# EDGAR Filing Document

**Accession Number:** 0000935823
**File Stem:** 0001104659-25-098232
**Filing Date:** 2025-10
**Character Count:** 278654
**Document Hash:** 842960a6afd626daac5ca863bfd96962
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001104659-25-098232.hdr.sgml**: 20251009

**ACCESSION NUMBER**: 0001104659-25-098232

**CONFORMED SUBMISSION TYPE**: 485BPOS

**PUBLIC DOCUMENT COUNT**: 15

**FILED AS OF DATE**: 20251009

**DATE AS OF CHANGE**: 20251009

**EFFECTIVENESS DATE**: 20251009

**FILER**: 

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

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

**FILING VALUES:**
- **FORM TYPE:** 485BPOS
- **SEC ACT:** 1940 Act
- **SEC FILE NUMBER:** 811-08946
- **FILM NUMBER:** 251384591

**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:** 485BPOS
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-185326
- **FILM NUMBER:** 251384590

**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   |
|:---|:---|:---|
| C000123389 | PACIFIC ODYSSEY |  |

?xml version='1.0' encoding='ASCII'? Untitled Document

#### As filed with the Securities and Exchange Commission on October 9, 2025.

#### Registration Nos. 333-185326 811-08946

#### SECURITIES AND EXCHANGE COMMISSION 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. 34**  | **X** |

---

#### and/or

---

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

---

---

| | |
|:---|:---|
| **Amendment No. 903**<br>**(Check appropriate box or boxes)**  | **X** |

---

**SEPARATE ACCOUNT A**

(Exact Name of Registrant)

**PACIFIC LIFE INSURANCE COMPANY** 

(Name of Depositor)

**700 Newport Center Drive Newport Beach, California 92660**

(Address of Depositor's Principal Executive Offices) (Zip Code)

**(949) 219-3011**

(Depository's Telephone Number, including Area Code)

#### Alison Ryan
**Assistant Vice President and Managing Assistant General Counsel II Pacific Life Insurance Company 700 Newport Center Drive Newport Beach, California 92660**

(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)

X immediately upon filing pursuant to paragraph (b) of Rule 485

X on <u>October 9, 2025</u> pursuant to paragraph (b) of Rule 485

O 60 days after filing pursuant to paragraph (a)(1) of Rule 485

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 October 9, 2025 to the Statutory Prospectus and Initial Summary Prospectus dated May 1, 2025 for the Pacific Odyssey (offered on or after October 1, 2013) individual flexible premium deferred variable annuity contracts issued by Pacific Life Insurance Company**

Capitalized terms used in this supplement are defined in the Pacific Odyssey 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 searching the variable annuity product name "Pacific Odyssey," or by searching the Contract file number: "333-185326" under ***SEARCH FILINGS - more search options.***

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, Annual Credit, and Withdrawal Percentages for the Future Income Generator (Single) or (Joint) and the Annual Charge, Annual Credit, Enhanced Income and Guaranteed Lifetime Income percentages for the Enhanced Income Select 2 (Single) or (Joint) optional riders in effect on or after the date below. For complete information about the Future Income Generator (Single) or (Joint) or the Enhanced Income Select 2 (Single) or (Joint), see the Prospectus.

**The percentages below apply for applications signed on or after November 3, 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** PacificLife.com/Prospectuses **or call us at (800) 722-4448 to confirm the most current percentages.**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Ongoing Fees and Expenses (annual charges)** | &nbsp;&nbsp; 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. Advisory fees for services provided by your financial professional taken from your Contract Value or other assets and are not reflected in the Annual Fees below. If such fees were reflected, the annual costs of your Contract would be higher. | &nbsp;&nbsp; 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. Advisory fees for services provided by your financial professional taken from your Contract Value or other assets and are not reflected in the Annual Fees below. If such fees were reflected, the annual costs of your Contract would be higher. | &nbsp;&nbsp; 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. Advisory fees for services provided by your financial professional taken from your Contract Value or other assets and are not reflected in the Annual Fees below. If such fees were reflected, the annual costs of your Contract would be higher. |
|  | &nbsp;&nbsp;**ANNUAL FEES** | &nbsp;&nbsp;**MINIMUM** | &nbsp;&nbsp;**MAXIMUM** |
|  | &nbsp;&nbsp;1. Base Contract | &nbsp;&nbsp;0.30%<sup>1</sup> | &nbsp;&nbsp;0.30%<sup>1</sup> |
|  | &nbsp;&nbsp;2. Investment Options (Fund fees and expenses) | &nbsp;&nbsp;0.28%<sup>2</sup> | &nbsp;&nbsp;2.54%<sup>2</sup> |
|  | &nbsp;&nbsp;3. Optional Benefits (for a single optional benefit, if elected) | &nbsp;&nbsp;0.20%<sup>3</sup> | &nbsp;&nbsp;1.65%<sup>3</sup> |
|  | &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>. | &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>. | &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>. |

---

**Lowest Annual Cost: $550.76** **Highest Annual Cost: $4,332.72** 

Assumes:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;●Investment
of $100,000 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 or advisory fees&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 &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 or advisory fees &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

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

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

<sup>3</sup> As a percentage of the Protected Payment Base, or Protected Base (depending on the optional living benefit selected) and average daily Variable Account Value (for an optional death benefit).

The current Annual Charge and Annual Credit are the following:

---

| | | |
|:---|:---|:---|
| **Rider Name** | **Annual Charge Percentage** | **Annual Credit Percentage** |
| Future Income Generator (Single) | 1.55% | 6.0% |
| Future Income Generator (Joint) | 1.65% | 6.0% |
| Enhanced Income Select 2 (Single) | 1.55% | 6.0% |
| Enhanced Income Select 2 (Joint) | 1.65% | 6.0% |

---

The current Withdrawal Percentages/Enhanced Income Percentages are the following:

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Age\*** | **Future Income** <br> **Generator (Single)** | **Future Income** <br> **Generator (Joint)** | **Enhanced Income<br> Select 2 (Single)** | **Enhanced Income<br> Select 2 (Joint)** |
| Before 59½ | 0% | 0% | 0% | 0% |
| 59½ | 4.30% | 3.80% | 6.10% | 5.60% |
| 60 | 4.30% | 3.80% | 6.10% | 5.60% |
| 61 | 4.30% | 3.80% | 6.10% | 5.60% |
| 62 | 4.30% | 3.80% | 6.10% | 5.60% |
| 63 | 4.30% | 3.80% | 6.10% | 5.60% |
| 64 | 4.30% | 3.80% | 6.10% | 5.60% |
| 65 | 5.85% | 5.35% | 9.00% | 8.50% |
| 66 | 5.85% | 5.35% | 9.00% | 8.50% |
| 67 | 5.85% | 5.35% | 9.00% | 8.50% |
| 68 | 5.85% | 5.35% | 9.00% | 8.50% |
| 69 | 5.85% | 5.35% | 9.00% | 8.50% |
| 70 | 6.00% | 5.50% | 9.25% | 8.75% |
| 71 | 6.00% | 5.50% | 9.25% | 8.75% |
| 72 | 6.00% | 5.50% | 9.25% | 8.75% |
| 73 | 6.00% | 5.50% | 9.25% | 8.75% |
| 74 | 6.00% | 5.50% | 9.25% | 8.75% |
| 75 | 6.05% | 5.55% | 9.25% | 8.75% |
| 76 | 6.05% | 5.55% | 9.25% | 8.75% |
| 77 | 6.05% | 5.55% | 9.25% | 8.75% |
| 78 | 6.05% | 5.55% | 9.25% | 8.75% |
| 79 | 6.05% | 5.55% | 9.25% | 8.75% |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| 80 | 6.10% | 5.60% | 9.25% | 8.75% |
| 81 | 6.10% | 5.60% | 9.25% | 8.75% |
| 82 | 6.10% | 5.60% | 9.25% | 8.75% |
| 83 | 6.10% | 5.60% | 9.25% | 8.75% |
| 84 | 6.10% | 5.60% | 9.25% | 8.75% |
| 85 | 6.10% | 5.60% | 9.25% | 8.75% |
| 86 | 6.10% | 5.60% | 9.25% | 8.75% |
| 87 | 6.10% | 5.60% | 9.25% | 8.75% |
| 88 | 6.10% | 5.60% | 9.25% | 8.75% |
| 89 | 6.10% | 5.60% | 9.25% | 8.75% |
| 90 | 6.10% | 5.60% | 9.25% | 8.75% |
| 91 | 6.10% | 5.60% | 9.25% | 8.75% |
| 92 | 6.10% | 5.60% | 9.25% | 8.75% |
| 93 | 6.10% | 5.60% | 9.25% | 8.75% |
| 94 | 6.10% | 5.60% | 9.25% | 8.75% |
| 95 and older | 6.10% | 5.60% | 9.25% | 8.75% |

---

\* The Age range that applies is based on the age of the Designated Life (Single) or the youngest Designated Life (Joint) at the time of the first withdrawal after age 59½ or the first withdrawal after an Automatic or Owner-Elected Reset occurs.

