# EDGAR Filing Document

**Accession Number:** 0000935823
**File Stem:** 0001104659-25-079694
**Filing Date:** 2025-8
**Character Count:** 136341
**Document Hash:** 987ce0ff9586ae6767902fcb270b14bb
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001104659-25-079694.hdr.sgml**: 20250818

**ACCESSION NUMBER**: 0001104659-25-079694

**CONFORMED SUBMISSION TYPE**: 485BPOS

**PUBLIC DOCUMENT COUNT**: 15

**FILED AS OF DATE**: 20250818

**DATE AS OF CHANGE**: 20250818

**EFFECTIVENESS DATE**: 20250818

**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:** 251227337

**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:** 333-240070
- **FILM NUMBER:** 251227336

**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   |
|:---|:---|:---|
| C000222235 | Pacific Advisory Variable Annuity |  |

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

#### As filed with the Securities and Exchange Commission on August 18, 2025.

#### Registration Nos. 333-240070 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. 15**  | **X** |

---

#### and/or

---

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

---

---

| | |
|:---|:---|
| **Amendment No. 888**<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)

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

X on <u>August 18, 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 to the Statutory Prospectus and Initial Summary Prospectus**

**dated May 1, 2025, as amended August 18, 2025, for the Pacific Advisory Variable Annuity individual flexible premium deferred variable annuity contracts issued by Pacific Life Insurance Company** 

Capitalized terms used in this supplement are defined in the Pacific Advisory 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 filed and available on the EDGAR system at www.sec.gov by typing "Pacific Advisory Variable Annuity" or by searching the Contract file number "333-240070"- 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 Portfolio Income Protector (Single) or (Joint) optional riders in effect on or after the date below. For complete information about Portfolio Income Protector (Single) or (Joint), see the Prospectus.

**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, if you would like another copy of a current prospectus, you may obtain one by visiting www.pacificlife.com/prospectuses or call us at (800) 722-4448 to confirm the most current percentages.** 

***<u>The following applies to Contracts issued on and after September 2, 2025:</u>***

**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;0.35%<sup>1,2</sup> | &nbsp;&nbsp;0.45%<sup>1</sup> |
|  | &nbsp;&nbsp;2. Investment Options (Fund fees and expenses) | &nbsp;&nbsp;0.03%<sup>3</sup> | &nbsp;&nbsp;1.93%<sup>3</sup> |
|  | &nbsp;&nbsp;3. Optional Benefits (for a single optional benefit, if elected) | &nbsp;&nbsp;0.15%<sup>4</sup> | &nbsp;&nbsp;1.35%<sup>4</sup> |

---

**Lowest Annual Cost: $457.97** **Highest Annual Cost: $3,316.04** 

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

---

| | |
|:---|:---|
| 1 | As a percentage of the average daily Variable Account Value. This percentage includes the Mortality and Expense Risk Charge and the Administrative Fee, and the Investment Platform Fee. |

---

---

| | |
|:---|:---|
| 2 | The Mortality and Expense Risk Charge for contracts under $500,000 is 0.15%. The Mortality and Expense Risk Charge is reduced by 0.05% for the upcoming Contract quarter if the Contract Value is between $500,000 and $999,999.99. The Mortality and Expense Risk Charge is reduced by 0.10% for the upcoming Contract quarter if the Contract Value is equal to or greater than $1,000,000. The Contract Value is calculated on the later of the Issue Date or most recent Contract Quarterly Anniversary. |

---

---

| | |
|:---|:---|
| 3 | As a percentage of Fund assets. |

---

---

| | |
|:---|:---|
| 4 | As a percentage of the Protected payment Base (for an optional living benefit) and average daily Variable Account Value (for an optional death benefit). |

---

**Annual Charge, Annual Credit and Withdrawal percentages are set forth below and remain unchanged for applications signed on or after May 1, 2025.** 

The current Annual Charge and Annual Credit are the following:

---

| | | |
|:---|:---|:---|
| **Rider Name** | **Annual Charge Percentage** | **Annual Credit Percentage** |
| Portfolio Income Protector (Single) | 1.25% | 5.0% |
| Portfolio Income Protector (Joint) | 1.35% | 5.0% |

---

The current Withdrawal Percentages are the following:

---

| | | |
|:---|:---|:---|
| **Age\*** | **Portfolio Income** <br> **Protector (Single)** | **Portfolio Income** <br> **Protector (Joint)** |
| Before 59½ | 0% | 0% |
| 59½ | 5.25% | 4.75% |
| 60 | 5.25% | 4.75% |
| 61 | 5.25% | 4.75% |
| 62 | 5.25% | 4.75% |
| 63 | 5.25% | 4.75% |
| 64 | 5.25% | 4.75% |
| 65 | 5.50% | 5.00% |

---

---

| | | |
|:---|:---|:---|
| 66 | 5.50% | 5.00% |
| 67 | 5.50% | 5.00% |
| 68 | 5.50% | 5.00% |
| 69 | 5.50% | 5.00% |
| 70 | 5.50% | 5.00% |
| 71 | 5.50% | 5.00% |
| 72 | 5.50% | 5.00% |
| 73 | 5.50% | 5.00% |
| 74 | 5.50% | 5.00% |
| 75 | 5.75% | 5.25% |
| 76 | 5.75% | 5.25% |
| 77 | 5.75% | 5.25% |
| 78 | 5.75% | 5.25% |
| 79 | 5.75% | 5.25% |
| 80 | 5.75% | 5.25% |
| 81 | 5.75% | 5.25% |
| 82 | 5.75% | 5.25% |
| 83 | 5.75% | 5.25% |
| 84 | 5.75% | 5.25% |
| 85 and older | 5.75% | 5.25% |

---

\* 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 Reset occurs.

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 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 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 <u>increased</u>, you will receive the higher percentages 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, 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.

If the necessary paperwork and initial Purchase Payment are not received within the timeframes stated above, or you elect to purchase a rider within 60 calendar days after the Contract issue date, you will receive the applicable percentages in effect as of the Contract issue date.

If you purchased a rider, review the 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.**

Dated August 18, 2025.

Form No. PAVARS0725

**Supplement to the Statutory Prospectus dated May 1, 2025, as amended August 18, 2025, for the Pacific Advisory**

**Variable Annuity individual flexible premium deferred variable annuity contracts** 

**issued by Pacific Life Insurance Company** 

**The purpose of this supplement is to revise information in the Statutory Prospectus (the "Prospectus") for the Pacific Advisory Variable Annuity contracts issued by Pacific Life Insurance Company to reflect certain decreases in the annual Base Contract Expenses charge effective September 2, 2025.**

This supplement must be preceded or accompanied by the Prospectus for your Contract. Capitalized terms used in this supplement are defined in the Pacific Advisory Variable Annuity Statutory Prospectus unless otherwise defined herein. ''We,'' ''us,'' or ''our'' refer to Pacific Life Insurance Company; ''you'' or ''your'' refer to the Contract Owner. You can obtain a copy of the current Prospectus by contacting us at (800) 722-4448, or online at http://www.PacificLife.com/Propsectuses. Please retain this supplement for future reference.

**The annual Base Contract Expenses charge currently reflected in the Prospectus, dated May 1, 2025, will continue to apply to <u>Contracts issued prior to September 2, 2025</u>.**

**The annual Base Contract Expenses charge reflected below will apply to <u>Contracts issued on or after September 2, 2025</u>.**

***For Contracts issued on and after September 2, 2025,* the following ONGOING FEES AND EXPENSES section *under* IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT *in the Prospectus will apply*:**

**Lowest Annual Cost: $457.97** **Highest Annual Cost: $3,316.04**

Assumes:&nbsp;&nbsp;&nbsp;&nbsp;●Investment of $100,000&nbsp;&nbsp;&nbsp;&nbsp;●5% annual appreciation Assumes: &nbsp;&nbsp;&nbsp;&nbsp; ● Investment of $100,000 &nbsp;&nbsp;&nbsp;&nbsp; ● 5% annual appreciation

&nbsp;&nbsp;&nbsp;&nbsp;●Least
expensive combination of base Contract and Fund fees and expenses&nbsp;&nbsp;&nbsp;&nbsp;●No
 optional benefits&nbsp;&nbsp;&nbsp;&nbsp;●No
 sales charges or advisory fees&nbsp;&nbsp;&nbsp;&nbsp;●No
 additional purchase payments, transfers, or withdrawals &nbsp;&nbsp;&nbsp;&nbsp; ● Most expensive combination of base Contract, optional benefits, and Fund fees and expenses &nbsp;&nbsp;&nbsp;&nbsp; ● No sales charges or advisory fees &nbsp;&nbsp;&nbsp;&nbsp; ● No additional purchase payments, transfers, or withdrawals

