>4</sup> | [1.50]%<sup>4</sup> |

---

**Lowest Annual Cost: $1,261.65** **Highest Annual Cost: $5,113.97** 

Assumes:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;●Investment
 of $100,000&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;●5%
 annual appreciation&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;●Least
 expensive combination of base Contract and Fund fees and expenses&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;●No
 optional benefits&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;●No
 sales charges&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;●No
 additional purchase payments, transfers, or withdrawals&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;●No
 loans or loan interest charges Assumes: &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; ● Investment of $100,000 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; ● 5% annual appreciation &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; ● Most expensive combination of base Contract, optional benefits, and Fund fees and expenses &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; ● No sales charges &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; ● No additional purchase payments, transfers, or withdrawals &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; ● No loans or loan interest charges

---

| | |
|:---|:---|
| 1 | As a percentage of the average daily Variable Account Value. This percentage includes the Mortality and Expense Risk Charge and the Administrative Fee. |
| 2 | The Mortality and Expense Risk Charge for contracts under $500,000 is 0.85%. The Mortality and Expense Risk Charge is reduced by 0.05% for the upcoming Contract quarter if the Contract Value is between $500,000 and $999,999.99. The Mortality and Expense Risk Charge is reduced by 0.10% for the upcoming Contract quarter if the Contract Value is equal to or greater than $1,000,000. The Contract Value is calculated on the later of the Issue Date or most recent Contract Quarterly Anniversary. |
| 3 | As a percentage of Fund assets. |
| 4 | As a percentage of the Protected Base (depending on the optional living benefit selected) and average daily Variable Account Value (for an optional death benefit). |

---

The current Annual Charges are the following:

---

| | |
|:---|:---|
| **Rider Name** | **Annual Charge Percentage** |
| Investment Guard (5 Year Option) – 10% Buffer | [0.95%] |
| Investment Guard (7 Year Option) – 10% Buffer | [0.60%] |
| Investment Guard (7 Year Option) – 15% Buffer | [0.85%] |
| Investment Guard (10 Year Option) – 10% Buffer | [0.40%] |
| Investment Guard (10 Year Option) – 15% Buffer | [0.50%] |
| Investment Guard (10 Year Option) – 20% Buffer | [0.70%] |

---

In order for you to receive the percentages reflected above, your application must be signed on or after the date referenced above, your application must be received, In Proper Form, within 14 calendar days after the application

sign date, and we must receive, In Proper Form, the initial Purchase Payment within 60 calendar days after the application sign date. Once the rider is issued, your percentages will not change as long as you own the rider.

Subject to meeting the timelines referenced above, on the issue date, if current percentage rates have changed since the date you signed your application, the following will apply:

● If the Annual Charge Percentage <u>decreased</u>, you will receive the lower percentage in effect on your issue date.

However, if the Annual Charge Percentage increased, you will receive the Annual Charge Percentages in effect on the date you signed your application.

If the necessary paperwork and initial Purchase Payment are not received within the timeframes stated above, you will receive the applicable percentages in effect as of the Contract issue date.

If you purchased a Rider, review the Rate Sheet Prospectus Supplement provided to you at Contract issue, review the Rider specifications page you receive for your Contract, speak with your financial professional, or call us to confirm the percentages applicable to you. If you repurchase a Rider at the end of a term, you will receive the Rider features in effect on the Contract Anniversary Date. You can speak with your financial professional or call us at (800) 722-4448 to confirm the percentages applicable to you.

**Please work with your financial professional or call us at (800) 722-4448 prior to submitting your paperwork if you have any questions.**

Form No. [PC2RSS ]

**Supplement dated [ ] to the Statutory Prospectus dated May 1, 2025, for the Pacific Choice 2 variable annuity contract issued by Pacific Life Insurance Company**

***The purpose of this supplement is to add disclosure to allow for use of a Rate Sheet Supplement to disclose certain rate information about Investment Guard starting [ ], 2025.*** This supplement must be preceded or accompanied by the Statutory Prospectus for your Contract as applicable, as supplemented. All information in your Prospectus dated May 1, 2025, remains in effect unless otherwise supplemented. Capitalized terms used in this supplement are defined in your Statutory 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 Pacific Life at (800) 722-4448, or online at http://www.pacificlife.com/prospectuses Please retain it for future reference.

**The effective date for the below changes is [ ], and applies to contracts signed on or after [ ].**

***The Optional Benefit Expenses and Examples subsections in the Annual Contract Expenses section is hereby deleted and replaced with following:***

*Guaranteed Minimum Accumulation Benefit Maximum Charges (as a percentage of the Protected Base)*

---

| | |
|:---|:---|
| Investment Guard (5 Year Option)<sup>\*</sup> | 3.5% |
| Investment Guard (7 Year Option)<sup>\*</sup> | 3.5% |
| Investment Guard (10 Year Option)<sup>\*</sup> | 3.5% |

---

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

***The Investment Guard disclosure Optional Rider Charges subsection in the* CHARGES, FEES AND DEDUCTIONS *section is hereby deleted and replaced with the following:***

**Optional Rider Charges**

*The following disclosure applies to the Investment Guard (5-Year, 7-Year, and 10-Year Option) Riders.*

If you purchase an optional rider listed in the table below, we will deduct an annual charge from your Variable Investment Options on a proportionate basis. Deductions against your Variable Investment Options are made by debiting some of the Subaccount Units previously credited to your Contract. The charge is deducted every 3 months following the Rider Effective Date ("Quarterly Rider Anniversary"). The Rider charge will be deducted while the Rider remains in effect and when the Rider terminates. The charge is deducted in arrears each Quarterly Rider Anniversary. Once the Rider is issued, your annual charge will not change as long as you own the Rider. **You will find the current annual charge percentage in the Rate Sheet Prospectus Supplement applicable to your Contract.**

As provided below, if your Rider terminates on a Quarterly Rider Anniversary, the entire charge for the prior quarter will be deducted on that anniversary. If the Rider terminates prior to a Quarterly Rider Anniversary for reasons other than when a death benefit becomes payable under the Contract, a prorated charge will be deducted on the earlier of the day the Contract terminates or on the Quarterly Rider Anniversary immediately following the day your Rider terminates. The charge will be determined as of the day your Rider terminates.

If your Rider terminates when the death benefit becomes payable under the Contract, any annual charge deducted between the date of death and the Notice Date will be prorated as applicable to the date of death and added to the Contract Value on the Notice Date.

If you make a full withdrawal of the amount available for withdrawal during a Contract Year, we will deduct the charge from the final payment made to you.

We will waive the charge for the quarter in which full annuitization of the Contract occurs and the annual charge will no longer be deducted.

*Annual Charge Percentage Table*

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp; **Optional Living Benefit Rider** **<sup>1</sup>** | **Current<br> Annual <br> Charge <br> Percentage** | **Maximum Annual<br> Charge Percentage<br> Under the Rider** | **The Charge is <br> deducted on each:** |
| &nbsp;&nbsp;Investment Guard (5-Year Option) – 10% Buffer | See Rate Sheet Prospectus Supplement | 3.50% Protected Base<sup>2</sup> | Quarterly Rider Anniversary |
| &nbsp;&nbsp;Investment Guard (7-Year Option) – 10% Buffer | See Rate Sheet Supplement | 3.50% Protected Base<sup>2</sup> | Quarterly Rider Anniversary |
| &nbsp;&nbsp;Investment Guard (7-Year Option) – 15% Buffer | See Rate Sheet Supplement | 3.50% Protected Base<sup>2</sup> | Quarterly Rider Anniversary |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Investment Guard (10-Year Option) – 10% Buffer | See Rate Sheet Supplement | 3.50% | Quarterly Rider Anniversary |
| &nbsp;&nbsp;Investment Guard (10-Year Option) – 15% Buffer | See Rate Sheet Supplement | 3.50% Protected Base<sup>2</sup> | Quarterly Rider Anniversary |
| &nbsp;&nbsp;Investment Guard (10-Year Option) – 20% Buffer | See Rate Sheet Supplement | 3.50% Protected Base<sup>2</sup> | Quarterly Rider Anniversary |

---

<sup>1</sup> The table above reflects the current and maximum annual charge percentages for each applicable rider. To confirm which annual charge percentage applies to your rider, speak with your financial professional or call us at (800) 722-4448 to confirm the current rider charges that apply to you.

<sup>2</sup> The Protected Base is the Contract Value at the start of a Term, plus any subsequent Purchase Payments received during the first year of a Term, less an adjustment for withdrawals (on a pro rata basis) made during the Term. The Contract Value on the Contract Date is equal to the initial Purchase Payment. See the Sample Calculations section in each Rider for numerical examples of how the Protected Base changes.

***The* OPTIONAL LIVING BENEFIT RIDERS *section is amended to add the following subsection:***

*Rate Sheet Prospectus Supplement*

A Rate Sheet Prospectus Supplement is currently used for Investment Guard (5-Year, 7-Year, and 10-Year Option) Riders. This supplement is a periodic supplement to the prospectus that discloses the Annual Charge Percentage. You can obtain current percentage rates by calling your financial professional, visiting www.PacificLife.com/prospectuses, or by calling us at (800) 722-4448.

To receive the applicable annual charge percentage in a supplement, your application must be signed on or after the date referenced in the supplement, your application must be received, In Proper Form, within 14-calendar days after the date you sign your application, and we must receive, In Proper Form, the initial Purchase Payment within 60-calendar days after the date you sign your application. Once the Rider is issued, your annual charge percentage will not change as long as you own the Rider.

Subject to meeting the timelines referenced in the applicable supplement, on the issue date, if the rates we are currently offering have changed since the date you signed your application, the following will apply:

● If the Annual Charge Percentage decreased, you will receive the lower percentage in effect on your issue date.

However, if Annual Charge Percentage increased, you will receive the Annual Charge Percentage in effect on the date you signed your application.

If the necessary paperwork and initial Purchase Payment are not received within the timeframes stated in the applicable supplement, you will receive the applicable percentages in effect as of the Contract issue date.

If you purchased a Rider, review the Rate Sheet Prospectus Supplement provided to you at Contract issue, review the rider specifications page you receive for your Contract, speak with your financial professional, or call us at (800) 722-4448 to confirm the percentages applicable to you. If you repurchase a Rider at the end of a term, you will receive the Rider features in effect on the Contract Anniversary Date. You can speak with your financial professional or call us at (800) 722-4448 to confirm the percentages applicable to you.

**Form No. PC2SUPP[ ]25**

Prospectus

[(Included in Registrant's Form N-4, File No. 333-261003 Accession No. 0001104659-25-039286 filed on April 25, 2025, and incorporated by reference herein.)](https://www.sec.gov/ix?doc=/Archives/edgar/data/935823/000110465925039286/tm255217d1_485bpos.htm)

------

SAI

[(Included in Registrant's Form N-4, File No. 333-261003 Accession No. 0001104659-25-039286 filed on April 25, 2025, and incorporated by reference herein.)](https://www.sec.gov/ix?doc=/Archives/edgar/data/935823/000110465925039286/tm255217d1_485bpos.htm)

------

#### PART C: OTHER INFORMATION (Pacific Choice 2)

#### Item 27. Exhibits

---

| | |
|:---|:---|
| (1) | **Board of Directors Resolution** |
| (a) | Resolution of the Board of Directors of the Depositor authorizing establishment of Separate Account A and Memorandum establishing Separate Account A; included in Registrant's Form N-4, File No. 033-88460, Accession No. 0000898430-96-001377 filed on April 19, 1996, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/0001017062-98-000945.txt](https://www.sec.gov/Archives/edgar/data/935823/0001017062-98-000945.txt) |
| (b) | Resolution of the Board of Directors of Pacific Life Insurance Company authorizing conformity to the terms of the current Bylaws; included in Registrant's Form N-4, File No. 033-88460, Accession No. 0001017062-98-000945 filed on April 29, 1998, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/0001017062-98-000945.txt](https://www.sec.gov/Archives/edgar/data/935823/0001017062-98-000945.txt) |
| (2) | **Custodian Agreements** |
|  | Inapplicable |
| (3) | **Underwriting Contracts** |
| (a) | Distribution Agreement between Pacific Life Insurance Company, Pacific Life & Annuity Company and Pacific Select Distributors, Inc. (PSD) (Amended and Restated); included in registrant's Form N-4, File No. 333-250190, Accession No. 0001104659-23-113342 filed on November 1, 2023, and incorporated by reference herein. This exhibit can be found at [https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x3xa.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x3xa.htm) |
| (b) | Form of Selling Agreement between Pacific Life, PSD and Various Broker Dealers; included in Registrant's Form N-4, File No. 033-88460, Accession No. 0000892569-06-000528 filed on April 18, 2006, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000089256906000528/a12992exv99w3xby.htm](https://www.sec.gov/Archives/edgar/data/935823/000089256906000528/a12992exv99w3xby.htm) |
| (4) | **Contracts** |
| (a) | Individual Flexible Premium Deferred Variable Annuity Contract (Form No. ICC 10-1352)); Included in Registrant's Form N-4, File No. 333-261003, Accession No. 0001104659-21-137790 filed on November 12, 2021, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465921137790/a21-32393_1ex99d4a.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465921137790/a21-32393_1ex99d4a.htm) |
|  | Contract Specifications (Form No. ICC 10-1352-CS); Included in Registrant's Form N-4, File No. 333-261003, Accession No. 0001104659-21-137790 filed on November 12, 2021, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465921137790/a21-32393_1ex99d4a1.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465921137790/a21-32393_1ex99d4a1.htm) |
| (b) | Section 457(b) Plan Rider (Form No. ICC12:20-1271); included in Registration Statement on Form N-4, File No. 333-184973, Accession No. 0000950123-13-000795 filed on February 5, 2013, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000095012313000795/a60352a1exv99wx4yxcy.htm](https://www.sec.gov/Archives/edgar/data/935823/000095012313000795/a60352a1exv99wx4yxcy.htm) |

---

------

(c) Individual Retirement
Annuity Rider (Form No. ICC12:20-1266); included in Registration Statement on Form N-4, File No. 333-184973,
Accession No. 0000950123-13-000795 filed on February 5, 2013, and incorporated by reference herein. This
exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000095012313000795/a60352a1exv99wx4yxdy.htm](https://www.sec.gov/Archives/edgar/data/935823/000095012313000795/a60352a1exv99wx4yxdy.htm)

(d) Roth Individual Retirement Annuity Rider (Form No. ICC12:20-1267); included in
Registration Statement on Form N-4, File No. 333-184973, Accession No. 0000950123-13-000795 filed on
February 5, 2013, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000095012313000795/a60352a1exv99wx4yxey.htm](https://www.sec.gov/Archives/edgar/data/935823/000095012313000795/a60352a1exv99wx4yxey.htm)

(e) SIMPLE Individual Retirement Annuity Rider (Form No. ICC12:20-1268); included
in Registration Statement on Form N-4, File No. 333-184973, Accession No. 0000950123-13-000795 filed
on February 5, 2013, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000095012313000795/a60352a1exv99wx4yxfy.htm](https://www.sec.gov/Archives/edgar/data/935823/000095012313000795/a60352a1exv99wx4yxfy.htm)

(f) Qualified Retirement Plan Rider (Form No. ICC12:20-1269); included in Registration
Statement on Form N-4, File No. 333-184973, Accession No. 0000950123-13-000795 filed on February 5, 2013,
and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000095012313000795/a60352a1exv99wx4yxgy.htm](https://www.sec.gov/Archives/edgar/data/935823/000095012313000795/a60352a1exv99wx4yxgy.htm)

(g) DCA Plus Fixed Option Rider (Form No. ICC 11:20-1219); included in Registrant's
Form N-4, File No. 333-175279, Accession No. 0000950123-11-063391 filed on July 1, 2011, and incorporated
by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000095012311063391/a59352n4exv99w4xmy.htm](https://www.sec.gov/Archives/edgar/data/935823/000095012311063391/a59352n4exv99w4xmy.htm)

(h) Guaranteed
Withdrawal Benefit X Rider-Single Life (CIA Select) (Form No. ICC21:20-1260) ; Included in Registrant's
Form N-4, File No. 333-261003, Accession No. 0001104659-21-137790 filed on November 12, 2021, and incorporated
by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465921137790/a21-32393_1ex99d4h.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465921137790/a21-32393_1ex99d4h.htm)

(i) Guaranteed
Withdrawal Benefit X Rider-Joint Life (CIA Select) (Form No. ICC21:20-1261) ; Included in Registrant's
Form N-4, File No. 333-261003, Accession No. 0001104659-21-137790 filed on November 12, 2021, and incorporated
by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465921137790/a21-32393_1ex99d4i.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465921137790/a21-32393_1ex99d4i.htm)

(j) Guaranteed
Minimum Accumulation Benefit Rider (Investment Guard 5-Year, 10%) (Form No. ICC21:20-1356) ; Included
in Registrant's Form N-4, File No. 333-261003, Accession No. 0001104659-21-137790 filed on November
12, 2021, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465921137790/a21-32393_1ex99d4j.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465921137790/a21-32393_1ex99d4j.htm)

(k) Guaranteed
Minimum Accumulation Benefit Rider (Investment Guard 7-Year, 10%) (Form No. ICC21:20-1357) ; Included
in Registrant's Form N-4, File No. 333-261003, Accession No. 0001104659-21-137790 filed on November
12, 2021, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465921137790/a21-32393_1ex99d4k.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465921137790/a21-32393_1ex99d4k.htm)

(1) Guaranteed
Minimum Accumulation Benefit Rider (Investment Guard 7-Year, 15%) (Form No. ICC21:20-1358) ; Included
in Registrant's Form N-4, File No. 333-261003, Accession No. 0001104659-21-137790 filed on November
12, 2021, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465921137790/a21-32393_1ex99d4l.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465921137790/a21-32393_1ex99d4l.htm)

(m) Guaranteed Minimum Accumulation Benefit Rider (Investment Guard 10-Year, 10%)
(Form No. ICC21:20-1359) ; Included in Registrant's Form N-4, File No. 333-261003, Accession No. 0001104659-21-137790
filed on November 12, 2021, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465921137790/a21-32393_1ex99d4m.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465921137790/a21-32393_1ex99d4m.htm)

------

(n) Guaranteed Minimum Accumulation Benefit Rider (Investment Guard 10-Year, 15%)
(Form No. ICC21:20-1360) ; Included in Registrant's Form N-4, File No. 333-261003, Accession No. 0001104659-21-137790
filed on November 12, 2021, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465921137790/a21-32393_1ex99d4n.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465921137790/a21-32393_1ex99d4n.htm)

(o) Guaranteed
Minimum Accumulation Benefit Rider (Investment Guard 10-Year, 20%) (Form No. ICC21:20-1361) ; Included
in Registrant's Form N-4, File No. 333-261003, Accession No. 0001104659-21-137790 filed on November
12, 2021, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465921137790/a21-32393_1ex99d4o.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465921137790/a21-32393_1ex99d4o.htm)

(p) Return
of Purchase Payments Death Benefit Rider (Form No. ICC21:20-1125-B) ; Included in Registrant's Form
N-4, File No. 333-261003, Accession No. 0001104659-21-137790 filed on November 12, 2021, and incorporated
by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465921137790/a21-32393_1ex99d4p.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465921137790/a21-32393_1ex99d4p.htm)

(q) Return
of Purchase Payments Death Benefit Rider II (Form No. 20-1125CA-B) ; Included in Registrant's Form
N-4, File No. 333-261003, Accession No. 0001104659-22-070410 filed on June 13, 2022, and incorporated
by reference herein. This exhibit can be found at [https://www.sec.gov/Archives/edgar/data/935823/000110465922070410/a22-17850_1ex99d4q.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465922070410/a22-17850_1ex99d4q.htm)

(r) Stepped-Up
Death Benefit Rider (Form No. IC21:20-1126-B) ; Included in Registrant's Form N-4, File No. 333-261003,
Accession No. 0001104659-21-137790 filed on November 12, 2021, and incorporated by reference herein.
This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465921137790/a21-32393_1ex99d4r.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465921137790/a21-32393_1ex99d4r.htm)

(s) Stepped-Up
Death Benefit Rider II (Form No. 20-1126CA-B) ; Included in Registrant's Form N-4, File No. 333-261003,
Accession No. 0001104659-22-070410 filed on June 13, 2022, and incorporated by reference herein. This
exhibit can be found at [https://www.sec.gov/Archives/edgar/data/935823/000110465922070410/a22-17850_1ex99d4s.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465922070410/a22-17850_1ex99d4s.htm)

(t) Earnings
Enhancement Death Benefit Rider (Owner) (Form No. ICC21:20-1297) ; Included in Registrant's Form N-4,
File No. 333-261003, Accession No. 0001104659-21-137790 filed on November 12, 2021, and incorporated
by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465921137790/a21-32393_1ex99d4t.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465921137790/a21-32393_1ex99d4t.htm)

(u) Earnings
Enhancement Death Benefit Rider (Annuitant) (Form No. ICC21:20-1298) ; Included in Registrant's Form
N-4, File No. 333-261003, Accession No. 0001104659-21-137790 filed on November 12, 2021, and incorporated
by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465921137790/a21-32393_1ex99d4u.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465921137790/a21-32393_1ex99d4u.htm)

(5) **Applications**

(a) Variable
Annuity Application (Form No. ICC22:25-1352) ; Included in Registrant's Form N-4, File No. 333-261003,
Accession No. 0001104659-22-070410 filed on June 13, 2022, and incorporated by reference herein. This
exhibit can be found at [https://www.sec.gov/Archives/edgar/data/935823/000110465922070410/a22-17850_1ex99d5a.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465922070410/a22-17850_1ex99d5a.htm)

(6) **Depositor's Certificate of Incorporation and By-Laws**

------

---

| | | |
|:---|:---|:---|
| (a) | Pacific Life's Articles of Incorporation; included in Registrant's Form N-4, File No. 033-88460, Accession No. 0001017062-98-000945 filed on April 29, 1998, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/0001017062-98-000939.txt](https://www.sec.gov/Archives/edgar/data/935823/0001017062-98-000939.txt) | Pacific Life's Articles of Incorporation; included in Registrant's Form N-4, File No. 033-88460, Accession No. 0001017062-98-000945 filed on April 29, 1998, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/0001017062-98-000939.txt](https://www.sec.gov/Archives/edgar/data/935823/0001017062-98-000939.txt) |
| (b) | By-laws of Pacific Life; included in Registrant's Form N-4, File No. 033-88460, Accession No. 0001017062-98-000945 filed on April 29, 1998, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/0001017062-98-000945.txt](https://www.sec.gov/Archives/edgar/data/935823/0001017062-98-000945.txt) | By-laws of Pacific Life; included in Registrant's Form N-4, File No. 033-88460, Accession No. 0001017062-98-000945 filed on April 29, 1998, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/0001017062-98-000945.txt](https://www.sec.gov/Archives/edgar/data/935823/0001017062-98-000945.txt) |
| (c) | Pacific Life's Restated Articles of Incorporation; included in Registrant's Form N-4, File No. 033-88460, Accession No. 0000892569-06-000528 filed on April 18, 2006, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000089256906000528/a12992exv99w6xcy.htm](https://www.sec.gov/Archives/edgar/data/935823/000089256906000528/a12992exv99w6xcy.htm) | Pacific Life's Restated Articles of Incorporation; included in Registrant's Form N-4, File No. 033-88460, Accession No. 0000892569-06-000528 filed on April 18, 2006, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000089256906000528/a12992exv99w6xcy.htm](https://www.sec.gov/Archives/edgar/data/935823/000089256906000528/a12992exv99w6xcy.htm) |
| (d) | By-laws of Pacific Life As Amended September 1, 2005; included in Registrant's Form N-4, File No. 033-88460, Accession No. 0000892569-06-000528 filed on April 18, 2006, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000089256906000528/a12992exv99w6xdy.htm](https://www.sec.gov/Archives/edgar/data/935823/000089256906000528/a12992exv99w6xdy.htm) | By-laws of Pacific Life As Amended September 1, 2005; included in Registrant's Form N-4, File No. 033-88460, Accession No. 0000892569-06-000528 filed on April 18, 2006, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000089256906000528/a12992exv99w6xdy.htm](https://www.sec.gov/Archives/edgar/data/935823/000089256906000528/a12992exv99w6xdy.htm) |
| (7) | **Reinsurance Contracts** | **Reinsurance Contracts** |
| (a) | Reinsurance Agreement with Union Hamilton; Included in Registrant's Form N-4, File No. 333-184973, Accession No. 0001193125-15-346556 filed on October 19, 2015 and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312515346556/d96269dex997.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312515346556/d96269dex997.htm) | Reinsurance Agreement with Union Hamilton; Included in Registrant's Form N-4, File No. 333-184973, Accession No. 0001193125-15-346556 filed on October 19, 2015 and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312515346556/d96269dex997.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312515346556/d96269dex997.htm) |
| (8) | **Participation Agreements** | **Participation Agreements** |
| (a) | Pacific Select Fund Participation Agreement; included in Registrant's Form N-4, File No. 033-88460, Accession No. 0001017062-01-500083 filed on April 25, 2001, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000101706201500083/dex998a.txt](https://www.sec.gov/Archives/edgar/data/935823/000101706201500083/dex998a.txt) | Pacific Select Fund Participation Agreement; included in Registrant's Form N-4, File No. 033-88460, Accession No. 0001017062-01-500083 filed on April 25, 2001, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000101706201500083/dex998a.txt](https://www.sec.gov/Archives/edgar/data/935823/000101706201500083/dex998a.txt) |
| (b) | Fund Participation Agreement Between Pacific Life Insurance Company, Pacific Select Distributions, Inc., American Funds Insurance Series, American Funds Distributors, and Capital Research and Management Company; included in Registrant's Form N-4, File No. 333-93059, Accession No. 0000892569-05-000253 filed on April 19, 2005, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000089256905000253/a03608a3exv99w8xey.htm](https://www.sec.gov/Archives/edgar/data/935823/000089256905000253/a03608a3exv99w8xey.htm) | Fund Participation Agreement Between Pacific Life Insurance Company, Pacific Select Distributions, Inc., American Funds Insurance Series, American Funds Distributors, and Capital Research and Management Company; included in Registrant's Form N-4, File No. 333-93059, Accession No. 0000892569-05-000253 filed on April 19, 2005, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000089256905000253/a03608a3exv99w8xey.htm](https://www.sec.gov/Archives/edgar/data/935823/000089256905000253/a03608a3exv99w8xey.htm) |
| (c) | BlackRock Variable Series Fund, Inc. (formerly called Merrill Lynch Variable Series Fund, Inc.) Participation Agreement; included in Registrant's Form N-4, File No. 333-136597, Accession No. 0000892569-08-000961 filed on July 2, 2008, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000089256908000961/a41434aexv99w8xey.htm](https://www.sec.gov/Archives/edgar/data/935823/000089256908000961/a41434aexv99w8xey.htm) | BlackRock Variable Series Fund, Inc. (formerly called Merrill Lynch Variable Series Fund, Inc.) Participation Agreement; included in Registrant's Form N-4, File No. 333-136597, Accession No. 0000892569-08-000961 filed on July 2, 2008, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000089256908000961/a41434aexv99w8xey.htm](https://www.sec.gov/Archives/edgar/data/935823/000089256908000961/a41434aexv99w8xey.htm) |
|  | (1)  | First Amendment to Participation Agreement; included in registrant's Form N-4, File No. 333-250190, Accession No. 0001104659-23-113342 filed on November 1, 2023, and incorporated by reference herein. This exhibit can be found at [https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xdx1.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xdx1.htm) |
|  | (2)  | Second Amendment to Participation Agreement; included in registrant's Form N-4, File No. 333-250190, Accession No. 0001104659-23-113342 filed on November 1, 2023, and incorporated by reference herein. This exhibit can be found at [https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xdx2.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xdx2.htm) |