The current Guaranteed Lifetime Income Percentage is:

---

| | | |
|:---|:---|:---|
| **Age\*\*** | **Enhanced Income<br> Select 2 (Single)** | **Enhanced Income<br> Select 2 (Joint)** |
| Before 59½ | 0% | 0% |
| 59½ and older | 3.50% | 3.50% |

---

\*\* The Age range that applies based on the age of the Designated Life (Single) or the youngest Designated Life (Joint) at the time the Contract Value is reduced to zero.

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 (even if an Automatic Reset or Owner-Elected Reset occurs as described in the *Reset of Protected Payment Base* subsection within each Rider).

Subject to meeting the timelines referenced above, on the issue date, if during the 60 calendar day period current percentage rates have changed since the date you signed your application, the following will apply:

● If the Annual Credit Percentage <u>increased</u>, you will receive the higher percentage in effect on the issue date.

● If any Withdrawal Percentage or Enhanced Income Percentage <u>increased</u>, you will receive the higher percentages in effect on the issue date.

● If the Guaranteed Lifetime Income Percentage <u>increased</u>, you will receive the higher percentage in effect on the issue date.

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

However, for the <u>Future Income Generator</u>, if the Annual Credit and/or any Withdrawal Percentage decreased, or the Annual Charge Percentage increased, you will receive the Annual Credit, Withdrawal and Annual Charge Percentages in effect on the date you signed your application. For the <u>Enhanced Income Select 2</u>, if the Annual Credit, any Enhanced Income Percentage and/or Guaranteed Lifetime Income Percentage decreased, or the Annual Charge Percentage increased, you will receive the Annual Credit, Enhanced Income, Guaranteed Lifetime Income and 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.

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

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 current Annual Charges are the following:

---

| | |
|:---|:---|
| **Rider Name** | **Annual Charge Percentage** |
| Investment Guard (5 Year Option) – 10% Buffer | 0.55% |
| Investment Guard (7 Year Option) – 10% Buffer | 0.40% |
| Investment Guard (7 Year Option) – 15% Buffer | 0.55% |
| Investment Guard (10 Year Option) – 10% Buffer | 0.20% |
| Investment Guard (10 Year Option) – 15% Buffer | 0.30% |
| Investment Guard (10 Year Option) – 20% Buffer | 0.40% |

---

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. ODY13RSS1125

**Supplement dated October 9, 2025, to the Statutory Prospectus, Updating Summary Prospectus, and Initial Summary Prospectus dated May 1, 2025 for the following variable annuity policies:**

---

| |
|:---|
| &nbsp;&nbsp; **<u>Issued by Pacific Life Insurance Company</u>** |
| &nbsp;&nbsp; Pacific Odyssey (Offered on and after October 1, 2013)<br> Pacific Odyssey Advantage |

---

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

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

***<u>The Maximum Total Purchase Payments row from the table in the Initial Summary Prospectus, under the heading BUYING THE CONTRACT,</u> <u>will be deleted and replaced.</u>***

---

| | |
|:---|:---|
| Maximum Total Purchase Payments | Your Contract requires that you must obtain our consent before making an initial or additional Purchase Payment that will bring your aggregate Purchase Payments over $1,000,000. Currently, our administrative practice allows for aggregate Purchase Payments up to $2,000,000 up to an issue age of 85 ($1,000,000 for applicants between the ages of 86 and 90) without our consent. We reserve the right to change this administrative practice in the future. The aggregate amount is based on all contracts where you are either the owner and/or annuitant. |

---

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

We reserve the right to reject additional Purchase Payments. Your Contract requires that you must obtain our consent before making an initial or additional Purchase Payment that will bring your aggregate Purchase Payments over $1,000,000. Currently, our administrative practice allows for aggregate Purchase Payments up to $2,000,000 for up to an issue age of 85 ($1,000,000 for applicants ages 86-90). We reserve the right to change this administrative practice in the future. For purposes of this limit, the aggregate purchase payments are based on all contracts for which you are either owner and/or annuitant.

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

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

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Investment Objective** | &nbsp;&nbsp;**Fund**; Advisor (Subadvisor) | &nbsp;&nbsp;**Average Annual Total Returns**<br> **(as of 12/31/2024)** | &nbsp;&nbsp;**Average Annual Total Returns**<br> **(as of 12/31/2024)** | &nbsp;&nbsp;**Average Annual Total Returns**<br> **(as of 12/31/2024)** |
|  |  | &nbsp;&nbsp;**1 Year** | &nbsp;&nbsp;**5 Year** | &nbsp;&nbsp;**10 Year** |
| &nbsp;&nbsp;This Fund seeks capital appreciation. | &nbsp;&nbsp;**Pacific Select Fund Capital Appreciation Portfolio Class I**; Pacific Life Fund Advisors LLC (T. Rowe Price Associates, Inc.)&nbsp;&nbsp;0.95%<sup>1</sup> | &nbsp;&nbsp;NA | &nbsp;&nbsp;NA | &nbsp;&nbsp;NA |

---

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

***<u>For Odyssey (Offered on or after October 1, 2013) Contracts Effective November 3, 2025, the</u>* <u>allowable Investment Options in the LIVING BENEFIT ALLOCATION REQUIREMENTS section in the APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT *is amended to add the following Allowable Investment Option* as an eligible allocation for all Living Benefit Riders*:*</u>**

PSF Capital Appreciation Portfolio

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

● The Subadvisor for the Pacific Select Fund Small-Cap Growth will change from MFS Investment Management to Goldman Sachs Asset Management L.P ("GSAM").

● All references to the name Macquarie VIP Asset Strategy Series will change to Nomura VIP Asset Strategy Series.

● All references to the name Macquarie VIP Energy Series will change to Nomura VIP Energy Series.

All other references in the prospectus to the names Macquarie VIP Asset Strategy Series and Macquarie VIP Energy Series will change to Nomura VIP Asset Strategy Series and Nomura VIP Energy Series, respectively.

ODYADVSUPP1025

Prospectus

[(Included in Registrant's Form N-4, File No. 333-185326 Accession No. 0001104659-25-038472 filed on April 24, 2025, and incorporated by reference herein.)](https://www.sec.gov/ix?doc=/Archives/edgar/data/935823/000110465925038472/tm255205d1_485bpos.htm)

------

SAI

[(Included in Registrant's Form N-4, File No. 333-185326 Accession No. 0001104659-25-038472 filed on April 24, 2025, and incorporated by reference herein.)](https://www.sec.gov/ix?doc=/Archives/edgar/data/935823/000110465925038472/tm255205d1_485bpos.htm)

------

#### Part II

#### PART C: OTHER INFORMATION (Pacific Odyssey (2013))

#### 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/935823/0000898430-96-001377-index.html](https://www.sec.gov/Archives/edgar/data/935823/0000898430-96-001377-index.html) |
| (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); 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) |
| (c) | Distribution Agreement between Pacific Life Insurance Company, Pacific Life & Annuity Company and Pacific Select Distributors, LLC (PSD) (Amended and Restated); 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_1ex99d3dc.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465917024829/a17-7673_1ex99d3dc.htm) |
| (4) | **Contracts** |
| (a) | Individual Flexible Premium Deferred Variable Annuity Contract (Form No. 10-17800); included in Registrant's Form N-4, File No. 333-53040, Accession No. 0001193125-03-014157 filed on June 27, 2003 and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312503014157/dex994a2.txt](https://www.sec.gov/Archives/edgar/data/935823/000119312503014157/dex994a2.txt) |
| (b) | 403(b) Tax-Sheltered Annuity Rider (Form No. ICC12:20-1270); included in Registration Statement on Form N-4, File No. 333-185326, Accession No. 0000950123-13-000796 filed on February 5, 2013, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000095012313000796/a30065a1exv99wx4yxby.htm](https://www.sec.gov/Archives/edgar/data/935823/000095012313000796/a30065a1exv99wx4yxby.htm) |

---

------

(c) Section 457 Plan Rider
(Form No. ICC12:20-1271); included in Registration Statement on Form N-4, File No. 333-185326, Accession
No. 0000950123-13-000796 filed on February 5, 2013, and incorporated by reference herein. This exhibit
can be found at [http://www.sec.gov/Archives/edgar/data/935823/000095012313000796/a30065a1exv99wx4yxcy.htm](https://www.sec.gov/Archives/edgar/data/935823/000095012313000796/a30065a1exv99wx4yxcy.htm)

(d) Individual Retirement Annuity Rider (Form No. ICC12:20-1266); included in Registration
Statement on Form N-4, File No. 333-185326, Accession No. 0000950123-13-000796 filed on February 5, 2013,
and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000095012313000796/a30065a1exv99wx4yxdy.htm](https://www.sec.gov/Archives/edgar/data/935823/000095012313000796/a30065a1exv99wx4yxdy.htm)

(e) Roth Individual Retirement Annuity Rider (Form No. ICC12:20-1267); included in
Registration Statement on Form N-4, File No. 333-185326, Accession No. 0000950123-13-000796 filed on
February 5, 2013, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000095012313000796/a30065a1exv99wx4yxey.htm](https://www.sec.gov/Archives/edgar/data/935823/000095012313000796/a30065a1exv99wx4yxey.htm)