---

| | |
|:---|:---|
| 1 | As a percentage of the average daily Variable Account Value. This percentage includes the Mortality and Expense Risk Charge and the Administrative Fee, and the Investment Platform Fee. |

---

---

| | |
|:---|:---|
| 2 | The Mortality and Expense Risk Charge for contracts under $500,000 is 0.15%. The Mortality and Expense Risk Charge is reduced by 0.05% for the upcoming Contract quarter if the Contract Value is between $500,000 and $999,999.99. The Mortality and Expense Risk Charge is reduced by 0.10% for the upcoming Contract quarter if the Contract Value is equal to or greater than $1,000,000. The Contract Value is calculated on the later of the Issue Date or most recent Contract Quarterly Anniversary. |

---

---

| | |
|:---|:---|
| 3 | As a percentage of Fund assets. |

---

---

| | |
|:---|:---|
| 4 | As a percentage of the Protected Payment Base (for an optional living benefit) and average daily Variable Account Value (for an optional death benefit). |

---

***For Contracts issued on and after September 2, 2025,* the following ANNUAL CONTRACT EXPENSES – Base Contract Expenses *section under* FEE TABLES *in the Prospectus will apply*:**

---

| | |
|:---|:---|
| Base Contract Expenses (as a percentage of average daily Variable Account Value)<sup>1</sup> | 0.45% |

---

<sup>1</sup> As a percentage of the average daily Variable Account Value. This percentage includes the Mortality and Expense Risk Charge, the Administrative Fee, and the Investment Platform Fee. The Mortality and Expense Risk Charge percentage may decrease or increase based on your Contract Value. The Mortality and Expense Risk Charge, the Administrative Fee, and the Investment Platform 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.

***For Contracts issued on and after September 2, 2025,* the following MORTALITY AND EXPENSE RISK CHARGE *section under* CHARGES, FEES AND DEDUCTIONS *in the Prospectus will apply*:**

We assess a charge against the assets of each Subaccount to compensate for certain mortality and expense risks that we assume under the Contract (the "Risk Charge"). The risk that an Annuitant will live longer (and therefore receive more annuity payments) than we predict through our actuarial calculations at the time the Contract is issued is "mortality risk." The risk that the expense charges and fees under the Contract and Separate Account are less than our actual administrative and operating expenses is called "expense risk."

The Risk Charge is assessed and deducted daily at an annual rate equal to 0.15% of each Subaccount's assets.

However, as calculated on the later of the Issue Date or most recent Contract Quarter Anniversary, we will reduce the Risk Charge for the upcoming Contract quarter by:

● 0.05% if the contract Value is between $500,000 and $999,999.99, or

● 0.10% if the contract Value is equal to or greater than $1,000,000.

If the Contract Value subsequently falls below a Risk Charge reduction-qualifying amount on any Quarterly Anniversary, the Risk Charge will be reinstated to 0.15% (if less than $500,000) or 0.10% (if between $500,000 and $999,999.99) for the following Contract quarter. We will notify you in writing if you become eligible, or no longer qualify, for a reduction of the Risk charge based on your Contract Value.

The Risk Charge will stop at the Annuity Date (the Risk Charge will be assessed on the Annuity Date then discontinue thereafter) if you select fixed annuity payments. The Risk Charge (excluding any increase for optional benefits) will continue after the Annuity Date if you choose variable annuity payments, even though we do not bear mortality risk if your Annuity Option is Period Certain Only. If you choose variable annuity payments, the reduction of the Risk Charge based on your Contract Value will no longer apply and the Risk Charge will be reinstated to an

annual rate equal to 0.15%.We will realize a gain if the Risk Charge exceeds our actual cost of expenses and benefits, and will suffer a loss if such actual costs exceed the Risk Charge. Any gain will become part of our General Account. We may use it for any reason, including covering sales expenses on the Contracts.

We increase your Risk Charge if you purchase an Optional Death Benefit Rider. See the **Optional Death Benefit Rider Charges** section in the Prospectus.

Dated August 18, 2025.

Form No. PAVASTAT0725

Prospectus

[(Included in Registrant's Form N-4, File No. 333-240070 Accession No. 0001104659-25-039280 filed on April 25, 2025, and incorporated by reference herein.)](https://www.sec.gov/ix?doc=/Archives/edgar/data/935823/000110465925039280/tm255215d1_485bpos.htm)

------

SAI

[(Included in Registrant's Form N-4, File No. 333-240070 Accession No. 0001104659-25-039280 filed on April 25, 2025, and incorporated by reference herein.)](https://www.sec.gov/ix?doc=/Archives/edgar/data/935823/000110465925039280/tm255215d1_485bpos.htm)

------

#### PART C: OTHER INFORMATION (Pacific Advisory Variable Annuity)

#### 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.txt](https://www.sec.gov/Archives/edgar/data/935823/0000898430-96-001377.txt)[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) | **Custodial Agreements** |
|  | Inapplicable |
| (3) | **Underwriting Agreements** |
| (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. 333-184973, Accession No. 0001104659-17-024827 filed on April 20, 2017, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465917024827/a16-17092_1ex99d3dc.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465917024827/a16-17092_1ex99d3dc.htm) |
| (4) | **Contracts** |
| (a) | Individual Flexible Premium Deferred Variable Annuity Contract (Form No. ICC20:10-1040); Included in Registrant's Form N-4, File No. 333-240070, Accession No. 0001104659-20-086243 filed on July 24, 2020, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465920086243/a20-24944_1ex99d4a.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465920086243/a20-24944_1ex99d4a.htm) |
|  | Contract Specifications (Form No. ICC20:10-1040-CS); Included in Registrant's Form N-4, File No. 333-240070, Accession No. 0001104659-20-086243 filed on July 24, 2020, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465920086243/a20-24944_1ex99d4a1.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465920086243/a20-24944_1ex99d4a1.htm) |

---

------

(b) 403(b) Tax-Sheltered
Annuity Rider (Form No. ICC12:20-1270); included in Registration Statement on Form N-4, File No. 333-184973,
Accession No. 0000950123-13-000795 filed on February 5, 2013, and incorporated by reference herein. This
exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000095012313000795/a60352a1exv99wx4yxby.htm](https://www.sec.gov/Archives/edgar/data/935823/000095012313000795/a60352a1exv99wx4yxby.htm)

(c) Section 457(b) Plan Rider (Form No. ICC12:20-1271); included in Registration Statement
on Form N-4, File No. 333-184973, Accession No. 0000950123-13-000795 filed on February 5, 2013, and incorporated
by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000095012313000795/a60352a1exv99wx4yxcy.htm](https://www.sec.gov/Archives/edgar/data/935823/000095012313000795/a60352a1exv99wx4yxcy.htm)

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

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

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

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

(h) Return of Purchase Payments Death Benefit Rider (Form No. ICC20:20-1040) ; Included in Registrant's Form N-4, File No. 333-240070, Accession No. 0001104659-20-086243 filed
on July 24, 2020, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465920086243/a20-24944_1ex99d4h.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465920086243/a20-24944_1ex99d4h.htm)

(i) Return of Purchase Payments Death Benefit Rider II (Form No.ICC20:20-1040CA);
Included in Registrant's Form N-4, File No. 333-240070, Accession No. 0001104659-20-122252 filed on
November 6, 2020, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465920122252/a20-35060_1ex99d4i.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465920122252/a20-35060_1ex99d4i.htm)

(j) Guaranteed Withdrawal Benefit XXV Rider – Single Life (Portfolio Income Protector)
(Form No. ICC20-1050); Included in the Registrant's Form N-4; File No. 333-240070 Accession No. 0001104659-20-017186
filed on February 10, 2021, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465921017186/0001104659-21-017186-index.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465921017186/0001104659-21-017186-index.htm)

(k) Guaranteed Withdrawal Benefit XXV Rider – Joint Life (Portfolio Income Protector)
(Form No. ICC20-1051); Included in the Registrant's Form N-4; File No. 333-240070 Accession No. 0001104659-20-017186
filed on February 10, 2021, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465921017186/0001104659-21-017186-index.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465921017186/0001104659-21-017186-index.htm)