---

------

---

| | | |
|:---|:---|:---|
|  | (3)  | Third Amendment to Participation Agreement; included in registrant's Form N-4, File No. 333-250190, Accession No. 0001104659-23-113342 filed on November 1, 2023, and incorporated by reference herein. This exhibit can be found at [https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xdx3.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xdx3.htm) |
|  | (4)  | Fourth Amendment to Participation Agreement; Included in Registrant's Form N-4, File No. 333-185326, Accession No. 0001193125-13-399384 filed on October 15, 2013, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312513399384/d608897dex998d4.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312513399384/d608897dex998d4.htm) |
|  | (5)  | Fifth Amendment to Participation Agreement; included in Registrant's Form N-4, File No. 333-160772, Accession No. 0001193125-14-310473 filed on August 15, 2014, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312514310473/d767546dex998e5.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312514310473/d767546dex998e5.htm) |
|  | (6) | Sixth Amendment to Participation Agreement; included in Registrant's Form N-4, File No. 333-185326, Accession No. 0001104659-19-022570 filed on April 19, 2019, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465919022570/a19-5922_1ex99d8dd6.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465919022570/a19-5922_1ex99d8dd6.htm) |
| (d) | BlackRock Distributors, Inc. (formerly called FAM Distributors, Inc.) Administrative Services Agreement; included in registrant's Form N-4, File No. 333-250190, Accession No. 0001104659-23-113342 filed on November 1, 2023, and incorporated by reference herein. This exhibit can be found at [https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xg.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xg.htm) | BlackRock Distributors, Inc. (formerly called FAM Distributors, Inc.) Administrative Services Agreement; included in registrant's Form N-4, File No. 333-250190, Accession No. 0001104659-23-113342 filed on November 1, 2023, and incorporated by reference herein. This exhibit can be found at [https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xg.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xg.htm) |
|  | (1)  | First Amendment to Administrative Services Agreement; included in Registrant's Form N-4. File No. 333-236927, Accession No. 0001104659-20-029802 filed March 6, 2020, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465920029802/a20-11372_1ex99d8e1.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465920029802/a20-11372_1ex99d8e1.htm) |
|  | (2)  | Second Amendment to Administrative Services Agreement; included in Registrant's Form N-4, File No. 333-160772, Accession No. 0001193125-14-310473 filed on August 15, 2014, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312514310473/d767546dex998h2.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312514310473/d767546dex998h2.htm) |
|  | (3)  | Third Amendment to Administrative Services Agreement; included in Registrant's Form N-4, File No. 333-160772, Accession No. 0001193125-14-310473 filed on August 15, 2014, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312514310473/d767546dex998h3.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312514310473/d767546dex998h3.htm) |
|  | (4)  | Fourth Amendment to Administrative Services Agreement; included in Registrant's Form N-4, File No. 333-185326, Accession No. 0001193125-15-134853 filed on April 17, 2015, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312515134853/d833345dex998g4.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312515134853/d833345dex998g4.htm) |
| (e) | Franklin Templeton Variable Insurance Products Trust Participation Agreement; included in registrant's Form N-4, File No. 333-250190, Accession No. 0001104659-23-113342 filed on November 1, 2023, and incorporated by reference herein. This exhibit can be found at [https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xe.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xe.htm) | Franklin Templeton Variable Insurance Products Trust Participation Agreement; included in registrant's Form N-4, File No. 333-250190, Accession No. 0001104659-23-113342 filed on November 1, 2023, and incorporated by reference herein. This exhibit can be found at [https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xe.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xe.htm) |

---

------

---

| | | |
|:---|:---|:---|
|  | (1)  | First Amendment to Participation Agreement; included in registrant's Form N-4, File No. 333-250190, Accession No. 0001104659-23-113342 filed on November 1, 2023, and incorporated by reference herein. This exhibit can be found at [https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xex1.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xex1.htm) |
|  | (2)  | Addendum to Participation Agreement; included in registrant's Form N-4, File No. 333-250190, Accession No. 0001104659-23-113342 filed on November 1, 2023, and incorporated by reference herein. This exhibit can be found at [https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xex2.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xex2.htm) |
|  | (3)  | Second Amendment to Participation Agreement; included in Registrant's Form N-4, File No. 333-185326, Accession No. 0001193125-14-148880 filed on April 18, 2014, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312514148880/d655359dex998e3.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312514148880/d655359dex998e3.htm) |
|  | (4)  | Third Amendment to Participation Agreement; included in Registrant's Form N-4, File No. 333-160772, Accession No. 0001193125-14-310473 filed on August 15, 2014, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312514310473/d767546dex998f4.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312514310473/d767546dex998f4.htm) |
|  | (5)  | Fourth Amendment to Participation Agreement; included in Registrant's Form N-4, File No. 333-185326, Accession No. 0001193125-15-134853 filed on April 17, 2015, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312515134853/d833345dex998e5.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312515134853/d833345dex998e5.htm) |
|  | (6) | Fifth Amendment to Participation Agreement; included in Registrant's Form N-4, File No. 333-240070, Accession No. 0001104659-21-116237 filed on September 16, 2021, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465921116237/a21-27571_1ex99d8d6.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465921116237/a21-27571_1ex99d8d6.htm) |
| (f) | Franklin Templeton Services, LLC Administrative Services Agreement; included in registrant's Form N-4, File No. 333-250190, Accession No. 0001104659-23-113342 filed on November 1, 2023, and incorporated by reference herein. This exhibit can be found at [https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xh.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xh.htm) | Franklin Templeton Services, LLC Administrative Services Agreement; included in registrant's Form N-4, File No. 333-250190, Accession No. 0001104659-23-113342 filed on November 1, 2023, and incorporated by reference herein. This exhibit can be found at [https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xh.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xh.htm) |
|  | (1)  | First Amendment to Administrative Services Agreement; included in registrant's Form N-4, File No. 333-250190, Accession No. 0001104659-23-113342 filed on November 1, 2023, and incorporated by reference herein. This exhibit can be found at [https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xhx1.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xhx1.htm) |
|  | (2)  | Second Amendment to Administrative Service Agreement; included in Registrant's Form N-4, File No. 333-136597, Accession No. 0001193125-12-502964 filed on December 14, 2012, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312512502964/d438041dex998h2.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312512502964/d438041dex998h2.htm) |
|  | (3)  | Third Amendment to Administrative Services Agreement; included in Registrant's Form N-4, File No. 333-136597, Accession No. 0001193125-12-502964 filed on December 14, 2012, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312512502964/d438041dex998h3.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312512502964/d438041dex998h3.htm) |

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|:---|:---|:---|
|  | (4)  | Fourth Amendment to Administrative Services Agreement; included in Registrant's Form N-4, File No. 333-160772, Accession No. 0001193125-14-310473 filed on August 15, 2014, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312514310473/d767546dex998i4.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312514310473/d767546dex998i4.htm) |
|  | (5)  | Fifth Amendment to Administrative Services Agreement; included in Registrant's Form N-4, File No. 333-185326, Accession No. 0001193125-15-134853 filed on April 17, 2015, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312515134853/d833345dex998h5.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312515134853/d833345dex998h5.htm) |
|  | (6) | Sixth Amendment to Administrative Services Agreement; Included in Registrant's Form N-6, File No. 333-231308 Accession No. 0001104659-19-042834 filed on July 31, 2019, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/832908/000110465919042834/a19-13236_1ex99d8n6.htm](https://www.sec.gov/Archives/edgar/data/832908/000110465919042834/a19-13236_1ex99d8n6.htm) |
|  | (7) | Seventh Amendment to Administrative Services Agreement; Included in the Registrant's Form N-4; File No. 333-240070 Accession No. 0001104659-20-112014 filed on October 5, 2020 and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465920112014/a20-32161_1ex99d8f7.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465920112014/a20-32161_1ex99d8f7.htm) |
|  | (8) | Eighth Amendment to Administrative Services Agreement; included in registrant's Form N-4, File No. 333-250190, Accession No. 0001104659-23-113342 filed on November 1, 2023, and incorporated by reference herein. This exhibit can be found at [https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xhx8.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xhx8.htm) |
| (g) | AIM Variable Insurance Funds Participation Agreement; included in Registrant's Form N-4, File No. 333-184972, Accession No. 0001104659-24-024617, filed February 16, 2024, and incorporated by reference herein. This exhibit can be found at [sec.gov/Archives/edgar/data/1074486/000110465924024617/tm246207d1_ex99-x8xi.htm](https://www.sec.gov/Archives/edgar/data/1074486/000110465924024617/tm246207d1_ex99-x8xi.htm) | AIM Variable Insurance Funds Participation Agreement; included in Registrant's Form N-4, File No. 333-184972, Accession No. 0001104659-24-024617, filed February 16, 2024, and incorporated by reference herein. This exhibit can be found at [sec.gov/Archives/edgar/data/1074486/000110465924024617/tm246207d1_ex99-x8xi.htm](https://www.sec.gov/Archives/edgar/data/1074486/000110465924024617/tm246207d1_ex99-x8xi.htm) |
|  | (1)  | First Amendment to Participation Agreement; included in Registrant's Form N-4, File No. 333-168026, Accession No. 0000950123-12-006432 filed on April 24, 2012, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000095012312006432/a59729bexv99w8xiyx1y.htm](https://www.sec.gov/Archives/edgar/data/935823/000095012312006432/a59729bexv99w8xiyx1y.htm) |
| (h) | Invesco Aim Distributors, Inc. Distribution Services Agreement; included in registrant's Form N-4, File No. 333-250190, Accession No. 0001104659-23-113342 filed on November 1, 2023, and incorporated by reference herein. This exhibit can be found at [https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xj.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xj.htm) | Invesco Aim Distributors, Inc. Distribution Services Agreement; included in registrant's Form N-4, File No. 333-250190, Accession No. 0001104659-23-113342 filed on November 1, 2023, and incorporated by reference herein. This exhibit can be found at [https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xj.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xj.htm) |
|  | (1)  | First Amendment to Distribution Services Agreement; Included in Registrant's Form N-4, File No. 333-185326, Accession No. 0001104659-17-024829 filed on April 20, 2017, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465917024829/a17-7673_1ex99d8dj1.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465917024829/a17-7673_1ex99d8dj1.htm) |
| (i) | Invesco Aim Advisors, Inc. Administrative Services Agreement; included in registrant's Form N-4, File No. 333-250190, Accession No. 0001104659-23-113342 filed on November 1, 2023, and incorporated by reference herein. This exhibit can be found at [https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xk.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xk.htm) | Invesco Aim Advisors, Inc. Administrative Services Agreement; included in registrant's Form N-4, File No. 333-250190, Accession No. 0001104659-23-113342 filed on November 1, 2023, and incorporated by reference herein. This exhibit can be found at [https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xk.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xk.htm) |

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| (j) | GE Investments Funds, Inc. Participation Agreement; included in registrant's Form N-4, File No. 333-250190, Accession No. 0001104659-23-113342 filed on November 1, 2023, and incorporated by reference herein. This exhibit can be found at [https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xl.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xl.htm) | GE Investments Funds, Inc. Participation Agreement; included in registrant's Form N-4, File No. 333-250190, Accession No. 0001104659-23-113342 filed on November 1, 2023, and incorporated by reference herein. This exhibit can be found at [https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xl.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xl.htm) |
|  | (1)  | Amendment to Participation Agreement; included in registrant's Form N-4, File No. 333-250190, Accession No. 0001104659-23-113342 filed on November 1, 2023, and incorporated by reference herein. This exhibit can be found at [https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xlx1.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xlx1.htm) |
|  | (2)  | Second Amendment to Participation Agreement; included in Registrant's Form N-4, File No. 333-160772, Accession No. 0001193125-14-310473 filed on August 15, 2014, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312514310473/d767546dex998m2.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312514310473/d767546dex998m2.htm) |
|  | (3)  | Third Amendment to Participation Agreement; included in Registrant's Form N-4, File No. 333-160772, Accession No. 0001193125-14-310473 filed on August 15, 2014, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312514310473/d767546dex998m3.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312514310473/d767546dex998m3.htm) |
| (k) | GE Investment Distributors, Inc. Fund Marketing and Investor Service Agreement (Amended and Restated); included in registrant's Form N-4, File No. 333-250190, Accession No. 0001104659-23-113342 filed on November 1, 2023, and incorporated by reference herein. This exhibit can be found at [https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xm.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xm.htm) | GE Investment Distributors, Inc. Fund Marketing and Investor Service Agreement (Amended and Restated); included in registrant's Form N-4, File No. 333-250190, Accession No. 0001104659-23-113342 filed on November 1, 2023, and incorporated by reference herein. This exhibit can be found at [https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xm.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xm.htm) |
| (l) | Van Kampen Life Investment Trust Participation Agreement; included in registrant's Form N-4, File No. 333-250190, Accession No. 0001104659-23-113342 filed on November 1, 2023, and incorporated by reference herein. This exhibit can be found at [https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xn.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xn.htm) | Van Kampen Life Investment Trust Participation Agreement; included in registrant's Form N-4, File No. 333-250190, Accession No. 0001104659-23-113342 filed on November 1, 2023, and incorporated by reference herein. This exhibit can be found at [https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xn.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xn.htm) |
| (m) | Van Kampen Funds, Inc. Shareholder Service Agreement; included in registrant's Form N-4, File No. 333-250190, Accession No. 0001104659-23-113342 filed on November 1, 2023, and incorporated by reference herein. This exhibit can be found at [https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xo.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xo.htm) | Van Kampen Funds, Inc. Shareholder Service Agreement; included in registrant's Form N-4, File No. 333-250190, Accession No. 0001104659-23-113342 filed on November 1, 2023, and incorporated by reference herein. This exhibit can be found at [https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xo.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xo.htm) |
| (n) | Van Kampen Asset Management Administrative Services Letter Agreement; included in registrant's Form N-4, File No. 333-250190, Accession No. 0001104659-23-113342 filed on November 1, 2023, and incorporated by reference herein. This exhibit can be found at [https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xp.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xp.htm) | Van Kampen Asset Management Administrative Services Letter Agreement; included in registrant's Form N-4, File No. 333-250190, Accession No. 0001104659-23-113342 filed on November 1, 2023, and incorporated by reference herein. This exhibit can be found at [https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xp.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xp.htm) |
| (o) | GE Investments Funds, Inc. Investor Services Agreement; included in registrant's Form N-4, File No. 333-250190, Accession No. 0001104659-23-113342 filed on November 1, 2023, and incorporated by reference herein. This exhibit can be found at [https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xq.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xq.htm) | GE Investments Funds, Inc. Investor Services Agreement; included in registrant's Form N-4, File No. 333-250190, Accession No. 0001104659-23-113342 filed on November 1, 2023, and incorporated by reference herein. This exhibit can be found at [https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xq.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xq.htm) |
|  | (1)  | First Amendment to Investor Services Agreement; included in Registrant's Form N-4, File No. 333-136597, Accession No. 0000950123-10-036152 filed on April 20, 2010, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000095012310036152/a52638exv99w8xryx1y.htm](https://www.sec.gov/Archives/edgar/data/935823/000095012310036152/a52638exv99w8xryx1y.htm) |

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|  | (2)  | Second Amendment to Investor Services Agreement; included in Registrant's Form N-4, File No. 333-160772, Accession No. 0001193125-14-310473 filed on August 15, 2014, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312514310473/d767546dex998r2.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312514310473/d767546dex998r2.htm) |
| (p) | PIMCO Variable Insurance Trust Participation Agreement; included in registrant's Form N-4, File No. 333-250190, Accession No. 0001104659-23-113342 filed on November 1, 2023, and incorporated by reference herein. This exhibit can be found at [https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xr.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xr.htm) | PIMCO Variable Insurance Trust Participation Agreement; included in registrant's Form N-4, File No. 333-250190, Accession No. 0001104659-23-113342 filed on November 1, 2023, and incorporated by reference herein. This exhibit can be found at [https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xr.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xr.htm) |
|  | (1)  | First Amendment to Participation Agreement (Novation and Amendment); included in registrant's Form N-4, File No. 333-250190, Accession No. 0001104659-23-113342 filed on November 1, 2023, and incorporated by reference herein. This exhibit can be found at [https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xrx1.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xrx1.htm) |
|  | (2)  | Second Amendment to Participation Agreement; included in registrant's Form N-4, File No. 333-250190, Accession No. 0001104659-23-113342 filed on November 1, 2023, and incorporated by reference herein. This exhibit can be found at [https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xrx2.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xrx2.htm) |
| (q) | Allianz Global Investors Distributors LLC Selling Agreement; included in registrant's Form N-4, File No. 333-250190, Accession No. 0001104659-23-113342 filed on November 1, 2023, and incorporated by reference herein. This exhibit can be found at [https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xs.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xs.htm) | Allianz Global Investors Distributors LLC Selling Agreement; included in registrant's Form N-4, File No. 333-250190, Accession No. 0001104659-23-113342 filed on November 1, 2023, and incorporated by reference herein. This exhibit can be found at [https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xs.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xs.htm) |
|  | (1)  | First Amendment to Selling Agreement; Included in Registrant's Form N-4, File No. 333-185326, Accession No. 0001104659-17-024829 filed on April 20, 2017, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465917024829/a17-7673_1ex99d8ds1.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465917024829/a17-7673_1ex99d8ds1.htm) |
| (r) | PIMCO LLC Services Agreement; included in registrant's Form N-4, File No. 333-250190, Accession No. 0001104659-23-113342 filed on November 1, 2023, and incorporated by reference herein. This exhibit can be found at [https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xt.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xt.htm) | PIMCO LLC Services Agreement; included in registrant's Form N-4, File No. 333-250190, Accession No. 0001104659-23-113342 filed on November 1, 2023, and incorporated by reference herein. This exhibit can be found at [https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xt.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xt.htm) |
|  | (1)  | First Amendment to Services Agreement; included in Registrant's Form N-4, File No. 333-136597, Accession No. 0001193125-12-502964 filed on December 14, 2012, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312512502964/d438041dex998t1.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312512502964/d438041dex998t1.htm) |
|  | (2)  | Second Amendment to Services Agreement; included in Registrant's Form N-4, File No. 333-185326, Accession No. 0001193125-14-148880 filed on April 18, 2014, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312514148880/d655359dex998t2.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312514148880/d655359dex998t2.htm) |
|  | (3)  | Third Amendment to Services Agreement; included in Registrant's Form N-4, File No. 333-185326, Accession No. 0001104659-18-025542 filed on April 20, 2018, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465918025542/a18-8020_1ex99d8dt3.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465918025542/a18-8020_1ex99d8dt3.htm) |

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| (s) | MFS Variable Insurance Trust Participation Agreement; included in registrant's Form N-4, File No. 333-250190, Accession No. 0001104659-23-113342 filed on November 1, 2023, and incorporated by reference herein. This exhibit can be found at [https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xu.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xu.htm) | MFS Variable Insurance Trust Participation Agreement; included in registrant's Form N-4, File No. 333-250190, Accession No. 0001104659-23-113342 filed on November 1, 2023, and incorporated by reference herein. This exhibit can be found at [https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xu.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xu.htm) |
|  | (1)  | First Amendment to Participation Agreement; included in registrant's Form N-4, File No. 333-250190, Accession No. 0001104659-23-113342 filed on November 1, 2023, and incorporated by reference herein. This exhibit can be found at [https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xux1.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xux1.htm) |
|  | (2)  | Second Amendment to Participation Agreement; included in Registrant's Form N-4, File No. 333-168026, Accession No. 0000950123-11-036762 filed on April 19, 2011, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000095012311036762/a57716bexv99w8xvyx2y.htm](https://www.sec.gov/Archives/edgar/data/935823/000095012311036762/a57716bexv99w8xvyx2y.htm) |
|  | (3)  | Third Amendment to Participation Agreement; included in Registrant's Form N-4, File No. 333-185326, Accession No. 0001193125-15-134853 filed on April 17, 2015, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312515134853/d833345dex998u3.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312515134853/d833345dex998u3.htm) |
| (t) | (1)  | MFS Variable Insurance Trust Administrative Services Agreement; included in Registrant's Form N-4, File No. 333-160772, Accession No. 0000950123-10-036181 filed on April 20, 2010, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000095012310036181/a54718exv99w8xwy.htm](https://www.sec.gov/Archives/edgar/data/935823/000095012310036181/a54718exv99w8xwy.htm) |
|  | (2)  | MFS Variable Insurance Trust Administrative Services Agreement; included in Registrant's Form N-4, File No. 333-185326, Accession No. 0001193125-15-134853 filed on April 17, 2015, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312515134853/d833345dex998v2.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312515134853/d833345dex998v2.htm) |
|  | (3)  | MFS Variable Insurance Trust Administrative Services Agreement; Included in Registrant's Form N-4, File No. 333-185326, Accession No. 0001104659-17-024829 filed on April 20, 2017, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465917024829/a17-7673_1ex99d8dv3.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465917024829/a17-7673_1ex99d8dv3.htm) |
| (u) | Participation Agreement with Fidelity Variable Insurance Products (Variable Insurance Products Funds, Variable Insurance Products Fund II, Variable Insurance Products Fund III and Variable Insurance Products Funds V).; included in registrant's Form N-4, File No. 333-250190, Accession No. 0001104659-23-113342 filed on November 1, 2023, and incorporated by reference herein. This exhibit can be found at [https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xw.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xw.htm) | Participation Agreement with Fidelity Variable Insurance Products (Variable Insurance Products Funds, Variable Insurance Products Fund II, Variable Insurance Products Fund III and Variable Insurance Products Funds V).; included in registrant's Form N-4, File No. 333-250190, Accession No. 0001104659-23-113342 filed on November 1, 2023, and incorporated by reference herein. This exhibit can be found at [https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xw.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xw.htm) |
|  | (1)  | First Amendment to Participation Agreement; included in Registrant's Form N-4, File No. 333-168026, Accession No. 0000950123-12-006432 filed on April 24, 2012, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000095012312006432/a59729bexv99w8xwyx1y.htm](https://www.sec.gov/Archives/edgar/data/935823/000095012312006432/a59729bexv99w8xwyx1y.htm) |
|  | (2)  | Second Amendment to Participation Agreement; included in Registrant's Form N-4, File No. 333-168026, Accession No. 0000950123-12-006432 filed on April 24, 2012, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000095012312006432/a59729bexv99w8xwyx2y.htm](https://www.sec.gov/Archives/edgar/data/935823/000095012312006432/a59729bexv99w8xwyx2y.htm) |

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|  | (3) | Third Amendment to Participation Agreement; Included in Registrant's Form N-6, File No. 333-231308, Accession No. 0001104659-19-042834 filed on July 31, 2019, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/832908/000110465919042834/a19-13236_1ex99d8o3.htm](https://www.sec.gov/Archives/edgar/data/832908/000110465919042834/a19-13236_1ex99d8o3.htm) |
|  | (4) | Fourth Amendment to Participation Agreement; Included in Registrant's Form N-6, File No. 333-185326, Accession No. 0001104659-20-048068 filed on April 17, 2020, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465920048068/a20-9594_1ex99d8w4.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465920048068/a20-9594_1ex99d8w4.htm) |
|  | (5) | Fifth Amendment to Participation Agreement; Included in the Registrant's Form N-4; File No. 333-240070 Accession No. 0001104659-20-112014 filed on October 5, 2020, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465920112014/a20-32161_1ex99d8n5.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465920112014/a20-32161_1ex99d8n5.htm) |
| (v) | Service Contract with Fidelity Distributors Corporation; included in registrant's Form N-4, File No. 333-250190, Accession No. 0001104659-23-113342 filed on November 1, 2023, and incorporated by reference herein. This exhibit can be found at [https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xx.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xx.htm) | Service Contract with Fidelity Distributors Corporation; included in registrant's Form N-4, File No. 333-250190, Accession No. 0001104659-23-113342 filed on November 1, 2023, and incorporated by reference herein. This exhibit can be found at [https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xx.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xx.htm) |
|  | (1)  | Amendment to Service Contract; included in Registrant's Form N-4, File No. 333-168026, Accession No. 0000950123-12-006432 filed on April 24, 2012, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000095012312006432/a59729bexv99w8xxyx1y.htm](https://www.sec.gov/Archives/edgar/data/935823/000095012312006432/a59729bexv99w8xxyx1y.htm) |
| (w) | Participation Agreement with First Trust Variable Insurance Trust; included in registrant's Form N-4, File No. 333-250190, Accession No. 0001104659-23-113342 filed on November 1, 2023, and incorporated by reference herein. This exhibit can be found at [https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xy.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xy.htm) | Participation Agreement with First Trust Variable Insurance Trust; included in registrant's Form N-4, File No. 333-250190, Accession No. 0001104659-23-113342 filed on November 1, 2023, and incorporated by reference herein. This exhibit can be found at [https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xy.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xy.htm) |
|  | (1)  | First Amendment to Participation Agreement; included in Registrant's Form N-4, File No. 333-185326, Accession No. 0001193125-14-148880 filed on April 18, 2014, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312514148880/d655359dex998y1.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312514148880/d655359dex998y1.htm) |
|  | (2)  | Second Amendment to Participation Agreement; Included in Registrant's Form N-4, File No. 333-185326, Accession No. 0001193125-15-346562 filed on October 19, 2015 and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312515346562/d86009dex998y2.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312515346562/d86009dex998y2.htm) |
| (x) | Administrative Services Agreement with First Trust Variable Insurance Trust; included in registrant's Form N-4, File No. 333-250190, Accession No. 0001104659-23-113342 filed on November 1, 2023, and incorporated by reference herein. This exhibit can be found at [https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xz.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xz.htm) | Administrative Services Agreement with First Trust Variable Insurance Trust; included in registrant's Form N-4, File No. 333-250190, Accession No. 0001104659-23-113342 filed on November 1, 2023, and incorporated by reference herein. This exhibit can be found at [https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xz.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xz.htm) |
|  | (1)  | First Amendment to Administrative Services Agreement; included in Registrant's Form N-4, File No. 333-185326, Accession No. 0001193125-14-148880 filed on April 18, 2014, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312514148880/d655359dex998z1.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312514148880/d655359dex998z1.htm) |
|  | (2)  | Second Amendment to Administrative Services Agreement; included in Registrant's Form N-4, File No. 333-160772, Accession No. 0001193125-14-310473 filed on August 15, 2014, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312514310473/d767546dex998dd2.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312514310473/d767546dex998dd2.htm) |

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|  | (3)  | Third Amendment to Administrative Services Agreement; Included in Registrant's Form N-4, File No. 333-185326, Accession No. 0001193125-15-346562 filed on October 19, 2015 and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312515346562/d86009dex998z3.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312515346562/d86009dex998z3.htm) |
| (y) | Support Agreement with First Trust Advisors L.P.; included in registrant's Form N-4, File No. 333-250190, Accession No. 0001104659-23-113342 filed on November 1, 2023, and incorporated by reference herein. This exhibit can be found at [https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xaa.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xaa.htm) | Support Agreement with First Trust Advisors L.P.; included in registrant's Form N-4, File No. 333-250190, Accession No. 0001104659-23-113342 filed on November 1, 2023, and incorporated by reference herein. This exhibit can be found at [https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xaa.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xaa.htm) |
|  | (1)  | First Amendment to Support Agreement; included in Registrant's Form N-4, File No. 333-185326, Accession No. 0001193125-14-148880 filed on April 18, 2014, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312514148880/d655359dex998aa1.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312514148880/d655359dex998aa1.htm) |
|  | (2)  | Second Amendment to Support Agreement; Included in Registrant's Form N-4, File No. 333-185326, Accession No. 0001193125-15-346562 filed on October 19, 2015 and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312515346562/d86009dex998aa2.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312515346562/d86009dex998aa2.htm) |
| (z) | American Century Investment Services, Inc. Participation Agreement; Included in Registrant's Form N-6, File No. 333-150092, Accession Number 000950123-12-006370 filed on April 23, 2012, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/832908/000095012312006370/a59859bexv99wx8yxjjy.htm](https://www.sec.gov/Archives/edgar/data/832908/000095012312006370/a59859bexv99wx8yxjjy.htm) | American Century Investment Services, Inc. Participation Agreement; Included in Registrant's Form N-6, File No. 333-150092, Accession Number 000950123-12-006370 filed on April 23, 2012, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/832908/000095012312006370/a59859bexv99wx8yxjjy.htm](https://www.sec.gov/Archives/edgar/data/832908/000095012312006370/a59859bexv99wx8yxjjy.htm) |
| (aa) | American Century Investment Services, Inc. Administrative Services Agreement; Included in Registrant's Form N-6, File No. 333-150092, Accession Number 000950123-12-006370 filed on April 23, 2012, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/832908/000095012312006370/a59859bexv99wx8yxkky.htm](https://www.sec.gov/Archives/edgar/data/832908/000095012312006370/a59859bexv99wx8yxkky.htm) | American Century Investment Services, Inc. Administrative Services Agreement; Included in Registrant's Form N-6, File No. 333-150092, Accession Number 000950123-12-006370 filed on April 23, 2012, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/832908/000095012312006370/a59859bexv99wx8yxkky.htm](https://www.sec.gov/Archives/edgar/data/832908/000095012312006370/a59859bexv99wx8yxkky.htm) |
|  | (1)  | First Amendment to Administrative Services Agreement; Included in Registrant's Form N-4, File No. 333-136597, Accession No. 0001193125-12-502964 filed on December 14, 2012, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312512502964/d438041dex998cc1.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312512502964/d438041dex998cc1.htm) |
| (bb) | Participation Agreement with Janus Aspen Series; Included in Registrant's Form N-6, File No. 333-118913, Accession Number 000892569-07-000444 filed on April 16, 2007, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/832908/000089256907000444/a23397a1exv99wx8yxky.htm](https://www.sec.gov/Archives/edgar/data/832908/000089256907000444/a23397a1exv99wx8yxky.htm) | Participation Agreement with Janus Aspen Series; Included in Registrant's Form N-6, File No. 333-118913, Accession Number 000892569-07-000444 filed on April 16, 2007, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/832908/000089256907000444/a23397a1exv99wx8yxky.htm](https://www.sec.gov/Archives/edgar/data/832908/000089256907000444/a23397a1exv99wx8yxky.htm) |
|  | (1)  | First Amendment to Participation Agreement; Included in Registrant's Form N-4, File No. 333-136597, Accession No. 0001193125-12-502964 filed on December 14, 2012, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312512502964/d438041dex998dd1.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312512502964/d438041dex998dd1.htm) |
|  | (2)  | Second Amendment to Participation Agreement; included in Registrant's Form N-4, File No. 333-185326, Accession No. 0001193125-15-134853 filed on April 17, 2015, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312515134853/d833345dex998dd2.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312515134853/d833345dex998dd2.htm) |