(f) SIMPLE Individual Retirement Annuity Rider (Form No. ICC12:20-1268); included
in Registration Statement on Form N-4, File No. 333-185326, Accession No. 0000950123-13-000796 filed
on February 5, 2013, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000095012313000796/a30065a1exv99wx4yxfy.htm](https://www.sec.gov/Archives/edgar/data/935823/000095012313000796/a30065a1exv99wx4yxfy.htm)

(g) Qualified Retirement Plan Rider (Form No. ICC12:20-1269); included in Registration
Statement on Form N-4, File No. 333-185326, Accession No. 0000950123-13-000796 filed on February 5, 2013,
and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000095012313000796/a30065a1exv99wx4yxgy.htm](https://www.sec.gov/Archives/edgar/data/935823/000095012313000796/a30065a1exv99wx4yxgy.htm)

(h) 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)

(i) Guaranteed Withdrawal Benefit XII Rider-Single Life (Form No. ICC12:20-1256);
included in Registration Statement on Form N-4, File No. 333-185326, Accession No. 0000950123-12-013639
filed on December 7, 2012 and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000095012312013639/a30065n4exv99wx4yxiy.htm](https://www.sec.gov/Archives/edgar/data/935823/000095012312013639/a30065n4exv99wx4yxiy.htm)

(j) Guaranteed Withdrawal Benefit XII Rider-Joint Life (Form No. ICC12:20-1257); included
in Registration Statement on Form N-4, File No. 333-185326, Accession No. 0000950123-12-013639 filed
on December 7, 2012 and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000095012312013639/a30065n4exv99wx4yxjy.htm](https://www.sec.gov/Archives/edgar/data/935823/000095012312013639/a30065n4exv99wx4yxjy.htm)

(k) Guaranteed Withdrawal Benefit X Rider-Single Life (Form No. ICC12:20-1258); included
in Registration Statement on Form N-4, File No. 333-53040, Accession No. 0000950123-13-002336 filed on
April 18, 2013 and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000095012313002336/a30004bexv99wx4yxjjy.htm](https://www.sec.gov/Archives/edgar/data/935823/000095012313002336/a30004bexv99wx4yxjjy.htm)

(l) Guaranteed Withdrawal Benefit X Rider-Joint Life (Form No. ICC12:20-1259); included
in Registration Statement on Form N-4, File No. 333-53040, Accession No. 0000950123-13-002336 filed on
April 18, 2013 and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000095012313002336/a30004bexv99wx4yxkky.htm](https://www.sec.gov/Archives/edgar/data/935823/000095012313002336/a30004bexv99wx4yxkky.htm)

(m) Guaranteed Withdrawal Benefit XIII Rider (Form No. ICC12:20-1263); included in
Registration Statement on Form N-4, File No. 333-185326, Accession No. 0000950123-12-013639 filed on
December 7, 2012 and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000095012312013639/a30065n4exv99wx4yxmy.htm](https://www.sec.gov/Archives/edgar/data/935823/000095012312013639/a30065n4exv99wx4yxmy.htm)

------

(n) Guaranteed Minimum Accumulation Benefit Rider (Form No. ICC12:20-1254); included
in Registration Statement on Form N-4, File No. 333-185326, Accession No. 0000950123-12-013639 filed
on December 7, 2012 and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000095012312013639/a30065n4exv99wx4yxny.htm](https://www.sec.gov/Archives/edgar/data/935823/000095012312013639/a30065n4exv99wx4yxny.htm)

(o) Stepped-Up Death Benefit Rider (Form No. 20-13500); included in Registrant's
Form N-4, File No. 333-53040, Accession No. 0001017062-00-002612 filed on December 29, 2001 and incorporated
by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000101706200002612/0001017062-00-002612-0014.txt](https://www.sec.gov/Archives/edgar/data/935823/000101706200002612/0001017062-00-002612-0014.txt)

(p) Guaranteed Withdrawal Benefit XV Rider — Single Life (Form No. ICC12:20-1501);
Included in Registration Statement on Form N-4, File No. 333-185326, Accession No. 0001193125-16-460306
filed on February 12, 2016 and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312516460306/d11525dex994p.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312516460306/d11525dex994p.htm)

(q) Guaranteed Withdrawal Benefit XV Rider — Joint Life (Form No. ICC12:20-1502);
Included in Registration Statement on Form N-4, File No. 333-185326, Accession No. 0001193125-16-460306
filed on February 12, 2016 and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312516460306/d11525dex994q.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312516460306/d11525dex994q.htm)

(r) Guaranteed Withdrawal Benefit XXI Rider – Single Life (Form No. ICC18:20-1425);
included in Registrant's Form N-4, File No. 333-185326, Accession No . 0001104659-18-007887
filed on February 9, 2018, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465918007887/a18-5515_1ex99d4dr.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465918007887/a18-5515_1ex99d4dr.htm)

(s) Guaranteed Withdrawal Benefit XXI Rider – Joint Life (Form No. ICC18:20-1426);
included in Registrant's Form N-4, File No. 333-185326, Accession No . 0001104659-18-007887
filed on February 9, 2018, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465918007887/a18-5515_1ex99d4ds.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465918007887/a18-5515_1ex99d4ds.htm)

(t) Guaranteed Minimum Accumulation Benefit Rider (Protected Investment Benefit (5
Year Option)) (Form No. 20-1354); included in Registrant's Form N-4, File No. 333-185326, Accession
No. 0001104659-19-035850 filed on June 17, 2019, and incorporated by reference herein. This exhibit can
be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465919035850/a19-11226_1ex99d4t.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465919035850/a19-11226_1ex99d4t.htm)

(u) Guaranteed Minimum Accumulation Benefit Rider (Protected Investment Benefit (10
Year Option)) (Form No. 20-1355); included in Registrant's Form N-4, File No. 333-185326, Accession
No. 0001104659-19-035850 filed on June 17, 2019, and incorporated by reference herein. This exhibit can
be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465919035850/a19-11226_1ex99d4u.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465919035850/a19-11226_1ex99d4u.htm)

(v) Guaranteed
Withdrawal Benefit XXIII Rider-Single Life (Enhanced Income Select 2) (Form No. ICC20:20-1021); included
in Registrant's Form N-4, File No. 333-236927, Accession No. 0001104659-20-029802 filed on 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_1ex99d4h.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465920029802/a20-11372_1ex99d4h.htm)

(w) Guaranteed
Withdrawal Benefit XXIII Rider-Joint Life (Enhanced Income Select 2) (Form No. ICC12:20-1022); included
in Registrant's Form N-4, File No. 333-236927, Accession No. 0001104659-20-029802 filed on 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_1ex99d4i.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465920029802/a20-11372_1ex99d4i.htm)

------

(x) Guaranteed Withdrawal
Benefit XXII Rider-Single Life (Future Income Generator) (Form No. ICC19:20-1427); included in Registrant's
Form N-4, File No. 333-236927, Accession No. 0001104659-20-029802 filed on 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_1ex99d4j.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465920029802/a20-11372_1ex99d4j.htm)

(y) Guaranteed
Withdrawal Benefit XXII Rider-Joint Life (Future Income Generator) (Form No. ICC19:20-1428); included
in Registrant's Form N-4, File No. 333-236927, Accession No. 0001104659-20-029802 filed on 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_1ex99d4k.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465920029802/a20-11372_1ex99d4k.htm)

(z) Guaranteed
Minimum Accumulation Benefit Rider (Investment Guard 5-Year. 10%) (Form No. ICC22:20-1356-B); included
in Registrant's Form N-4, File No. 333-185326, Accession No. 0001104659-22-077967 filed on July 7,
2022 and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465922077967/a22-20179_1ex99d4z.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465922077967/a22-20179_1ex99d4z.htm)

(aa) Guaranteed
Minimum Accumulation Benefit Rider (Investment Guard 7-Year. 10%) (Form No. ICC22:20-1357-B); included
in Registrant's Form N-4, File No. 333-185326, Accession No. 0001104659-22-077967 filed on July 7,
2022 and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465922077967/a22-20179_1ex99d4aa.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465922077967/a22-20179_1ex99d4aa.htm)

(bb) Guaranteed
Minimum Accumulation Benefit Rider (Investment Guard 7-Year. 15%) (Form No. ICC22:20-1358-B); included
in Registrant's Form N-4, File No. 333-185326, Accession No. 0001104659-22-077967 filed on July 7,
2022 and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465922077967/a22-20179_1ex99d4bb.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465922077967/a22-20179_1ex99d4bb.htm)

(cc) Guaranteed
Minimum Accumulation Benefit Rider (Investment Guard 10-Year. 10%) (Form No. ICC22:20-1359-B); included
in Registrant's Form N-4, File No. 333-185326, Accession No. 0001104659-22-077967 filed on July 7,
2022 and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465922077967/a22-20179_1ex99d4cc.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465922077967/a22-20179_1ex99d4cc.htm)