(5) **Applications**

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| | |
|:---|:---|
| (a) | Variable Annuity Application. (Form No. ICC20:25-1040); Included in Registrant's Form N-4, File No. 333-240070, Accession No. 0001104659-20-122252 filed on November 6, 2020, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465920122252/a20-35060_1ex99d5a.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465920122252/a20-35060_1ex99d5a.htm) |
| (6) | **Depositor's Certificate of Incorporation and By-Laws** |
| (a) | Pacific Life's Articles of Incorporation; included in Registrant's Form N-4, File No. 033-88460, Accession No. 0001017062-98-000945 filed on April 29, 1998, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/0001017062-98-000939.txt](https://www.sec.gov/Archives/edgar/data/935823/0001017062-98-000939.txt) |
| (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) |
| (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) |
| (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) |
| (7) | **Reinsurance Contracts** |
|  | Reinsurance Agreement with Union Hamilton; Included in Registrant's Form N-4, File No. 333-184973, Accession No. 0001193125-15-346556 filed on October 19, 2015 and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312515346556/d96269dex997.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312515346556/d96269dex997.htm) |
| (8) | **Participation Agreements** |
| (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) |
|  | 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) |
| (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) |
| (c) | BlackRock Variable Series Fund, Inc. (formerly called Merrill Lynch Variable Series Fund, Inc.) Participation Agreement; included in Registrant's Form N-4, File No. 333-136597, Accession No. 0000892569-08-000961 filed on July 2, 2008, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000089256908000961/a41434aexv99w8xey.htm](https://www.sec.gov/Archives/edgar/data/935823/000089256908000961/a41434aexv99w8xey.htm) |

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| | | |
|:---|:---|:---|
|  | (1) | First Amendment to Participation Agreement; Included in Registrant's Form N-4, File No. 333-250190, Accession No. 0001104659-23-113342 filed on November 1, 2023, and incorporated by reference herein. This exhibit can be found at [https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xdx1.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xdx1.htm) |
|  | (2) | Second Amendment to Participation Agreement; Included in Registrant's Form N-4, File No. 333-250190, Accession No. 0001104659-23-113342 filed on November 1, 2023, and incorporated by reference herein. This exhibit can be found at [https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xdx2.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xdx2.htm) |
|  | (3) | Third Amendment to Participation Agreement; included in Registrant's Form N-4, File No. 333-250190, Accession No. 0001104659-23-113342 filed on November 1, 2023, and incorporated by reference herein. This exhibit can be found at [https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xdx3.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xdx3.htm) |
|  | (4)  | Fourth Amendment to Participation Agreement; included in Registrant's Form N-4, File No. 333-184973, Accession No. 0001193125-13-399380 filed on October 15, 2013, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312513399380/d609046dex998d4.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312513399380/d609046dex998d4.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. 333-184973, Accession No. 0001104659-19-022568 filed on April 19, 2019, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465919022568/a19-5919_1ex99d8dd6.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465919022568/a19-5919_1ex99d8dd6.htm) |
| (d) | 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.<br>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) |

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| | | |
|:---|:---|:---|
|  | (3)  | Second Amendment to Participation Agreement; included in Registrant's Form N-4, File No. 333-184973, Accession No. 0001193125-14-148872 filed on April 18, 2014, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312514148872/d655721dex998e3.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312514148872/d655721dex998e3.htm) |
|  | (4)  | Third Amendment to Participation Agreement; included in Registrant's Form N-4, File No. 333-160772, Accession No. 0001193125-14-310473 filed on August 15, 2014, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312514310473/d767546dex998f4.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312514310473/d767546dex998f4.htm) |
|  | (5)  | Fourth Amendment to Participation Agreement; included in Registrant's Form N-4, File No. 333-184973, Accession No. 0001193125-15-134846 filed on April 17, 2015, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312515134846/d831839dex998e5.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312515134846/d831839dex998e5.htm) |
|  | (6) | Fifth Amendment to Participation Agreement; included in Registrant's Form N-4, File No. 333-240070, Accession No. 0001104659-21-116237 filed on September 16, 2021, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465921116237/a21-27571_1ex99d8d6.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465921116237/a21-27571_1ex99d8d6.htm) |
| (e) | 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. 333-184973, Accession No. 0001193125-15-134846 filed on April 17, 2015, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312515134846/d831839dex998g4.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312515134846/d831839dex998g4.htm) |
| (f) | Franklin Templeton Services, LLC Administrative Services Agreement; included in Registrant's Form N-4, File No. 333-250190, Accession No. 0001104659-23-113342 filed on November 1, 2023, and incorporated by reference herein. This exhibit can be found at [https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xh.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xh.htm) | Franklin Templeton Services, LLC Administrative Services Agreement; included in Registrant's Form N-4, File No. 333-250190, Accession No. 0001104659-23-113342 filed on November 1, 2023, and incorporated by reference herein. This exhibit can be found at [https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xh.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xh.htm) |

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| | | |
|:---|:---|:---|
|  | (1) | First Amendment to Administrative Services Agreement; included in Registrant's Form N-4, File No. 333-250190, Accession No. 0001104659-23-113342 filed on November 1, 2023, and incorporated by reference herein. This exhibit can be found at [https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xhx1.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xhx1.htm) |
|  | (2)  | Second Amendment to Administrative Service Agreement; included in Registrant's Form N-4, File No. 333-136597, Accession No. 0001193125-12-502964 filed on December 14, 2012, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312512502964/d438041dex998h2.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312512502964/d438041dex998h2.htm) |
|  | (3)  | Third Amendment to Administrative Services Agreement; included in Registrant's Form N-4, File No. 333-136597, Accession No. 0001193125-12-502964 filed on December 14, 2012, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312512502964/d438041dex998h3.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312512502964/d438041dex998h3.htm) |
|  | (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. 333-184973, Accession No. 0001193125-15-134846 filed on April 17, 2015, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312515134846/d831839dex998h5.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312515134846/d831839dex998h5.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) |
| (g) | AIM Variable Insurance Funds Participation Agreement; included in Registrant's Form N-4, File No. 333-184972, Accession No. 0001104659-24-024617, filed February 16, 2024, and incorporated by reference herein. This exhibit can be found at [sec.gov/Archives/edgar/data/1074486/000110465924024617/tm246207d1_ex99-x8xi.htm](https://www.sec.gov/Archives/edgar/data/1074486/000110465924024617/tm246207d1_ex99-x8xi.htm) | AIM Variable Insurance Funds Participation Agreement; included in Registrant's Form N-4, File No. 333-184972, Accession No. 0001104659-24-024617, filed February 16, 2024, and incorporated by reference herein. This exhibit can be found at [sec.gov/Archives/edgar/data/1074486/000110465924024617/tm246207d1_ex99-x8xi.htm](https://www.sec.gov/Archives/edgar/data/1074486/000110465924024617/tm246207d1_ex99-x8xi.htm) |
|  | (1)  | First Amendment to Participation Agreement; included in Registrant's Form N-4, File No. 333-168026, Accession No. 0000950123-12-006432 filed on April 24, 2012, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000095012312006432/a59729bexv99w8xiyx1y.htm](https://www.sec.gov/Archives/edgar/data/935823/000095012312006432/a59729bexv99w8xiyx1y.htm) |

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| (h) | Invesco Aim Distributors, Inc. Distribution Services Agreement; included in Registrant's Form N-4, File No. 333-250190, Accession No. 0001104659-23-113342 filed on November 1, 2023, and incorporated by reference herein. This exhibit can be found at [https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xj.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xj.htm) | Invesco Aim Distributors, Inc. Distribution Services Agreement; included in Registrant's Form N-4, File No. 333-250190, Accession No. 0001104659-23-113342 filed on November 1, 2023, and incorporated by reference herein. This exhibit can be found at [https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xj.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xj.htm) |
|  | (1)  | First Amendment to Distribution Services Agreement; Included in Registrant's Form N-4, File No. 333-184973, Accession No. 0001104659-17-024827 filed on April 20, 2017, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465917024827/a16-17092_1ex99d8dj1.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465917024827/a16-17092_1ex99d8dj1.htm) |
| (i) | Invesco Aim Advisors, Inc. Administrative Services Agreement; included in Registrant's Form N-4, File No. 333-250190, Accession No. 0001104659-23-113342 filed on November 1, 2023, and incorporated by reference herein. This exhibit can be found at [https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-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) |
| (j) | 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) |
| (k) | PIMCO LLC Services Agreement; included in Registrant's Form N-4, File No. 333-250190, Accession No. 0001104659-23-113342 filed on November 1, 2023, and incorporated by reference herein. This exhibit can be found at [https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xt.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xt.htm) | PIMCO LLC Services Agreement; included in Registrant's Form N-4, File No. 333-250190, Accession No. 0001104659-23-113342 filed on November 1, 2023, and incorporated by reference herein. This exhibit can be found at [https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xt.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465923113342/tm2329166d2_ex99-x8xt.htm) |
|  | (1)  | First Amendment to Services Agreement; included in Registrant's Form N-4, File No. 333-136597, Accession No. 0001193125-12-502964 filed on December 14, 2012, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312512502964/d438041dex998t1.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312512502964/d438041dex998t1.htm) |
|  | (2)  | Second Amendment to Services Agreement; included in Registrant's Form N-4, File No. 333-184973, Accession No. 0001193125-14-148872 filed on April 18, 2014, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312514148872/d655721dex998t2.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312514148872/d655721dex998t2.htm) |
|  | (3)  | Third Amendment to Services Agreement; included in Registrant's Form N-4, File No. 333-184973, Accession No. 0001104659-18-025540 filed on April 20, 2018, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465918025540/a18-7962_1ex99d8dt3.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465918025540/a18-7962_1ex99d8dt3.htm) |