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| (cc) | Distribution and Shareholder Service Agreement with Janus Distributors LLC; Included in Registrant's Form N-6, File No. 333-118913, Accession Number 000892569-07-000444 filed on April 16, 2007, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/832908/000089256907000444/a23397a1exv99wx8yxly.htm](https://www.sec.gov/Archives/edgar/data/832908/000089256907000444/a23397a1exv99wx8yxly.htm) | Distribution and Shareholder Service Agreement with Janus Distributors LLC; Included in Registrant's Form N-6, File No. 333-118913, Accession Number 000892569-07-000444 filed on April 16, 2007, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/832908/000089256907000444/a23397a1exv99wx8yxly.htm](https://www.sec.gov/Archives/edgar/data/832908/000089256907000444/a23397a1exv99wx8yxly.htm) |
|  | (1)  | First Amendment to Distribution and Shareholder Service Agreement; Included in Registrant's Form N-4, File No. 333-185326, Accession No. 0001104659-17-024829 filed on April 20, 2017, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465917024829/a17-7673_1ex99d8dee1.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465917024829/a17-7673_1ex99d8dee1.htm) |
| (dd) | Administrative Services Agreement with Janus Capital Management LLC; Included in Registrant's Form N-6, File No. 333-118913, Accession Number 000892569-07-000444 filed on April 16, 2007, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/832908/000089256907000444/a23397a1exv99wx8yxmy.htm](https://www.sec.gov/Archives/edgar/data/832908/000089256907000444/a23397a1exv99wx8yxmy.htm) | Administrative Services Agreement with Janus Capital Management LLC; Included in Registrant's Form N-6, File No. 333-118913, Accession Number 000892569-07-000444 filed on April 16, 2007, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/832908/000089256907000444/a23397a1exv99wx8yxmy.htm](https://www.sec.gov/Archives/edgar/data/832908/000089256907000444/a23397a1exv99wx8yxmy.htm) |
| (ee) | Lord Abbett Series Fund, Inc. Fund Participation Agreement; Included in Registrant's Form N-4, File No. 333-168284, Accession No. 0000950123-10-067409 filed on July 23, 2010, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000095012310067409/a56357exv99w8xxy.htm](https://www.sec.gov/Archives/edgar/data/935823/000095012310067409/a56357exv99w8xxy.htm) | Lord Abbett Series Fund, Inc. Fund Participation Agreement; Included in Registrant's Form N-4, File No. 333-168284, Accession No. 0000950123-10-067409 filed on July 23, 2010, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000095012310067409/a56357exv99w8xxy.htm](https://www.sec.gov/Archives/edgar/data/935823/000095012310067409/a56357exv99w8xxy.htm) |
| (ff) | Lord Abbett Series Fund, Inc. Service Agreement; Included in Registrant's Form N-4, File No. 333-168284, Accession No. 0000950123-10-067409 filed on July 23, 2010, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000095012310067409/a56357exv99w8xyy.htm](https://www.sec.gov/Archives/edgar/data/935823/000095012310067409/a56357exv99w8xyy.htm) | Lord Abbett Series Fund, Inc. Service Agreement; Included in Registrant's Form N-4, File No. 333-168284, Accession No. 0000950123-10-067409 filed on July 23, 2010, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000095012310067409/a56357exv99w8xyy.htm](https://www.sec.gov/Archives/edgar/data/935823/000095012310067409/a56357exv99w8xyy.htm) |
| (gg) | Lord Abbett Series Fund, Inc. Administrative Services Agreement; Included in Registrant's Form N-4, File No. 333-168284, Accession No. 0000950123-10-067409 filed on July 23, 2010, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000095012310067409/a56357exv99w8xzy.htm](https://www.sec.gov/Archives/edgar/data/935823/000095012310067409/a56357exv99w8xzy.htm) | Lord Abbett Series Fund, Inc. Administrative Services Agreement; Included in Registrant's Form N-4, File No. 333-168284, Accession No. 0000950123-10-067409 filed on July 23, 2010, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000095012310067409/a56357exv99w8xzy.htm](https://www.sec.gov/Archives/edgar/data/935823/000095012310067409/a56357exv99w8xzy.htm) |
| (hh) | Lord Abbett Series Fund, Inc. Support Payment Agreement; Included in Registrant's Form N-4, File No. 333-136597, Accession No. 0001193125-12-502964 filed on December 14, 2012, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312512502964/d438041dex998jj.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312512502964/d438041dex998jj.htm) | Lord Abbett Series Fund, Inc. Support Payment Agreement; Included in Registrant's Form N-4, File No. 333-136597, Accession No. 0001193125-12-502964 filed on December 14, 2012, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312512502964/d438041dex998jj.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312512502964/d438041dex998jj.htm) |
|  | (1)  | First Amendment to Support Payment Agreement; Included in Registrant's Form N-4, File No. 333-136597, Accession No. 0001193125-12-502964 filed on December 14, 2012, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312512502964/d438041dex998jj1.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312512502964/d438041dex998jj1.htm) |
| (ii) | Participation Agreement with Van Eck Worldwide Insurance Trust; Included in Registrant's Form N-6, File No. 033-21754, Accession No. 0000892569-05-000254 filed on April 19, 2005, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/832908/000089256905000254/a05877a1exv99wx8yxqy.htm](https://www.sec.gov/Archives/edgar/data/832908/000089256905000254/a05877a1exv99wx8yxqy.htm) | Participation Agreement with Van Eck Worldwide Insurance Trust; Included in Registrant's Form N-6, File No. 033-21754, Accession No. 0000892569-05-000254 filed on April 19, 2005, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/832908/000089256905000254/a05877a1exv99wx8yxqy.htm](https://www.sec.gov/Archives/edgar/data/832908/000089256905000254/a05877a1exv99wx8yxqy.htm) |
|  | (1)  | First Amendment to Participation Agreement; Included in Registrant's Form N-4, File No. 333-136597, Accession No. 0001193125-12-502964 filed on December 14, 2012, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312512502964/d438041dex998kk1.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312512502964/d438041dex998kk1.htm) |
| (jj) | Service Agreement with Van Eck Securities Corporation; included in registrant's Form N-4, File No. 333-250190, Accession No. 0001104659-23-113342 filed on November 1, 2023, and incorporated by reference herein. This exhibit can be found at [https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xll.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xll.htm) | Service Agreement with Van Eck Securities Corporation; included in registrant's Form N-4, File No. 333-250190, Accession No. 0001104659-23-113342 filed on November 1, 2023, and incorporated by reference herein. This exhibit can be found at [https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xll.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xll.htm) |

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|  | (1)  | First Amendment to Service Agreement; Included in Registrant's Form N-4, File No. 333-136597, Accession No. 0001193125-12-502964 filed on December 14, 2012, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312512502964/d438041dex998ll1.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312512502964/d438041dex998ll1.htm) |
| (kk) | Fund Participation and Service Agreement with American Funds; Included in Registrant's Form N-4, File No. 333-185326, Accession No. 0001193125-13-399384 filed on October 15, 2013, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312513399384/d608897dex998mm.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312513399384/d608897dex998mm.htm) | Fund Participation and Service Agreement with American Funds; Included in Registrant's Form N-4, File No. 333-185326, Accession No. 0001193125-13-399384 filed on October 15, 2013, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312513399384/d608897dex998mm.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312513399384/d608897dex998mm.htm) |
|  | (1)  | First Amendment to Fund Participation and Service Agreement; included in Registrant's Form N-4, File No. 333-185326, Accession No. 0001193125-14-148880 filed on April 18, 2014, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312514148880/d655359dex998mm1.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312514148880/d655359dex998mm1.htm) |
|  | (2)  | Second Amendment to Fund Participation and Service Agreement; included in Registrant's Form N-4, File No. 333-185326, Accession No. 0001193125-15-134853 filed on April 17, 2015, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312515134853/d833345dex998mm2.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312515134853/d833345dex998mm2.htm) |
|  | (3)  | Third Amendment to Fund Participation and Service Agreement; Included in Registrant's Form N-4, File No. 333-185326, Accession No. 0001193125-15-346562 filed on October 19, 2015 and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312515346562/d86009dex998mm3.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312515346562/d86009dex998mm3.htm) |
|  | (4) | Fourth Amendment to Fund Participation and Service Agreement; Filed as part of the Registration Statement on Form N-6 via EDGAR on May 9, 2019, File No. 333-231308, Accession Number 0001104659-19-028107, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/832908/000110465919028107/a19-9292_1ex99d8kk4.htm](https://www.sec.gov/Archives/edgar/data/832908/000110465919028107/a19-9292_1ex99d8kk4.htm) |
|  | (5) | Fifth Amendment to Fund Participation and Service Agreement; ; Included in the Registrant's Form N-4; File No. 333-240070 Accession No. 0001104659-20-112014 filed on October 5, 2020, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465920112014/a20-32161_1ex99d8t5.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465920112014/a20-32161_1ex99d8t5.htm)<br>|
| (ll) | Business Agreement with American Funds; Included in Registrant's Form N-4, File No. 333-185326, Accession No. 0001193125-13-399384 filed on October 15, 2013, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312513399384/d608897dex998nn.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312513399384/d608897dex998nn.htm) | Business Agreement with American Funds; Included in Registrant's Form N-4, File No. 333-185326, Accession No. 0001193125-13-399384 filed on October 15, 2013, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312513399384/d608897dex998nn.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312513399384/d608897dex998nn.htm) |
| (mm) | Participation Agreement with Ivy Funds Variable Insurance Portfolios; included in Registrant's Form N-4, File No. 333-185326, Accession No. 0001193125-14-148880 filed on April 18, 2014, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312514148880/d655359dex998oo.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312514148880/d655359dex998oo.htm) | Participation Agreement with Ivy Funds Variable Insurance Portfolios; included in Registrant's Form N-4, File No. 333-185326, Accession No. 0001193125-14-148880 filed on April 18, 2014, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312514148880/d655359dex998oo.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312514148880/d655359dex998oo.htm) |
|  | (1)  | First Amendment to Participation Agreement; Included in Registrant's Form N-4, File No. 333-185326, Accession No. 0001104659-17-024829 filed on April 20, 2017, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465917024829/a17-7673_1ex99d8doo1.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465917024829/a17-7673_1ex99d8doo1.htm) |

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|  | (2)  | Second Amendment to Participation Agreement; Included in Registrant's Form N-4, File No. 333-185326, Accession No. 0001104659-17-024829 filed on April 20, 2017, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465917024829/a17-7673_1ex99d8doo2.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465917024829/a17-7673_1ex99d8doo2.htm) |
|  | (3)  | Third Amendment to Participation Agreement; Included in Registrant's Form N-4, File No. 333-185326, Accession No. 0001104659-18-075033 filed on December 28, 2018, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465918075033/a18-41614_1ex99doo3.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465918075033/a18-41614_1ex99doo3.htm) |
|  | (4) | Fourth Amendment to the Participation Agreement; Included in Registrant's Form N-4, File No. 333-185326, Accession No. 0001104659-21-054355 filed on April 23, 2021, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465921054355/0001104659-21-054355-index.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465921054355/0001104659-21-054355-index.htm) |
| (nn) | Distribution Fee Agreement with JPMorgan Insurance Trust; included in Registrant's Form N-4, File No. 333-185326, Accession No. 0001193125-15-134853 filed on April 17, 2015, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312515134853/d833345dex998pp.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312515134853/d833345dex998pp.htm) | Distribution Fee Agreement with JPMorgan Insurance Trust; included in Registrant's Form N-4, File No. 333-185326, Accession No. 0001193125-15-134853 filed on April 17, 2015, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312515134853/d833345dex998pp.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312515134853/d833345dex998pp.htm) |
| (oo) | Fund Participation Agreement with JPMorgan Insurance Trust (formerly called One Group Investments Trust); included in Registrant's Form N-4, File No. 333-185326, Accession No. 0001193125-15-134853 filed on April 17, 2015, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312515134853/d833345dex998qq.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312515134853/d833345dex998qq.htm) | Fund Participation Agreement with JPMorgan Insurance Trust (formerly called One Group Investments Trust); included in Registrant's Form N-4, File No. 333-185326, Accession No. 0001193125-15-134853 filed on April 17, 2015, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312515134853/d833345dex998qq.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312515134853/d833345dex998qq.htm) |
|  | (1) | First Amendment to Fund Participation Agreement; included in Registrant's Form N-4, File No. 333-185326, Accession No. 0001193125-15-134853 filed on April 17, 2015, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312515134853/d833345dex998qq1.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312515134853/d833345dex998qq1.htm) |
| (pp) | Supplemental Payment Agreement with JPMorgan Insurance Trust (formerly called One Group Investments Trust); included in Registrant's Form N-4, File No. 333-185326, Accession No. 0001193125-15-134853 filed on April 17, 2015, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312515134853/d833345dex998rr.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312515134853/d833345dex998rr.htm) | Supplemental Payment Agreement with JPMorgan Insurance Trust (formerly called One Group Investments Trust); included in Registrant's Form N-4, File No. 333-185326, Accession No. 0001193125-15-134853 filed on April 17, 2015, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312515134853/d833345dex998rr.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312515134853/d833345dex998rr.htm) |
|  | (1)  | First Amendment to the Supplemental Payment Agreement; included in Registrant's Form N-4, File No. 333-185326, Accession No. 0001193125-15-134853 filed on April 17, 2015, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312515134853/d833345dex998rr1.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312515134853/d833345dex998rr1.htm) |
|  | (2) | Second Amendment to the Supplemental Payment Agreement; included in Registrant's Form N-4, File No. 333-185326, Accession No. 0001193125-15-134853 filed on April 17, 2015, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312515134853/d833345dex998rr2.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312515134853/d833345dex998rr2.htm) |
|  | (3) | Third Amendment to Supplemental Payment Agreement; Included in Registrant's Form N-4, File No. 333-185326, Accession No. 0001193125-15-346562 filed on October 19, 2015 and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312515346562/d86009dex998rr3.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312515346562/d86009dex998rr3.htm) |

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| (qq) | Distribution and Marketing Support Agreement (Amended and Restated) with BlackRock Variable Series Fund, Inc.; included in Registrant's Form N-4, File No. 333-185326, Accession No. 0001193125-15-134853 filed on April 17, 2015, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312515134853/d833345dex998ss.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312515134853/d833345dex998ss.htm) | Distribution and Marketing Support Agreement (Amended and Restated) with BlackRock Variable Series Fund, Inc.; included in Registrant's Form N-4, File No. 333-185326, Accession No. 0001193125-15-134853 filed on April 17, 2015, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312515134853/d833345dex998ss.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312515134853/d833345dex998ss.htm) |
| (rr) | Exhibit B to the Pacific Select Fund Participation Agreement; Included in Registrant's Form N-4, File No. 333-160772, Accession No. 0001193125-14-310473 filed August 15, 2014, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312514310473/d767546dex998qq.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312514310473/d767546dex998qq.htm) | Exhibit B to the Pacific Select Fund Participation Agreement; Included in Registrant's Form N-4, File No. 333-160772, Accession No. 0001193125-14-310473 filed August 15, 2014, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312514310473/d767546dex998qq.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312514310473/d767546dex998qq.htm) |
| (ss) | Participation Agreement with Legg Mason Partners III; Filed as part of Post-Effective Amendment No. 9 to the Registration Statement on Form N-6 via EDGAR on April 16, 2007, File No. 333-118913, Accession Number 000892569-07-000444, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/832908/000089256907000444/a23397a1exv99wx8yxpy.htm](https://www.sec.gov/Archives/edgar/data/832908/000089256907000444/a23397a1exv99wx8yxpy.htm) | Participation Agreement with Legg Mason Partners III; Filed as part of Post-Effective Amendment No. 9 to the Registration Statement on Form N-6 via EDGAR on April 16, 2007, File No. 333-118913, Accession Number 000892569-07-000444, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/832908/000089256907000444/a23397a1exv99wx8yxpy.htm](https://www.sec.gov/Archives/edgar/data/832908/000089256907000444/a23397a1exv99wx8yxpy.htm) |
|  | (1)  | First Amendment to Participation Agreement; Included in Registrant's Form N-6, File No. 333-172851, Accession No. 0001193125-15-132710 filed April 16, 2015, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/832908/000119312515132710/d833403dex998p1.htm](https://www.sec.gov/Archives/edgar/data/832908/000119312515132710/d833403dex998p1.htm) |
|  | (2)  | Second Amendment to Participation Agreement; Included in Registrant's Form N-6, File No. 333-172851, Accession No. 0001193125-15-132710 filed April 16, 2015, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/832908/000119312515132710/d833403dex998p2.htm](https://www.sec.gov/Archives/edgar/data/832908/000119312515132710/d833403dex998p2.htm) |
|  | (3)  | Third Amendment to Participation Agreement; Included in Registrant's Form N-4, File No. 333-185326, Accession No. 0001104659-17-024829 filed on April 20, 2017, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465917024829/a17-7673_1ex99d8duu3.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465917024829/a17-7673_1ex99d8duu3.htm) |
|  | (4) | Fourth Amendment to Participation Agreement; Included in Registrant's Form N-6 via EDGAR on May 9, 2019, File No. 333-231308, Accession Number 0001104659-19-028107, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/832908/000110465919028107/a19-9292_1ex99d8i4.htm](https://www.sec.gov/Archives/edgar/data/832908/000110465919028107/a19-9292_1ex99d8i4.htm) |
|  | (5) | Fifth Amendment to Participation Agreement; Included in Registrant's Form N-6, File No. 333-185326, Accession No. 0001104659-20-048068 filed on April 17, 2020, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465920048068/a20-9594_1ex99d8uu5.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465920048068/a20-9594_1ex99d8uu5.htm) |
| (tt) | Service Agreement with Legg Mason Investor Services, LLC; Filed as part of Post-Effective Amendment No. 9 to the Registration Statement on Form N-6 via EDGAR on April 16, 2007, File No. 333-118913, Accession Number 000892569-07-000444, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/832908/000089256907000444/a23397a1exv99wx8yxqy.htm](https://www.sec.gov/Archives/edgar/data/832908/000089256907000444/a23397a1exv99wx8yxqy.htm) | Service Agreement with Legg Mason Investor Services, LLC; Filed as part of Post-Effective Amendment No. 9 to the Registration Statement on Form N-6 via EDGAR on April 16, 2007, File No. 333-118913, Accession Number 000892569-07-000444, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/832908/000089256907000444/a23397a1exv99wx8yxqy.htm](https://www.sec.gov/Archives/edgar/data/832908/000089256907000444/a23397a1exv99wx8yxqy.htm) |
|  | (1)  | First Amendment to Service Agreement; Included in Registrant's Form N-6, File No. 333-172851, Accession No. 0001193125-15-132710 filed April 16, 2015, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/832908/000119312515132710/d833403dex998q1.htm](https://www.sec.gov/Archives/edgar/data/832908/000119312515132710/d833403dex998q1.htm) |
|  | (2)  | Second Amendment to Service Agreement; Included in Registrant's Form N-6, File No. 333-172851, Accession No. 0001193125-15-132710 filed April 16, 2015, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/832908/000119312515132710/d833403dex998q2.htm](https://www.sec.gov/Archives/edgar/data/832908/000119312515132710/d833403dex998q2.htm) |

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|:---|:---|:---|
|  | (3)  | Third Amendment to Service Agreement; Included in Registrant's Form N-6, File No. 333-172851, Accession No. 0001193125-15-304332 filed August 27, 2015, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/832908/000119312515304332/d33130dex998q3.htm](https://www.sec.gov/Archives/edgar/data/832908/000119312515304332/d33130dex998q3.htm) |
|  | (4) | Fourth Amendment to Service Agreement; Included in Registrant's Form N-6 via EDGAR on May 9, 2019, File No. 333-231308, Accession Number 0001104659-19-028107, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/832908/000110465919028107/a19-9292_1ex99d8j4.htm](https://www.sec.gov/Archives/edgar/data/832908/000110465919028107/a19-9292_1ex99d8j4.htm) |
|  | (5) | Fifth Amendment to Service Agreement; Included in Registrant's Form N-6, File No. 333-185326, Accession No. 0001104659-20-048068 filed on April 17, 2020, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465920048068/a20-9594_1ex99d8vv5.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465920048068/a20-9594_1ex99d8vv5.htm) |
|  | (6) | Sixth Amendment to Service Agreement ; Included in the Registrant's Form N-4; File No. 333-240070 Accession No. 0001104659-20-112014 filed on October 5, 2020, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465920112014/a20-32161_1ex99d8y6.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465920112014/a20-32161_1ex99d8y6.htm) |
| (uu) | Participation Agreement with Neuberger Berman; Filed as part of the Registration Statement on Form N-6 via EDGAR on April 15, 2013, File No. 333-172851, Accession Number 0000950123-13-002255, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/832908/000095012313002255/a30080bexv99w8xrry.htm](https://www.sec.gov/Archives/edgar/data/832908/000095012313002255/a30080bexv99w8xrry.htm) | Participation Agreement with Neuberger Berman; Filed as part of the Registration Statement on Form N-6 via EDGAR on April 15, 2013, File No. 333-172851, Accession Number 0000950123-13-002255, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/832908/000095012313002255/a30080bexv99w8xrry.htm](https://www.sec.gov/Archives/edgar/data/832908/000095012313002255/a30080bexv99w8xrry.htm) |
|  | (1)  | First Amendment to Participation Agreement; Included in Registrant's Form N-6, File No. 333-172851, Accession No. 0001193125-15-304332 filed August 27, 2015, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/832908/000119312515304332/d33130dex998rr1.htm](https://www.sec.gov/Archives/edgar/data/832908/000119312515304332/d33130dex998rr1.htm) |
| (vv) | Administrative Services Agreement with Neuberger Berman; Filed as part of the Registration Statement on Form N-6 via EDGAR on April 15, 2013, File No. 333-172851, Accession Number 0000950123-13-002255, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/832908/000095012313002255/a30080bexv99w8xssy.htm](https://www.sec.gov/Archives/edgar/data/832908/000095012313002255/a30080bexv99w8xssy.htm) | Administrative Services Agreement with Neuberger Berman; Filed as part of the Registration Statement on Form N-6 via EDGAR on April 15, 2013, File No. 333-172851, Accession Number 0000950123-13-002255, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/832908/000095012313002255/a30080bexv99w8xssy.htm](https://www.sec.gov/Archives/edgar/data/832908/000095012313002255/a30080bexv99w8xssy.htm) |
| (ww) | Distribution and Administrative Services Agreement (Amended and Restated) with Neuberger Berman; Included in Registrant's Form N-6, File No. 333-172851, Accession No. 0001193125-15-304332 filed August 27, 2015, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/832908/000119312515304332/d33130dex998aaa.htm](https://www.sec.gov/Archives/edgar/data/832908/000119312515304332/d33130dex998aaa.htm) | Distribution and Administrative Services Agreement (Amended and Restated) with Neuberger Berman; Included in Registrant's Form N-6, File No. 333-172851, Accession No. 0001193125-15-304332 filed August 27, 2015, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/832908/000119312515304332/d33130dex998aaa.htm](https://www.sec.gov/Archives/edgar/data/832908/000119312515304332/d33130dex998aaa.htm) |
| (xx) | Revenue Sharing Agreement with Oppenheimer; Filed as part of the Registration Statement on Form N-6 via EDGAR on May 30, 2013, File No. 333-152224, Accession Number 0001193125-13-240969, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/832908/000119312513240969/d537621dex998vv.htm](https://www.sec.gov/Archives/edgar/data/832908/000119312513240969/d537621dex998vv.htm) | Revenue Sharing Agreement with Oppenheimer; Filed as part of the Registration Statement on Form N-6 via EDGAR on May 30, 2013, File No. 333-152224, Accession Number 0001193125-13-240969, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/832908/000119312513240969/d537621dex998vv.htm](https://www.sec.gov/Archives/edgar/data/832908/000119312513240969/d537621dex998vv.htm) |
| (yy) | Participation Agreement with Oppenheimer; Filed as part of the Registration Statement on Form N-6 via EDGAR on May 30, 2013, File No. 333-152224, Accession Number 0001193125-13-240969, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/832908/000119312513240969/d537621dex998uu.htm](https://www.sec.gov/Archives/edgar/data/832908/000119312513240969/d537621dex998uu.htm) | Participation Agreement with Oppenheimer; Filed as part of the Registration Statement on Form N-6 via EDGAR on May 30, 2013, File No. 333-152224, Accession Number 0001193125-13-240969, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/832908/000119312513240969/d537621dex998uu.htm](https://www.sec.gov/Archives/edgar/data/832908/000119312513240969/d537621dex998uu.htm) |