(dd) Guaranteed
Minimum Accumulation Benefit Rider (Investment Guard 10-Year. 15%) (Form No. ICC22:20-1360-B); included
in Registrant's Form N-4, File No. 333-185326, Accession No. 0001104659-22-077967 filed on July 7,
2022 and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465922077967/a22-20179_1ex99d4dd.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465922077967/a22-20179_1ex99d4dd.htm)

(ee) Guaranteed
Minimum Accumulation Benefit Rider (Investment Guard 10-Year. 20%) (Form No. ICC22:20-1361-B); included
in Registrant's Form N-4, File No. 333-185326, Accession No. 0001104659-22-077967 filed on July 7,
2022 and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465922077967/a22-20179_1ex99d4ee.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465922077967/a22-20179_1ex99d4ee.htm)

(5) **Applications**

(a) Variable Annuity Application
(Form No. 25-17850); included in Registrant's Form N-4, File No. 333-53040, Accession No. 0000892569-06-000524
filed on April 17, 2006 and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000089256906000524/a12984exv99w5xayx3y.htm](https://www.sec.gov/Archives/edgar/data/935823/000089256906000524/a12984exv99w5xayx3y.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)

------

---

| | | |
|:---|:---|:---|
| (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** |
|  | Reinsurance Agreement with Union Hamilton; 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/d86009dex997b.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312515346562/d86009dex997b.htm) | Reinsurance Agreement with Union Hamilton; 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/d86009dex997b.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312515346562/d86009dex997b.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) | AllianceBernstein Variable Products Series Fund, 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-x8xc.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xc.htm) | AllianceBernstein Variable Products Series Fund, 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-x8xc.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xc.htm) |
| (d) | 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) |

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|  | (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) |
| (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) |

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|  | (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. 333-185326, Accession No. 0001104659-21-116234 filed on September 16, 2021, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465921116234/a21-27548_1ex99d8e6.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465921116234/a21-27548_1ex99d8e6.htm) |
| (f) | AllianceBernstein Investments, 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-x8xf.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xf.htm) | AllianceBernstein Investments, 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-x8xf.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xf.htm) |
| (g) | 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) |
| (h) | 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) |

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|  | (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) |
|  | (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 the Registrant's Form N-4, File No. 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) |
| (i) | 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) |
| (j) | 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 [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 [sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xj.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xj.htm) |

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|  | (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) |
| (k) | 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-x8xl.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xl.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-x8xl.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xl.htm) |
| (l) | 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) | 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-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) |
| (m) | 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) |
| (n) | 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) |
| (o) | 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) |
| (p) | 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) |

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| (q) | 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) |
|  | (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) |
| (r) | 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) |
| (s) | 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 [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 [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) |
| (t) | 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) |

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|  | (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) |
| (u) | 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) |
| (v) | (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) |
| (w) | 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. 333-168026, 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/a59729bexv99w8xwy.htm](https://www.sec.gov/Archives/edgar/data/935823/000095012312006432/a59729bexv99w8xwy.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. 333-168026, 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/a59729bexv99w8xwy.htm](https://www.sec.gov/Archives/edgar/data/935823/000095012312006432/a59729bexv99w8xwy.htm) |

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|:---|:---|:---|
|  | (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) |
|  | (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) |
| (x) | 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) |
| (y) | 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) |
| (z) | 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) |

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| | | |
|:---|:---|:---|
|  | (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) |
|  | (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) |
| (aa) | 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) |
| (bb) | 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) |
| (cc) | 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) |
| (dd) | 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) |

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| | | |
|:---|:---|:---|
|  | (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) |
| (ee) | 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) |
| (ff) | 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) |
| (gg) | 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) |
| (hh) | 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) |
| (ii) | 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) |
| (jj) | 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) |
| (kk) | 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) |

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|:---|:---|:---|
|  | (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) |
| (ll) | Service Agreement with Van Eck Securities Corporation; Included in Registrant's Form N-6, 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-6, 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) |
|  | (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) |
| (mm) | 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>|
| (nn) | 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) |

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| (oo) | 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) |
|  | (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 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/a21-3291_1ex99d8doo4.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465921054355/a21-3291_1ex99d8doo4.htm) |
| (pp) | 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) |
| (qq) | 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) |
| (rr) | 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) |

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|:---|:---|:---|
|  | (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) |
| (ss) | 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) |
| (tt) | 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) |
| (uu) | 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) |
| (vv) | 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) |

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|:---|:---|:---|
|  | (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) |
|  | (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) |
| (ww) | 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) |
| (xx) | 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) |
| (yy) | 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) |
| (zz) | 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) |

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| (aaa) | 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)  | 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)  | 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)  | 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) |
| (bbb) | 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) |
| (ccc) | 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) |
| (ddd) | 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) |
| (eee) | 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) |
| (fff) | 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) |
| (ggg) | **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)** |

---

------

(hhh) Service 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_1ex99dhhh.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465918075033/a18-41614_1ex99dhhh.htm)

---

| | |
|:---|:---|
| (9) | **Administrative Contracts** |
|  | Inapplicable |
| (10) | **Other Material Contracts** |
|  | Inapplicable |
| (11) | **Legal Opinion** |
|  | Opinion and Consent of legal officer of Pacific Life Insurance Company as to the legality of Contracts being registered; included in Registration Statement on Form N-4, File No. 333-185326, Accession No. 0000950123-12-013639 filed on December 7, 2012 and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000095012312013639/a30065n4exv99wx9y.htm](https://www.sec.gov/Archives/edgar/data/935823/000095012312013639/a30065n4exv99wx9y.htm) |
| (12) | **Other Opinions** |
|  | [Consent of Independent Registered Public Accounting Firm](tm2526887d3_ex99-x12.htm#s1) and [Consent of Independent Auditors](tm2526887d3_ex99-x12.htm#s2);  |
| (13) | **Omitted Financial Statements** |
|  | Inapplicable |
| (14) | **Initial Capital Agreements** |
|  | Inapplicable |
| (15) | **Powers of Attorney; included in Registrant's Form N-4, File No. 333-261003, Accession No.0001104659-25-077640, filed on August 13, 2025, and incorporated by reference herein. This exhibit can be found at [https://www.sec.gov/Archives/edgar/data/935823/000110465925077640/tm2523176d1_ex99-x15.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465925077640/tm2523176d1_ex99-x15.htm)** |
| (16) | **Form of Initial Summary Prospectus** |
|  | [Initial Summary Prospectus](tm2526887d3_ex99-x16.htm) |
|  | EX-101.SCH XBRL TAXONOMY EXTENSION SCHEMA |
|  | EX-101.DEF XBRL TAXONOMY EXTENSION DEFINITION LINKBASE |
|  | EX-101.LAB XBRL TAXONOMY EXTENSION LABEL LINKBASE |
|  | EX-101.PRE XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE |

---

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

------

---

| | |
|:---|:---|
| **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 |
| Dawn M. Behnke | Director and 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

---

| | | |
|:---|:---|:---|
| | **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 |
| 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 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 |
| 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 |
| 6700 PCH Owner, LLC | Delaware | 90 |
| PL Chapter Michigan Member, LLC | Delaware | 100 |
| Chapter at Ann Arbor JV, LLC | Delaware | 90 |
| Chapter at Ann Arbor, 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 |

---

#### LEGAL STRUCTURE
__________________________________

# = 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:

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 certifies that it meets the requirements of Securities Act Rule 485(a) for effectiveness of this Registration Statement and has caused this Post-Effective Amendment No. 34 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 9<sup>th</sup> day of October, 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, Chief Executive Officer |

---

Pursuant to the requirements of the Securities Act of 1933, this Post-Effective Amendment No. 34 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 | October 9, 2025 |
| Darryl D. Button\* | Darryl D. Button\* | Director, Chairman, President, and Chief Executive Officer |  |
|  |  | Director, Executive Vice President and Chief Financial Officer | October 9, 2025 |
| Vibhu R. Sharma\* | Vibhu R. Sharma\* | Director, Executive Vice President and Chief Financial Officer |  |
|  |  | Director, Executive Vice President, General Counsel and Assistant Secretary | October 9, 2025 |
| Jason Orlandi\* | Jason Orlandi\* | Director, Executive Vice President, General Counsel and Assistant Secretary |  |
|  |  | Vice President and Secretary | October 9, 2025 |
| Starla C. Yamauchi\* | Starla C. Yamauchi\* | Vice President and Secretary |  |
|  |  | Senior Vice President and Chief Accounting Officer | October 9, 2025 |
| Carol J. Krosky\* | Carol J. Krosky\* | Senior Vice President and Chief Accounting Officer |  |
|  |  | Executive Vice President | October 9, 2025 |
| Dawn M. Behnke\* | Dawn M. Behnke\* | Executive Vice President |  |
|  |  | Senior Vice President and Treasurer | October 9, 2025 |
| Craig W. Leslie\* | Craig W. Leslie\* | Senior Vice President and Treasurer |  |
| \*By: | /s/ ALISON RYAN |  | October 9, 2025 |
|  | Alison Ryan |  |  |
|  | as attorney-in-fact |  |  |

---

<br> [(Powers of Attorney are contained in Registrant's Form N-4 File No. 333-261003, Accession Number 0001104659-25-077640 filed on August 13, 2025, as Exhibit 15.)](https://www.sec.gov/Archives/edgar/data/935823/000110465925077640/tm2523176d1_ex99-x15.htm)

------

## Ex-99.(12)

**Exhibit 99.(12)**

**CONSENT OF THE INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM**

We consent to the incorporation by reference in this Post-Effective Amendment to Registration Statement No. 333-185326 on Form N-4 of our report dated March 12, 2025, relating to the financial statements and financial highlights for each of the variable accounts of Separate Account A of Pacific Life Insurance Company for the year ended December 31, 2024, incorporated by reference in the Statement of Additional Information, which is incorporated by reference in such Registration Statement and to the reference to us under the heading "Independent Registered Public Accounting Firm and Independent Auditors" in the Statement of Additional Information, which is incorporated by reference in such Registration Statement.