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| (l) | 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. 333-184973, Accession No. 0001193125-15-134846 filed on April 17, 2015, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312515134846/d831839dex998u3.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312515134846/d831839dex998u3.htm) |
| (m) | (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. 333-184973, Accession No. 0001193125-15-134846 filed on April 17, 2015, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312515134846/d831839dex998v2.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312515134846/d831839dex998v2.htm) |
|  | (3)  | MFS Variable Insurance Trust Administrative Services Agreement; Included in Registrant's Form N-4, File No. 333-184973, Accession No. 0001104659-17-024827 filed on April 20, 2017, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465917024827/a16-17092_1ex99d8dv3.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465917024827/a16-17092_1ex99d8dv3.htm) |
| (n) | 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) |
|  | (1)  | First Amendment to Participation Agreement; included in Registrant's Form N-4, File No. 333-168026, Accession No. 0000950123-12-006432 filed on April 24, 2012, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000095012312006432/a59729bexv99w8xwyx1y.htm](https://www.sec.gov/Archives/edgar/data/935823/000095012312006432/a59729bexv99w8xwyx1y.htm) |
|  | (2)  | Second Amendment to Participation Agreement; included in Registrant's Form N-4, File No. 333-168026, Accession No. 0000950123-12-006432 filed on April 24, 2012, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000095012312006432/a59729bexv99w8xwyx2y.htm](https://www.sec.gov/Archives/edgar/data/935823/000095012312006432/a59729bexv99w8xwyx2y.htm) |

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|  | (3) | Third Amendment to Participation Agreement; included in Registrant's Form N-6, File No. 333-231308 Accession No. 0001104659-19-042834 filed on July 31, 2019, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/832908/000110465919042834/a19-13236_1ex99d8o3.htm](https://www.sec.gov/Archives/edgar/data/832908/000110465919042834/a19-13236_1ex99d8o3.htm) |
|  | (4) | Fourth Amendment to Participation Agreement; included in Registrant's Form N-4, File No. 333-184973, Accession No. 0001104659-20-048047 filed on April 17, 2020, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465920048047/a20-9589_1ex99d8w4.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465920048047/a20-9589_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) |
| (o) | 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) |
| (p) | 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) |
| (q) | 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) |
| (r) | Participation Agreement with Janus Aspen Series; Included in Registrant's Form N-6, File No. 333-118913, Accession Number 000892569-07-000444 filed on April 16, 2007, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/832908/000089256907000444/a23397a1exv99wx8yxky.htm](https://www.sec.gov/Archives/edgar/data/832908/000089256907000444/a23397a1exv99wx8yxky.htm) | Participation Agreement with Janus Aspen Series; Included in Registrant's Form N-6, File No. 333-118913, Accession Number 000892569-07-000444 filed on April 16, 2007, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/832908/000089256907000444/a23397a1exv99wx8yxky.htm](https://www.sec.gov/Archives/edgar/data/832908/000089256907000444/a23397a1exv99wx8yxky.htm) |
|  | (1)  | First Amendment to Participation Agreement; Included in Registrant's Form N-4, File No. 333-136597, Accession No. 0001193125-12-502964 filed on December 14, 2012, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312512502964/d438041dex998dd1.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312512502964/d438041dex998dd1.htm) |
|  | (2)  | Second Amendment to Participation Agreement; included in Registrant's Form N-4, File No. 333-184973, Accession No. 0001193125-15-134846 filed on April 17, 2015, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312515134846/d831839dex998dd2.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312515134846/d831839dex998dd2.htm) |

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| (s) | 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) |
| (t) | Fund Participation and Service Agreement with American Funds; included in Registrant's Form N-4, File No. 333-184973, Accession No. 0001193125-13-399380 filed on October 15, 2013, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312513399380/d609046dex998mm.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312513399380/d609046dex998mm.htm) | Fund Participation and Service Agreement with American Funds; included in Registrant's Form N-4, File No. 333-184973, Accession No. 0001193125-13-399380 filed on October 15, 2013, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312513399380/d609046dex998mm.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312513399380/d609046dex998mm.htm) |
|  | (1)  | First Amendment to Fund Participation and Service Agreement; included in Registrant's Form N-4, File No. 333-184973, Accession No. 0001193125-14-148872 filed on April 18, 2014, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312514148872/d655721dex998mm1.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312514148872/d655721dex998mm1.htm) |
|  | (2)  | Second Amendment to Fund Participation and Service Agreement; included in Registrant's Form N-4, File No. 333-184973, Accession No. 0001193125-15-134846 filed on April 17, 2015, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312515134846/d831839dex998mm2.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312515134846/d831839dex998mm2.htm) |
|  | (3)  | Third Amendment to Fund Participation and Service Agreement; Included in Registrant's Form N-4, File No. 333-184973, Accession No. 0001193125-15-346556 filed on October 19, 2015 and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312515346556/d96269dex998mm3.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312515346556/d96269dex998mm3.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) |
| (u) | Business Agreement with American Funds; included in Registrant's Form N-4, File No. 333-184973, Accession No. 0001193125-13-399380 filed on October 15, 2013, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312513399380/d609046dex998nn.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312513399380/d609046dex998nn.htm) | Business Agreement with American Funds; included in Registrant's Form N-4, File No. 333-184973, Accession No. 0001193125-13-399380 filed on October 15, 2013, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312513399380/d609046dex998nn.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312513399380/d609046dex998nn.htm) |
| (v) | Fund Participation Agreement with JPMorgan Insurance Trust (formerly called One Group Investments Trust); included in Registrant's Form N-4, File No. 333-184973, Accession No. 0001193125-15-134846 filed on April 17, 2015, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312515134846/d831839dex998qq.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312515134846/d831839dex998qq.htm) | Fund Participation Agreement with JPMorgan Insurance Trust (formerly called One Group Investments Trust); included in Registrant's Form N-4, File No. 333-184973, Accession No. 0001193125-15-134846 filed on April 17, 2015, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312515134846/d831839dex998qq.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312515134846/d831839dex998qq.htm) |
|  | (1)  | First Amendment to Fund Participation Agreement; included in Registrant's Form N-4, File No. 333-184973, Accession No. 0001193125-15-134846 filed on April 17, 2015, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312515134846/d831839dex998qq1.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312515134846/d831839dex998qq1.htm) |
| (w) | Supplemental Payment Agreement with JPMorgan Insurance Trust (formerly called One Group Investments Trust); included in Registrant's Form N-4, File No. 333-184973, Accession No. 0001193125-15-134846 filed on April 17, 2015, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312515134846/d831839dex998rr.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312515134846/d831839dex998rr.htm) | Supplemental Payment Agreement with JPMorgan Insurance Trust (formerly called One Group Investments Trust); included in Registrant's Form N-4, File No. 333-184973, Accession No. 0001193125-15-134846 filed on April 17, 2015, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312515134846/d831839dex998rr.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312515134846/d831839dex998rr.htm) |