---

------

---

| | | | |
|:---|:---|:---|:---|
|  | (1)  | (1)  | First Amendment to Participation Agreement; Included in Registrant's Form N-6, File No. 333-172851, Accession No. 0001193125-15-132710 filed April 16, 2015, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/832908/000119312515132710/d833403dex998tt1.htm](https://www.sec.gov/Archives/edgar/data/832908/000119312515132710/d833403dex998tt1.htm) |
|  | (2)  | (2)  | Second Amendment to Participation Agreement; Included in Registrant's Form N-4, File No. 333-185326, Accession No. 0001193125-15-346562 filed on October 19, 2015 and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312515346562/d86009dex998aaa2.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312515346562/d86009dex998aaa2.htm) |
|  | (3)  | (3)  | Third Amendment to Participation Agreement; Included in Registrant's Form N-4, File No. 333-185326, Accession No. 0001104659-17-024829 filed on April 20, 2017, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465917024829/a17-7673_1ex99d8daaa3.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465917024829/a17-7673_1ex99d8daaa3.htm) |
| (zz) | Revenue Sharing Agreement with Oppenheimer (Amended and Restated); Included in Registrant's Form N-4, File No. 333-185326, Accession No. 0001193125-15-346562 filed on October 19, 2015 and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312515346562/d86009dex998bbb.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312515346562/d86009dex998bbb.htm) | Revenue Sharing Agreement with Oppenheimer (Amended and Restated); Included in Registrant's Form N-4, File No. 333-185326, Accession No. 0001193125-15-346562 filed on October 19, 2015 and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312515346562/d86009dex998bbb.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312515346562/d86009dex998bbb.htm) | Revenue Sharing Agreement with Oppenheimer (Amended and Restated); Included in Registrant's Form N-4, File No. 333-185326, Accession No. 0001193125-15-346562 filed on October 19, 2015 and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312515346562/d86009dex998bbb.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312515346562/d86009dex998bbb.htm) |
| (aaa) | Distribution Sub-Agreement with BlackRock Variable Series Fund, Inc.; Included in Registrant's Form N-4, File No. 333-185326, Accession No. 0001104659-17-024829 filed on April 20, 2017, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465917024829/a17-7673_1ex99d8dccc.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465917024829/a17-7673_1ex99d8dccc.htm) | Distribution Sub-Agreement with BlackRock Variable Series Fund, Inc.; Included in Registrant's Form N-4, File No. 333-185326, Accession No. 0001104659-17-024829 filed on April 20, 2017, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465917024829/a17-7673_1ex99d8dccc.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465917024829/a17-7673_1ex99d8dccc.htm) | Distribution Sub-Agreement with BlackRock Variable Series Fund, Inc.; Included in Registrant's Form N-4, File No. 333-185326, Accession No. 0001104659-17-024829 filed on April 20, 2017, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465917024829/a17-7673_1ex99d8dccc.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465917024829/a17-7673_1ex99d8dccc.htm) |
| (bbb) | Administrative Services Agreement with Invesco Advisors, Inc.; Included in Registrant's Form N-4, File No. 333-185326, Accession No. 0001104659-17-024829 filed on April 20, 2017, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465917024829/a17-7673_1ex99d8dddd.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465917024829/a17-7673_1ex99d8dddd.htm) | Administrative Services Agreement with Invesco Advisors, Inc.; Included in Registrant's Form N-4, File No. 333-185326, Accession No. 0001104659-17-024829 filed on April 20, 2017, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465917024829/a17-7673_1ex99d8dddd.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465917024829/a17-7673_1ex99d8dddd.htm) | Administrative Services Agreement with Invesco Advisors, Inc.; Included in Registrant's Form N-4, File No. 333-185326, Accession No. 0001104659-17-024829 filed on April 20, 2017, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465917024829/a17-7673_1ex99d8dddd.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465917024829/a17-7673_1ex99d8dddd.htm) |
| (ccc) | Financial Support Agreement with Invesco Distributors, Inc.; Included in Registrant's Form N-4, File No. 333-185326, Accession No. 0001104659-17-024829 filed on April 20, 2017, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465917024829/a17-7673_1ex99d8deee.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465917024829/a17-7673_1ex99d8deee.htm) | Financial Support Agreement with Invesco Distributors, Inc.; Included in Registrant's Form N-4, File No. 333-185326, Accession No. 0001104659-17-024829 filed on April 20, 2017, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465917024829/a17-7673_1ex99d8deee.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465917024829/a17-7673_1ex99d8deee.htm) | Financial Support Agreement with Invesco Distributors, Inc.; Included in Registrant's Form N-4, File No. 333-185326, Accession No. 0001104659-17-024829 filed on April 20, 2017, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465917024829/a17-7673_1ex99d8deee.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465917024829/a17-7673_1ex99d8deee.htm) |
|  | (1) | First Amendment to Financial Support Agreement; Included in Registrant's Form N-4, File No. 333-261003, Accession No. 0001104659-21-137790 filed on November 12, 2021, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465921137790/a21-32393_1ex99d8eee1.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465921137790/a21-32393_1ex99d8eee1.htm) | First Amendment to Financial Support Agreement; Included in Registrant's Form N-4, File No. 333-261003, Accession No. 0001104659-21-137790 filed on November 12, 2021, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465921137790/a21-32393_1ex99d8eee1.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465921137790/a21-32393_1ex99d8eee1.htm) |
|  | (2) | Second Amendment to Financial Support Agreement ; Included in Registrant's Form N-4, File No. 333-261003, Accession No. 0001104659-21-137790 filed on November 12, 2021, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465921137790/a21-32393_1ex99d8eee2.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465921137790/a21-32393_1ex99d8eee2.htm) | Second Amendment to Financial Support Agreement ; Included in Registrant's Form N-4, File No. 333-261003, Accession No. 0001104659-21-137790 filed on November 12, 2021, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465921137790/a21-32393_1ex99d8eee2.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465921137790/a21-32393_1ex99d8eee2.htm) |
| (ddd) | Distribution and/or Service (12b-1) Fee Agreement with Legg Mason Investor Services, LLC; Included in Registrant's Form N-4, File No. 333-185326, Accession No. 0001104659-17-024829 filed on April 20, 2017, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465917024829/a17-7673_1ex99d8dfff.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465917024829/a17-7673_1ex99d8dfff.htm) | Distribution and/or Service (12b-1) Fee Agreement with Legg Mason Investor Services, LLC; Included in Registrant's Form N-4, File No. 333-185326, Accession No. 0001104659-17-024829 filed on April 20, 2017, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465917024829/a17-7673_1ex99d8dfff.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465917024829/a17-7673_1ex99d8dfff.htm) | Distribution and/or Service (12b-1) Fee Agreement with Legg Mason Investor Services, LLC; Included in Registrant's Form N-4, File No. 333-185326, Accession No. 0001104659-17-024829 filed on April 20, 2017, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465917024829/a17-7673_1ex99d8dfff.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465917024829/a17-7673_1ex99d8dfff.htm) |
| (eee) | **Selling Agreement with PIMCO Variable Insurance Trust (Admin Shares); Included in Registrant's Form N-4, File No. 333-185326, Accession No. 0001104659-18-075033 filed on December 28, 2018, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465918075033/a18-41614_1ex99dggg.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465918075033/a18-41614_1ex99dggg.htm)** | **Selling Agreement with PIMCO Variable Insurance Trust (Admin Shares); Included in Registrant's Form N-4, File No. 333-185326, Accession No. 0001104659-18-075033 filed on December 28, 2018, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465918075033/a18-41614_1ex99dggg.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465918075033/a18-41614_1ex99dggg.htm)** | **Selling Agreement with PIMCO Variable Insurance Trust (Admin Shares); Included in Registrant's Form N-4, File No. 333-185326, Accession No. 0001104659-18-075033 filed on December 28, 2018, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465918075033/a18-41614_1ex99dggg.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465918075033/a18-41614_1ex99dggg.htm)** |

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------

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| | | |
|:---|:---|:---|
|  | (fff) | Service Agreement with PIMCO Variable Insurance Trust (Admin Shares); Included in Registrant's Form N-4, File No. 333-236927, Accession No. 0001104659-20-095320 filed on August 14, 2020, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465920095320/a20-26310_1ex99d13.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465920095320/a20-26310_1ex99d13.htm) |
| (9) | **Administrative Contracts** | **Administrative Contracts** |
|  | Inapplicable | Inapplicable |
| (10) | **Other Material Contracts** | **Other Material Contracts** |
|  | Inapplicable | Inapplicable |
| (11) | **Legal Opinion** | **Legal Opinion** |
|  | Opinion and Consent of legal officer of Pacific Life Insurance Company as to the legality of Contracts being registered; Included in Registrant's Form N-4, File No. 333-261003, Accession No. 0001104659-21-137790 filed on November 12, 2021, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465921137790/a21-32393_1ex99d11.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465921137790/a21-32393_1ex99d11.htm) | Opinion and Consent of legal officer of Pacific Life Insurance Company as to the legality of Contracts being registered; Included in Registrant's Form N-4, File No. 333-261003, Accession No. 0001104659-21-137790 filed on November 12, 2021, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465921137790/a21-32393_1ex99d11.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465921137790/a21-32393_1ex99d11.htm) |
| (12) | **Other Opinions** | **Other Opinions** |
|  | Consent of Independent Registered Public Accounting Firm and Consent of Independent Auditors [TO BE FILED] | Consent of Independent Registered Public Accounting Firm and Consent of Independent Auditors [TO BE FILED] |
| (13) | **Omitted Financial Statements** | **Omitted Financial Statements** |
|  | Inapplicable | Inapplicable |
| (14) | **Initial Capital Agreements** | **Initial Capital Agreements** |
|  | Inapplicable | Inapplicable |
| (15) | **[Powers of Attorney](tm2523176d1_ex99-x15.htm)**  | **[Powers of Attorney](tm2523176d1_ex99-x15.htm)**  |
| (16) | **[Form of Initial Summary Prospectus](tm2523176d1_ex99-x16.htm)**  | **[Form of Initial Summary Prospectus](tm2523176d1_ex99-x16.htm)**  |

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#### Item 28. Directors and Officers of Pacific Life

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| | |
|:---|:---|
| **Name and Address** | &nbsp;&nbsp;&nbsp;**Positions and Offices with Pacific Life** |
| Darryl D. Button | Director, Chairman, President and Chief Executive Officer |
| Vibhu R. Sharma | Director, Executive Vice President and Chief Financial Officer |
| Jason Orlandi | Director, Executive Vice President, General Counsel and Assistant Secretary |

---

------

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| | |
|:---|:---|
| Dawn M. Behnke | Executive Vice President |
| Carol J. Krosky | Senior Vice President and Chief Accounting Officer |
| Starla Yamauchi | Vice President and Secretary |
| Craig W. Leslie | Senior Vice President and Treasurer |

---

The address for each of the persons listed above is as follows:

700 Newport Center Drive Newport Beach, California 92660

#### Item 29. Persons Controlled by or Under Common Control with Pacific Life or Separate Account A.
The following is an explanation of the organization chart of Pacific Life's subsidiaries:

Pacific Life is a Nebraska Stock Life Insurance Company wholly-owned by Pacific LifeCorp (a Delaware Stock Holding Company), which is, in turn, 100% owned by Pacific Mutual Holding Company (a Nebraska Mutual Insurance Holding Company).

#### PACIFIC LIFE, SUBSIDIARIES & AFFILIATED ENTERPRISES

#### LEGAL STRUCTURE

---

| | | |
|:---|:---|:---|
| | **Jurisdiction of Incorporation or Organization** | **Percentage of** <br>**Ownership by**<br>**its Immediate** <br>**Parent** |
| **Pacific Mutual Holding Company** | Nebraska |  |
| **Pacific LifeCorp** | Delaware | 100 |
| **Pacific Life Insurance Company**  | Nebraska | 100 |
| APC Asset Development I LP | Delaware | 99.92 |
| APC Asset Development II LP | Delaware | 99.94 |
| Pacific Life & Annuity Company | Arizona | 100 |
| Pacific Life Purchasing LLC | Delaware  | 100 |
| Pacific Select Distributors, LLC | Delaware  | 100 |
| Pacific Asset Holding LLC  | Delaware | 100 |
| Pacific TriGuard Partners LLC | Delaware | 100 |
| Gallery Limited Member, LLC | Delaware | 100 |
| Gallery Place MRP-GFI Venture, LLC | Delaware | 10 |
| Grayhawk Golf Holdings, LLC | Delaware | 95 |
| Grayhawk Golf L.L.C. | Arizona | 100 |
| Las Vegas Golf I, LLC | Delaware | 100 |
| Angel Park Golf, LLC | Nevada | 100 |
| Wildflower Member, LLC | Delaware | 100 |
| Epoch-Wildflower, LLC | Florida | 100 |
| PL TOR Member LLC  | Delaware | 100 |
| 2803 Riverside Apartment Investors, LLC  | Delaware | 90 |
| PL Denver Member, LLC  | Delaware | 100 |
| 1776 Curtis, LLC | Delaware | 70 |
| PL Timberlake Member, LLC  | Delaware | 100 |
| 80 South Gibson Road Apartment Investors, LLC | Delaware | 90 |
| PL Van Buren Member, LLC  | Delaware | 100 |
| 1035 Van Buren Holdings, L.L.C. | Delaware | 43 |
| PL Lakemont Member, LLC  | Delaware | 100 |
| Overlook at Lakemont Venture LLC | Delaware | 88 |
| 700 Main Street LLC  | Delaware | 100 |
| PL One Jefferson Member, LLC | Delaware | 100 |
| One Jefferson Venture LLC | Delaware | 90 |
| PL Mortgage Fund, LLC | Delaware | 100 |
| PL Andate Member, LLC | Delaware | 100 |
| Andante Venture LLC | Delaware | 90 |
| PL Beardslee Member, LLC | Delaware | 100 |

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------

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| | | |
|:---|:---|:---|
| Village at Beardslee Investor, LLC | Delaware | 90 |
| PL Monterone Member, LLC | Delaware | 100 |
| Monterone Apartment Investor, LLC | Delaware | 90 |
| PL Reno Member, LLC | Delaware | 100 |
| NPLC BV Manager LLC | Delaware | 82.353 |
| PL Wabash Member, LLC | Delaware | 100 |
| THC 1333 S. Wabash LLC | Delaware | 90 |
| PL Wardman Member, LLC | Delaware | 100 |
| Wardman Hotel Owner, L.L.C. | Delaware | 100 |
| PL Peoria Member, LLC | Delaware | 100 |
| 205 Peoria Street Owner, LLC | Delaware | 100 |
| PL Stonebriar Member, LLC  | Delaware | 100 |
| Stonebriar Apartment Investor, LLC  | Delaware | 90 |
| PL Deer Run Member, LLC  | Delaware | 100 |
| Deer Run JV LLC | Delaware | 60 |
| Deer Run Spokane LLC | Washington | 99.99 |
| PL Tessera Member, LLC | Delaware | 100 |
| Tessera Venture LLC | Delaware | 90 |
| Tessera Owner LLC | Delaware | 100 |
| PL Vantage Member, LLC  | Delaware | 100 |
| Vantage Post Oak Apartments, LLC | Delaware | 90 |
| PL Fairfax Gateway Member, LLC  | Delaware | 100 |
| Fairfield Fairfax Gateway LLC | Delaware | 90 |
| PL Four Westlake Owner, LLC | Delaware | 100 |
| PL 922 Washington Owner, LLC  | Delaware | 100 |
| PL Hana Place Member, LLC | Delaware | 100 |
| Hana Place JV LLC | Delaware | 60 |
| PL LasCo Owner, LLC | Delaware | 100 |
| PL Wilshire Member, LLC | Delaware | 100 |
| Wilshire Apartment Investors, LLC  | Delaware | 90 |
| 1111 Wilshire Apartment Investors, LLC | Delaware | 100 |
| PL Cedarwest Member, LLC | Delaware | 100 |
| Cedarwest JV LLC  | Delaware | 60 |
| PL Tupelo Member, LLC | Delaware | 100 |
| Tupelo Alley Apartment Investors, LLC  | Delaware | 90 |
| Tupelo Alley Owner, LLC | Delaware | 100 |
| PL Aster Member, LLC | Delaware | 100 |
| Alston Manor Investors JV LLC  | Delaware | 90 |
| PL Anthology Member, LLC  | Delaware | 100 |
| Anthology Venture LLC | Delaware | 100 |
| Anthology Owner LLC | Delaware | 100 |
| Anthology CEA Owner LLC | Delaware | 100 |
| PL Trelago Member, LLC  | Delaware | 100 |
| Trelago Way Investors JV LLC | Delaware | 100 |
| PL 803 Division Street Member, LLC  | Delaware | 100 |
| Nashville Gulch Venture LLC | Delaware | 100 |
| Nashville Gulch Owner LLC | Delaware | 100 |
| PL Little Italy Member, LLC  | Delaware | 100 |
| Little Italy Apartments LLC | Delaware | 69.1848 |
| PL Gramax Member, LLC  | Delaware | 100 |
| ASI Gramax LLC | Delaware | 90 |
| PL Walnut Creek Member, LLC  | Delaware | 100 |
| Del Hombre Walnut Creek Holdings LLC | Delaware | 75 |
| PL Dairies Owner, LLC | Delaware | 100 |
| PL SFR HD Member, LLC | Delaware | 100 |
| SFR JV-HD LP | Delaware | 33.333 |
| SFR JV-HD TL Equity A LLC | Delaware | 100 |
| SFR JV-HD TL Borrower A LLC | Delaware | 100 |
| SFR JV-HD TL Equity B LLC | Delaware | 100 |
| SFR JV-HD TL Borrower B LLC | Delaware | 100 |
| SFR JV-HD Equity LCC | Delaware | 100 |

---

------

---

| | | |
|:---|:---|:---|
| SFR JV-HD Property LLC | Delaware | 100 |
| PL Adley Member, LLC | Delaware | 100 |
| Redwood PL Adley LLC | Delaware | 90 |
| DD 6075 Roswell LLC | Georgia | 100 |
| PL GAAV Member, LLC | Delaware | 100 |
| Greystar Active Adult Venture I, LP | Delaware | 45 |
| GS AA Draper HoldCo, LLC | Delaware | 100 |
| GS AA Draper Owner, LLC | Delaware | 100 |
| GS AA Village5 HoldCo, LLC | Delaware | 100 |
| GS AA Village5 Owner, LLC | Delaware | 100 |
| GS AA Avenu Natick HoldCo, LLC | Delaware | 100 |
| GS AA Avenu Natick Owner, LLC | Delaware | 100 |
| GS AA Riverwalk HoldCo, LLC | Delaware | 100 |
| GS AA Riverwalk Owner, LLC | Delaware | 100 |
| GS AA Stapleton HoldCo, LLC | Delaware | 100 |
| GS AA Stapleton Owner, LLC | Delaware | 100 |
| GS AA San Marcos HoldCo, LLC | Delaware | 100 |
| GS AA San Marcos Owner, LLC | Delaware | 100 |
| GS AA Vistas HoldCo LLC | Delaware | 100 |
| GS AA Vistas Owner LLC | Delaware | 100 |
| GS AA Kierland HoldCo LLC | Delaware | 100 |
| GS AA Kierland Owner LLC | Delaware | 100 |
| GS AA Naperville HoldCo, LLC | Delaware | 100 |
| GS AA Naperville Owner, LLC | Delaware | 100 |
| PL Fountain Springs Member, LLC | Delaware | 100 |
| Fountain Springs JV LLC | Delaware | 80 |
| Fountain Springs LLC | Colorado | 100 |
| PL SFR MLS Member, LLC | Delaware | 100 |
| SFR JV-2 LP | Delaware | 16.129 |
| SFR JV-2 2022-1 Equity Owner LLC | Delaware | 100 |
| SFR JV-2 2022-1 Borrower LLC | Delaware | 100 |
| SFR JV-2 2022-1 Depositor LLC | Delaware | 100 |
| SFR JV-2 2022-2 Equity Owner LLC | Delaware | 100 |
| SFR JV-2 2022-2 Borrower LLC | Delaware | 100 |
| SFR JV-2 2022-2 Depositor LLC | Delaware | 100 |
| SFR JV-2 DDTL Equity LLC | Delaware | 100 |
| SFR JV-2 DDTL Borrower LLC | Delaware | 100 |
| SFR JV-2 NTL Equity LLC | Delaware | 100 |
| SFR JV-2 NTL Borrower LLC | Delaware | 100 |
| SFR JV-2 2023-1 Equity Owner LLC | Delaware | 100 |
| SFR JV-2 2023-1 Borrower LLC | Delaware | 100 |
| SFR JV-2 2023-1 Depositor LLC | Delaware | 100 |
| SFR JV-2 Equity LLC | Delaware | 100 |
| SFR JV-2 Property LLC | Delaware | 100 |
| PL Hawkins Press Member, LLC | Delaware | 100 |
| Hawkins Press Investors JV, LLC | Delaware | 85 |
| PL Wilder Member, LLC | Delaware | 100 |
| Redwood PL Wilder, LLC | Delaware | 90 |
| RPL Wilder, LLC | Delaware | 100 |
| PL Allston Yard Member, LLC | Delaware | 100 |
| Allston Yards Apartments, LLC | Delaware | 80 |
| PL Arkins Member, LLC | Delaware | 100 |
| 2950 Arkins Owner, LLC | Delaware | 90 |
| 2950 Arkins Commercial, LLC | Delaware | 100 |
| 2950 Arkins Residential, LLC | Delaware | 100 |
| PL Bromwell Member, LLC | Delaware | 100 |
| Bromwell Investors LLC | Delaware | 90 |
| Bromwell Owner LLC | Delaware | 100 |
| PL Loso Member, LLC | Delaware | 100 |
| South & Hollis Investors JV LLC | Delaware | 85 |
| KA Loso Investors LLC | Delaware | 73.743 |

---

------

---

| | | |
|:---|:---|:---|
| KA LOSO Holdings LLC | Delaware | 100 |
| PL Tranquility Lake Member, LLC | Delaware | 100 |
| Tranquility Lake Apartment Partners, LLC | Delaware | 90 |
| Tranquility Lake Apartments, LLC | Delaware | 100 |
| PL Milieu Guarantor, LLC | Delaware | 100 |
| PL Park Row Member, LLC | Delaware | 100 |
| Park Row Apartment Partners, LLC | Delaware | 90 |
| Park Row Apartments, LLC | Delaware | 100 |
| PL Towerview Member, LLC | Delaware | 100 |
| Preston Ridge Holdings JV LLC | Delaware | 85 |
| PL DTC Member, LLC | Delaware | 100 |
| Legacy/PL DTC JV LLC | Delaware | 90 |
| Legacy DTC Owner LLC | Delaware | 100 |
| PL Monte Vista Member, LLC | Delaware | 100 |
| Monte Vista JV LLC | Delaware | 79.984 |
| Monte Vista Preservation LP | California | 99.98 |
| PL 315 Elden Member, LLC | Delaware | 100 |
| 315 Elden Multifamily JV Investors LLC | Delaware | 90 |
| 315 Elden Street Multifamily Partners LLC | Delaware | 80 |
| 315 Elden Street Owner LLC | Delaware  | 100 |
| PL 400k Member, LLC | Delaware | 100 |
| 400 K Street, LLC | Delaware | 49.9 |
| PL 440k Member, LLC | Delaware | 100 |
| 440 K Street, LLC | Delaware | 49.9 |
| PL Fusion Member, LLC | Delaware | 100 |
| Fusion MF Venture LLC | Delaware | 90 |
| PL Heather Estates Member, LLC | Delaware | 100 |
| Heather Estates JV LLC | Delaware | 80 |
| PL Canyon Park Member, LLC | Delaware | 100 |
| Canyon Park JV LLC | Delaware | 80 |
| PL Alta Vista Newcastle MF Member, LLC | Delaware | 100 |
| Alta Vista Newcastle Multifamily JV Investor LLC | Delaware | 90 |
| Alta Vista Newcastle Multifamily Partners LLC | Delaware | 90 |
| Lost Spurs Owner LLC | Delaware | 100 |
| Village at Bellaire Owner LLC | Delaware | 100 |
| PL Del Sol Member, LLC | Delaware | 100 |
| Bradbury/Felix Investors, LLC | Delaware | 95 |
| PL Evo Union Member, LLC | Delaware | 100 |
| Evo Union Park Venture, LLC | Delaware | 87.5 |
| Evo Union Park Property Owner, LLC | Delaware | 100 |
| PL Radian Member, LLC | Delaware | 100 |
| Radian Partners Group LLC | Delaware | 66.5 |
| Radian Partners Property Owner LLC | Delaware | 100 |
| PL Reed Row Member, LLC | Delaware | 100 |
| KJ Florida Avenue JV LLC | Delaware | 85 |
| KJ Florida Avenue Property LLC | Delaware | 100 |
| PL Brightleaf Member, LLC | Delaware | 100 |
| Brightleaf Venture LLC | Delaware | 90 |
| Brightleaf Owner LLC | Delaware | 100 |
| PL Highgate Member, LLC | Delaware | 100 |
| Amherst Investors JV LLC | Delaware | 95 |
| KPL Amherst Owner LLC | Delaware | 100 |
| PL Town Center Member, LLC | Delaware | 100 |
| Town Center MF Venture LLC | Delaware | 90 |
| PL East County Road Owner, LLC | Delaware | 100 |
| WW 1300 Keller Parkway LLC | Delaware | 100 |
| PL Pretium Trust Owner, LLC | Delaware | 100 |
| PL 283 Commerce Member, LLC | Delaware | 100 |
| 283 Commerce Hub Venture, LLC | Delaware | 90 |
| PL Sky Member, LLC | Delaware | 100 |
| Sky JV LLC | Delaware | 75 |

---

------

---

| | | |
|:---|:---|:---|
| Sky Owner LLC | Delaware | 100 |
| PL Dean Member, LLC | Delaware | 100 |
| Dean Investor, LLC | Delaware | 100 |
| PREG San Antonio Apartments, LP | California | 22.75 |
| San Antonio Apartments, LLC | California | 100 |
| PL Hadley Member, LLC | Delaware | 100 |
| Hadley Investor, LLC | Delaware | 100 |
| 525 East Evelyn, LP | California | 19 |
| Hadley Apartments, LLC | California | 100 |
| PL Metropolitan Member, LLC | Delaware | 100 |
| Metropolitan Investor, LL | Delaware | 100 |
| San Mateo West, a California Limited Partnership | California | 39 |
| PL Moreland Member, LLC | Delaware | 100 |
| Moreland Investor, LLC | Delaware | 100 |
| Fourth Avenue, LLC | California | 36 |
| SNB HoldCo, LLC | Delaware | 100 |
| SNB 116 Owner, LLC | Delaware | 100 |
| SNB 120 Owner, LLC | Delaware | 100 |
| SNB 124/125 Owner, LLC | Delaware | 100 |
| SNB 540 Hotel Owner, LLC | Delaware | 100 |
| PL Bala Cynwyd Member, LLC | Delaware | 100 |
| Bala Cynwyd Holdings LLC | Delaware | 90 |
| PL Trimble Member, LLC | Delaware | 100 |
| Trimble Building A Holdings LLC | Delaware | 95 |
| PL Highridge Member, LLC | Delaware | 100 |
| Peacock Ridge Apartments Partners LLC | Delaware | 90 |
| Peacock Ridge Apartments LLC | Delaware | 100 |
| PL Troy Tower Owner, LLC | Delaware | 100 |
| PL CorAm LLC | Delaware | 100 |
| PL Ascend Member, LLC | Delaware | 100 |
| PL Marina Shores Member, LLC | Delaware | 100 |
| PL Aptakisic Member, LLC | Delaware | 100 |
| Aptakisic Road Venture, LLC | Delaware | 95 |
| Confederation Life Insurance and Annuity Company | Georgia | 100 |
| Pacific Global Asset Management LLC <br>*(Formerly known as Pacific Asset Advisors LLC)*  | Delaware | 100 |
| Pacific Global Advisors LLC | Delaware | 100 |
| Pacific Private Fund Advisors LLC | Delaware | 100 |
| Pacific Co-Invest Credit I GP LLC # | Delaware | 100 |
| Pacific Co-Invest Credit II GP LLC # | Delaware | 100 |
| Pacific Co-Invest Opportunities I GP LLC # | Delaware | 100 |
| Pacific Co-Invest Opportunities II GP LLC # | Delaware | 100 |
| Pacific Private Credit II GP LLC # | Delaware | 100 |
| Pacific Private Credit III GP LLC # | Delaware | 100 |
| Pacific Private Credit IV GP LLC # | Delaware | 100 |
| Pacific Private Credit V GP LLC # | Delaware | 100 |
| *Pacific Private Credit Opportunities II GP LLC *#* | Delaware | 100 |
| Pacific Private Equity I GP LLC # | Delaware | 100 |
| Pacific Private Equity Opportunities II GP LLC # | Delaware | 100 |
| Pacific Private Equity Opportunities III GP LLC # | Delaware | 100 |
| Pacific Private Equity Opportunities V GP LLC # | Delaware | 100 |
| Pacific Private Feeder III GP, LLC # | Delaware | 100 |
| Pacific Private Feeder IV GP, LLC # | Delaware | 100 |
| Pacific Private Equity Opportunities IV GP LLC # | Delaware | 100 |
| PPFA Credit Opportunities I GP LLC #  | Delaware | 100 |
| *CAA-PPFA Equity Opportunities I GP LLC *#* | Delaware | 100 |
| CAA-PPFA Opportunities II GP LLC # | Delaware | 100 |
| Pacific Private Equity Opportunities Fund II-B, LLC # | Delaware | 0.01 |
| *Pacific Private Equity II GP LLC *#* | Delaware | 100 |
| Pacific Private Equity II-A GP LLC # | Delaware | 100 |
| Pacific Private Equity Opportunities VI GP LLC # | Delaware | 100 |

---

------

---

| | | |
|:---|:---|:---|
| Pacific Life Fund Advisors LLC  | Delaware | 100 |
| Pacific Life Trade Receivable GP LLC #<br>*(Formerly known as PAM Trade Receivable GP LLC)* | Delaware | 100 |
| Pacific Alliance Reinsurance Company of Vermont | Vermont | 100 |
| Pacific Baleine Reinsurance Company | Vermont | 100 |
| Pacific Private Equity Incentive Allocation LLC | Delaware | 100 |
| Pacific Life & Annuity Services, Inc. | Missouri | 100 |
| Pacific Life Re Holdings LLC  | Delaware | 100 |
| Pacific Life Re Global Limited<br>*(Formerly known as Pacific Life Reinsurance (Barbados) Ltd.)* | Bermuda | 100 |
| Pacific Life Re International Limited | Bermuda | 100 |
| Pacific Life Re (Australia) Pty Limited | Australia | 100 |
| Pacific Life Re Holdings Limited | England | 100 |
| Pacific Life Re Limited | England | 100 |
| Pacific Life Holdings Bermuda Limited | Bermuda | 100 |
| Pacific Life Re (Shanghai) Information Consulting Services Co., Ltd. | China | 100 |
| Pacific Life Services Bermuda Limited | Bermuda | 100 |
| Pacific Life Re Services Singapore Pte. Limited | Singapore | 100 |
| Pacific Life Re Services Limited | England | 100 |
| UnderwriteMe Limited | England | 100 |
| UnderwriteMe Technology Solutions Limited | England | 100 |
| UnderwriteMe North America Corp. | Delaware | 100 |
| UnderwriteMe Australia Pty Limited | Australia | 100 |
| Pacific Life Services Canada Limited | Canada | 100 |

---

__________________________________

# = Abbreviated structure

#### Item 30. Indemnification
&nbsp;&nbsp;&nbsp;&nbsp;(a) The Distribution Agreement between Pacific Life Insurance Company, Pacific Life & Annuity Company (collectively referred to as "Pacific Life") and Pacific Select Distributors, LLC (PSD) provides substantially as follows:

Pacific Life shall indemnify and hold harmless PSD and PSD's officers, directors, agents, controlling persons, employees, subsidiaries and affiliates for all attorneys' fees, litigation expenses, costs, losses, claims, judgments, settlements, fines, penalties, damages, and liabilities incurred as the direct or indirect result of: (i) negligent, dishonest, fraudulent, unlawful, or criminal acts, statements, or omissions by Pacific Life or its employees, agents, officers, or directors; (ii) Pacific Life's breach of this Agreement; (iii) Pacific Life's failure to comply with any statute, rule, or regulation; (iv) a claim or dispute between Pacific Life and a Broker/Dealer (including its Representatives) and/or a Contract owner. Pacific Life shall not be required to indemnify or hold harmless PSD for expenses, losses, claims, damages, or liabilities that result from PSD's misfeasance, bad faith, negligence, willful misconduct or wrongful act.