/s/ DELOITTE & TOUCHE LLP

Costa Mesa, California

October 9, 2025

**CONSENT** **OF INDEPENDENT AUDITORS**

We consent to the incorporation by reference in this Post-Effective Amendment to the Registration Statement No. 333-185326 on Form N-4 of our report dated March 17, 2025 related to the statutory-basis financial statements of Pacific Life Insurance Company as of December 31, 2024 and 2023, and for each of the three years in the period ended December 31, 2024, incorporated by reference in the Statement of Additional Information, which is incorporated by reference in such Registration Statement, and to the reference to us under the heading "Independent Registered Public Accounting Firm and Independent Auditors" in the Statement of Additional Information, which is incorporated by reference in such Registration Statement.

/s/ DELOITTE & TOUCHE LLP

Costa Mesa, California

October 9, 2025

## Ex-99.(16)

**Exhibit 99.(16)**

**INITIAL SUMMARY PROSPECTUS FOR NEW INVESTORS**

**MAY 1, 2025, as amended November 3, 2025**

**PACIFIC ODYSSEY (Offered on and after October 1, 2013)**

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

This summary prospectus summarizes key features of Pacific Odyssey, 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, 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** |
| **LIVING BENEFIT INVESTMENT ALLOCATION REQUIREMENTS** | **32** |

---

**SPECIAL TERMS**

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

**Annuitant** – A person on whose life annuity payments may be determined. An Annuitant's life may also be used to determine certain increases in death benefits, and to determine the Annuity Date. A Contract may name a single ("sole") Annuitant or two ("Joint") Annuitants, and may also name a "Contingent" Annuitant. If you name Joint Annuitants or a Contingent Annuitant, "the Annuitant" means the sole surviving Annuitant, unless otherwise stated.

**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.

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

**Beneficiary** – A person who may have a right to receive the death benefit payable upon the death of the Annuitant or a Contract Owner prior to the Annuity Date, or may have a right to receive remaining guaranteed annuity payments, if any, if the Annuitant dies after the Annuity Date.

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

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

**Contingent Annuitant** – A person, if named in your Contract, who will become your sole surviving Annuitant if your existing sole Annuitant should die before your Annuity Date.

**Contract** – A Pacific Odyssey 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, 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.

**Earnings** – As of the end of any Business Day, your Earnings equal your Contract Value less your aggregate Purchase Payments, which are reduced by withdrawals of prior Investments.

**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 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.

**Qualified Plan** – A retirement plan that receives favorable tax treatment under Section 401, 403, 408, 408A or 457 of the Code.

**SEC** – Securities and Exchange Commission.

**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 Variable Investment Options.

**Variable Investment Option** – An investment division of the Separate Account. Each Variable Investment Option invests its assets in the shares of a corresponding Fund.

**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.

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. There are no withdrawal charges associated with the Contract. However, if you take a withdrawal, you may have to pay income taxes, including a 10% federal tax penalty if you are younger than age 59½. Withdrawals (including advisory fee withdrawals) may reduce the death benefit or a guaranteed living benefit, potentially by more than the amount withdrawn, and could result in in the termination of a living benefit.

**Advisory Fee Withdrawals.** Withdrawals may be made from the Contract to pay for advisory fees to your financial professional. Withdrawals from your Contract to pay advisory fees (regardless of percentage or amount withdrawn) reduce the Contract Value by the withdrawal amount. These withdrawals will immediately reduce the death benefit amount under your Contract and may impact the benefits provided by an optional death benefit rider and/or an optional living benefit rider. The withdrawals may also be subject to federal and state income taxes and a 10% federal tax penalty.

**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 return. Therefore, the net amount of annualized interest you will pay on your loan will be 2%. See the **Benefits Available Under the Contract** section and **Qualified Contract - General Rules** section for more information

**Tax Treatment**. You may transfer Contract Value among the Funds without paying any current income tax and any earnings are generally tax-deferred. You are subject to tax and potential tax penalties 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 in the event of the Annuitant's death during the accumulation phase. The Death Benefit Amount for the standard death benefit is the greater of the Contract Value or the Total Adjusted Purchase Payments. For an additional cost, you may purchase an optional death benefit, which can increase the amount of money payable to your Beneficiaries. The riders that are currently available are:

● **Stepped-Up Death Benefit** 

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

**Living Benefits**. You may purchase an optional guaranteed minimum withdrawal benefit and guaranteed minimum accumulation benefit rider, for an additional cost. The guaranteed minimum withdrawal benefit riders focus on providing an income stream for life through withdrawals up to an annual limit 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:

● **Future Income Generator (Single and Joint)** 

● **Enhanced Income Select 2 (Single and Joint)** 

● **CoreIncome Advantage Select (Single and Joint)** 

● **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 riders, see the **BENEFITS AVAILABLE UNDER THE CONTRACT**, **Optional Living Benefit Riders**, and **APPENDIX: OPTIONAL RIDER NOT AVAILABLE FOR PURCHASE** sections.

**Additional Services**. You can have only one 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.

● **Dollar Cost Averaging**. Allows you to transfer between Variable Investment Options in a series of regular transfers.

● **Portfolio Rebalancing**. Allows you to automatically rebalance your values among Variable Investment Options based on percentages that you specify, on a quarterly, semi-annual, or annual basis.

● **Earnings Sweep**. Allows you to make automatic periodic transfers of your earnings (if any) from the Fidelity VIP Government Money Market Fund to one or more other Variable Investment Options.

● **Pre-Authorized Withdrawals.** Allows you to automatically take partial withdrawals from the Contract.

For more information, including restrictions, see the **BENEFITS AVAILABLE UNDER THE CONTRACT** section.

If you have any questions about the benefits or services that apply to your Contract, 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 Odyssey individual flexible premium deferred variable annuity contract.</u>* 

---

| | | |
|:---|:---|:---|
| &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?** | &nbsp;&nbsp;**No.** There are no withdrawal charges. | &nbsp;&nbsp;**Fee Tables** |
| &nbsp;&nbsp;**Are There Transaction Charges?** | &nbsp;&nbsp; **Yes.** Taking a loan, where allowable will result in loan interest charges**.**<br>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). Advisory fees and other charges may be deducted from Contract Value to pay your financial intermediary. | &nbsp;&nbsp;&nbsp; **Fee Tables**<br>**Withdrawals – Optional Withdrawals – Withdrawals to Pay Advisory Fees** |
| &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. Loans under the Contract, if available, are charged interest. Advisory fees for services provided by your financial professional taken from your Contract Value or other assets and are not reflected in the Annual Fees below. If such fees were reflected, the annual costs of your Contract would be higher. | &nbsp;&nbsp;&nbsp; **Fee Tables**<br>**Charges Fees and Adjustments**<br>**Appendix: Investment Options Available Under the Contract**  |

---

**Lowest Annual Cost: See Rate Sheet Prospectus Supplement** **Highest Annual Cost: See Rate Sheet Prospectus Supplement**

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 or advisory fees&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 or advisory fees &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

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

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

<sup>3</sup> As a percentage of the Protected Payment Base, or Protected Base (depending on the optional living benefit selected) and average daily Variable Account Value (for an optional death benefit).