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|:---|:---|:---|
|  | (1)  | First Amendment to the Supplemental Payment Agreement; included in Registrant's Form N-4, File No. 333-184973, Accession No. 0001193125-15-134846 filed on April 17, 2015, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312515134846/d831839dex998rr1.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312515134846/d831839dex998rr1.htm) |
|  | (2)  | Second Amendment to the Supplemental Payment Agreement; included in Registrant's Form N-4, File No. 333-184973, Accession No. 0001193125-15-134846 filed on April 17, 2015, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312515134846/d831839dex998rr2.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312515134846/d831839dex998rr2.htm) |
|  | (3)  | Third Amendment to Supplemental Payment Agreement; Included in Registrant's Form N-4, File No. 333-184973, Accession No. 0001193125-15-346556 filed on October 19, 2015 and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312515346556/d96269dex998rr3.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312515346556/d96269dex998rr3.htm) |
| (x) | Distribution and Marketing Support Agreement (Amended and Restated) with BlackRock Variable Series Fund, Inc.; included in Registrant's Form N-4, File No. 333-184973, Accession No. 0001193125-15-134846 filed on April 17, 2015, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312515134846/d831839dex998ss.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312515134846/d831839dex998ss.htm) | Distribution and Marketing Support Agreement (Amended and Restated) with BlackRock Variable Series Fund, Inc.; included in Registrant's Form N-4, File No. 333-184973, Accession No. 0001193125-15-134846 filed on April 17, 2015, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312515134846/d831839dex998ss.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312515134846/d831839dex998ss.htm) |
| (y) | 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. 333-184973, Accession No. 0001104659-17-024827 filed on April 20, 2017, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465917024827/a16-17092_1ex99d8duu3.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465917024827/a16-17092_1ex99d8duu3.htm) |
|  | (4) | Fourth Amendment to Participation 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_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-4, File No. 333-184973, Accession No. 0001104659-20-048047 filed on April 17, 2020, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465920048047/a20-9589_1ex99d8uu5.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465920048047/a20-9589_1ex99d8uu5.htm) |

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|  | (6) | Sixth 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_1ex99d8y6.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465920112014/a20-32161_1ex99d8y6.htm) |
| (z) | Service Agreement with Legg Mason Investor Services, LLC; Filed as part of Post-Effective Amendment No. 9 to the Registration Statement on Form N-6 via EDGAR on April 16, 2007, File No. 333-118913, Accession Number 000892569-07-000444, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/832908/000089256907000444/a23397a1exv99wx8yxqy.htm](https://www.sec.gov/Archives/edgar/data/832908/000089256907000444/a23397a1exv99wx8yxqy.htm) | Service Agreement with Legg Mason Investor Services, LLC; Filed as part of Post-Effective Amendment No. 9 to the Registration Statement on Form N-6 via EDGAR on April 16, 2007, File No. 333-118913, Accession Number 000892569-07-000444, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/832908/000089256907000444/a23397a1exv99wx8yxqy.htm](https://www.sec.gov/Archives/edgar/data/832908/000089256907000444/a23397a1exv99wx8yxqy.htm) |
|  | (1)  | First Amendment to Service Agreement; Included in Registrant's Form N-6, File No. 333-172851, Accession No. 0001193125-15-132710 filed April 16, 2015, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/832908/000119312515132710/d833403dex998q1.htm](https://www.sec.gov/Archives/edgar/data/832908/000119312515132710/d833403dex998q1.htm) |
|  | (2)  | Second Amendment to Service Agreement; Included in Registrant's Form N-6, File No. 333-172851, Accession No. 0001193125-15-132710 filed April 16, 2015, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/832908/000119312515132710/d833403dex998q2.htm](https://www.sec.gov/Archives/edgar/data/832908/000119312515132710/d833403dex998q2.htm) |
|  | (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; 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_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-4, File No. 333-184973, Accession No. 0001104659-20-048047 filed on April 17, 2020, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465920048047/a20-9589_1ex99d8vv5.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465920048047/a20-9589_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_1ex99d8z6.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465920112014/a20-32161_1ex99d8z6.htm) |
| (aa) | Administrative Services Agreement with Invesco Advisors, Inc.; Included in Registrant's Form N-4, File No. 333-184973, Accession No. 0001104659-17-024827 filed on April 20, 2017, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465917024827/a16-17092_1ex99d8dddd.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465917024827/a16-17092_1ex99d8dddd.htm) | Administrative Services Agreement with Invesco Advisors, Inc.; Included in Registrant's Form N-4, File No. 333-184973, Accession No. 0001104659-17-024827 filed on April 20, 2017, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465917024827/a16-17092_1ex99d8dddd.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465917024827/a16-17092_1ex99d8dddd.htm) |
| (bb) | Financial Support Agreement with Invesco Distributors, Inc.; Included in Registrant's Form N-4, File No. 333-184973, Accession No. 0001104659-17-024827 filed on April 20, 2017, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465917024827/a16-17092_1ex99d8deee.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465917024827/a16-17092_1ex99d8deee.htm) | Financial Support Agreement with Invesco Distributors, Inc.; Included in Registrant's Form N-4, File No. 333-184973, Accession No. 0001104659-17-024827 filed on April 20, 2017, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465917024827/a16-17092_1ex99d8deee.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465917024827/a16-17092_1ex99d8deee.htm) |
| (cc) | Participation Agreement with Northern Lights Variable Trust; Included in Registrant's Form N-4, File No. 333-240070, Accession No. 0001104659-20-086243 filed on July 24, 2020, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465920086243/a20-24944_1ex99d8cc.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465920086243/a20-24944_1ex99d8cc.htm) | Participation Agreement with Northern Lights Variable Trust; Included in Registrant's Form N-4, File No. 333-240070, Accession No. 0001104659-20-086243 filed on July 24, 2020, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465920086243/a20-24944_1ex99d8cc.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465920086243/a20-24944_1ex99d8cc.htm) |