PSD shall indemnify and hold harmless Pacific Life and Pacific Life's officers, directors, agents, controlling persons, employees, subsidiaries and affiliates for all attorneys' fees, litigation expenses, costs, losses, claims, judgments, settlements, fines, penalties, damages and liabilities incurred as the direct or indirect result of: (i) PSD's breach of this Agreement; and/or (ii) PSD's failure to comply with any statute, rule, or regulation. PSD shall not be required to indemnify or hold harmless Pacific Life for expenses, losses, claims, damages, or liabilities that have resulted from Pacific Life's willful misfeasance, bad

faith, negligence, willful misconduct or wrongful act.

&nbsp;&nbsp;&nbsp;&nbsp;(b) The Form of Selling Agreement between Pacific Life, Pacific Select Distributors, LLC (PSD) and Various Broker-Dealers and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Agency (Selling Entities) provides substantially as follows:<br>

Pacific Life and PSD agree to indemnify and hold harmless Selling Entities, their officers, directors, agents and employees, against any and all losses, claims, damages, or liabilities to which they may become subject under the Securities Act, the Exchange Act, the Investment Company Act of 1940, or other federal or state statutory law or regulation, at common law or otherwise, insofar as such losses, claims, damages or liabilities (or actions in respect thereof) arise out of or are based upon any untrue statement or alleged untrue statement of a material fact or any omission or alleged omission to state a material fact required to be stated or necessary to make the statements made not misleading in the registration statement for the Contracts or for the shares of Pacific Select Fund (the "Fund") filed pursuant to the Securities Act, or any prospectus included as a part thereof, as from time to time amended and supplemented, or in any advertisement or sales literature provided by Pacific Life and PSD.

------

Selling Entities agree to, jointly and severally, hold harmless and indemnify Pacific Life and PSD and any of their respective affiliates, employees, officers, agents and directors (collectively, "Indemnified Persons") against any and all claims, liabilities and expenses (including, without limitation, losses occasioned by any rescission of any Contract pursuant to a "free look" provision or by any return of initial purchase payment in connection with an incomplete application), including, without limitation, reasonable attorneys' fees and expenses and any loss attributable to the investment experience under a Contract, that any Indemnified Person may incur from liabilities resulting or arising out of or based upon (a) any untrue or alleged untrue statement other than statements contained in the registration statement or prospectus relating to any Contract, (b) (i) any inaccurate or misleading, or allegedly inaccurate or misleading sales material used in connection with any marketing or solicitation relating to any Contract, other than sales material provided preprinted by Pacific Life or PSD, and (ii) any use of any sales material that either has not been specifically approved in writing by Pacific Life or PSD or that, although previously approved in writing by Pacific Life or PSD, has been disapproved, in writing by either of them, for further use, or (c) any act or omission of a Subagent, director, officer or employee of Selling Entities, including, without limitation, any failure of Selling Entities or any Subagent to be registered as required as a broker/dealer under the 1934 Act, or licensed in accordance with the rules of any applicable SRO or insurance regulator.

&nbsp;&nbsp;&nbsp;&nbsp;(c) Insofar as indemnification for liabilities arising under the Securities Act of 1933 ("Act") may be permitted to directors, officers or persons controlling Pacific Life pursuant to the foregoing provisions, Pacific Life has been informed that in the opinion of the Securities and Exchange Commission such indemnification is against public policy as expressed in the Act and is, therefore, unenforceable. In the event that a claim for indemnification against such liabilities (other than the payment by the registrant of expenses incurred or paid by a director, officer or controlling person of the registrant in the successful defense of any action, suit or proceeding) is asserted by such director, officer or controlling person in connection with the securities being registered, the registrant will, unless in the opinion of its counsel the matter has been settled by controlling precedent, submit to a court of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed in the Act and will be governed by the final adjudication of such issue.

#### Item 31. Principal Underwriters
(a) PSD also acts as principal
underwriter for Pacific Life Insurance Company, on its own behalf and on behalf of its Separate Account
I, Separate Account A, Separate Account B, Pacific Select Variable Annuity Separate Account, Pacific
Corinthian Variable Separate Account, Pacific Select Exec Separate Account, Pacific COLI Separate Account,
Pacific COLI Separate Account II, Pacific COLI Separate Account III, Pacific COLI Separate Account IV,
Pacific COLI Separate Account V, Pacific COLI Separate Account VI, Pacific COLI Separate Account X, Pacific
COLI Separate Account XI, Pacific Select Separate Account, and Pacific Life & Annuity Company, on
its own behalf and on behalf of its Separate Account A, Pacific Select Exec Separate Account, and Separate
Account I.

(b) For
information regarding PSD, reference is made to Form B-D, SEC File No. 8-15264, which is herein incorporated
by reference. This exhibit can be found at http://brokercheck.finra.org/firm/summary/4452

(c) PSD
retains no compensation or net discounts or commissions from the Registrant.

#### Item 32. Location of Accounts and Records
The accounts, books and other documents required to be maintained by Registrant pursuant to Section 31(a) of the Investment Company Act of 1940 and the rules under that section will be maintained by Pacific Life at 700 Newport Center Drive, Newport Beach, California 92660.

#### Item 33. Management Services
Inapplicable

#### Item 34. Fee Representation
REPRESENTATION PURSUANT TO SECTION 26(f) OF THE INVESTMENT COMPANY ACT OF 1940: Pacific Life Insurance Company and Registrant represent that the fees and charges to be deducted under the Variable Annuity Contract ("Contract") described in the prospectus contained in this registration statement are, in the aggregate, reasonable in relation to the services rendered, the expenses expected to be incurred, and the risks assumed in connection with the Contract.

------

#### Additional Representations
**Pacific Life Insurance Company and the Registrant are relying upon American Council of Life Insurance, SEC No-Action Letter, SEC Ref. No. 1P-6-88 (November 28, 1988) with respect to annuity contracts offered as funding vehicles for retirement plans meeting the requirements of Section 403(b) of the Internal Revenue Code, and the provisions of paragraphs (1)-(4) of this letter have been complied with.**

------

#### SIGNATURES
Pursuant to the requirements of the Securities Act of 1933 and the Investment Company Act of 1940, the Registrant has caused this Post-Effective Amendment No. 7 to the Registration Statement on Form N-4 to be signed on its behalf by the undersigned thereunto duly authorized in the City of Newport Beach, and the State of California on this 13<sup>th</sup> day of August, 2025.

---

| | |
|:---|:---|
| SEPARATE ACCOUNT A | SEPARATE ACCOUNT A |
| (Registrant) | (Registrant) |
|  | PACIFIC LIFE INSURANCE COMPANY |
| By: |  |
|  | Darryl D. Button\* |
|  | Director, Chairman, President and Chief Executive Officer |
|  | PACIFIC LIFE INSURANCE COMPANY |
|  | (Depositor) |
| By: |  |
|  | Darryl D. Button \* |
|  | Director, Chairman, President and Chief Executive Officer |

---

Pursuant to the requirements of the Securities Act of 1933, this Post-Effective Amendment No. 7 to the Registration Statement has been signed below by the following persons in the capacities and on the dates indicated:

---

| | | | |
|:---|:---|:---|:---|
| **Signature** | **Signature** | **Title** | **Date** |
|  |  | Director, Chairman, President and Chief Executive Officer | August 13, 2025 |
| Darryl D. Button \* | Darryl D. Button \* | Director, Chairman, President and Chief Executive Officer |  |
|  |  | Director, Executive Vice President and Chief Financial Officer | August 13, 2025 |
| Vibhu R. Sharma\* | Vibhu R. Sharma\* | Director, Executive Vice President and Chief Financial Officer |  |
|  |  | Director, Executive Vice President and General Counsel | August 13, 2025 |
| Jason Orlandi\* | Jason Orlandi\* | Director, Executive Vice President and General Counsel |  |
|  |  | Vice President and Secretary | August 13, 2025 |
| Starla C. Yamauchi\* | Starla C. Yamauchi\* | Vice President and Secretary |  |
|  |  | Senior Vice President and Chief Accounting Officer | August 13, 2025 |
| Carol J. Krosky\* | Carol J. Krosky\* | Senior Vice President and Chief Accounting Officer |  |
|  |  | Executive Vice President | August 13, 2025 |
| Dawn M. Behnke\* | Dawn M. Behnke\* | Executive Vice President |  |
|  |  | Vice President and Treasurer | August 13, 2025 |
| Craig W. Leslie\* | Craig W. Leslie\* | Vice President and Treasurer |  |
| \*By: | /s/ ALISON RYAN |  | August 13, 2025 |
|  | Alison Ryan |  |  |
|  | as attorney-in-fact |  |  |

---

------

<br> (Powers of Attorney are contained in this Registration Statement as Exhibit 15).

------

## Ex-99.(15)

**Exhibit 99.(15)**

POWER OF ATTORNEY

KNOW ALL PERSONS BY THESE PRESENTS, that the undersigned officer and/or director of Pacific Life Insurance Company ("Company") constitutes and appoints Jason Orlandi and Alison Ryan, each individually as his/her true and lawful attorney-in-fact and agent, each with full power of substitution and resubstitution for his/her name, place, and stead, in any and all capacities, to sign and file on behalf of the Company and/or any of its Separate Accounts, any and all Registration Statements, amendments, supplements and/or exhibits thereto, and any other instruments necessary or desirable in connection therewith, with the Securities and Exchange Commission under the Securities Act of 1933, as amended, and/or the Investment Company Act of 1940, as amended, granting unto said attorney-in-fact and agent, full power and authority to do and perform each and every act and thing requisite and necessary to be done, as fully to all intents and purposes as he/she might or could do in person, hereby ratifying and confirming all that said attorney-in-fact and agent, or his/her substitute or substituted, may lawfully do or cause to be done by virtue hereof:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Registration
 Statements under Separate Account A of Pacific Life Insurance Company (811-08946): 033-88458,
 333-53040, 333-93059, 033-88460, 333-60833, 333-136597, 333-140881, 333-141135, 333-145822
 , 333-148865, 333-160772, 333-160999, 333-168026, 333-168284, 333-175279, 333-178739, 333-184973,
 333-185326, 333-185327, 333-185328, 333-212627, 333-236927, 333-240070, 333-250190,
 333-261003, 333-263416, 333-265390, 333-283568, and 333-283568.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Registration
 Statement under Pacific Select Variable Annuity Separate Account of Pacific Life Insurance
 Company (811-05980): 033-32704.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Registration
 Statement under Separate Account B of Pacific Life Insurance Company (811-07859): 333-14131.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Registration
 Statement under Pacific Corinthian Variable Separate Account of Pacific Life Insurance Company
 (811-07082): 333-39209.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Registration
 Statement under Pacific Life Insurance Company: 333-282283.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Registration
 Statements under the Pacific Select Exec Separate Account of Pacific Life Insurance Company
 (811-05563): 333-267433, 333-260417, 333-255746, 333-238780, 333-238781, 333-233112, 333-231308,
 333-231309, 333-231310, 333-231311, 033-21754, 033-57908, 333-118913, 333-14005, 333-106969,
 333-102902, 333-65458, 333-150092, 333-152224, 333-153027, 333-153022, 333-60461, 333-61135,
 333-01713, 333-20355, 333-172851, 333-202248, 333-209919, 333-275837, 333-287188, and 333-287190.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Registration
 Statements under the Pacific Select Separate Account of Pacific Life Insurance Company (811-05142):
 033-14032.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· New
 Registration Statements issued by Pacific Life Insurance Company, to be filed with the SEC.

This Power of Attorney is intended to supersede any and all prior Powers of Attorney in connection with the above mentioned acts, and remains in effect until revoked or revised.

---

| | | |
|:---|:---|:---|
|  | &nbsp;&nbsp;&nbsp;August 1, 2025 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;/s/ Darryl D. Button |
| Dated: | | |
| | | Darryl D. Button |

---

POWER OF ATTORNEY

KNOW ALL PERSONS BY THESE PRESENTS, that the undersigned officer and/or director of Pacific Life Insurance Company ("Company") constitutes and appoints Jason Orlandi and Alison Ryan, each individually as his/her true and lawful attorney-in-fact and agent, each with full power of substitution and resubstitution for his/her name, place, and stead, in any and all capacities, to sign and file on behalf of the Company and/or any of its Separate Accounts, any and all Registration Statements, amendments, supplements and/or exhibits thereto, and any other instruments necessary or desirable in connection therewith, with the Securities and Exchange Commission under the Securities Act of 1933, as amended, and/or the Investment Company Act of 1940, as amended, granting unto said attorney-in-fact and agent, full power and authority to do and perform each and every act and thing requisite and necessary to be done, as fully to all intents and purposes as he/she might or could do in person, hereby ratifying and confirming all that said attorney-in-fact and agent, or his/her substitute or substituted, may lawfully do or cause to be done by virtue hereof:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Registration
 Statements under Separate Account A of Pacific Life Insurance Company (811-08946): 033-88458,
 333-53040, 333-93059, 033-88460, 333-60833, 333-136597, 333-140881, 333-141135, 333-145822
 , 333-148865, 333-160772, 333-160999, 333-168026, 333-168284, 333-175279, 333-178739, 333-184973,
 333-185326, 333-185327, 333-185328, 333-212627, 333-236927, 333-240070, 333-250190,
 333-261003, 333-263416, 333-265390, 333-283568, and 333-283568.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Registration
 Statement under Pacific Select Variable Annuity Separate Account of Pacific Life Insurance
 Company (811-05980): 033-32704.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Registration
 Statement under Separate Account B of Pacific Life Insurance Company (811-07859): 333-14131.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Registration
 Statement under Pacific Corinthian Variable Separate Account of Pacific Life Insurance Company
 (811-07082): 333-39209.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Registration
 Statement under Pacific Life Insurance Company: 333-282283.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Registration
 Statements under the Pacific Select Exec Separate Account of Pacific Life Insurance Company
 (811-05563): 333-267433, 333-260417, 333-255746, 333-238780, 333-238781, 333-233112, 333-231308,
 333-231309, 333-231310, 333-231311, 033-21754, 033-57908, 333-118913, 333-14005, 333-106969,
 333-102902, 333-65458, 333-150092, 333-152224, 333-153027, 333-153022, 333-60461, 333-61135,
 333-01713, 333-20355, 333-172851, 333-202248, 333-209919, 333-275837, 333-287188, and 333-287190.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Registration
 Statements under the Pacific Select Separate Account of Pacific Life Insurance Company (811-05142):
 033-14032.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· New
 Registration Statements issued by Pacific Life Insurance Company, to be filed with the SEC.

This Power of Attorney is intended to supersede any and all prior Powers of Attorney in connection with the above mentioned acts, and remains in effect until revoked or revised.

---

| | | |
|:---|:---|:---|
|  | &nbsp;&nbsp;&nbsp;August 1, 2025 | /s/ Vibhu R. Sharma |
| Dated: | | |
| | | Vibhu R. Sharma |

---

POWER OF ATTORNEY

KNOW ALL PERSONS BY THESE PRESENTS, that the undersigned officer and/or director of Pacific Life Insurance Company ("Company") constitutes and appoints Alison Ryan, individually as his/her true and lawful attorney-in-fact and agent, each with full power of substitution and resubstitution for his/her name, place, and stead, in any and all capacities, to sign and file on behalf of the Company and/or any of its Separate Accounts, any and all Registration Statements, amendments, supplements and/or exhibits thereto, and any other instruments necessary or desirable in connection therewith, with the Securities and Exchange Commission under the Securities Act of 1933, as amended, and/or the Investment Company Act of 1940, as amended, granting unto said attorney-in-fact and agent, full power and authority to do and perform each and every act and thing requisite and necessary to be done, as fully to all intents and purposes as he/she might or could do in person, hereby ratifying and confirming all that said attorney-in-fact and agent, or his/her substitute or substituted, may lawfully do or cause to be done by virtue hereof:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Registration
 Statements under Separate Account A of Pacific Life Insurance Company (811-08946): 033-88458,
 333-53040, 333-93059, 033-88460, 333-60833, 333-136597, 333-140881, 333-141135, 333-145822
 , 333-148865, 333-160772, 333-160999, 333-168026, 333-168284, 333-175279, 333-178739, 333-184973,
 333-185326, 333-185327, 333-185328, 333-212627, 333-236927, 333-240070, 333-250190,
 333-261003, 333-263416, 333-265390, 333-283568, and 333-283568.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Registration
 Statement under Pacific Select Variable Annuity Separate Account of Pacific Life Insurance
 Company (811-05980): 033-32704.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Registration
 Statement under Separate Account B of Pacific Life Insurance Company (811-07859): 333-14131.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Registration
 Statement under Pacific Corinthian Variable Separate Account of Pacific Life Insurance Company
 (811-07082): 333-39209.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Registration
 Statement under Pacific Life Insurance Company: 333-282283.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Registration
 Statements under the Pacific Select Exec Separate Account of Pacific Life Insurance Company
 (811-05563): 333-267433, 333-260417, 333-255746, 333-238780, 333-238781, 333-233112, 333-231308,
 333-231309, 333-231310, 333-231311, 033-21754, 033-57908, 333-118913, 333-14005, 333-106969,
 333-102902, 333-65458, 333-150092, 333-152224, 333-153027, 333-153022, 333-60461, 333-61135,
 333-01713, 333-20355, 333-172851, 333-202248, 333-209919, 333-275837, 333-287188, and 333-287190.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Registration
 Statements under the Pacific Select Separate Account of Pacific Life Insurance Company (811-05142):
 033-14032.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· New
 Registration Statements issued by Pacific Life Insurance Company, to be filed with the SEC.

This Power of Attorney is intended to supersede any and all prior Powers of Attorney in connection with the above mentioned acts, and remains in effect until revoked or revised.

---

| | | |
|:---|:---|:---|
|  | &nbsp;&nbsp;&nbsp;August 1, 2025 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;/s/ Jason Orlandi |
| Dated: | | |
| | | &nbsp;&nbsp;Jason Orlandi |

---

POWER OF ATTORNEY

KNOW ALL PERSONS BY THESE PRESENTS, that the undersigned officer and/or director of Pacific Life Insurance Company ("Company") constitutes and appoints Jason Orlandi and Alison Ryan, each individually as his/her true and lawful attorney-in-fact and agent, each with full power of substitution and resubstitution for his/her name, place, and stead, in any and all capacities, to sign and file on behalf of the Company and/or any of its Separate Accounts, any and all Registration Statements, amendments, supplements and/or exhibits thereto, and any other instruments necessary or desirable in connection therewith, with the Securities and Exchange Commission under the Securities Act of 1933, as amended, and/or the Investment Company Act of 1940, as amended, granting unto said attorney-in-fact and agent, full power and authority to do and perform each and every act and thing requisite and necessary to be done, as fully to all intents and purposes as he/she might or could do in person, hereby ratifying and confirming all that said attorney-in-fact and agent, or his/her substitute or substituted, may lawfully do or cause to be done by virtue hereof:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Registration
 Statements under Separate Account A of Pacific Life Insurance Company (811-08946): 033-88458,
 333-53040, 333-93059, 033-88460, 333-60833, 333-136597, 333-140881, 333-141135, 333-145822
 , 333-148865, 333-160772, 333-160999, 333-168026, 333-168284, 333-175279, 333-178739, 333-184973,
 333-185326, 333-185327, 333-185328, 333-212627, 333-236927, 333-240070, 333-250190,
 333-261003, 333-263416, 333-265390, 333-283568, and 333-283568.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Registration
 Statement under Pacific Select Variable Annuity Separate Account of Pacific Life Insurance
 Company (811-05980): 033-32704.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Registration
 Statement under Separate Account B of Pacific Life Insurance Company (811-07859): 333-14131.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Registration
 Statement under Pacific Corinthian Variable Separate Account of Pacific Life Insurance Company
 (811-07082): 333-39209.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Registration
 Statement under Pacific Life Insurance Company: 333-282283.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Registration
 Statements under the Pacific Select Exec Separate Account of Pacific Life Insurance Company
 (811-05563): 333-267433, 333-260417, 333-255746, 333-238780, 333-238781, 333-233112, 333-231308,
 333-231309, 333-231310, 333-231311, 033-21754, 033-57908, 333-118913, 333-14005, 333-106969,
 333-102902, 333-65458, 333-150092, 333-152224, 333-153027, 333-153022, 333-60461, 333-61135,
 333-01713, 333-20355, 333-172851, 333-202248, 333-209919, 333-275837, 333-287188, and 333-287190.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Registration
 Statements under the Pacific Select Separate Account of Pacific Life Insurance Company (811-05142):
 033-14032.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· New
 Registration Statements issued by Pacific Life Insurance Company, to be filed with the SEC.

This Power of Attorney is intended to supersede any and all prior Powers of Attorney in connection with the above mentioned acts, and remains in effect until revoked or revised.

---

| | | |
|:---|:---|:---|
|  | &nbsp;&nbsp;&nbsp;August 1, 2025 | /s/ Starla C. Yamauchi |
| Dated: | | |
| | | Starla C. Yamauchi |

---

POWER OF ATTORNEY

KNOW ALL PERSONS BY THESE PRESENTS, that the undersigned officer and/or director of Pacific Life Insurance Company ("Company") constitutes and appoints Jason Orlandi and Alison Ryan, each individually as his/her true and lawful attorney-in-fact and agent, each with full power of substitution and resubstitution for his/her name, place, and stead, in any and all capacities, to sign and file on behalf of the Company and/or any of its Separate Accounts, any and all Registration Statements, amendments, supplements and/or exhibits thereto, and any other instruments necessary or desirable in connection therewith, with the Securities and Exchange Commission under the Securities Act of 1933, as amended, and/or the Investment Company Act of 1940, as amended, granting unto said attorney-in-fact and agent, full power and authority to do and perform each and every act and thing requisite and necessary to be done, as fully to all intents and purposes as he/she might or could do in person, hereby ratifying and confirming all that said attorney-in-fact and agent, or his/her substitute or substituted, may lawfully do or cause to be done by virtue hereof:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Registration
 Statements under Separate Account A of Pacific Life Insurance Company (811-08946): 033-88458,
 333-53040, 333-93059, 033-88460, 333-60833, 333-136597, 333-140881, 333-141135, 333-145822
 , 333-148865, 333-160772, 333-160999, 333-168026, 333-168284, 333-175279, 333-178739, 333-184973,
 333-185326, 333-185327, 333-185328, 333-212627, 333-236927, 333-240070, 333-250190,
 333-261003, 333-263416, 333-265390, 333-283568, and 333-283568.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Registration
 Statement under Pacific Select Variable Annuity Separate Account of Pacific Life Insurance
 Company (811-05980): 033-32704.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Registration
 Statement under Separate Account B of Pacific Life Insurance Company (811-07859): 333-14131.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Registration
 Statement under Pacific Corinthian Variable Separate Account of Pacific Life Insurance Company
 (811-07082): 333-39209.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Registration
 Statement under Pacific Life Insurance Company: 333-282283.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Registration
 Statements under the Pacific Select Exec Separate Account of Pacific Life Insurance Company
 (811-05563): 333-267433, 333-260417, 333-255746, 333-238780, 333-238781, 333-233112, 333-231308,
 333-231309, 333-231310, 333-231311, 033-21754, 033-57908, 333-118913, 333-14005, 333-106969,
 333-102902, 333-65458, 333-150092, 333-152224, 333-153027, 333-153022, 333-60461, 333-61135,
 333-01713, 333-20355, 333-172851, 333-202248, 333-209919, 333-275837, 333-287188, and 333-287190.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Registration
 Statements under the Pacific Select Separate Account of Pacific Life Insurance Company (811-05142):
 033-14032.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· New
 Registration Statements issued by Pacific Life Insurance Company, to be filed with the SEC.

This Power of Attorney is intended to supersede any and all prior Powers of Attorney in connection with the above mentioned acts, and remains in effect until revoked or revised.

---

| | | |
|:---|:---|:---|
|  | &nbsp;&nbsp;&nbsp;August 1, 2025 | /s/ Carol J. Krosky |
| Dated: | | |
| | | Carol J. Krosky |

---

POWER OF ATTORNEY

KNOW ALL PERSONS BY THESE PRESENTS, that the undersigned officer and/or director of Pacific Life Insurance Company ("Company") constitutes and appoints Jason Orlandi and Alison Ryan, each individually as his/her true and lawful attorney-in-fact and agent, each with full power of substitution and resubstitution for his/her name, place, and stead, in any and all capacities, to sign and file on behalf of the Company and/or any of its Separate Accounts, any and all Registration Statements, amendments, supplements and/or exhibits thereto, and any other instruments necessary or desirable in connection therewith, with the Securities and Exchange Commission under the Securities Act of 1933, as amended, and/or the Investment Company Act of 1940, as amended, granting unto said attorney-in-fact and agent, full power and authority to do and perform each and every act and thing requisite and necessary to be done, as fully to all intents and purposes as he/she might or could do in person, hereby ratifying and confirming all that said attorney-in-fact and agent, or his/her substitute or substituted, may lawfully do or cause to be done by virtue hereof:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Registration
 Statements under Separate Account A of Pacific Life Insurance Company (811-08946): 033-88458,
 333-53040, 333-93059, 033-88460, 333-60833, 333-136597, 333-140881, 333-141135, 333-145822
 , 333-148865, 333-160772, 333-160999, 333-168026, 333-168284, 333-175279, 333-178739, 333-184973,
 333-185326, 333-185327, 333-185328, 333-212627, 333-236927, 333-240070, 333-250190,
 333-261003, 333-263416, 333-265390, 333-283568, and 333-283568.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Registration
 Statement under Pacific Select Variable Annuity Separate Account of Pacific Life Insurance
 Company (811-05980): 033-32704.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Registration
 Statement under Separate Account B of Pacific Life Insurance Company (811-07859): 333-14131.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Registration
 Statement under Pacific Corinthian Variable Separate Account of Pacific Life Insurance Company
 (811-07082): 333-39209.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Registration
 Statement under Pacific Life Insurance Company: 333-282283.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Registration
 Statements under the Pacific Select Exec Separate Account of Pacific Life Insurance Company
 (811-05563): 333-267433, 333-260417, 333-255746, 333-238780, 333-238781, 333-233112, 333-231308,
 333-231309, 333-231310, 333-231311, 033-21754, 033-57908, 333-118913, 333-14005, 333-106969,
 333-102902, 333-65458, 333-150092, 333-152224, 333-153027, 333-153022, 333-60461, 333-61135,
 333-01713, 333-20355, 333-172851, 333-202248, 333-209919, 333-275837, 333-287188, and 333-287190.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Registration
 Statements under the Pacific Select Separate Account of Pacific Life Insurance Company (811-05142):
 033-14032.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· New
 Registration Statements issued by Pacific Life Insurance Company, to be filed with the SEC.