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**RISKS** | &nbsp;&nbsp;**RISKS** | &nbsp;&nbsp;**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. Amounts withdrawn from the Contract may result in taxes and tax penalties.<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** |
| &nbsp;&nbsp;**What Are the Risks Associated with the Investment** | &nbsp;&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).<br>Each Investment Option will have its own unique risks. | &nbsp;&nbsp;&nbsp; **Principal Risks of Investing in the Contract**<br>**Appendix:** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**RISKS** | &nbsp;&nbsp;**RISKS** | &nbsp;&nbsp;**LOCATION IN<br> PROSPECTUS** |
| &nbsp;&nbsp; **Options?** | &nbsp;&nbsp; You should review, working with your financial professional, the Investment Options 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, 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** |

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|:---|:---|:---|
| &nbsp;&nbsp;**RESTRICTIONS** | &nbsp;&nbsp;**RESTRICTIONS** | &nbsp;&nbsp;**LOCATION IN<br> PROSPECTUS** |
| &nbsp;&nbsp; **Are There Limits on the Investment Options?** | &nbsp;&nbsp; **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. Additional Fund transfer restrictions apply.<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. | &nbsp;&nbsp;&nbsp; **Transfers and Market-Timing Restrictions**<br>**Additional Information-Changes to All Contracts**<br>**Appendix: Investment Options Available Under the Contract**  |
| &nbsp;&nbsp; **Are There Any Restrictions on Contract Benefits?** | &nbsp;&nbsp; **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>If you elect to pay advisory fees from Contract Value, advisory fee withdrawals may significantly reduce the death benefit and other guaranteed benefits, potentially by more than the amount withdrawn and could terminate a living benefit, and may be subject to taxes and tax penalties. | &nbsp;&nbsp;&nbsp; **Death Benefits and Optional Death Benefit Riders**<br>**Withdrawals – Optional Withdrawals – Withdrawals to Pay Advisory Fees**<br>**Optional Living Benefit Riders**<br>**Appendix: Investment Options Available Under the Contract**  |

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**TAXES** | &nbsp;&nbsp;**TAXES** | &nbsp;&nbsp;**LOCATION IN<br> PROSPECTUS** |
| &nbsp;&nbsp;**What Are the** | &nbsp;&nbsp; You should consult with a tax professional to determine the tax implications of an | &nbsp;&nbsp; **Federal Tax** |

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

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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 advisory fees, 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. | &nbsp;&nbsp;**Distribution Arrangements** |
| &nbsp;&nbsp;**Should I Exchange My Contract?** | &nbsp;&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. | &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 you to transfer between Variable Investment Options in a series of regular transfers. | No Charge | ● 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> ● We may discontinue, modify, or suspend this service at any time. |
| 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 | ● 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. |
| Death Benefit Amount | Provides a death benefit equal to the greater of the Net Contract Value or total Purchase Payments adjusted for withdrawals. | No Charge | ● Poor investment performance could reduce the death benefit amount.<br> ● Withdrawals (including withdrawals to pay advisory fees) will reduce the death benefit amount and adjust the total amount The reduction may be greater than the amount withdrawn.<br> ● This benefit terminates upon annuitization. |

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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. |
| Advisory Fee Withdrawals | Allows you to pay third-party advisory fees from Contract Value in the form of withdrawals from the Contract. | No Charge | ● Advisory fees are in addition to Contract fees and charges.<br> ● 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> ● We may discontinue, modify, or suspend this service at any time.<br> ● Before taking advisory fee withdrawals, discuss with your financial professional the impact to your Contract and its benefits. |

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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** |
| Future Income Generator (Single) | This benefit focuses on providing guaranteed lifetime periodic withdrawals, regardless of market performance, on a single life (the Designated Life). Provides for an amount to be added to the protected amount, which may increase the amount you can withdraw in future years. | 2.50% (as a percentage of Protected Payment Base) | ● Available only at Contract purchase.<br> ● Designated Life 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 starting at age 59½.<br> ● An Annual Credit amount that may be added to the protected amount stops on the earliest of the first withdrawal or 10 Contract Anniversaries.<br> ● Taking a withdrawal before age 59 ½ or withdrawal amounts that are greater than what is allowed on an annual basis after age 59 ½ may reduce the benefit by more than the amount withdrawn and may |

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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** |
|  |  |  | 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. |
| Future Income Generator (Joint) | This benefit focuses on providing guaranteed lifetime periodic withdrawals, regardless of market performance, on joint lives (the Designated Lives). Provides for an amount to be added to the protected amount, which may increase the amount you can withdraw in future years. | 2.75% (as a percentage of Protected Payment Base) | ● Available only at Contract purchase.<br> ● 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 59½.<br> ● An Annual Credit amount that may be added to the protected amount stops on the earlier of the first withdrawal or 10 Contract Anniversaries.<br> ● Taking a withdrawal before the youngest Designated Life is age 59½ or withdrawal amounts that are greater than what is allowed on an annual basis after the youngest Designated Life is age 59 ½ 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. |
| Enhanced Income Select 2 (Single) | This benefit focuses on providing guaranteed lifetime periodic withdrawals, regardless of market performance, on a single life (the Designated Life). Provides for an amount to be added to the protected amount, which may increase the amount you can withdraw in future | 2.50% (as a percentage of Protected Payment Base) | ● Available only at Contract purchase.<br> ● Designated Life 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 |

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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** |
|  | years. |  | of allowable Investment Options.<br> ● Lifetime withdrawals are available starting at age 59½.<br> ● An Annual Credit amount that may be added to the protected amount stops on the earlier of the first withdrawal or 10 Contract Anniversaries.<br> ● Any unused allowable annual withdrawal amount may be carried over only to the next year.<br> ● Taking a withdrawal before age 59½ or withdrawal amounts that are greater than what is allowed on an annual basis after age 59 ½ 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. |
| Enhanced Income Select 2 (Joint) | This benefit focuses on providing guaranteed lifetime periodic withdrawals, regardless of market performance, on joint lives (the Designated Lives). Provides for an amount to be added to the protected amount, which may increase the amount you can withdraw in future years. | 2.75% (as a percentage of Protected Payment Base) | ● Available only at Contract purchase.<br> ● 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 59½.<br> ● An Annual Credit amount that may be added to the protected amount stops on the earlier of the first withdrawal or 10 Contract Anniversaries.<br> ● Any unused allowable annual withdrawal amount may only be carried over to the next year.<br> ● Taking a withdrawal before the youngest Designated Life is age 59½ or withdrawal amounts that are greater than what is allowed on an annual basis after the youngest Designated Life is age 59 ½ may reduce the benefit by more than the amount withdrawn and may terminate the rider. <br>● May not voluntarily terminate the rider.  |

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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** |
|  |  |  | <br> ● We reserve the right to reject and restrict additional Purchase Payments.<br> ● Benefit and benefit charges terminate upon annuitization. |
| 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) | ● 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. |
| 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 youngest Designated Life 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. |

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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** |
|  |  |  | <br> ● Taking a withdrawal before 65 or a withdrawal that exceeds the annual withdrawal amount after 65 may adversely affect the benefits provided, including failure to receive lifetime withdrawals under the rider.<br> ● May not voluntarily terminate the rider.<br> ● Benefit and benefit charges terminate upon annuitization. |
| 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) | ● 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> ● May choose only one Buffer Percentage and cannot change during the Term of the rider.<br> ● 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> ● Only Purchase Payments during the first year of the Term increase the Protected Base.<br> ● Withdrawals (including RMD withdrawals and withdrawals to pay advisory fees) 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. |
| Investment Guard (7-Year Option) – 10% Buffer and 15% 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 7-year term. | 3.50% (as a percentage of the Protected Base) | ● 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> ● May choose only one Buffer Percentage and cannot change during the Term of the rider.<br> ● 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 |

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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** |
|  |  |  | least 7 years before your selected Annuity Date.<br> ● Only Purchase Payments during the first year of the Term increase the Protected Base.<br> ● Withdrawals (including RMD withdrawals and withdrawals to pay advisory fees) 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. |
| Investment Guard (10-Year Option) – 10% Buffer, 15% Buffer, and 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) | ● 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> ● May choose only one Buffer Percentage and cannot change during the Term of the rider.<br> ● 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 Annuity Date.<br> ● Only Purchase Payments during the first year of the Term increase the Protected Base.<br> ● Withdrawals (including RMD withdrawals and withdrawals to pay advisory fees) 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. |

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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 | ● 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. |

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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** |
| 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 benefit. Provides for step-ups to increase the death benefit amount under this benefit. | 0.20% (as a percentage of average daily Variable Account Value) | ● Available only at contract purchase.<br> ● Withdrawals will reduce this benefit and the reduction made may be greater than the amount withdrawn.<br> ● Step-ups stop on the Contract Anniversary prior to the oldest owner or annuitant reaching age 81.<br> ● All Owners and Annuitants must be 75 or younger on the Contract Date.<br> ● This benefit and benefit charges terminate upon annuitization or when the Contract Value is reduced to zero.<br> ● May not voluntarily terminate the rider. |

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**BUYING THE CONTRACT**

To purchase a Contract, you must 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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|:---|:---|:---|
|  | &nbsp;&nbsp;Non-Qualified Contracts | &nbsp;&nbsp;Qualified Contracts |
| &nbsp;&nbsp;Minimum Initial Purchase Payment | &nbsp;&nbsp;$25000 | &nbsp;&nbsp;$25,000\* |
| &nbsp;&nbsp;Minimum Additional Purchase Payment | &nbsp;&nbsp;$250\* | &nbsp;&nbsp;$50\* |
| &nbsp;&nbsp;Maximum Total Purchase Payments | &nbsp;&nbsp; Your Contract requires that you must obtain our consent before making an initial or additional Purchase Payment that will bring your aggregate Purchase Payments over $1,000,000. Currently, our administrative practice allows for aggregate Purchase Payments up to $2,000,000 up to an issue age of 85 ($1,000,000 for applicants between the ages of 86 and 90) without our consent. We reserve the right to change this administrative practice in the future. The aggregate amount is based on all contracts where you are either the owner and/or annuitant. | &nbsp;&nbsp; Your Contract requires that you must obtain our consent before making an initial or additional Purchase Payment that will bring your aggregate Purchase Payments over $1,000,000. Currently, our administrative practice allows for aggregate Purchase Payments up to $2,000,000 up to an issue age of 85 ($1,000,000 for applicants between the ages of 86 and 90) without our consent. We reserve the right to change this administrative practice in the future. The aggregate amount is based on all contracts where you are either 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**

**Accumulation Phase**

You may, on or prior to your Annuity Date, withdraw all or a portion of the amount available under your Contract while the Annuitant 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.