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| (dd) | Participation Agreement with Goldman Sachs Variable Insurance Trust; Included in Registrant's Form N-4, File No. 333-240070, Accession No. 0001104659-20-122252 filed on November 6, 2020, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465920122252/a20-35060_1ex99d8dd.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465920122252/a20-35060_1ex99d8dd.htm) | Participation Agreement with Goldman Sachs Variable Insurance Trust; Included in Registrant's Form N-4, File No. 333-240070, Accession No. 0001104659-20-122252 filed on November 6, 2020, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465920122252/a20-35060_1ex99d8dd.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465920122252/a20-35060_1ex99d8dd.htm) | Participation Agreement with Goldman Sachs Variable Insurance Trust; Included in Registrant's Form N-4, File No. 333-240070, Accession No. 0001104659-20-122252 filed on November 6, 2020, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465920122252/a20-35060_1ex99d8dd.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465920122252/a20-35060_1ex99d8dd.htm) |
|  | (1) | First Amendment to Participation Agreement; Included in the Registrant's Form N-4; File No. 333-240070 Accession No. 0001104659-25-039280 filed on April 25, 2024, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465925039280/tm255215d1_ex99-xddx1.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465925039280/tm255215d1_ex99-xddx1.htm) | First Amendment to Participation Agreement; Included in the Registrant's Form N-4; File No. 333-240070 Accession No. 0001104659-25-039280 filed on April 25, 2024, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465925039280/tm255215d1_ex99-xddx1.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465925039280/tm255215d1_ex99-xddx1.htm) |
| (ee) | Administrative Services Agreement with Goldman Sachs Asset Management, L.P; Included in Registrant's Form N-4, File No. 333-240070, Accession No. 0001104659-20-122252 filed on November 6, 2020, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465920122252/a20-35060_1ex99d8ee.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465920122252/a20-35060_1ex99d8ee.htm) | Administrative Services Agreement with Goldman Sachs Asset Management, L.P; Included in Registrant's Form N-4, File No. 333-240070, Accession No. 0001104659-20-122252 filed on November 6, 2020, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465920122252/a20-35060_1ex99d8ee.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465920122252/a20-35060_1ex99d8ee.htm) | Administrative Services Agreement with Goldman Sachs Asset Management, L.P; Included in Registrant's Form N-4, File No. 333-240070, Accession No. 0001104659-20-122252 filed on November 6, 2020, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465920122252/a20-35060_1ex99d8ee.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465920122252/a20-35060_1ex99d8ee.htm) |
| (ff) | Participation Agreement with T. Rowe Price Equity Series, Inc.; Filed as part of the Registration Statement on Form N-6 on April 19, 2005, File No. 033-21754, Accession Number 0000892569-05-000254. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/832908/000089256905000054/a05030exv99wx8yxfy.htm](https://www.sec.gov/Archives/edgar/data/832908/000089256905000054/a05030exv99wx8yxfy.htm) | Participation Agreement with T. Rowe Price Equity Series, Inc.; Filed as part of the Registration Statement on Form N-6 on April 19, 2005, File No. 033-21754, Accession Number 0000892569-05-000254. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/832908/000089256905000054/a05030exv99wx8yxfy.htm](https://www.sec.gov/Archives/edgar/data/832908/000089256905000054/a05030exv99wx8yxfy.htm) | Participation Agreement with T. Rowe Price Equity Series, Inc.; Filed as part of the Registration Statement on Form N-6 on April 19, 2005, File No. 033-21754, Accession Number 0000892569-05-000254. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/832908/000089256905000054/a05030exv99wx8yxfy.htm](https://www.sec.gov/Archives/edgar/data/832908/000089256905000054/a05030exv99wx8yxfy.htm) |
|  | (1)  | (1)  | First Amendment to Participation Agreement; Filed as part of the Registration Statement on Form N-6 via EDGAR on May 30, 2013, File No. 333-150092, Accession Number 0001193125-13-240977. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/832908/000119312513240977/d533211dex998f1.htm](https://www.sec.gov/Archives/edgar/data/832908/000119312513240977/d533211dex998f1.htm) |
|  | (2)  | (2)  | Second Amendment to Participation Agreement; Included as part of the Registration Statement on Form N-6, File No. 333-231309, filed on July 31, 2019, Accession No. 0001104659-19-042835, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/832908/000110465919042835/a19-13237_1ex99d8f2.htm](https://www.sec.gov/Archives/edgar/data/832908/000110465919042835/a19-13237_1ex99d8f2.htm) |
|  | (3) | (3) | Third 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_1ex99d8ff3.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465920112014/a20-32161_1ex99d8ff3.htm) |
| (gg) | Administrative Services Agreement with T. Rowe Price Associates, Inc. ; Included in Registrant's Form N-4, File No. 333-240070, Accession No. 0001104659-20-086243 filed on July 24, 2020, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465920086243/a20-24944_1ex99d8gg.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465920086243/a20-24944_1ex99d8gg.htm) | Administrative Services Agreement with T. Rowe Price Associates, Inc. ; Included in Registrant's Form N-4, File No. 333-240070, Accession No. 0001104659-20-086243 filed on July 24, 2020, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465920086243/a20-24944_1ex99d8gg.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465920086243/a20-24944_1ex99d8gg.htm) | Administrative Services Agreement with T. Rowe Price Associates, Inc. ; Included in Registrant's Form N-4, File No. 333-240070, Accession No. 0001104659-20-086243 filed on July 24, 2020, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465920086243/a20-24944_1ex99d8gg.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465920086243/a20-24944_1ex99d8gg.htm) |
|  | (1)  | (1)  | First Amendment to Administrative Services Agreement; Included as part of the Registration Statement on Form N-6, File No. 333-231309, filed on July 31, 2019, Accession No. 0001104659-19-042835, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/832908/000110465919042835/a19-13237_1ex99d8g1.htm](https://www.sec.gov/Archives/edgar/data/832908/000110465919042835/a19-13237_1ex99d8g1.htm) |
|  | (2)  | (2)  | Amendment to Administrative Services Agreement; Included in Registrant's Form N-6, File No. 333-231309, Accession No. 0001104659-20-047475 filed April 16, 2020, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/832908/000110465920047475/a20-9361_1ex99d8g2.htm](https://www.sec.gov/Archives/edgar/data/832908/000110465920047475/a20-9361_1ex99d8g2.htm) |
| (hh) | Participation Agreement with DFA Investment Dimensions Group Inc.; Filed as part of the Registration Statement on Form N-6 on May 9, 2019, File No. 333-231309, Accession Number 0001104659-19-028108, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/832908/000110465919028108/a19-9294_1ex99d8ww.htm](https://www.sec.gov/Archives/edgar/data/832908/000110465919028108/a19-9294_1ex99d8ww.htm) | Participation Agreement with DFA Investment Dimensions Group Inc.; Filed as part of the Registration Statement on Form N-6 on May 9, 2019, File No. 333-231309, Accession Number 0001104659-19-028108, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/832908/000110465919028108/a19-9294_1ex99d8ww.htm](https://www.sec.gov/Archives/edgar/data/832908/000110465919028108/a19-9294_1ex99d8ww.htm) | Participation Agreement with DFA Investment Dimensions Group Inc.; Filed as part of the Registration Statement on Form N-6 on May 9, 2019, File No. 333-231309, Accession Number 0001104659-19-028108, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/832908/000110465919028108/a19-9294_1ex99d8ww.htm](https://www.sec.gov/Archives/edgar/data/832908/000110465919028108/a19-9294_1ex99d8ww.htm) |

---

------

---

| | | | |
|:---|:---|:---|:---|
|  | (1) | First Amendment to the 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 [https://www.sec.gov/Archives/edgar/data/935823/000110465920112014/a20-32161_1ex99d8hh1.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465920112014/a20-32161_1ex99d8hh1.htm) | First Amendment to the 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 [https://www.sec.gov/Archives/edgar/data/935823/000110465920112014/a20-32161_1ex99d8hh1.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465920112014/a20-32161_1ex99d8hh1.htm) |
| (ii) | Participation Agreement with Vanguard Variable Insurance Fund; Filed as part of the Registration Statement on Form N-6 on May 14, 2020, File No. 333-231311, Accession Number 0001104659-20-061462, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/832908/000110465920061462/a20-19511_5ex99d8yy.htm](https://www.sec.gov/Archives/edgar/data/832908/000110465920061462/a20-19511_5ex99d8yy.htm) | Participation Agreement with Vanguard Variable Insurance Fund; Filed as part of the Registration Statement on Form N-6 on May 14, 2020, File No. 333-231311, Accession Number 0001104659-20-061462, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/832908/000110465920061462/a20-19511_5ex99d8yy.htm](https://www.sec.gov/Archives/edgar/data/832908/000110465920061462/a20-19511_5ex99d8yy.htm) | Participation Agreement with Vanguard Variable Insurance Fund; Filed as part of the Registration Statement on Form N-6 on May 14, 2020, File No. 333-231311, Accession Number 0001104659-20-061462, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/832908/000110465920061462/a20-19511_5ex99d8yy.htm](https://www.sec.gov/Archives/edgar/data/832908/000110465920061462/a20-19511_5ex99d8yy.htm) |
| (jj) | Participation Agreement with Schwab Annuity Portfolios; Filed as part of the Registration Statement on Form N-4, File No. 333-178739, Accession No. 0000950123-12-006435, filed on April 24, 2012, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000095012312006435/a60188a2exv99w8xby.htm](https://www.sec.gov/Archives/edgar/data/935823/000095012312006435/a60188a2exv99w8xby.htm) | Participation Agreement with Schwab Annuity Portfolios; Filed as part of the Registration Statement on Form N-4, File No. 333-178739, Accession No. 0000950123-12-006435, filed on April 24, 2012, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000095012312006435/a60188a2exv99w8xby.htm](https://www.sec.gov/Archives/edgar/data/935823/000095012312006435/a60188a2exv99w8xby.htm) | Participation Agreement with Schwab Annuity Portfolios; Filed as part of the Registration Statement on Form N-4, File No. 333-178739, Accession No. 0000950123-12-006435, filed on April 24, 2012, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000095012312006435/a60188a2exv99w8xby.htm](https://www.sec.gov/Archives/edgar/data/935823/000095012312006435/a60188a2exv99w8xby.htm) |
|  | (1)  | First Amendment to Fund Participation Agreement; Included in Registration Statement on Form N-4, File No. 333-178739, Accession No. 0001193125-14-147278, filed on April 17, 2014, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312514147278/d655353dex998b1.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312514147278/d655353dex998b1.htm) | First Amendment to Fund Participation Agreement; Included in Registration Statement on Form N-4, File No. 333-178739, Accession No. 0001193125-14-147278, filed on April 17, 2014, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000119312514147278/d655353dex998b1.htm](https://www.sec.gov/Archives/edgar/data/935823/000119312514147278/d655353dex998b1.htm) |
|  | (2) | Second Amendment to Fund 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_1ex99d8jj2.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465920112014/a20-32161_1ex99d8jj2.htm) | Second Amendment to Fund 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_1ex99d8jj2.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465920112014/a20-32161_1ex99d8jj2.htm) |
|  | (3) | (3) | Third Amendment to Fund Participation Agreement; Included in the Registrant's Form N-4; File No. 333-240070 Accession No. 0001104659-25-039280 filed on April 25, 2024, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465925039280/tm255215d1_ex99-xjjx3.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465925039280/tm255215d1_ex99-xjjx3.htm) |
| (kk) | Selling Agreement with PIMCO Variable Insurance Trust; Included in Registrant's Form N-4, File No. 333-184973, Accession No. 0001104659-18-18-075032 filed on December 28, 2018, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465918075032/a18-41610_1ex99dggg.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465918075032/a18-41610_1ex99dggg.htm) | Selling Agreement with PIMCO Variable Insurance Trust; Included in Registrant's Form N-4, File No. 333-184973, Accession No. 0001104659-18-18-075032 filed on December 28, 2018, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465918075032/a18-41610_1ex99dggg.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465918075032/a18-41610_1ex99dggg.htm) | Selling Agreement with PIMCO Variable Insurance Trust; Included in Registrant's Form N-4, File No. 333-184973, Accession No. 0001104659-18-18-075032 filed on December 28, 2018, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465918075032/a18-41610_1ex99dggg.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465918075032/a18-41610_1ex99dggg.htm) |
| (ll) | Service Agreement with PIMCO Variable Insurance Trust; Included in Registrant's Form N-4, File No. 333-184973, Accession No. 0001104659-18-18-075032 filed on December 28, 2018, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465918075032/a18-41610_1ex99dhhh.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465918075032/a18-41610_1ex99dhhh.htm) | Service Agreement with PIMCO Variable Insurance Trust; Included in Registrant's Form N-4, File No. 333-184973, Accession No. 0001104659-18-18-075032 filed on December 28, 2018, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465918075032/a18-41610_1ex99dhhh.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465918075032/a18-41610_1ex99dhhh.htm) | Service Agreement with PIMCO Variable Insurance Trust; Included in Registrant's Form N-4, File No. 333-184973, Accession No. 0001104659-18-18-075032 filed on December 28, 2018, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465918075032/a18-41610_1ex99dhhh.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465918075032/a18-41610_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 Registrant's Form N-4, File No. 333- 240070, Accession No. 0001104659-20-086243 filed on July 24, 2020, and incorporated by reference herein. This exhibit can be found at [http://www.sec.gov/Archives/edgar/data/935823/000110465920086243/a20-24944_1ex99d9.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465920086243/a20-24944_1ex99d9.htm) |
| (12) | **Other Opinions** |
|  | [Consent of Independent Registered Public Accounting Firm](tm2519660d1_ex99-x12.htm#a_acc001) and [Consent of Independent Auditors](tm2519660d1_ex99-x12.htm#a_aud001) |
| (13) | **Omitted Financial Statements** |
|  | Inapplicable |
| (14) | **Initial Capital Agreements** |
|  | Inapplicable |
| (15) | **Powers of Attorney;** Included in the 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;** Included in the Registrant's Form N-4; File No. 333-240070 Accession No. 0001104659-25-039280 filed on April 25, 2025, and incorporated by reference herein. This exhibit can be found at [https://www.sec.gov/Archives/edgar/data/935823/000110465925039280/tm255215d1_ex99-x16.htm](https://www.sec.gov/Archives/edgar/data/935823/000110465925039280/tm255215d1_ex99-x16.htm)<br>|
| EX-101.SCH XBRL TAXONOMY EXTENSION SCHEMA<br> EX-101.DEF XBRL TAXONOMY EXTENSION DEFINITION LINKBASE<br> EX-101.LAB XBRL TAXONOMY EXTENSION LABEL LINKBASE<br> EX-101.PRE XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE | EX-101.SCH XBRL TAXONOMY EXTENSION SCHEMA<br> EX-101.DEF XBRL TAXONOMY EXTENSION DEFINITION LINKBASE<br> EX-101.LAB XBRL TAXONOMY EXTENSION LABEL LINKBASE<br> 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 | Executive Vice President |
| Carol J. Krosky | Senior Vice President and Chief Accounting Officer |
| Starla Yamauchi | Vice President and Secretary |
| Craig W. Leslie | Senior Vice President and Treasurer |