This Power of Attorney is intended to supersede any and all prior Powers of Attorney in connection with the above mentioned acts, and remains in effect until revoked or revised.

---

| | | |
|:---|:---|:---|
|  | &nbsp;&nbsp;&nbsp;August 3, 2025 | /s/ Dawn M. Behnke |
| Dated: | | |
| | | Dawn M. Behnke |

---

POWER OF ATTORNEY

KNOW ALL PERSONS BY THESE PRESENTS, that the undersigned officer and/or director of Pacific Life Insurance Company ("Company") constitutes and appoints Jason Orlandi and Alison Ryan, each individually as his/her true and lawful attorney-in-fact and agent, each with full power of substitution and resubstitution for his/her name, place, and stead, in any and all capacities, to sign and file on behalf of the Company and/or any of its Separate Accounts, any and all Registration Statements, amendments, supplements and/or exhibits thereto, and any other instruments necessary or desirable in connection therewith, with the Securities and Exchange Commission under the Securities Act of 1933, as amended, and/or the Investment Company Act of 1940, as amended, granting unto said attorney-in-fact and agent, full power and authority to do and perform each and every act and thing requisite and necessary to be done, as fully to all intents and purposes as he/she might or could do in person, hereby ratifying and confirming all that said attorney-in-fact and agent, or his/her substitute or substituted, may lawfully do or cause to be done by virtue hereof:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Registration
 Statements under Separate Account A of Pacific Life Insurance Company (811-08946): 033-88458,
 333-53040, 333-93059, 033-88460, 333-60833, 333-136597, 333-140881, 333-141135, 333-145822
 , 333-148865, 333-160772, 333-160999, 333-168026, 333-168284, 333-175279, 333-178739, 333-184973,
 333-185326, 333-185327, 333-185328, 333-212627, 333-236927, 333-240070, 333-250190,
 333-261003, 333-263416, 333-265390, 333-283568, and 333-283568.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Registration
 Statement under Pacific Select Variable Annuity Separate Account of Pacific Life Insurance
 Company (811-05980): 033-32704.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Registration
 Statement under Separate Account B of Pacific Life Insurance Company (811-07859): 333-14131.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Registration
 Statement under Pacific Corinthian Variable Separate Account of Pacific Life Insurance Company
 (811-07082): 333-39209.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Registration
 Statement under Pacific Life Insurance Company: 333-282283.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Registration
 Statements under the Pacific Select Exec Separate Account of Pacific Life Insurance Company
 (811-05563): 333-267433, 333-260417, 333-255746, 333-238780, 333-238781, 333-233112, 333-231308,
 333-231309, 333-231310, 333-231311, 033-21754, 033-57908, 333-118913, 333-14005, 333-106969,
 333-102902, 333-65458, 333-150092, 333-152224, 333-153027, 333-153022, 333-60461, 333-61135,
 333-01713, 333-20355, 333-172851, 333-202248, 333-209919, 333-275837, 333-287188, and 333-287190.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Registration
 Statements under the Pacific Select Separate Account of Pacific Life Insurance Company (811-05142):
 033-14032.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· New
 Registration Statements issued by Pacific Life Insurance Company, to be filed with the SEC.

This Power of Attorney is intended to supersede any and all prior Powers of Attorney in connection with the above mentioned acts, and remains in effect until revoked or revised.

---

| | | |
|:---|:---|:---|
|  | &nbsp;&nbsp;&nbsp;August 1, 2025 | /s/ Craig W. Leslie |
| Dated: | | |
| | | Craig W. Leslie |

---

## Ex-99.(16)

**Exhibit 99.(16)**

**INITIAL SUMMARY PROSPECTUS FOR NEW INVESTORS**

**MAY 1, 2025, as amended November 1, 2025**

**PACIFIC CHOICE<sup>®</sup> 2**

Issued by Pacific Life Insurance Company through Separate Account A of Pacific Life Insurance Company

This summary prospectus summarizes key features of Pacific Choice 2, an individual flexible 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 <u>Prospectuses@PacificLife.com</u>.

You can find additional information about the underlying Funds at <u>https://www.PacificLife.com/Prospectuses</u> 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, depending on the state in which you purchased your Contract, 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.

**TABLE OF CONTENTS**

---

| | |
|:---|:---|
| **SPECIAL TERMS** | **2** |
| **OVERVIEW OF THE CONTRACT** | **3** |
| **KEY INFORMATION** | **5** |
| **BENEFITS AVAILABLE UNDER THE CONTRACT** | **9** |
| **BUYING THE CONTRACT** | **17** |
| **MAKING WITHDRAWALS: ACCESSING THE MONEY IN YOUR CONTRACT** | **17** |
| **ADDITIONAL INFORMATION ABOUT FEES** | **18** |
| **APPENDIX: INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT** | **20** |
| **FIXED OPTIONS (OFFERED UNDER DCA PLUS) AVAILABLE UNDER THE CONTRACT** | **33** |
| **LIVING BENEFIT INVESTMENT ALLOCATION REQUIREMENTS** | **33** |

---

**SPECIAL TERMS**

**Account Value** – The amount of your Contract Value allocated to a specified Variable Investment Option or any fixed option.

**Annual Fee** – A $50.00 fee charged each year on your Contract Anniversary and at the time of a full withdrawal (on a pro rated basis for that Contract year), if your Net Contract Value is less than $50,000 on that date.

**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 dated in your Contract and is the latest date we will begin paying you an annuity income.

**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.

**Contract** – A Pacific Choice 2 contract.

**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 Debt** – As of the end of any given Business Day, the principal amount you have outstanding on any loan under your Contract, plus any accrued and unpaid interest. Loans are only available on certain Qualified Contracts.

**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.

**Contract Value** – As of the end of any Business Day, the sum of your Variable Account Value, any fixed option value, the value of any other Investment Option added to the Contract by Rider or Endorsement, and any Loan Account Value.

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

**DCA Plus Fixed Option ("DCA Plus")** – If you allocate all or part of your Purchase Payments to the DCA Plus Fixed Option, such amounts are held in our General Account and receive interest at rates declared periodically (the "Guaranteed Interest Rate"), but not less than the minimum guaranteed interest rate specified in your Contract. Currently, this fixed option may be used for dollar cost averaging of up to 24 months, depending on what Guarantee Terms we offer. Please contact us for the Guarantee Terms currently available.

**Fund** – An underlying fund that you may invest in through the Separate Account provided by a registered open-end management investment company; may also be referred to as a Variable Investment Option.

**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, 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 Variable Investment Option, any fixed option, or any other Investment Option added to the Contract by Rider or Endorsement.

**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.

**Loan Account** – The account in which the Contract Value equal to the principal amount of a loan and any interest accrued is held to secure any Contract Debt.

**Loan Account Value** – The amount of Contract Value, including any interest accrued, held in the Loan Account to secure any Contract Debt.

**Net Contract Value** – Your Contract Value less Contract Debt.

**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 as an individual retirement annuity or account (IRA), or form thereof, or a Contract purchased by a qualified plan, 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 aggregate amount of your Contract Value allocated to all Subaccounts.

**Variable Investment Option** – A Fund 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. **You can lose money by investing money in the Contract, it is possible to lose 100% of your principal and previous earnings.** Discuss with your financial professional whether a variable annuity, a living benefit rider, and/or a death benefit rider and which underlying Investment Options are 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, you can put money into your Contract and earnings accumulate on a tax-deferred basis. When you put money into your Contract, you can invest in Funds that have their own investment objectives, strategies, risks, and expenses and/or you can put your money in the DCA Plus Fixed Option that offers a guaranteed minimum interest rate and is used to dollar cost average to the Funds you selected..

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. You can choose fixed or variable payments, or a combination of both. For variable payments, the payment amount will vary based on the performance of the Funds you choose. **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.

**Loans**. Certain Owners of Qualified Contracts may borrow against their Contracts. Otherwise loans from us are not permitted. You may have only one loan outstanding at any time. The minimum loan amount is $1,000, subject to certain state limitations. Interest will be charged on your Contract Debt at a 5% fixed annual rate, and the amount of Contract Value held in the Loan Account to secure your loan will earn interest at a 3% fixed annual rate. Therefore, the net amount of annualized interest you will pay on your loan will be 2%. Taking a loan may have tax consequences. See the **ADDITIONAL INFORMATION—Loans** and **Qualified Contract - General Rules** sections for more information.

**Tax Treatment**. You may transfer among the Funds without paying any current income tax and any 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**. The Contract provides a death benefit payout, at no additional cost, to your Beneficiaries during the accumulation phase. The Death Benefit Amount for the standard death benefit is the Contract Value. For an additional cost, an optional death benefit rider may be purchased which can increase the amount of money payable to your Beneficiaries. The riders that are currently available are:

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Stepped-Up Death Benefit (Stepped-Up Death Benefit II for California)** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Earnings Enhancement Death Benefit (Earnings Enhancement Death Benefit II for California)** 

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

**Living Benefits**. We offer optional guaranteed minimum withdrawal benefit and guaranteed minimum accumulation benefit riders, for an additional cost. The guaranteed minimum withdrawal benefit riders focus 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 guaranteed minimum accumulation benefit riders focus on providing principal protection, if certain conditions are met. The riders that are currently available are:

&nbsp;&nbsp;&nbsp;&nbsp;· **CoreIncome Advantage Select (Single and Joint)** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Investment Guard – 5-Year (10% Buffer), 7-Year (10% or 15% Buffer), and 10-Year (10%, 15%, or 20% Buffer) Options** 

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

**Additional Services**. You can have only one DCA Plus, dollar cost averaging, or earnings sweep program in effect at one time. See the Benefits Available Under the Rider and Systematic Transfer Options sections for more information and restrictions.

&nbsp;&nbsp;&nbsp;&nbsp;· **Dollar Cost Averaging**. Allows you to transfer between Variable Investment Options in a series
 of regular purchases instead of in a single purchase.

&nbsp;&nbsp;&nbsp;&nbsp;· **DCA Plus**. Allows transfers from the DCA Plus Fixed Option, which earns a minimum guaranteed
 interest, to one or more Variable Investment Options.

&nbsp;&nbsp;&nbsp;&nbsp;· **Portfolio Rebalancing**. Allows you to automatically rebalance your values among Variable Investment
 Options based on percentages that you specify, can be rebalanced on a quarterly, semi-annual,
 or annual basis.

&nbsp;&nbsp;&nbsp;&nbsp;· **Earnings Sweep**. Allows you to make automatic periodic transfers of your earnings from the Fidelity
 VIP Government Money Market Fund to one or more other Funds.

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, as well as limit the overall availability of the Contract, based on issue age or other general investor suitability criteria established by the selling broker-dealer. For example, a firm may choose not to recommend certain optional benefits or Investment Options that are described in this Prospectus. Only those Investment Options and optional benefits available through your firm will be available under your Contract. Before you purchase the Contract, you should ask your financial professional for details about the specific Investment Options, features and optional benefits available through their firm. If a particular feature that interests you is not recommended through your broker-dealer, you may want to contact another broker-dealer or us to explore its availability.

**KEY INFORMATION**

*<u>Important information you should consider about the Pacific Choice 2 individual flexible premium deferred variable annuity contract.</u>*

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**FEES, EXPENSES, AND ADJUSTMENTS** | &nbsp;&nbsp;**FEES, EXPENSES, AND ADJUSTMENTS** | &nbsp;&nbsp;**LOCATION IN <br> PROSPECTUS** |
| &nbsp;&nbsp;**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 7% 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 $7,000 on a $100,000 withdrawal. | &nbsp;&nbsp;**Fee Tables**<br>**Charges, Fees and Adjustments - Withdrawal Charge** |
| &nbsp;&nbsp;**Are There Transaction Charges?** | &nbsp;&nbsp;**Yes**. Taking a loan, where allowable, will result in loan interest charges.<br>Other than withdrawal charges, there are no other transaction charges under this Contract (for example, sales loads, charges for transferring Contract Value between Investment Options, or wire transfer fees).<br>| &nbsp;&nbsp;**Optional Benefit Expenses**<br>|
| &nbsp;&nbsp;**Are There Ongoing Fees and Expenses?** | &nbsp;&nbsp;**Yes.** The table below describes the fees and expenses that you may pay *each year*, depending on the options you choose. 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. | &nbsp;&nbsp;**Charges Fees and Adjustments<br>Appendix: Investment Options** |

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|:---|:---|
| &nbsp;&nbsp;**ANNUAL FEES** | &nbsp;&nbsp;**Available Under the Contract <br>Charges, Fees <br> and<br> Adjustments – Living Benefit Rider Charges<br>Charges, Fees and** |
| &nbsp;&nbsp;1. Base Contract &nbsp;&nbsp;1.00%<sup>1,2</sup> &nbsp;&nbsp;1.10%<sup>1</sup> | &nbsp;&nbsp;**Available Under the Contract <br>Charges, Fees <br> and<br> Adjustments – Living Benefit Rider Charges<br>Charges, Fees and** |
| &nbsp;&nbsp;2. Portfolio Company fees and expenses &nbsp;&nbsp;0.28%<sup>3</sup> &nbsp;&nbsp;2.54%<sup>3</sup> | &nbsp;&nbsp;**Available Under the Contract <br>Charges, Fees <br> and<br> Adjustments – Living Benefit Rider Charges<br>Charges, Fees and** |
| 3. Optional Benefits (for a single optional benefit, if elected) See Rate Sheet Prospectus Supplement<sup>4</sup> See Rate Sheet Prospectus Supplement <sup>4</sup> | &nbsp;&nbsp;**Available Under the Contract <br>Charges, Fees <br> and<br> Adjustments – Living Benefit Rider Charges<br>Charges, Fees and** |

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|:---|:---|:---|
| **FEES, EXPENSES, AND ADJUSTMENTS** | **FEES, EXPENSES, AND ADJUSTMENTS** | **LOCATION IN<br> PROSPECTUS** |
| &nbsp;&nbsp;**Because your Contract is customizable, the choices you make affect how much you will pay. 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.** | &nbsp;&nbsp;**Because your Contract is customizable, the choices you make affect how much you will pay. 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.** | &nbsp;&nbsp;**Adjustments – Mortality and Expense Risk Charge and Optional Death Benefit Rider Charge** |
| &nbsp;&nbsp;**Lowest Annual Cost: See Rate Sheet Prospectus Supplement** | &nbsp;&nbsp;**Highest Annual Cost: See Rate Sheet Prospectus Supplement** |  |
| &nbsp;&nbsp;&nbsp; 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;· No optional benefits<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<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· No loans or loan interest charges  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 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, optional 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<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· No loans or loan interest charges <br>|  |

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| 1 | As a percentage of the average daily Variable Account Value. This percentage includes the Mortality and Expense Risk Charge and the Administrative Fee. |
| 2 | The Mortality and Expense Risk Charge for contracts under $500,000 is 0.85%. The Mortality and Expense Risk Charge is reduced by 0.05% for the upcoming Contract quarter if the Contract Value is between $500,000 and $999,999. The Mortality and Expense Risk Charge is reduced by 0.10% for the upcoming Contract quarter if the Contract Value is equal to or greater than $1,000,000. The Contract Value is calculated on the later of the Issue Date or most recent Contract Quarterly Anniversary. |
| 3 | As a percentage of Fund assets. |
| 4 | As a percentage of the Protected Payment Base or Protected Base (depending on the living benefit selected) and average daily Variable Account Value or Contract Value (depending on the optional death benefit selected). |

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|:---|:---|:---|
| **RISKS** | **RISKS** | **LOCATION IN<br> PROSPECTUS** |
| &nbsp;&nbsp;**Is There a Risk of Loss from Poor Performance?** | &nbsp;&nbsp;**Yes.** You can lose money by investing in the Contract, including 100% loss of principal and previous earnings. | &nbsp;&nbsp;**Principal Risks of Investing in the Contract** |
| &nbsp;&nbsp;**Is this a Short-Term Investment?** | &nbsp;&nbsp;**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. | &nbsp;&nbsp;**Principal Risks of Investing in the Contract**<br>**Charges, Fees and Deductions - Withdrawal Charge** |
| &nbsp;&nbsp;**What Are the Risks Associated with the Investment Options?** | &nbsp;&nbsp;An investment in this Contract is subject to the risk of poor investment performance and can vary depending on the performance of the Investment Options available under the Contract (e.g. Funds and fixed options).<br>Each Investment Option (including any fixed option) will have its own unique risks. Any fixed option is not registered with the SEC.<br>You should review, working with your financial professional, the Investment Options  | &nbsp;&nbsp;**Principal Risks of Investing in the Contract**<br>**Appendix:**  |

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|:---|:---|:---|
| **RISKS** | **RISKS** | **LOCATION IN<br> PROSPECTUS** |
|  | &nbsp;&nbsp;before making an investment decision. | &nbsp;&nbsp;**Investment Options Available Under the Contract** |
| &nbsp;&nbsp;**What Are the Risks Related to the Insurance Company?** | &nbsp;&nbsp;Investment in the Contract is subject to the risks related to us, and any obligations (including any fixed option), 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. | &nbsp;&nbsp;**Principal Risks of Investing in the Contract**<br>**Pacific Life and the Separate Account** |

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| **RESTRICTIONS** | **RESTRICTIONS** | **LOCATION IN<br> PROSPECTUS** |
| **Are There Limits on the Investment Options?**<br>| **Yes.** Not all Variable Investment Options may be available to you.<br>Transfers between Variable Investment Options are limited to 25 each calendar year. Transfers to or from a Variable Investment Option can only be made beginning on the eighth calendar day following the last transfer to or from the same Variable Investment Option. Transfers may not be made from a Variable Investment Option to any fixed option. Additional Fund transfer restrictions apply, such as transfer restrictions imposed by the Funds.<br>Certain Funds may stop accepting additional investments into the Fund or a Fund may liquidate. In addition, if a Fund determines that excessive trading has occurred, they may limit your ability to continue to invest in their Fund for a certain period of time.<br>We reserve the right to remove, close to new investment, or substitute Funds as Investment Options. | **Transfers and Market-Timing Restrictions**<br>**Additional Information-Changes to All Contracts**<br>**Appendix: Investment Options Available Under the Contract**  |
| **Are There Any Restrictions on Contract Benefits?**<br>| **Yes.** Certain optional living benefits limit or restrict the Investment Options that you may select under the Contract. We may change these limits or restrictions in the future.<br>Withdrawals that exceed withdrawal limits specified by an optional living benefit may affect the availability of the benefit, by reducing the benefit by an amount greater than the value withdrawn, and/or could terminate the benefit.<br>We may stop offering an optional living benefit or optional death benefit at any time, including for current Contract Owners who have not yet purchased the rider.<br>We reserve the right to reject or restrict, at our discretion, any additional Purchase Payments for a rider and, as a result, we will not accept Purchase Payments for your Contract. If we exercise that right, you will not be able to increase protected amounts or your Contract Value through additional Purchase Payments.<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. Please also see **ADDITIONAL INFORMATION – State Considerations** for information about variations to your contract, including optional death and/or living benefits available in your state.<br>| **Death Benefits and Optional Death Benefit Riders**<br>**Death Benefit Riders**<br>**Living Benefit Riders**<br>**Appendix: Investment Options Available Under the Contract**<br>|

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| &nbsp;&nbsp;**TAXES** | &nbsp;&nbsp;**TAXES** | &nbsp;&nbsp;**LOCATION IN<br> PROSPECTUS** |
| &nbsp;&nbsp;**What Are the Contract's Tax** | &nbsp;&nbsp;You should consult with a tax professional to determine the tax implications of an investment in and payments received under the Contract.<br>| &nbsp;&nbsp;**Federal Tax Issues**<br>|

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|:---|:---|:---|
| &nbsp;&nbsp;**TAXES** | &nbsp;&nbsp;**TAXES** | &nbsp;&nbsp;**LOCATION IN<br> PROSPECTUS** |
| &nbsp;&nbsp;**Implications?** | &nbsp;&nbsp;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. Tax consequences for loans and withdrawals generally differ. | &nbsp;&nbsp;**Principal Risks of Investing in the Contract – Tax Consequences**<br>|

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| &nbsp;&nbsp;**CONFLICTS OF INTEREST** | &nbsp;&nbsp;**CONFLICTS OF INTEREST** | &nbsp;&nbsp;**LOCATION IN<br> PROSPECTUS** |
| &nbsp;&nbsp;**How Are Investment Professionals Compensated?** | &nbsp;&nbsp;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. | &nbsp;&nbsp;**Distribution Arrangements** |
| &nbsp;&nbsp;**Should I Exchange My Contract?** | &nbsp;&nbsp;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.<br>| &nbsp;&nbsp;**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<br> Annual Fee** | **Brief Description of <br> Restrictions/Limitations** |
| Dollar Cost Averaging | Allows dollar cost averaging transfers from one Variable Investment Option to one or more Variable Investment Options. Dollar cost averaging may allow you to average the purchase prices of Variable Investment Options over time, and may permit a "smoothing" of abrupt peaks and drops in price.<br>| No Charge | &nbsp;&nbsp;· Amounts can only be transferred to one or more Variable Investment Options.<br> · Can only have one dollar cost averaging program in effect and cannot have a DCA Plus program in effect at the same time.<br> · Only available prior to the Annuity Date.<br>|
| DCA Plus | Allows dollar cost averaging transfers from the DCA Plus Fixed Option to one or more Variable Investment Options. Amounts held in the DCA Plus Fixed Option will earn a guaranteed minimum interest rate. | No Charge | &nbsp;&nbsp;· Can only have one dollar cost averaging program in effect at one time.<br> · Only available prior to the Annuity Date.<br> · Program transfers do not count against limits on permitted transfers<br>|
| Portfolio Rebalancing | Allows you to automatically rebalance your values among Variable Investment Options based on percentages that you specify. | No Charge | · Rebalancing can be made quarterly, semi-annually, or annually.<br> · Only available prior to the Annuity Date.<br> · Program transfers do not count against limits on permitted transfers.<br> · We may discontinue, modify, or suspend this service at any time. |
| Earnings Sweep | Allows you to automatically transfer your earnings from the Fidelity VIP Government Money Market to one or more Variable Investment Options. | No Charge | &nbsp;&nbsp;· Transfers can occur monthly, quarterly, semi-annually, or annually.<br> · Can only have one earnings sweep program in effect at one time.<br> · If withdrawals occur during a period, we will assume that the withdrawal was taken from earnings and will reduce the amount transferred during the period.<br> · Program transfers do not count against limits on permitted transfers.<br> · We may discontinue, modify, or suspend this service at any time.<br>|
| Death Benefit Amount | Provides a death benefit equal to the Net Contract Value. | No Charge | · Poor investment performance will reduce the death benefit amount.<br> · Withdrawals will reduce the death benefit amount.<br> · This benefit terminates upon annuitization.<br>|

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| 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. |

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| **Standard Benefits (Additional Charge)** | **Standard Benefits (Additional Charge)** | **Standard Benefits (Additional Charge)** | **Standard Benefits (Additional Charge)** |
| **Name of Benefit** | **Purpose** | **Maximum <br> Annual Fee** | **Brief Description of<br> Restrictions/Limitations** |
| Loans | Allows certain Owners of Qualified Contracts to borrow against their Contracts. Otherwise, loans from us are not permitted. | 5% Fixed Annual Rate (The interest charged on your Contract Debt will be a 5% fixed annual rate and the amount held in the Loan Account to secure your loan will earn a 3% annual return. The net amount of interest you will pay on your loan will be 2% annually) | &nbsp;&nbsp;· Not available to all Contract Owners.<br> · Contract Value held in Loan Account to secure Contract Debt earns interest at a 3% annual rate. The net annual interest rate charged on Contract Debt is 2%.<br> · You may have only one loan outstanding at any time.<br> · The minimum loan amount is $1,000, subject to certain state limitations.<br> · The maximum loan amount may not exceed the lesser of 50% of the amount available for withdrawal under this Contract or $50,000 less your highest outstanding Contract Debt during the 12-month period immediately preceding the effective date of your loan.<br> · Taking a loan while an optional living benefit Rider is in effect will terminate your Rider.<br>|

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| **Optional Living Benefits (Additional Charges Apply)** | **Optional Living Benefits (Additional Charges Apply)** | **Optional Living Benefits (Additional Charges Apply)** | **Optional Living Benefits (Additional Charges Apply)** |
| **Name of Benefit** | **Purpose** | **Maximum <br> Annual Fee** | **Brief Description of <br> Restrictions/Limitations** |
| CoreIncome Advantage Select (Single) | This benefit focuses on providing guaranteed lifetime periodic withdrawals, regardless of market performance, on a single life (the Designated Life). Provides for automatic resets which may increase the amount that can be withdrawn in the future. | 2.00% (as a percentage of Protected Payment Base) | &nbsp;&nbsp;· Available at Contract purchase or on any Contract Anniversary, subject to availability.<br> · The Owner/Annuitant must be the Designated Life and be 85 or younger at purchase (for Non-Natural Owners, the youngest must be the Designated Life).<br> · You may only have one guaranteed minimum withdrawal benefit in effect at the same time.<br> · Must follow investment allocation requirements which limit the number of allowable Investment Options.<br> · Lifetime withdrawals are available starting at age 65 for the Designated Life.<br> · Taking a withdrawal before age 65 or withdrawal amounts that are greater than what is allowed on an annual basis after age 65 may reduce the benefit by more than the amount withdrawn and may terminate the rider.<br> · Any unused allowable annual withdrawal amount cannot be carried over to later years.<br> · May not voluntarily terminate the rider.<br> · We reserve the right to reject and restrict additional Purchase Payments.<br> · Benefit and benefit charges terminate upon annuitization.<br>|
| CoreIncome Advantage Select (Joint) | This benefit focuses on providing guaranteed lifetime periodic withdrawals, regardless of market performance, on joint lives (the Designated Lives). Provides for automatic resets which may increase the amount that can be withdrawn in the future. | 2.50% (as a percentage of Protected Payment Base) | · Available at Contract purchase or on any Contract Anniversary, subject to availability.<br> · Owners/Annuitants must be the Designated Lives, and both Designated Lives must be 85 or younger at purchase.<br> · You may only have one guaranteed minimum withdrawal benefit in effect at the same time.<br> · Must follow investment allocation requirements which limit the number of allowable Investment Options.<br> · Lifetime withdrawals are available when the youngest Designated Life is age 65.<br> · Taking a withdrawal before the youngest Designated Life is age 65 or a withdrawal amounts that are  |