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 rider charges, 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.

**Negative Impact on Benefit Values**

If you own a guaranteed minimum withdrawal benefit riders, taking a withdrawal before a certain age or a withdrawal that is greater than the allowed annual withdrawal amount under a rider, may result in adverse consequences such as a reduction in rider benefits, failure to receive lifetime withdrawals under the rider, or termination of the rider. For accumulation living benefit riders, withdrawals may reduce the protected amount more than the amount withdrawn. If you own a death benefit rider, taking a withdrawal may reduce the benefits provided by the benefit.

You assume investment risk by investing 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.**

**The fees and expenses below do not reflect an advisory fee paid to your financial professional, which are deducted from the Contract Value or other assets. If such charges are reflected, the fees and expenses would be higher.**

**Transaction Expenses**

Maximum Withdrawal Charge None

**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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|:---|:---|
| &nbsp;&nbsp;**Base Contract Expenses** (as a percentage of average daily Variable Account Value or Contract Value)<sup>1</sup> | 0.30% |
| &nbsp;&nbsp;**Optional Benefit Expenses** |  |
| &nbsp;&nbsp;*Guaranteed Minimum Withdrawal Benefit Maximum Charges* (as a percentage of the Protected Payment Base) |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Future Income Generator (Single)<sup>2</sup> | 2.50% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Future Income Generator (Joint)<sup>2</sup> | 2.75% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Enhanced Income Select 2 (Single)<sup>2</sup> | 2.50% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Enhanced Income Select 2 (Joint)<sup>2</sup> | 2.75% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;CoreIncome Advantage Select (Single) | 2.00% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;CoreIncome Advantage Select (Joint) | 2.50% |
| &nbsp;&nbsp;*Guaranteed Minimum Accumulation Benefit Maximum Charges* (as a percentage of the Protected Base) |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Investment Guard (5-Year Option) <sup>2</sup> | 3.50% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Investment Guard (7-Year Option) <sup>2</sup> | 3.50% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Investment Guard (10-Year Option) <sup>2</sup> | 3.50% |
| &nbsp;&nbsp; <br>*Death Benefit Maximum Charge* (as a percentage of average daily Variable Account Value) |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Stepped-Up Death Benefit | 0.20% |
| &nbsp;&nbsp;*Loan Expenses* |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Loan Interest Rate (gross)<sup>3</sup> | 5.00% |

---

<sup>1</sup> This percentage includes the Mortality and Expense Risk Charge and the Administrative Fee. The Mortality and Expense Risk Charge and the Administrative Fee will stop at the Annuity Date if you select fixed annuity payments. See the **Mortality and Expense Risk Charge** and **Administrative Fee** sections for more information.

<sup>2</sup> The current charge for new elections for these riders is disclosed in a Rate Sheet Prospectus Supplement.

<sup>3</sup> As a percentage of Contract Debt. Contract Debt is charged interest at a 5.00% fixed annual rate, and Contract Value held in the Loan Account to secure Contract Debt earns interest at a 3.00% fixed annual rate. The net amount of annualized interest charged on Contract Debt is 2.00%. 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.

---

| | |
|:---|:---|
| **Minimum** | **Maximum** |
| 0.28% | 2.54% |

---

**Examples**

This Example is intended to help you compare the cost of investing in the Variable Options with the cost of investing in variable 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. The Example does not account for withdrawals from your Contract Value or other assets to pay advisory fees. If these were included, your costs would be higher. Although your actual costs may be higher or lower, based on these assumptions, your costs would be:

● If you surrender or annuitize your Contract at the end of the applicable time period, or do *not* surrender your Contract:

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| | | | |
|:---|:---|:---|:---|
| **1 Year** | **3 Years** | **5 Years** | **10 Years** |
| $9419 | $28409 | $47542 | $95516 |

---

**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 fees 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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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Investment Objective** | &nbsp;&nbsp;**Fund**; Advisor (Subadvisor) | &nbsp;&nbsp;**Current<br> Expenses** | &nbsp;&nbsp;**Average Annual Total Returns <br> (as of 12/31/2024)** | &nbsp;&nbsp;**Average Annual Total Returns <br> (as of 12/31/2024)** | &nbsp;&nbsp;**Average Annual Total Returns <br> (as of 12/31/2024)** |
|  |  |  | &nbsp;&nbsp;**1 Year** | &nbsp;&nbsp;**5 Year** | &nbsp;&nbsp;**10 Year** |
| &nbsp;&nbsp;Provide you with a high level of current income. Its secondary investment objective is capital appreciation. | &nbsp;&nbsp;**American Funds IS American High-Income Trust Class 4**; Capital Research and Management Company℠ | &nbsp;&nbsp;0.83%<sup>1</sup> | &nbsp;&nbsp;9.39% | &nbsp;&nbsp;5.29% | &nbsp;&nbsp;5.06% |
| &nbsp;&nbsp;Provide high total return (including income and capital gains) consistent with preservation of capital over the long term. | &nbsp;&nbsp;**American Funds IS Asset Allocation Fund Class 4**; Capital Research and Management Company℠ | &nbsp;&nbsp;0.79% | &nbsp;&nbsp;16.11% | &nbsp;&nbsp;8.04% | &nbsp;&nbsp;8.05% |
| &nbsp;&nbsp;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. | &nbsp;&nbsp;**American Funds IS Capital Income Builder® Class 4**; Capital Research and Management Company℠ | &nbsp;&nbsp;0.78%<sup>1</sup> | &nbsp;&nbsp;9.93% | &nbsp;&nbsp;5.75% | &nbsp;&nbsp;5.17% |
| &nbsp;&nbsp;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. | &nbsp;&nbsp;**American Funds IS Capital World Bond Fund Class 4**; Capital Research and Management Company℠ | &nbsp;&nbsp;0.98% | &nbsp;&nbsp;-3.32% | &nbsp;&nbsp;-2.65% | &nbsp;&nbsp;-0.33% |
| &nbsp;&nbsp;Provide you with long-term growth of capital while providing current income. | &nbsp;&nbsp;**American Funds IS Capital World Growth and Income Fund Class 4**; Capital Research and Management Company℠ | &nbsp;&nbsp;0.92%<sup>1</sup> | &nbsp;&nbsp;13.70% | &nbsp;&nbsp;7.04% | &nbsp;&nbsp;8.17% |