---

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

700 Newport Center Drive Newport Beach, California 92660

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

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

#### PACIFIC LIFE, SUBSIDIARIES & AFFILIATED ENTERPRISES

#### LEGAL STRUCTURE

---

| | |
|:---|:---|
| **Jurisdiction of Incorporation**  | **Percentage of**  |

---

------

---

| | | |
|:---|:---|:---|
| | **or Organization** | **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 Wardman Member, LLC | Delaware | 100 |
| Wardman Hotel Owner, L.L.C. | Delaware | 100 |
| PL Peoria Member, LLC | Delaware | 100 |
| 205 Peoria Street Owner, LLC | Delaware | 100 |
| PL Stonebriar Member, LLC  | Delaware | 100 |
| Stonebriar Apartment Investor, LLC  | Delaware | 90 |
| PL Deer Run Member, LLC  | Delaware | 100 |
| Deer Run JV LLC | Delaware | 60 |
| Deer Run Spokane LLC | Washington | 99.99 |
| PL Tessera Member, LLC | Delaware | 100 |
| Tessera Venture LLC | Delaware | 90 |
| Tessera Owner LLC | Delaware | 100 |
| PL Vantage Member, LLC  | Delaware | 100 |
| Vantage Post Oak Apartments, LLC | Delaware | 90 |

---

------

---

| | | |
|:---|:---|:---|
| PL Fairfax Gateway Member, LLC  | Delaware | 100 |
| Fairfield Fairfax Gateway LLC | Delaware | 90 |
| PL Four Westlake Owner, LLC | Delaware | 100 |
| PL 922 Washington Owner, LLC  | Delaware | 100 |
| PL Hana Place Member, LLC | Delaware | 100 |
| Hana Place JV LLC | Delaware | 60 |
| PL LasCo Owner, LLC | Delaware | 100 |
| PL Wilshire Member, LLC | Delaware | 100 |
| Wilshire Apartment Investors, LLC  | Delaware | 90 |
| 1111 Wilshire Apartment Investors, LLC | Delaware | 100 |
| PL Cedarwest Member, LLC | Delaware | 100 |
| Cedarwest JV LLC  | Delaware | 60 |
| PL Tupelo Member, LLC | Delaware | 100 |
| Tupelo Alley Apartment Investors, LLC  | Delaware | 90 |
| Tupelo Alley Owner, LLC | Delaware | 100 |
| PL Aster Member, LLC | Delaware | 100 |
| Alston Manor Investors JV LLC  | Delaware | 90 |
| PL Anthology Member, LLC  | Delaware | 100 |
| Anthology Venture LLC | Delaware | 100 |
| Anthology Owner LLC | Delaware | 100 |
| Anthology CEA Owner LLC | Delaware | 100 |
| PL Trelago Member, LLC  | Delaware | 100 |
| Trelago Way Investors JV LLC | Delaware | 100 |
| PL 803 Division Street Member, LLC  | Delaware | 100 |
| Nashville Gulch Venture LLC | Delaware | 100 |
| Nashville Gulch Owner LLC | Delaware | 100 |
| PL Little Italy Member, LLC  | Delaware | 100 |
| Little Italy Apartments LLC | Delaware | 69.1848 |
| PL Gramax Member, LLC  | Delaware | 100 |
| ASI Gramax LLC | Delaware | 90 |
| PL Walnut Creek Member, LLC  | Delaware | 100 |
| Del Hombre Walnut Creek Holdings LLC | Delaware | 75 |
| PL Dairies Owner, LLC | Delaware | 100 |
| PL SFR HD Member, LLC | Delaware | 100 |
| SFR JV-HD LP | Delaware | 33.333 |
| SFR JV-HD TL Equity A LLC | Delaware | 100 |
| SFR JV-HD TL Borrower A LLC | Delaware | 100 |
| SFR JV-HD TL Equity B LLC | Delaware | 100 |
| SFR JV-HD TL Borrower B LLC | Delaware | 100 |
| SFR JV-HD Equity LCC | Delaware | 100 |
| SFR JV-HD Property LLC | Delaware | 100 |
| PL Adley Member, LLC | Delaware | 100 |
| Redwood PL Adley LLC | Delaware | 90 |
| DD 6075 Roswell LLC | Georgia | 100 |
| PL GAAV Member, LLC | Delaware | 100 |
| Greystar Active Adult Venture I, LP | Delaware | 45 |
| GS AA Draper HoldCo, LLC | Delaware | 100 |
| GS AA Draper Owner, LLC | Delaware | 100 |
| GS AA Village5 HoldCo, LLC | Delaware | 100 |
| GS AA Village5 Owner, LLC | Delaware | 100 |
| GS AA Avenu Natick HoldCo, LLC | Delaware | 100 |
| GS AA Avenu Natick Owner, LLC | Delaware | 100 |
| GS AA Riverwalk HoldCo, LLC | Delaware | 100 |
| GS AA Riverwalk Owner, LLC | Delaware | 100 |
| GS AA Stapleton HoldCo, LLC | Delaware | 100 |
| GS AA Stapleton Owner, LLC | Delaware | 100 |
| GS AA San Marcos HoldCo, LLC | Delaware | 100 |
| GS AA San Marcos Owner, LLC | Delaware | 100 |
| GS AA Vistas HoldCo LLC | Delaware | 100 |
| GS AA Vistas Owner LLC | Delaware | 100 |
| GS AA Kierland HoldCo LLC | Delaware | 100 |