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|:---|:---|:---|:---|
| **Optional Living Benefits (Additional Charges Apply)** | **Optional Living Benefits (Additional Charges Apply)** | **Optional Living Benefits (Additional Charges Apply)** | **Optional Living Benefits (Additional Charges Apply)** |
| **Name of Benefit** | **Purpose** | **Maximum <br> Annual Fee** | **Brief Description of <br> Restrictions/Limitations** |
|  |  |  | &nbsp;&nbsp;&nbsp;&nbsp;greater than what is allowed on an annual basis after age 65 may reduce the benefit by more than the amount withdrawn and may terminate the rider.<br> · May not voluntarily terminate the rider.<br> · We reserve the right to reject and restrict additional Purchase Payments.<br> · Benefit and benefit charges terminate upon annuitization.<br>|
| Investment Guard (5-Year Option) – 10% Buffer | This benefit may add an additional amount to the Contract Value if the Contract Value is less than the Protected Base at the end of a 5-year term. | 3.50% (as a percentage of the Protected Base)<br>| · Available only at Contract purchase and renewable at the end of the term, subject to availability.<br> · Must follow investment allocation requirements which limit the number of allowable Investment Options.<br> · Cannot change Buffer Percentage during the Term of the rider.<br> · Maximum age of the Owner and Annuitant on the date of purchase is lesser of 85 years or 5 years from the maximum annuitization age at time of purchase.<br> · The rider's effective date is at least 5 years before your selected Annuity Date.<br> · Any additional Purchase Payments made after the first year of a Term will increase the Contract Value and may reduce or eliminate the benefit provided by this Rider. Given the limitations on crediting of subsequent purchase payments for rider purposes and investment allocation restrictions, the likelihood that an additional amount will be added to the Contract Value may be minimal.<br> · Withdrawals (including RMD withdrawals) made during the Term will lower the Protected Base.<br> · Additional amount is only paid if the Contract Value is less than the Protected Base at the end of the Term.<br> · May not voluntarily terminate the rider.<br> · We reserve the right to reject and restrict additional Purchase Payments.<br> · Benefit and benefit charges terminate upon annuitization. |
| Investment Guard (7-Year | This benefit may add an additional | 3.50% (as a | · Available only at Contract purchase |

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|:---|:---|:---|:---|
| **Optional Living Benefits (Additional Charges Apply)** | **Optional Living Benefits (Additional Charges Apply)** | **Optional Living Benefits (Additional Charges Apply)** | **Optional Living Benefits (Additional Charges Apply)** |
| **Name of Benefit** | **Purpose** | **Maximum <br> Annual Fee** | **Brief Description of <br> Restrictions/Limitations** |
| Option) – 10% Buffer or 15% Buffer | amount to the Contract Value if the Contract Value is less than the Protected Base at the end of a 7-year term. | percentage of the Protected Base)<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;and renewable at the end of the term, subject to availability.<br> · Must follow investment allocation requirements which limit the number of allowable Investment Options.<br> · Cannot change Buffer Percentage during the Term of the rider.<br> · Maximum age of the Owner and Annuitant on the date of purchase is lesser of 85 years or 7 years from the maximum annuitization age at time of purchase.<br> · The rider's effective date must be at least 7 years before your selected Annuity Date.<br> · Any additional Purchase Payments made after the first year of a Term will increase the Contract Value and may reduce or eliminate the benefit provided by this Rider. Given the limitations on crediting of subsequent purchase payments for rider purposes and investment allocation restrictions, the likelihood that an additional amount will be added to the Contract Value may be minimal.<br> · Withdrawals (including RMD withdrawals) made during the Term will lower the Protected Base.<br> · Additional amount is only paid if the Contract Value is less than the Protected Base at the end of the Term.<br> · May not voluntarily terminate the rider.<br> · We reserve the right to reject and restrict additional Purchase Payments.<br> · Benefit and benefit charges terminate upon annuitization. |
| Investment Guard (10-Year Option) – 10% Buffer, 15% Buffer, or 20% Buffer<br>| This benefit may add an additional amount to the Contract Value if the Contract Value is less than the Protected Base at the end of a 10-year term. | 3.50% (as a percentage of the Protected Base)<br>| · Available only at Contract purchase and renewable at the end of the term, subject to availability.<br> · Must follow investment allocation requirements which limit the number of allowable Investment Options.<br> · Cannot change Buffer Percentage during the Term of the rider.<br> · Maximum age of the Owner and Annuitant on the date of purchase is lesser of 85 years or 10 years from the maximum annuitization age at time of purchase.<br> · The rider's effective date must be at least 10 years before your selected |

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| | | | |
|:---|:---|:---|:---|
| **Optional Living Benefits (Additional Charges Apply)** | **Optional Living Benefits (Additional Charges Apply)** | **Optional Living Benefits (Additional Charges Apply)** | **Optional Living Benefits (Additional Charges Apply)** |
| **Name of Benefit** | **Purpose** | **Maximum <br> Annual Fee** | **Brief Description of <br> Restrictions/Limitations** |
| | |  | &nbsp;&nbsp;&nbsp;Annuity Date.<br> · Any additional Purchase Payments made after the first year of a Term will increase the Contract Value and may reduce or eliminate the benefit provided by this Rider. Given the limitations on crediting of subsequent purchase payments for rider purposes and investment allocation restrictions, the likelihood that an additional amount will be added to the Contract Value may be minimal.<br> · Withdrawals (including RMD withdrawals) made during the Term will lower the Protected Base.<br> · Additional amount is only paid if the Contract Value is less than the Protected Base at the end of the Term.<br> · May not voluntarily terminate the rider.<br> · We reserve the right to reject and restrict additional Purchase Payments.<br> · Benefit and benefit charges terminate upon annuitization. |

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| | | | |
|:---|:---|:---|:---|
| **Optional Death Benefits (Additional Charges Apply)** | **Optional Death Benefits (Additional Charges Apply)** | **Optional Death Benefits (Additional Charges Apply)** | **Optional Death Benefits (Additional Charges Apply)** |
| **Name of Benefit** | **Purpose** | **Maximum<br> Annual Fee** | **Brief Description of <br> Restriction/Limitations** |
| Earning Enhancement Death Benefit | This benefit may enhance the death benefit, by adding an additional amount—equal to a percent of any Earnings as of the date of death—to the death benefit proceeds. | 0.25% (as a percentage of Contract Value) | · Not available for Contracts issue in California.<br> · Available at Contract purchase and within 60 days of Contract Issue.<br> · Owner and Annuitant must be 75 years on the date of purchase.<br> · Withdrawals are first taken from Earnings in the Contract.<br> · The enhanced amount percentage applied is based on the age of the oldest Owner on the Rider Effective Date or effective date of certain Owner changes.<br> · There is no additional amount added if there are no Earnings on the Contract as of the date of death.<br> · An ownership change to an Owner who is older than 75 will terminate the rider.<br> · May not voluntarily terminate the rider.<br> · Benefit and benefit charges terminate upon annuitization or  |

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| | | | |
|:---|:---|:---|:---|
| **Optional Death Benefits (Additional Charges Apply)** | **Optional Death Benefits (Additional Charges Apply)** | **Optional Death Benefits (Additional Charges Apply)** | **Optional Death Benefits (Additional Charges Apply)** |
| **Name of Benefit** | **Purpose** | **Maximum<br> Annual Fee** | **Brief Description of <br> Restriction/Limitations** |
|  |  |  | &nbsp;&nbsp;&nbsp;when the Contract Value is reduced to zero. |
| Earning Enhancement Death Benefit (for California) | This benefit may enhance the death benefit, by adding an additional amount—equal to a percent of any Earnings as of the date of death—to the death benefit proceeds. | 0.25% (as a percentage of Contract Value) | · Only available for Contracts issued in California.<br> · Available at Contract purchase and within 60 days of Contract Issue.<br> · Owner and Annuitant must be 75 years or younger on the date of purchase.<br> · Withdrawals are first taken from Earnings in the Contract.<br> · The enhanced amount percentage applied is based on the age of the oldest Annuitant on the Rider Effective Date.<br> · There is no additional amount added if there are no earnings on the Contract as of the date of death.<br> · May not voluntarily terminate the rider.<br> · Benefit and benefit charges terminate upon annuitization or when the Contract Value is reduced to zero. |
| 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. | 0.10% (as a percentage of average daily Variable Account Value) | · Not available for Contracts issued in California.<br> · Available only at contract purchase.<br> · Must be 85 or younger on the Contract Date.<br> · Certain ownership changes may reduce benefits.<br> · Withdrawals will proportionately reduce the benefit and the reduction made may be greater than the actual amount withdrawn.<br> · May not voluntarily terminate the rider.<br> · Benefit and benefit charges terminate upon annuitization or when the Contract Value is reduced to zero. |
| 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. | 0.10% (as a percentage of average daily Variable Account Value)<br>| · Only available for Contracts issued in California.<br> · Available only at contract purchase.<br> · Must be 85 or younger on the Contract Date.<br> · Withdrawals will reduce this benefit and the reduction made may be greater than the actual amount withdrawn.<br> · May not voluntarily terminate the rider.<br> · Benefit and benefit charges terminate upon annuitization or when the Contract Value is reduced  |

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| | | | |
|:---|:---|:---|:---|
| **Optional Death Benefits (Additional Charges Apply)** | **Optional Death Benefits (Additional Charges Apply)** | **Optional Death Benefits (Additional Charges Apply)** | **Optional Death Benefits (Additional Charges Apply)** |
| **Name of Benefit** | **Purpose** | **Maximum<br> Annual Fee** | **Brief Description of <br> Restriction/Limitations** |
|  |  |  | &nbsp;&nbsp;&nbsp;to zero. |
| Stepped-Up Death Benefit | This benefit provides a death benefit equal to the greater of the death benefit amount under the Contract or the death benefit amount under this option, adjusted for withdrawals. Provides for step-ups to increase the death benefit amount under this benefit. | 0.40% (as a percentage of average daily Variable Account Value) | · Not available for Contracts issued in California.<br> · Available only at contract purchase.<br> · Must be 75 or younger on Contract Date.<br> · Certain ownership changes may reduce benefits<br> · Withdrawals will reduce this benefit and the reduction made may be greater than the actual amount withdrawn.<br> · Step-ups stop once on the Contract Anniversary prior to the oldest owner or annuitant reaches age 81.<br> · May not voluntarily terminate the rider.<br> · Benefit and benefit charges terminate upon annuitization or when the Contract Value is reduced to zero.  |
| Stepped-Up Death Benefit II | This benefit provides a death benefit equal to the greater of the death benefit amount under the Contract or the death benefit amount under this option, adjusted for withdrawals. Provides for step-ups to increase the death benefit amount under this benefit | 0.40% (as a percentage of average daily Variable Account Value) | · Only available for Contracts issued in California<br> · Available only at contract purchase.<br> · Owner and Annuitant must be 75 or younger on the purchase date.<br> · Step-ups stop on the Contract Anniversary prior to the oldest Annuitant reaching age 81.<br> · Withdrawals will reduce this benefit and the reduction made may be greater than the actual amount withdrawn.<br> · May not voluntarily terminate the rider.<br> · Benefit and benefit charges terminate upon annuitization or when the Contract Value is reduced to zero. |

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**BUYING THE CONTRACT**

To purchase a Contract, you must 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 <br> Payment | $10000 | $2,000\* |
| Minimum Additional <br> Purchase Payment | $250\* | $50\* |
| Maximum Total Purchase Payments | You must obtain our consent before making an initial or additional Purchase Payment that will bring your aggregate Purchase payments over $1,000,000. The aggregate amount is based on all contracts where you are either the owner and/or annuitant. | You must obtain our consent before making an initial or additional Purchase Payment that will bring your aggregate Purchase payments over $1,000,000. The aggregate amount is based on all contracts where you are either the owner and/or annuitant. |

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\* Currently, we are not enforcing these minimum amounts, but we may in the future.

**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.

**Additional Purchase Payment.** An additional Purchase Payment is allocated on the Business Day we receive it.

**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. You may surrender your Contract and make a full withdrawal at any time. 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. You may choose to make your withdrawal from specified Investment Options. If you do not specify Investment Options, your withdrawal will be made from all of your Investment Options proportionately.

The amount available for withdrawal is your Net Contract Value (Contract Value less Contract Debt) at the end of the Business Day on which your withdrawal request is effective, less any applicable Annual Fee, optional 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.

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. If your partial withdrawal from an Investment Option would leave a remaining Account Value in that Investment Option of less than $500, we also reserve the right, at our option and with prior written notice, to transfer that remaining amount to your other Investment Options on a proportionate basis relative to your most recent allocation instructions.

**Amount Available for Withdrawal**

The amount available for withdrawal is your Net Contract Value at the end of the Business Day on which your withdrawal request is effective, less any applicable Annual Fee, 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.

Subject to the amount available for withdrawal provisions described above and in the prospectus, there are various situations in which a withdrawal does not incur a withdrawal charge. See *Withdrawals Free of a Withdrawal Charge* and **CHARGES, FEES AND ADJUSTMENTS—Withdrawal Charge** in the prospectus for more information.

**Negative Impact on Benefit Values**

If you own guaranteed minimum withdrawal benefit riders, taking a withdrawal before the youngest Designated Life reaches the age for lifetime withdrawals specified by the rider 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. If you own 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><sub>7</sub> | % |

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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.

Maximum Withdrawal Charge (as a percentage of Purchase Payments withdrawn)

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **"Age" of Payment in Years:** | 1 | 2 | 3 | 4 | 5 | 6 or more |
| **Withdrawal Charge Percentage:** | 7% | 7% | 6% | 5% | 3% | 0% |

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The age is measured from the date of each Purchase Payment. The withdrawal charge may not apply or may be reduced under certain circumstances. For situations where a withdrawal charge may not apply, see **WITHDRAWALS** – *Withdrawals Free of a Withdrawal Charge* and see **CHARGES, FEES AND ADJUSTMENTS** for situations where the withdrawal charge amount may be reduced.

**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). If you choose to purchase an optional benefit, you will pay additional charges, as shown below.**

**Annual Contract Expenses**

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| | |
|:---|:---|
| Annual Fee<sup>2</sup> | $50.00 |

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| | |
|:---|:---|
| **Base Contract Expenses** (as a percentage of average daily Variable Account Value or Contract Value)<sup>3</sup> | 1.10% |
| **Optional Benefit Expenses** |  |
| *Optional Death Benefit Maximum Charge* (as a percentage of Contract Value) |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Earnings Enhancement Death Benefit (EEDB) (including California version) | 0.25% |
| *Optional 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 | 0.10% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Return of Purchase Payments Death Benefit Rider II | 0.10% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Stepped-Up Death Benefit Rider | 0.40% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Stepped-Up Death Benefit Rider II | 0.40% |
| *Guaranteed Minimum Withdrawal Benefit Maximum Charges* (as a percentage of the Protected Payment Base) |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;CoreIncome Advantage Select (Single) | 2.00% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;CoreIncome Advantage Select (Joint) | 2.50% |
| *Guaranteed Minimum Accumulation Benefit Maximum Charges* (as a percentage of the Protected Base) |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Investment Guard (5-Year Option)<sup>4</sup> | 3.50% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Investment Guard (7-Year Option)<sup>4</sup> | 3.50% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Investment Guard (10-Year Option)<sup>4</sup> | 3.50% |
| *Optional Loan Expenses* |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Loan Interest Rate (net)<sup>5</sup> | 2.00% |

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<sup>2</sup> We deduct an Annual Fee on each Contract Anniversary up to your Annuity Date and when you make a full withdrawal if the Contract Value on these days is less than $50,000 after deducting any outstanding loan and interest (your Net Contract Value). See **CHARGES, FEES AND ADJUSTMENTS**.

<sup>3</sup>As a percentage of the average daily Variable Account Value. This percentage includes the Mortality and Expense Risk Charge and the Administrative Fee. The Mortality and Expense Risk Charge percentage may decrease or increase based on your Contract Value. The Mortality and Expense Risk Charge and the Administrative Fee will stop at the Annuity Date if you select fixed annuity payments. See the **Mortality and Expense Risk Charge** and **Administrative Fee** sections for more information.

<sup>4</sup> The Current charge for new elections for these Riders is disclosed in a Rate Sheet Prospectus Supplement.

<sup>5</sup> As a percentage of Contract Debt. This net percentage factors in a 5% fixed annual rate charged on your Contract Debt and a 3% annual return on the loaned amount held in the Loan Account. See **ADDITIONAL INFORMATION—Loans**.

**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.**

**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** |
| 0.28% | 2.54% |

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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 optional 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** |
| $16612 | $35696 | $52051 | $92831 |

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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** |
| $16612 | $30296 | $49351 | $92831 |

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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** |
| $10312 | $30296 | $49351 | $92831 |

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**APPENDIX: INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT**

The following is a list of Investment Options 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 <u>https://pacificlife.onlineprospectus.net/pacificlife/products</u>/. You can also request this information at no cost by calling (833) 455-0901 or by sending an email request to Prospectuses@PacificLife.com. Availability of Funds may vary by financial intermediary. For information about which Funds are available to you, please contact your financial professional or call us at the number above.

Depending on the optional benefits you choose, you may not be able to invest in certain Funds. See the **Living Benefit Investment Allocation Requirements** section after the Fund table below.

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** | **Fund**; Advisor (Subadvisor) | **Current<br> Expenses** | **Average Annual Total Returns <br> (as of 12/31/2024)** | **Average Annual Total Returns <br> (as of 12/31/2024)** | **Average Annual Total Returns <br> (as of 12/31/2024)** |
| | | | **1 Year** | **5 Year** | **10 Year** |
| Provide you with a high level of current income. Its secondary investment objective is capital appreciation. | **American Funds IS American High-Income Trust Class 4**; Capital Research and Management Company℠ | 0.83%<sup>1</sup> | 9.39% | 5.29% | 5.06% |
| Provide high total return (including income and capital gains) consistent with preservation of capital over the long term. | **American Funds IS Asset Allocation Fund Class 4**; Capital Research and Management Company℠ | 0.79% | 16.11% | 8.04% | 8.05% |
| The fund has two primary investment objectives. It seeks (1) to provide a level of current income that exceeds the average yield on U.S. stocks generally and (2) to provide a growing stream of income over the years. Secondary objective is to provide growth of capital. | **American Funds IS Capital Income Builder® Class 4**; Capital Research and Management Company℠ | 0.78%<sup>1</sup> | 9.93% | 5.75% | 5.17% |
| Provide, over the long term, with a high level of total return consistent with prudent investment management. Total return comprises the income generated by the fund and the changes in the market value of the fund's investments. | **American Funds IS Capital World Bond Fund Class 4**; Capital Research and Management Company℠ | 0.98% | -3.32% | -2.65% | -0.33% |
| Provide you with long-term growth of capital while providing current income. | **American Funds IS Capital World Growth and Income Fund Class 4**; Capital Research and Management Company℠ | 0.92%<sup>1</sup> | 13.70% | 7.04% | 8.17% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objective** | **Fund**; Advisor (Subadvisor) | **Current<br> Expenses** | **Average Annual Total Returns <br> (as of 12/31/2024)** | **Average Annual Total Returns <br> (as of 12/31/2024)** | **Average Annual Total Returns <br> (as of 12/31/2024)** |
| | | | **1 Year** | **5 Year** | **10 Year** |
| Seeks the balanced accomplishment of three objectives: long-term growth of capital, conservation of principal and current income. | **American Funds IS Global Balanced Fund Class 4**; Capital Research and Management Company℠ | 1.01%<sup>1</sup> | 6.32% | 4.56% | 5.65% |
| Provide long-term growth of capital. | **American Funds IS Global Growth Fund Class 4**; Capital Research and Management Company℠ | 0.91%<sup>1</sup> | 13.39% | 9.49% | 10.46% |
| Provide long-term growth of capital. | **American Funds IS Global Small Capitalization Fund Class 4**; Capital Research and Management Company℠ | 1.15%<sup>1</sup> | 2.12% | 2.74% | 5.54% |
| Provide growth of capital. | **American Funds IS Growth Fund Class 4**; Capital Research and Management Company℠ | 0.84% | 31.29% | 18.53% | 16.29% |
| Seeks to provide long-term growth of capital and income. | **American Funds IS Growth-Income Fund Class 4**; Capital Research and Management Company℠ | 0.78% | 23.93% | 12.73% | 11.93% |
| Provide long-term growth of capital. | **American Funds IS International Fund Class 4**; Capital Research and Management Company℠ | 1.03% | 2.93% | 0.97% | 3.75% |
| Provide long-term growth of capital while providing current income. | **American Funds IS International Growth and Income Fund Class 4**; Capital Research and Management Company℠ | 1.06% | 3.11% | 2.28% | 3.73% |
| Provide high total return (including income and capital gains) consistent with preservation of capital over the long term while seeking to manage volatility and provide downside protection. | **American Funds IS Managed Risk Asset Allocation Fund Class P2**; Capital Research and Management Company℠ | 0.90% | 14.63% | 5.30% | 5.88% |
| Provide long-term capital appreciation. | **American Funds IS New World Fund® Class 4**; Capital Research and Management Company℠ | 1.07%<sup>1</sup> | 6.33% | 4.29% | 5.96% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objective** | **Fund**; Advisor (Subadvisor) | **Current<br> Expenses** | **Average Annual Total Returns <br> (as of 12/31/2024)** | **Average Annual Total Returns <br> (as of 12/31/2024)** | **Average Annual Total Returns <br> (as of 12/31/2024)** |
| | | | **1 Year** | **5 Year** | **10 Year** |
| Provide as high a level of current income as is consistent with the preservation of capital. | **American Funds IS The Bond Fund of America Class 4**; Capital Research and Management Company℠ | 0.73%<sup>1</sup> | 0.98% | 0.07% | 1.42% |
| Provide a high level of current income consistent with prudent investment risk and preservation of capital. | **American Funds IS U.S. Government Securities Fund Class 4**; Capital Research and Management Company℠ | 0.75%<sup>1</sup> | 0.44% | -0.13% | 0.84% |
| Produce income and to provide an opportunity for growth of principal consistent with sound common stock investing. | **American Funds IS Washington Mutual Investors Fund Class 4**; Capital Research and Management Company℠ | 0.75%<sup>1</sup> | 18.85% | 11.92% | 9.99% |
| Seeks to provide total return. | **BlackRock 60/40 Target Allocation ETF V.I. Fund Class I**; BlackRock Advisors, LLC | 0.32%<sup>1</sup> | 11.64% | 7.14% | 6.74% |
| Seeks high total investment return. | **BlackRock Global Allocation V.I. Fund Class III**; BlackRock Advisors, LLC | 1.02%<sup>1</sup> | 8.93% | 5.72% | 5.32% |
| Seeks long-term capital appreciation. | **Fidelity VIP Contrafund® Portfolio Service Class 2**; Fidelity Management & Research Company LLC | 0.81% | 33.45% | 16.74% | 13.33% |
| Seeks high total return. | **Fidelity® VIP FundsManager® 60% Portfolio Service Class 2**; Fidelity Management & Research Company LLC | 0.81%<sup>1</sup> | 9.45% | 6.41% | 6.51% |
| Seeks as high a level of current income as is consistent with preservation of capital and liquidity. | **Fidelity® VIP Government Money Market Portfolio Service Class**; Fidelity Management & Research Company LLC | 0.35% | 5.00% | 2.27% | 1.54% |
| Seeks a high level of current income. The fund may also seek capital appreciation. | **Fidelity® VIP Strategic Income Portfolio Service Class 2**; Fidelity Management & Research Company LLC | 0.89% | 5.78% | 2.54% | 3.34% |
| Seeks to provide total return. | **First Trust Dorsey Wright Tactical Core Portfolio Class I**; First Trust Advisors L.P. | 1.30%<sup>1</sup> | 12.53% | 5.61% | N/A |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objective** | **Fund**; Advisor (Subadvisor) | **Current<br> Expenses** | **Average Annual Total Returns <br> (as of 12/31/2024)** | **Average Annual Total Returns <br> (as of 12/31/2024)** | **Average Annual Total Returns <br> (as of 12/31/2024)** |
| | | | **1 Year** | **5 Year** | **10 Year** |
| Seeks to provide total return by allocating among dividend-paying stocks and investment grade bonds. | **First Trust/Dow Jones Dividend & Income Allocation Portfolio Class I**; First Trust Advisors L.P. | 1.18% | 6.01% | 4.48% | 6.14% |
| Seeks capital appreciation, with income as a secondary goal. | **Franklin Allocation VIP Fund Class 4**; Franklin Advisers, Inc. | 0.92%<sup>1</sup> | 8.89% | 5.45% | 5.25% |
| To maximize income while maintain prospects for capital appreciation. | **Franklin Income VIP Fund Class 2**; Franklin Advisers, Inc. | 0.72%<sup>1</sup> | 7.20% | 5.29% | 5.27% |
| Seeks capital appreciation. | **Franklin Mutual Global Discovery VIP Fund Class 2**; Franklin Mutual Advisers, LLC | 1.16% | 4.66% | 6.42% | 5.87% |
| Seeks long-term capital appreciation, with preservation of capital as an important consideration. | **Franklin Rising Dividends VIP Fund Class 2**; Franklin Advisers, Inc. | 0.88%<sup>1</sup> | 10.79% | 10.30% | 10.44% |
| Seeks capital appreciation. | **Invesco Oppenheimer V.I. International Growth Fund Series II**; Invesco Advisers, Inc. | 1.25%<sup>1</sup> | -1.81% | 2.83% | 4.15% |
| Total return with a low to moderate correlation to traditional financial market indices. | **Invesco V.I. Balanced-Risk Allocation Fund Series II**; Invesco Advisers, Inc. | 1.13%<sup>1</sup> | 3.56% | 2.51% | 3.57% |
| Both capital appreciation and current income. | **Invesco V.I. Equity and Income Fund Series II**; Invesco Advisers, Inc. | 0.82% | 11.91% | 8.12% | 7.09% |
| Seeks capital appreciation. | **Invesco V.I. Global Fund Series II**; Invesco Advisers, Inc. | 1.06% | 15.78% | 9.21% | 9.58% |
| Total return through growth of capital and current income. | **Invesco V.I. Global Real Estate Fund Series II**; Invesco Advisers, Inc. | 1.27% | -2.11% | -2.64% | 1.26% |