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

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

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

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Investment Objective** | &nbsp;&nbsp;**Fund**; Advisor (Subadvisor) | &nbsp;&nbsp;**Average Annual Total Returns <br> (as of 12/31/2024)** | &nbsp;&nbsp;**Average Annual Total Returns <br> (as of 12/31/2024)** | &nbsp;&nbsp;**Average Annual Total Returns <br> (as of 12/31/2024)** |
|  |  | &nbsp;&nbsp;**1 Year** | &nbsp;&nbsp;**5 Year** | &nbsp;&nbsp;**10 Year** |
| &nbsp;&nbsp;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. | &nbsp;&nbsp;**Invesco® V.I. S&P 500 Buffer Fund - December Series II**; Invesco Advisers, Inc.&nbsp;&nbsp;0.96%<sup>1</sup> | &nbsp;&nbsp;13.73% | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A |
| &nbsp;&nbsp;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. | &nbsp;&nbsp;**Invesco® V.I. S&P 500 Buffer Fund - June Series II**; Invesco Advisers, Inc.&nbsp;&nbsp;0.96%<sup>1</sup> | &nbsp;&nbsp;13.76% | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A |
| &nbsp;&nbsp;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. | &nbsp;&nbsp;**Invesco® V.I. S&P 500 Buffer Fund - March Series II**; Invesco Advisers, Inc.&nbsp;&nbsp;0.96%<sup>1</sup> | &nbsp;&nbsp;13.06% | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A |
| &nbsp;&nbsp;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. | &nbsp;&nbsp;**Invesco® V.I. S&P 500 Buffer Fund - September Series II**; Invesco Advisers, Inc.&nbsp;&nbsp;0.96%<sup>1</sup> | &nbsp;&nbsp;10.02% | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Investment Objective** | &nbsp;&nbsp;**Fund**; Advisor (Subadvisor) | &nbsp;&nbsp;**Current<br> Expenses** | &nbsp;&nbsp;**Average Annual Total Returns <br> (as of 12/31/2024)** | &nbsp;&nbsp;**Average Annual Total Returns <br> (as of 12/31/2024)** | &nbsp;&nbsp;**Average Annual Total Returns <br> (as of 12/31/2024)** |
|  |  |  | &nbsp;&nbsp;**1 Year** | &nbsp;&nbsp;**5 Year** | &nbsp;&nbsp;**10 Year** |
| &nbsp;&nbsp;Seeks long-term capital growth, consistent with preservation of capital and balanced by current income. | &nbsp;&nbsp;**Janus Henderson Balanced Portfolio Service Shares**; Janus Henderson Investors US LLC | &nbsp;&nbsp;0.87% | &nbsp;&nbsp;15.15% | &nbsp;&nbsp;8.06% | &nbsp;&nbsp;8.40% |
| &nbsp;&nbsp;Maximum total return, consistent with preservation of capital. | &nbsp;&nbsp;**Janus Henderson Flexible Bond Portfolio Service Shares**; Janus Henderson Investors US LLC | &nbsp;&nbsp;0.82%<sup>1</sup> | &nbsp;&nbsp;1.63% | &nbsp;&nbsp;0.09% | &nbsp;&nbsp;1.35% |
| &nbsp;&nbsp;Seeks high current income and the opportunity for capital appreciation to produce a high total return. | &nbsp;&nbsp;**Lord Abbett Bond Debenture Portfolio Class VC**; Lord Abbett & Co. LLC | &nbsp;&nbsp;0.99% | &nbsp;&nbsp;6.72% | &nbsp;&nbsp;1.90% | &nbsp;&nbsp;3.73% |
| &nbsp;&nbsp;Seeks income and capital appreciation to produce a high total return. | &nbsp;&nbsp;**Lord Abbett Total Return Portfolio Class VC**; Lord Abbett & Co. LLC | &nbsp;&nbsp;0.71% | &nbsp;&nbsp;2.66% | &nbsp;&nbsp;0.11% | &nbsp;&nbsp;1.50% |
| &nbsp;&nbsp;Seeks long-term capital growth. Income is a secondary objective. | &nbsp;&nbsp;**LVIP American Century Mid Cap Value Service Class**; Lincoln Financial Investments Corporation ("LFI") | &nbsp;&nbsp;1.01%<sup>1</sup> | &nbsp;&nbsp;8.52% | &nbsp;&nbsp;7.13% | &nbsp;&nbsp;7.87% |
| &nbsp;&nbsp;Seeks total return. | &nbsp;&nbsp;**MFS Utilities Series – Service Class**; Massachusetts Financial Services Company | &nbsp;&nbsp;1.04%<sup>1</sup> | &nbsp;&nbsp;11.34% | &nbsp;&nbsp;5.61% | &nbsp;&nbsp;6.02% |
| &nbsp;&nbsp;Seeks total return. | &nbsp;&nbsp;**MFS® Total Return Series – Service Class**; Massachusetts Financial Services Company | &nbsp;&nbsp;0.86%<sup>1</sup> | &nbsp;&nbsp;7.46% | &nbsp;&nbsp;5.89% | &nbsp;&nbsp;6.20% |
| &nbsp;&nbsp;Seeks to provide total return. | &nbsp;&nbsp;**Nomura VIP Asset Strategy Series Service Class**; Delaware Management Company | &nbsp;&nbsp;0.85%<sup>1</sup> | &nbsp;&nbsp;12.44% | &nbsp;&nbsp;6.56% | &nbsp;&nbsp;5.27% |
| &nbsp;&nbsp;Seeks to provide capital growth and appreciation. | &nbsp;&nbsp;**Nomura VIP Energy Series Service Class**; Delaware Management Company | &nbsp;&nbsp;1.11%<sup>1</sup> | &nbsp;&nbsp;-5.60% | &nbsp;&nbsp;5.79% | &nbsp;&nbsp;-1.89% |
| &nbsp;&nbsp;Seeks capital appreciation. | &nbsp;&nbsp;**Pacific Select Fund Bond Plus Portfolio Class I**; Pacific Life Fund Advisors, LLC | &nbsp;&nbsp;0.64%<sup>1</sup> | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A |
| &nbsp;&nbsp; This Fund seeks capital appreciation. | &nbsp;&nbsp;**Pacific Select Fund Capital Appreciation Portfolio Class I**; Pacific Life Fund Advisors LLC (T. Rowe Price Associates, Inc.) | &nbsp;&nbsp; 0.95%<sup>1</sup> | &nbsp;&nbsp; NA | &nbsp;&nbsp; NA | &nbsp;&nbsp; NA |

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

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

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Investment Objective** | &nbsp;&nbsp;**Fund**; Advisor (Subadvisor) | &nbsp;&nbsp;**Current<br> Expenses** | &nbsp;&nbsp;**Average Annual Total Returns <br> (as of 12/31/2024)** | &nbsp;&nbsp;**Average Annual Total Returns <br> (as of 12/31/2024)** | &nbsp;&nbsp;**Average Annual Total Returns <br> (as of 12/31/2024)** |
|  |  |  | &nbsp;&nbsp;**1 Year** | &nbsp;&nbsp;**5 Year** | &nbsp;&nbsp;**10 Year** |
| &nbsp;&nbsp;Seeks capital appreciation. | &nbsp;&nbsp;**Pacific Select Fund International Equity Plus Bond Alpha Portfolio Class I**; Pacific Life Fund Advisors, LLC | &nbsp;&nbsp;0.66%<sup>1</sup> | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A |
| &nbsp;&nbsp;Seeks long-term growth of capital. | &nbsp;&nbsp;**Pacific Select Fund International Growth Portfolio Class I**; Pacific Life Fund Advisors LLC (ClearBridge Investments, LLC) | &nbsp;&nbsp;0.95% | &nbsp;&nbsp;7.39% | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A |
| &nbsp;&nbsp;Seeks long-term growth of capital. | &nbsp;&nbsp;**Pacific Select Fund International Large-Cap Portfolio Class I**; Pacific Life Fund Advisors LLC (MFS Investment Management) | &nbsp;&nbsp;1.00%<sup>1</sup> | &nbsp;&nbsp;3.68% | &nbsp;&nbsp;5.81% | &nbsp;&nbsp;6.62% |
| &nbsp;&nbsp;Seeks long-term growth of capital. | &nbsp;&nbsp;**Pacific Select Fund International Small-Cap Portfolio Class I**; Pacific Life Fund Advisors LLC (FIAM, LLC.) | &nbsp;&nbsp;1.15%<sup>1</sup> | &nbsp;&nbsp;-0.98% | &nbsp;&nbsp;3.51% | &nbsp;&nbsp;4.89% |
| &nbsp;&nbsp;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. | &nbsp;&nbsp;**Pacific Select Fund International Value Portfolio Class I**; Pacific Life Fund Advisors LLC (Wellington Management Company LLP) | &nbsp;&nbsp;0.91% | &nbsp;&nbsp;3.89% | &nbsp;&nbsp;6.62% | &nbsp;&nbsp;5.23% |
| &nbsp;&nbsp;Seeks long-term growth of capital. | &nbsp;&nbsp;**Pacific Select Fund Large-Cap Core Portfolio Class I**; Pacific Life Fund Advisors LLC (JPMorgan Investment Management, Inc.) | &nbsp;&nbsp;0.68% | &nbsp;&nbsp;23.96% | &nbsp;&nbsp;12.72% | &nbsp;&nbsp;11.62% |
| &nbsp;&nbsp;Seeks long-term growth of capital; current income is of secondary importance. | &nbsp;&nbsp;**Pacific Select Fund Large-Cap Growth Portfolio Class I**; Pacific Life Fund Advisors LLC (FIAM, LLC) | &nbsp;&nbsp;0.86%<sup>1</sup> | &nbsp;&nbsp;29.97% | &nbsp;&nbsp;14.28% | &nbsp;&nbsp;14.12% |

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

---

---

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

---

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

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

**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 the Investment Options we make available for these Riders. You may allocate your Contract Value 100% among the allowable Investment Options.

Currently, the allowable Investment Options for

**Enhanced Income Select 2 (Single and Joint), and the CoreIncome Advantage Select (Single and Joint)** are as follows:

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| | |
|:---|:---|
| **<u>Allowable Investment Options</u>** |  |
| &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;Invesco V.I. Balanced-Risk Allocation Fund |
| &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;Macquarie VIP Asset Strategy |

---

---

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

---

Currently, the allowable Investment Options for the **Investment Guard (5-Year Option, 7-Year Option, or 10-Year Option) and the Future Income Generator (Single and Joint), are all Funds listed in the APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT <u>except</u> the below Funds. You may <u>NOT</u> invest in any of the following:** 

---

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

---

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 above referenced 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 or remove allowable asset allocation programs or allowable Investment Options at any time. We may make such a change due to a fund reorganization, fund liquidation, and fund substitution, 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 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 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 provide benefits under the optional benefit Rider.** 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: C000123389

Pacific Life Insurance Company

Mailing address:

P.O. Box 2378

Omaha, NE 68103-2378

Visit us at our website: www.PacificLife.com

ISP-17026-25B