# EDGAR Filing Document

**Accession Number:** 0000935823
**File Stem:** 0001104659-26-064277
**Filing Date:** 2026-5
**Character Count:** 7062
**Document Hash:** 0c277580aac1699e7b48489543ab6a35
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001104659-26-064277.hdr.sgml**: 20260520

**ACCESSION NUMBER**: 0001104659-26-064277

**CONFORMED SUBMISSION TYPE**: 497

**PUBLIC DOCUMENT COUNT**: 1

**FILED AS OF DATE**: 20260520

**DATE AS OF CHANGE**: 20260520

**EFFECTIVENESS DATE**: 20260520

**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:** 497
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-178739
- **FILM NUMBER:** 261002871

**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 & ANNUITY CO
- **CENTRAL INDEX KEY:** 0001074486

**ORGANIZATION NAME:**
- **EIN:** 000000000
- **STATE OF INCORPORATION:** CA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 497
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-178742
- **FILM NUMBER:** 261002872

**BUSINESS ADDRESS:**
- **STREET 1:** 700 NEWPORT CTR DR
- **CITY:** NEWPORT BEACH
- **STATE:** CA
- **ZIP:** 92660
- **BUSINESS PHONE:** 7146403326

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

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** SEPARATE ACCOUNT A OF PM GROUP LIFE INSURANCE CO
- **DATE OF NAME CHANGE:** 19981201

## Series and Classes Contracts Data

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

---

|  |  |
|:---|:---|
| Class Name                                | Class ID   |
| Schwab Retirement Income Variable Annuity | C000111330 |

---

### SEPARATE ACCOUNT A OF PACIFIC LIFE & ANNUITY CO (811-09203) (Series ID: S000006299)

---

|  |  |
|:---|:---|
| Class Name                                | Class ID   |
| Schwab Retirement Income Variable Annuity | C000111332 |

---

## Series and Classes Contracts Data

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

| Class ID   | Class Name                                | Ticker Symbol   |
|:---|:---|:---|
| C000111330 | Schwab Retirement Income Variable Annuity |  |

### SEPARATE ACCOUNT A OF PACIFIC LIFE & ANNUITY CO (811-09203) (Series ID: S000006299)

| Class ID   | Class Name                                | Ticker Symbol   |
|:---|:---|:---|
| C000111332 | Schwab Retirement Income Variable Annuity |  |

**Supplement dated May 20, 2026, to the Updating Summary Prospectus and Statutory Prospectus dated May 1, 2026, for the following variable annuity contracts issued by:**

---

| | |
|:---|:---|
| **Pacific Life Insurance Company**<br>Schwab Retirement Income Variable Annuity | **Pacific Life & Annuity Company**<br>Schwab Retirement Income Variable Annuity NY |

---

**The purpose of this supplement is to update certain underlying fund information.** This supplement must be preceded or accompanied by the Initial Summary Prospectus, Updating Summary Prospectus, or Statutory Prospectus, as applicable, (collectively, the "Prospectuses") for your Contract, as 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 or Pacific Life & Annuity Company, as applicable; "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 (800) 748-6907 for New York contracts, or online at PacificLife.com/Prospectuses. Please retain this supplement for future reference.

 ****

***As of May 1, 2026, the minimum and maximum and lowest annual cost information shown in the* FEES, EXPENSES, AND ADJUSTMENTS *section have been deleted and replaced with the following:***

---

| |
|:---|
| **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.** |
| **ANNUAL FEES** |
| **1. Base Contract** **0.60%<sup>1</sup>** **0.60%<sup>1</sup>**<br>**2. Portfolio Company fees and expenses** **0.53%<sup>2</sup>** **0.57%<sup>2</sup>**<br>**3. Optional Benefits <br> (for a single optional benefit, if elected)** **0.20%<sup>3</sup>** **1.60%<sup>3</sup>** |
| **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: $1,045.38** |
| &nbsp;&nbsp;&nbsp;&nbsp; Assumes:<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Investment of $100,000<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 5% annual appreciation<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Least expensive combination of base Contract and Fund fees and expenses<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· No optional benefits<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· No sales charges<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· No additional purchase payments, transfers, or withdrawals |

---

<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 (living benefits) or average daily Variable Account Value (optional death benefits).

***As of May 1, 2026, the minimum and maximum information shown in the Annual Fund Expenses section have been deleted and replaced with the following:***

**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** |
| 0.53% | 0.57% |

---

 ****

***As of May 1, 2026, the underlying fund information related to the Current Expenses in the* APPENDIX: INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT *section have been deleted and replaced with the following:***

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| | |
|:---|:---|
| &nbsp;&nbsp;**Fund**; Advisor (Subadvisor) | &nbsp;&nbsp;**Current <br> Expenses** |
| &nbsp;&nbsp;**Schwab<sup>®</sup> VIT Balanced with Growth Portfolio**; Charles Schwab Investment Management, Inc. | &nbsp;&nbsp;0.53% |
| &nbsp;&nbsp;**Schwab<sup>®</sup> VIT Growth Portfolio**; Charles Schwab Investment Management, Inc. | &nbsp;&nbsp;0.54% |

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VASUPP4_0526