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| | | | | |
|:---|:---|:---|:---|:---|
| **Investment Objective** | **Fund**; Advisor (Subadvisor) | **Average Annual Total Returns <br> (as of 12/31/2024)** | **Average Annual Total Returns <br> (as of 12/31/2024)** | **Average Annual Total Returns <br> (as of 12/31/2024)** |
| | | **1 Year** | **5 Year** | **10 Year** |
| Seeks, over a specified annual outcome period, to provide investors with returns that match those of the S&P 500 Index (the "Underlying Index") up to an upside cap, while providing a buffer against the first 10% (prior to taking into account any fees and expenses of the fund) of Underlying Index losses. | **Invesco® V.I. S&P 500 Buffer Fund - December Series II**; Invesco Advisers, Inc.0.96%<sup>1</sup> | 13.73% | N/A | N/A |
| Seeks, over a specified annual outcome period, to provide investors with returns that match those of the S&P 500 Index (the "Underlying Index") up to an upside cap, while providing a buffer against the first 10% (prior to taking into account any fees and expenses of the fund) of Underlying Index losses. | **Invesco® V.I. S&P 500 Buffer Fund - June Series II**; Invesco Advisers, Inc.0.96%<sup>1</sup> | 13.76% | N/A | N/A |
| Seeks, over a specified annual outcome period, to provide investors with returns that match those of the S&P 500 Index (the "Underlying Index") up to an upside cap, while providing a buffer against the first 10% (prior to taking into account any fees and expenses of the fund) of Underlying Index losses. | **Invesco® V.I. S&P 500 Buffer Fund - March Series II**; Invesco Advisers, Inc.0.96%<sup>1</sup> | 13.06% | N/A | N/A |
| Seeks, over a specified annual outcome period, to provide investors with returns that match those of the S&P 500 Index (the "Underlying Index") up to an upside cap, while providing a buffer against the first 10% (prior to taking into account any fees and expenses of the fund) of Underlying Index losses. | **Invesco® V.I. S&P 500 Buffer Fund - September Series II**; Invesco Advisers, Inc.0.96%<sup>1</sup> | 10.02% | N/A | N/A |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objective** | **Fund**; Advisor (Subadvisor) | **Current<br> Expenses** | **Average Annual Total Returns <br> (as of 12/31/2024)** | **Average Annual Total Returns <br> (as of 12/31/2024)** | **Average Annual Total Returns <br> (as of 12/31/2024)** |
| | | | **1 Year** | **5 Year** | **10 Year** |
| Seeks long-term capital growth, consistent with preservation of capital and balanced by current income. | **Janus Henderson Balanced Portfolio Service Shares**; Janus Henderson Investors US LLC | 0.87% | 15.15% | 8.06% | 8.40% |
| Maximum total return, consistent with preservation of capital. | **Janus Henderson Flexible Bond Portfolio Service Shares**; Janus Henderson Investors US LLC | 0.82%<sup>1</sup> | 1.63% | 0.09% | 1.35% |
| Seeks high current income and the opportunity for capital appreciation to produce a high total return. | **Lord Abbett Bond Debenture Portfolio Class VC**; Lord Abbett & Co. LLC | 1.14% | 6.72% | 1.90% | 3.73% |
| Seeks income and capital appreciation to produce a high total return. | **Lord Abbett Total Return Portfolio Class VC**; Lord Abbett & Co. LLC | 0.99% | 2.66% | 0.11% | 1.50% |
| Seeks long-term capital growth. Income is a secondary objective. | **LVIP American Century Mid Cap Value Service Class**; Lincoln Financial Investments Corporation ("LFI") | 1.01%<sup>1</sup> | 8.52% | 7.13% | 7.87% |
| Seeks to provide total return. | **Macquarie VIP Asset Strategy Series Service Class**; Delaware Management Company | 0.85%<sup>1</sup> | 12.44% | 6.56% | 5.27% |
| Seeks to provide capital growth and appreciation. | **Macquarie VIP Energy Series Service Class**; Delaware Management Company | 1.11%<sup>1</sup> | -5.60% | 5.79% | -1.89% |
| Seeks total return. | **MFS Utilities Series – Service Class**; Massachusetts Financial Services Company | 1.04%<sup>1</sup> | 11.34% | 5.61% | 6.02% |
| Seeks total return. | **MFS® Total Return Series – Service Class**; Massachusetts Financial Services Company | 0.86%<sup>1</sup> | 7.46% | 5.89% | 6.20% |
| Seeks capital appreciation. | **Pacific Select Fund Bond Plus Portfolio Class I**; Pacific Life Fund Advisors, LLC | 0.64%<sup>1</sup> | N/A | N/A | N/A |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objective** | **Fund**; Advisor (Subadvisor) | **Current<br> Expenses** | **Average Annual Total Returns <br> (as of 12/31/2024)** | **Average Annual Total Returns <br> (as of 12/31/2024)** | **Average Annual Total Returns <br> (as of 12/31/2024)** |
| | | | **1 Year** | **5 Year** | **10 Year** |
| Seeks a high level of current income; capital appreciation is of secondary importance. | **Pacific Select Fund Core Income Portfolio Class I**; Pacific Life Fund Advisors LLC (Aristotle Pacific Capital LLC) | 0.76% | 2.78% | 1.19% | N/A |
| Seeks to maximize total return consistent with prudent investment management. | **Pacific Select Fund Diversified Bond Portfolio Class I**; Pacific Life Fund Advisors LLC (Loomis Sayles & Company, L.P.) | 0.64% | 1.62% | -1.50% | 1.60% |
| Seeks dividend income and long-term capital appreciation. | **Pacific Select Fund Dividend Growth Portfolio Class I**; Pacific Life Fund Advisors LLC (T. Rowe Price Associates, Inc.) | 0.87%<sup>1</sup> | 13.24% | 10.39% | 11.10% |
| Seeks to maximize total return consistent with prudent investment management. | **Pacific Select Fund Emerging Markets Debt Portfolio Class I**; Pacific Life Fund Advisors LLC (Principal Global Investors, LLC) | 1.04%<sup>1</sup> | 6.88% | 0.80% | 3.15% |
| Seeks long-term growth of capital. | **Pacific Select Fund Emerging Markets Portfolio Class I**; Pacific Life Fund Advisors LLC (Goldman Sachs Asset Management, L.P.) | 1.04%<sup>1</sup> | -1.52% | -2.91% | 1.64% |
| Seeks investment results that correspond to the total return of common stocks that are publicly traded in the U.S. | **Pacific Select Fund Equity Index Portfolio Class I**; Pacific Life Fund Advisors LLC (BlackRock Investment Management, LLC) | 0.28% | 24.66% | 14.22% | 12.78% |
| Seeks long-term growth of capital and low to moderate income, while giving consideration to certain environmental, social and governance ("ESG") criteria. | **Pacific Select Fund ESG Diversified Growth Portfolio Class I**; Pacific Life Fund Advisors LLC | 0.79%<sup>1</sup> | 13.88% | N/A | N/A |
| Seeks long-term growth of capital and low to moderate income, while giving consideration to certain environmental, social and governance ("ESG") criteria. | **Pacific Select Fund ESG Diversified Portfolio Class I**; Pacific Life Fund Advisors LLC | 0.79%<sup>1</sup> | 12.18% | N/A | N/A |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objective** | **Fund**; Advisor (Subadvisor) | **Current<br> Expenses** | **Average Annual Total Returns <br> (as of 12/31/2024)** | **Average Annual Total Returns <br> (as of 12/31/2024)** | **Average Annual Total Returns <br> (as of 12/31/2024)** |
| | | | **1 Year** | **5 Year** | **10 Year** |
| Seeks a high level of current income. | **Pacific Select Fund Floating Rate Income Portfolio Class I**; Pacific Life Fund Advisors LLC (Aristotle Pacific Capital LLC) | 0.92% | 8.05% | 5.78% | 4.97% |
| Seeks long-term growth of capital. | **Pacific Select Fund Focused Growth Portfolio Class I**; Pacific Life Fund Advisors LLC (Janus Henderson Investors US LLC) | 0.95% | 27.95% | 14.12% | 14.92% |
| Seeks long-term growth of capital. | **Pacific Select Fund Growth Portfolio Class I**; Pacific Life Fund Advisors LLC (MFS Investment Management) | 0.78% | 31.82% | 14.82% | 15.10% |
| Seeks long-term growth of capital. | **Pacific Select Fund Health Sciences Portfolio Class I**; Pacific Life Fund Advisors LLC (BlackRock Investment Management, LLC) | 1.14% | 4.04% | 6.23% | 8.90% |
| Seeks to provide capital appreciation. | **Pacific Select Fund Hedged Equity Portfolio Class I**; Pacific Life Fund Advisors LLC (JPMorgan Investment Management, Inc.) | 0.85% | 17.87% | N/A | N/A |
| Seeks a high level of current income. | **Pacific Select Fund High Yield Bond Portfolio Class I**; Pacific Life Fund Advisors LLC (Aristotle Pacific Capital LLC) | 0.63% | 7.14% | 3.74% | 4.62% |
| Seeks to maximize total return consistent with prudent investment management. | **Pacific Select Fund Inflation Managed Portfolio Class I**; Pacific Life Fund Advisors LLC (Pacific Investment Management Company LLC) | 1.32% | 2.36% | 1.95% | 2.15% |
| Seeks to maximize total return. | **Pacific Select Fund Intermediate Bond Portfolio Class I**; Pacific Life Fund Advisors LLC (JPMorgan Investment Management, Inc.) | 0.64% | 2.11% | N/A | N/A |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objective** | **Fund**; Advisor (Subadvisor) | **Current<br> Expenses** | **Average Annual Total Returns <br> (as of 12/31/2024)** | **Average Annual Total Returns <br> (as of 12/31/2024)** | **Average Annual Total Returns <br> (as of 12/31/2024)** |
| | | | **1 Year** | **5 Year** | **10 Year** |
| Seeks capital appreciation. | **Pacific Select Fund International Equity Plus Bond Alpha Portfolio Class I**; Pacific Life Fund Advisors, LLC | 0.66%<sup>1</sup> | N/A | N/A | N/A |
| Seeks long-term growth of capital. | **Pacific Select Fund International Growth Portfolio Class I**; Pacific Life Fund Advisors LLC (ClearBridge Investments, LLC) | 0.95% | 7.39% | N/A | N/A |
| Seeks long-term growth of capital. | **Pacific Select Fund International Large-Cap Portfolio Class I**; Pacific Life Fund Advisors LLC (MFS Investment Management) | 1.00%<sup>1</sup> | 3.68% | 5.81% | 6.62% |
| Seeks long-term growth of capital. | **Pacific Select Fund International Small-Cap Portfolio Class I**; Pacific Life Fund Advisors LLC (FIAM, LLC.) | 1.15%<sup>1</sup> | -0.98% | 3.51% | 4.89% |
| Seeks long-term capital appreciation primarily through investment in equity securities of corporations domiciled in countries with developed economies and markets other than the U.S. Current income from dividends and interest will not be an important consideration. | **Pacific Select Fund International Value Portfolio Class I**; Pacific Life Fund Advisors LLC (Wellington Management Company LLP) | 0.91% | 3.89% | 6.62% | 5.23% |
| Seeks long-term growth of capital. | **Pacific Select Fund Large-Cap Core Portfolio Class I**; Pacific Life Fund Advisors LLC (JPMorgan Investment Management, Inc.) | 0.68% | 23.96% | 12.72% | 11.62% |
| Seeks long-term growth of capital; current income is of secondary importance. | **Pacific Select Fund Large-Cap Growth Portfolio Class I**; Pacific Life Fund Advisors LLC (FIAM, LLC) | 0.86%<sup>1</sup> | 29.97% | 14.28% | 14.12% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objective** | **Fund**; Advisor (Subadvisor) | **Current<br> Expenses** | **Average Annual Total Returns <br> (as of 12/31/2024)** | **Average Annual Total Returns <br> (as of 12/31/2024)** | **Average Annual Total Returns <br> (as of 12/31/2024)** |
| | | | **1 Year** | **5 Year** | **10 Year** |
| Seeks capital appreciation. | **Pacific Select Fund Large-Cap Plus Bond Alpha Portfolio Class I**; Pacific Life Fund Advisors, LLC | 0.64%<sup>1</sup> | N/A | N/A | N/A |
| Seeks long-term growth of capital; current income is of secondary importance. | **Pacific Select Fund Large-Cap Value Portfolio Class I**; Pacific Life Fund Advisors LLC (ClearBridge Investments, LLC) | 0.84% | 7.97% | 9.11% | 8.43% |
| Seeks long-term growth of capital. | **Pacific Select Fund Mid-Cap Growth Portfolio Class I**; Pacific Life Fund Advisors LLC (Federated MDTA LLC) | 0.88%<sup>1</sup> | 2.48% | 8.27% | 10.17% |
| Seeks capital appreciation. | **Pacific Select Fund Mid-Cap Plus Bond Alpha Portfolio Class I** (formerly called Pacific Select Fund Mid-Cap Equity Portfolio Class I); Pacific Life Fund Advisors LLC (Fidelity Diversifying Solutions LLC) | 0.65%<sup>1</sup> | 14.95% | 10.24% | 10.26% |
| Seeks long-term growth of capital. | **Pacific Select Fund Mid-Cap Value Portfolio Class I**; Pacific Life Fund Advisors LLC (Boston Partners Global Investors, Inc.) | 0.93% | 10.31% | 9.80% | 8.89% |
| Seeks high, long-term growth of capital. | **Pacific Select Fund Pacific Dynamix – Aggressive Growth Portfolio Class I**; Pacific Life Fund Advisors LLC | 0.59%<sup>1</sup> | N/A | N/A | N/A |
| Seeks current income and moderate growth of capital. | **Pacific Select Fund Pacific Dynamix – Conservative Growth Portfolio Class I**; Pacific Life Fund Advisors LLC | 0.59%<sup>1</sup> | 8.54% | 4.39% | 4.81% |
| Seeks moderately high, long-term growth of capital with low, current income. | **Pacific Select Fund Pacific Dynamix – Growth Portfolio Class I**; Pacific Life Fund Advisors LLC | 0.59%<sup>1</sup> | 13.90% | 8.00% | 7.78% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objective** | **Fund**; Advisor (Subadvisor) | **Current<br> Expenses** | **Average Annual Total Returns <br> (as of 12/31/2024)** | **Average Annual Total Returns <br> (as of 12/31/2024)** | **Average Annual Total Returns <br> (as of 12/31/2024)** |
| | | | **1 Year** | **5 Year** | **10 Year** |
| Seeks long-term growth of capital and low to moderate income. | **Pacific Select Fund Pacific Dynamix – Moderate Growth Portfolio Class I**; Pacific Life Fund Advisors LLC | 0.59%<sup>1</sup> | 12.12% | 6.63% | 6.49% |
| Seeks high, long-term capital appreciation. | **Pacific Select Fund Portfolio Optimization Aggressive-Growth Portfolio Class I**; Pacific Life Fund Advisors LLC | 0.97% | 12.37% | 6.94% | 7.26% |
| Seeks current income and preservation of capital. | **Pacific Select Fund Portfolio Optimization Conservative Portfolio Class I**; Pacific Life Fund Advisors LLC | 0.90% | 6.38% | 2.04% | 3.14% |
| Seeks moderately high, long-term capital appreciation with low, current income. | **Pacific Select Fund Portfolio Optimization Growth Portfolio Class I**; Pacific Life Fund Advisors LLC | 0.94% | 11.36% | 6.20% | 6.65% |
| Seeks long-term growth of capital and low to moderate income. | **Pacific Select Fund Portfolio Optimization Moderate Portfolio Class I**; Pacific Life Fund Advisors LLC | 0.92% | 11.21% | 5.44% | 5.81% |
| Seeks current income and moderate growth of capital. | **Pacific Select Fund Portfolio Optimization Moderate-Conservative Portfolio Class I**; Pacific Life Fund Advisors LLC | 0.91% | 8.41% | 3.67% | 4.45% |
| Seeks long-term growth of capital and low to moderate income. | **Pacific Select Fund PSF Avantis Balanced Allocation Portfolio Class I** (formerly called Class D); Pacific Life Fund Advisors LLC | 0.65% | 11.54% | 6.36% | 7.19% |
| Seeks capital appreciation. | **Pacific Select Fund QQQ Plus Bond Alpha Portfolio Class I**; Pacific Life Fund Advisors, LLC | 0.60%<sup>1</sup> | N/A | N/A | N/A |
| Seeks current income and long-term capital appreciation. | **Pacific Select Fund Real Estate Portfolio Class I**; Pacific Life Fund Advisors LLC (Principal Real Estate Investors LLC) | 0.99%<sup>1</sup> | 7.51% | 4.16% | 5.23% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objective** | **Fund**; Advisor (Subadvisor) | **Current<br> Expenses** | **Average Annual Total Returns <br> (as of 12/31/2024)** | **Average Annual Total Returns <br> (as of 12/31/2024)** | **Average Annual Total Returns <br> (as of 12/31/2024)** |
| | | | **1 Year** | **5 Year** | **10 Year** |
| Seeks current income; capital appreciation is of secondary importance. | **Pacific Select Fund Short Duration Bond Portfolio Class I**; Pacific Life Fund Advisors LLC (T. Rowe Price Associates, Inc.) | 0.64% | 4.87% | 1.62% | 1.67% |
| Seeks long-term growth of capital. | **Pacific Select Fund Small-Cap Equity Portfolio Class I**; Pacific Life Fund Advisors LLC (Franklin Mutual Advisers, LLC & BlackRock Investment Management, LLC) | 0.94%<sup>1</sup> | 9.70% | 7.54% | 7.33% |
| Seeks capital appreciation; no consideration is given to income. | **Pacific Select Fund Small-Cap Growth Portfolio Class I**; Pacific Life Fund Advisors LLC (MFS Investment Management) | 0.84% | 6.55% | 6.17% | 8.14% |
| Seeks investment results that correspond to the total return of an index of small-capitalization companies. | **Pacific Select Fund Small-Cap Index Portfolio Class I**; Pacific Life Fund Advisors LLC (BlackRock Investment Management, LLC) | 0.58% | 10.84% | 6.77% | 7.20% |
| Seeks capital appreciation. | **Pacific Select Fund Small-Cap Plus Bond Alpha Portfolio Class I**; Pacific Life Fund Advisors, LLC | 0.69%<sup>1</sup> | N/A | N/A | N/A |
| Seeks long-term growth of capital. | **Pacific Select Fund Small-Cap Value Portfolio Class I**; Pacific Life Fund Advisors LLC (Avantis Investors by American Century) | 0.83%<sup>1</sup> | 6.18% | 5.91% | 6.30% |
| Seeks long-term growth of capital. | **Pacific Select Fund Technology Portfolio Class I**; Pacific Life Fund Advisors LLC (FIAM LLC) | 1.04%<sup>1</sup> | 37.45% | 17.76% | 14.72% |
| Seeks to maximize total return consistent with prudent investment management. | **Pacific Select Fund Total Return Portfolio Class I** (formerly called Pacific Select Fund Managed Bond Portfolio Class I); Pacific Life Fund Advisors LLC (Pacific Investment Management Company LLC) | 0.92% | 2.70% | 0.15% | 1.65% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objective** | **Fund**; Advisor (Subadvisor) | **Current<br> Expenses** | **Average Annual Total Returns <br> (as of 12/31/2024)** | **Average Annual Total Returns <br> (as of 12/31/2024)** | **Average Annual Total Returns <br> (as of 12/31/2024)** |
| | | | **1 Year** | **5 Year** | **10 Year** |
| Seeks to provide long-term total return from a combination of income and capital gains. | **Pacific Select Fund Value Advantage Portfolio Class I**; Pacific Life Fund Advisors LLC (JPMorgan Investment Management, Inc.) | 0.87%<sup>1</sup> | 16.50% | 8.89% | 8.41% |
| Seeks long-term growth of capital. | **Pacific Select Fund Value Portfolio Class I**; Pacific Life Fund Advisors LLC (Putnam Investment Management, LLC) | 0.86%<sup>1</sup> | 10.14% | 5.17% | 6.22% |
| Seeks maximum real return, consistent with prudent investment management. | **PIMCO CommodityRealReturn® Strategy Portfolio – Advisor Class**; Pacific Investment Management Company, LLC | 2.38%<sup>1</sup> | 3.97% | 6.98% | 1.55% |
| Seeks to maximize current income. Long-term capital appreciation is a secondary objective. | **PIMCO Income Portfolio – Advisor Class**; Pacific Investment Management Company, LLC | 1.16% | 5.30% | 2.61% | N/A |
| Seeks high current income, consistent with preservation of capital, with capital appreciation as a secondary consideration. | **Templeton Global Bond VIP Fund Class 2**; Franklin Advisers, Inc. | 0.75%<sup>1</sup> | -11.37% | -4.85% | -2.03% |
| Seeks long-term capital appreciation by investing primarily in global resource securities. Income is a secondary consideration. | **VanEck VIP Global Resources Fund Class S**; Van Eck Associates Corporation | 1.30% | -3.09% | 7.28% | 0.57% |

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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.**

**FIXED OPTIONS (OFFERED UNDER DCA PLUS) AVAILABLE UNDER THE CONTRACT**

*The following is a list of Fixed Options currently available under the Contract. We may change the features of the Fixed Options listed below, offer new Fixed Options, and terminate existing Fixed Options. We will provide you with written notice before we do so.* See **YOUR INVESTMENT OPTIONS** – **Your Fixed Options** in the Prospectus for more information.

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Name** | &nbsp;&nbsp;**Term** | &nbsp;&nbsp;**Minimum Guaranteed Interest Rate** |
| &nbsp;&nbsp;DCA Plus Fixed Option<br>*(unregistered fixed option)* | &nbsp;&nbsp;6 months\* | &nbsp;&nbsp;3% |
| &nbsp;&nbsp;DCA Plus Fixed Option<br>*(unregistered fixed option)* | &nbsp;&nbsp;12 months\* | &nbsp;&nbsp;3% |

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\* 6 or 12 month terms are currently offered. However, DCA Plus provides a way to transfer amounts monthly from the DCA Plus Fixed Option to one or more Variable Investment Option(s) currently over a period of up to 24 months, depending on what Guarantee Terms we offer. Please contact us for the Guarantee Terms currently available.

The DCA Plus Fixed Option is part of PLIC's General Account assets. These General Account assets include all assets of PLIC other than those held in the Separate Accounts sponsored by PLIC or its affiliates.

Any interest in the Fixed Account is not a security under the Securities Act of 1933 and the Fixed Account is not registered under or regulated by the Investment Company Act of 1940. Accordingly, the Fixed Account is not offered by virtue of the prospectus. The staff of the SEC does not generally review the disclosure in the prospectus relating to the Fixed Account. Disclosure regarding the Fixed Account and the General Account may, however, be subject to certain provisions of the Federal securities laws relating to the accuracy and completeness of statements made in the prospectus.

Investment income from the Fixed Account allocated to us includes compensation for risks borne by us in connection with Fixed Account Contracts. The amount of such investment income allocated to the Contracts will vary from year to year in our sole discretion at such rate or rates as we prospectively declare from time to time.

We guarantee that for the life of the Contract interest credited to your Fixed Option during the Fixed Account Term beginning on the Issue Date will not be accumulated at less than the Minimum Guaranteed Interest Rate allowed by state law. The current Minimum Guaranteed Interest Rate applicable to any Contract will not be less than 1%. We reserve the right to change the rate subject to applicable state law. We will determine any interest we credit to amounts allocated to the Fixed Account in excess of the Minimum Guaranteed Interest Rate at our sole discretion. You assume the risk that interest credited to the Fixed Account may not exceed the Minimum Guaranteed Interest Rate for any given year. We have no specific formula for determining the interest rate. Some factors we may consider are regulatory and tax requirements, general economic trends and competitive factors. See the **DCA Plus Fixed Option** section for additional information.

**LIVING BENEFIT INVESTMENT ALLOCATION REQUIREMENTS**

*Investment Allocation Requirements*

At initial purchase and during the entire time that you own an optional living benefit rider, you must allocate your entire Contract Value to the Investment Options we make available for these riders. You may allocate your Contract Value 100% among the allowable Investment Options. You may also use the DCA Plus program to transfer amounts to the allowable Investment Options.

Currently, the Investment Options requirements are as follows:

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| | |
|:---|:---|
| **<u>Allowable Investment Options for CoreIncome Advantage Select (Single) and (Joint)</u>** | **<u>Allowable Investment Options for CoreIncome Advantage Select (Single) and (Joint)</u>** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;American Funds IS Asset Allocation Fund | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Invesco V.I. Balanced-Risk Allocation Fund |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;American Funds IS Managed Risk Asset Allocation Fund | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Macquarie VIP Asset Strategy |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;BlackRock Global Allocation V.I. Fund | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Janus Henderson Balanced Portfolio |

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| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;BlackRock Global Allocation V.I. Fund | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Janus Henderson Balanced Portfolio |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;PSF Avantis Balanced Allocation Portfolio Fidelity<sup>®</sup> VIP FundsManager 60% Portfolio | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;MFS Total Return Series Pacific Dynamix – Conservative Growth Portfolio |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;PSF ESG Diversified Portfolio | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pacific Dynamix – Moderate Growth Portfolio |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;First Trust/Dow Jones Dividend & Income Allocation<br> Portfolio | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Portfolio Optimization Conservative Portfolio <br> Portfolio Optimization Moderate-Conservative Portfolio |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Franklin Allocation VIP Fund | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Portfolio Optimization Moderate Portfolio |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;PSF Hedged Equity Portfolio |  |

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**If you purchase the Investment Guard (5-Year Option, 7-Year Option, or 10-Year Option), all Investment Options are currently allowable under the rider <u>except</u> the below Investment Options. You may <u>NOT</u> invest in any of the following Investment Options:**

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| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Invesco V.I. S&P 500 Buffer Fund – September Series |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Invesco V.I. S&P 500 Buffer Fund – December Series |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Invesco V.I. S&P 500 Buffer Fund – March Series |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Invesco V.I. S&P 500 Buffer Fund – June Series |

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You may transfer your entire Contract Value between allowable Investment Options, subject to certain transfer limitations and availability. See **HOW YOUR PURCHASE PAYMENTS ARE ALLOCATED – Transfers and Market-timing Restrictions**. Keep in mind that you must allocate your *entire* Contract Value *among* the allowable Investment Options. If you do not allocate your *entire* Purchase Payment or Contract Value according to the requirements above, your rider may terminate.

**By adding an optional living benefit rider to your Contract, you agree to the investment allocation requirements for the entire period that you own a Rider. These requirements may limit the number of Investment Options that are otherwise available to you under your Contract.**

**We reserve the right to add, remove or change allowable asset allocation programs or allowable Investment Options at any time. We may make such a change due to a fund reorganization, fund substitution, fund liquidation, or to help protect our ability to provide the guarantees under these riders (for example, changes in an underlying fund's investment objective and principal investment strategies, or changes in general market conditions). If you have already invested in an allowable Investment Option, a change to an existing allowable Investment Option will not require you to reallocate or transfer the total amount of Contract Value allocated to an affected Investment Option, except when an underlying fund is liquidated by a determination of its Board of Directors or by a fund substitution. If a change is required as a result of a fund liquidation or fund substitution that will result in a reallocation or transfer of an existing Investment Option, we will provide you with reasonable notice (generally 90 calendar days) prior to the effective date of such change to allow you to reallocate your Contract Value to maintain your rider benefits. If you to do not reallocate your Contract Value your rider will terminate.**

**We will send you written notice in the event any transaction made by you will involuntarily cause the rider to terminate for failure to invest according to the investment allocation requirements. However, you will have 10 Business Days starting from the date of our written notice ("10 day period"), to instruct us to take appropriate corrective action to continue participation in an allowable asset allocation program or allowable Investment Options to continue the rider. If you take appropriate corrective action and continue the rider, the rider benefits and features available immediately before the terminating event will remain in effect.**

**Our right to add or remove allowable Investment Options, may limit the number of Investment Options that are available to you under your Contract in the future. We have the right to significantly reduce the number of allowable Investment Options even to a single conservative Investment Option. Please discuss with your financial professional if this Contract is appropriate for you given our right to make changes to the allowable Investment Options.**

Certain of the asset allocation portfolios that are allowable Investment Options, including the Pacific Select Fund asset allocation portfolios, may use futures and options to reduce the portfolios' equity exposure during periods when market indicators suggest high market volatility. This strategy is designed to reduce the risk of market losses from investing in equity securities. However, this strategy may result in periods of underperformance, including periods when specified benchmark indexes are appreciating but market volatility is high. As a result, your Contract Value may increase less than it would have without these defensive actions.

**The allowable Investment Options seek to minimize risk and may reduce overall volatility in investment performance, which may reduce investment returns, and may reduce the likelihood that we will be required to make payments under the optional benefit Riders.** The reduction in volatility permits us to more effectively provide the guarantees under the Contract.

This summary prospectus incorporates by reference the prospectus and Statement of Additional Information for the Contract, both dated May 1, 2025, as supplemented. The SAI may be obtained, free of charge, in the same manner as the prospectus.

EDGAR Contract Identifier: C000233932

## Cover

**ALISON RYAN**

Assistant Vice President &

Managing Assistant General Counsel II

(949) 219-3268 *Telephone*

Alison.Ryan@PacificLife.com

August 13, 2025

Mr. Michael Rosenberg

U.S. Securities and Exchange Commission

100 F Street, NE

Washington, DC 20549-0506

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|:---|:---|
| RE: | **Post-Effective Amendment No. 7 to the Registration Statement for Pacific Choice Variable Annuity 2 (File No. 333-261003), funded through Separate Account A (File Number 811-08946) of Pacific Life Insurance Company Request for Selective Review** |

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On behalf of Pacific Life Insurance Company ("Pacific Life") and Separate Account A ("Separate Account") of Pacific Life, attached for electronic filing under the Securities Act of 1933 ("1933 Act") is Post-Effective Amendment No. 7, on Form N-4. This Post-Effective Amendment relates to an individual flexible premium deferred variable annuity contract designated as Pacific Choice 2 Variable Annuity ("Choice 2"), which is funded by the Separate Account. This Post-Effective Amendment is being filed pursuant to Rule 485(a) under the 1933 Act.

This Post-Effective Amendment contains disclosure to reflect the addition of a Rate Sheet Supplement for the Annual Charge Percentage for the existing Investment Guard Riders 5-Year, 7-Year, and 10-Year Options already offered through Choice 2. Accordingly, Pacific Life is requesting selective review of this filing.

We intend to incorporate the Staff's comments via a Rule 485(b) filing with an effective date of November 1, 2025. We look forward to your response and comments. If you have any questions, please call me at (949) 219-3268.

Sincerely,

<u>/s/ Alison Ryan</u>

Alison Ryan