---

------

---

| | | |
|:---|:---|:---|
| GS AA Kierland Owner LLC | Delaware | 100 |
| GS AA Naperville HoldCo, LLC | Delaware | 100 |
| GS AA Naperville Owner, LLC | Delaware | 100 |
| PL Fountain Springs Member, LLC | Delaware | 100 |
| Fountain Springs JV LLC | Delaware | 80 |
| Fountain Springs LLC | Colorado | 100 |
| PL SFR MLS Member, LLC | Delaware | 100 |
| SFR JV-2 LP | Delaware | 16.129 |
| SFR JV-2 2022-1 Equity Owner LLC | Delaware | 100 |
| SFR JV-2 2022-1 Borrower LLC | Delaware | 100 |
| SFR JV-2 2022-1 Depositor LLC | Delaware | 100 |
| SFR JV-2 2022-2 Equity Owner LLC | Delaware | 100 |
| SFR JV-2 2022-2 Borrower LLC | Delaware | 100 |
| SFR JV-2 2022-2 Depositor LLC | Delaware | 100 |
| SFR JV-2 DDTL Equity LLC | Delaware | 100 |
| SFR JV-2 DDTL Borrower LLC | Delaware | 100 |
| SFR JV-2 NTL Equity LLC | Delaware | 100 |
| SFR JV-2 NTL Borrower LLC | Delaware | 100 |
| SFR JV-2 2023-1 Equity Owner LLC | Delaware | 100 |
| SFR JV-2 2023-1 Borrower LLC | Delaware | 100 |
| SFR JV-2 2023-1 Depositor LLC | Delaware | 100 |
| SFR JV-2 Equity LLC | Delaware | 100 |
| SFR JV-2 Property LLC | Delaware | 100 |
| PL Hawkins Press Member, LLC | Delaware | 100 |
| Hawkins Press Investors JV, LLC | Delaware | 85 |
| PL Wilder Member, LLC | Delaware | 100 |
| Redwood PL Wilder, LLC | Delaware | 90 |
| RPL Wilder, LLC | Delaware | 100 |
| PL Allston Yard Member, LLC | Delaware | 100 |
| Allston Yards Apartments, LLC | Delaware | 80 |
| PL Arkins Member, LLC | Delaware | 100 |
| 2950 Arkins Owner, LLC | Delaware | 90 |
| 2950 Arkins Commercial, LLC | Delaware | 100 |
| 2950 Arkins Residential, LLC | Delaware | 100 |
| PL Bromwell Member, LLC | Delaware | 100 |
| Bromwell Investors LLC | Delaware | 90 |
| Bromwell Owner LLC | Delaware | 100 |
| PL Loso Member, LLC | Delaware | 100 |
| South & Hollis Investors JV LLC | Delaware | 85 |
| KA Loso Investors LLC | Delaware | 73.743 |
| KA LOSO Holdings LLC | Delaware | 100 |
| PL Tranquility Lake Member, LLC | Delaware | 100 |
| Tranquility Lake Apartment Partners, LLC | Delaware | 90 |
| Tranquility Lake Apartments, LLC | Delaware | 100 |
| PL Milieu Guarantor, LLC | Delaware | 100 |
| PL Park Row Member, LLC | Delaware | 100 |
| Park Row Apartment Partners, LLC | Delaware | 90 |
| Park Row Apartments, LLC | Delaware | 100 |
| PL Towerview Member, LLC | Delaware | 100 |
| Preston Ridge Holdings JV LLC | Delaware | 85 |
| PL DTC Member, LLC | Delaware | 100 |
| Legacy/PL DTC JV LLC | Delaware | 90 |
| Legacy DTC Owner LLC | Delaware | 100 |
| PL Monte Vista Member, LLC | Delaware | 100 |
| Monte Vista JV LLC | Delaware | 79.984 |
| Monte Vista Preservation LP | California | 99.98 |
| PL 315 Elden Member, LLC | Delaware | 100 |
| 315 Elden Multifamily JV Investors LLC | Delaware | 90 |
| 315 Elden Street Multifamily Partners LLC | Delaware | 80 |
| 315 Elden Street Owner LLC | Delaware  | 100 |
| PL 400k Member, LLC | Delaware | 100 |

---

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---

| | | |
|:---|:---|:---|
| 400 K Street, LLC | Delaware | 49.9 |
| PL 440k Member, LLC | Delaware | 100 |
| 440 K Street, LLC | Delaware | 49.9 |
| PL Fusion Member, LLC | Delaware | 100 |
| Fusion MF Venture LLC | Delaware | 90 |
| PL Heather Estates Member, LLC | Delaware | 100 |
| Heather Estates JV LLC | Delaware | 80 |
| PL Canyon Park Member, LLC | Delaware | 100 |
| Canyon Park JV LLC | Delaware | 80 |
| PL Alta Vista Newcastle MF Member, LLC | Delaware | 100 |
| Alta Vista Newcastle Multifamily JV Investor LLC | Delaware | 90 |
| Alta Vista Newcastle Multifamily Partners LLC | Delaware | 90 |
| Lost Spurs Owner LLC | Delaware | 100 |
| Village at Bellaire Owner LLC | Delaware | 100 |
| PL Del Sol Member, LLC | Delaware | 100 |
| Bradbury/Felix Investors, LLC | Delaware | 95 |
| PL Evo Union Member, LLC | Delaware | 100 |
| Evo Union Park Venture, LLC | Delaware | 87.5 |
| Evo Union Park Property Owner, LLC | Delaware | 100 |
| PL Radian Member, LLC | Delaware | 100 |
| Radian Partners Group LLC | Delaware | 66.5 |
| Radian Partners Property Owner LLC | Delaware | 100 |
| PL Reed Row Member, LLC | Delaware | 100 |
| KJ Florida Avenue JV LLC | Delaware | 85 |
| KJ Florida Avenue Property LLC | Delaware | 100 |
| PL Brightleaf Member, LLC | Delaware | 100 |
| Brightleaf Venture LLC | Delaware | 90 |
| Brightleaf Owner LLC | Delaware | 100 |
| PL Highgate Member, LLC | Delaware | 100 |
| Amherst Investors JV LLC | Delaware | 95 |
| KPL Amherst Owner LLC | Delaware | 100 |
| PL Town Center Member, LLC | Delaware | 100 |
| Town Center MF Venture LLC | Delaware | 90 |
| PL East County Road Owner, LLC | Delaware | 100 |
| WW 1300 Keller Parkway LLC | Delaware | 100 |
| PL Pretium Trust Owner, LLC | Delaware | 100 |
| PL 283 Commerce Member, LLC | Delaware | 100 |
| 283 Commerce Hub Venture, LLC | Delaware | 90 |
| PL Sky Member, LLC | Delaware | 100 |
| Sky JV LLC | Delaware | 75 |
| Sky Owner LLC | Delaware | 100 |
| PL Dean Member, LLC | Delaware | 100 |
| Dean Investor, LLC | Delaware | 100 |
| PREG San Antonio Apartments, LP | California | 22.75 |
| San Antonio Apartments, LLC | California | 100 |
| PL Hadley Member, LLC | Delaware | 100 |
| Hadley Investor, LLC | Delaware | 100 |
| 525 East Evelyn, LP | California | 19 |
| Hadley Apartments, LLC | California | 100 |
| PL Metropolitan Member, LLC | Delaware | 100 |
| Metropolitan Investor, LL | Delaware | 100 |
| San Mateo West, a California Limited Partnership | California | 39 |
| PL Moreland Member, LLC | Delaware | 100 |
| Moreland Investor, LLC | Delaware | 100 |
| Fourth Avenue, LLC | California | 36 |
| SNB HoldCo, LLC | Delaware | 100 |
| SNB 116 Owner, LLC | Delaware | 100 |
| SNB 120 Owner, LLC | Delaware | 100 |
| SNB 124/125 Owner, LLC | Delaware | 100 |
| SNB 540 Hotel Owner, LLC | Delaware | 100 |
| PL Bala Cynwyd Member, LLC | Delaware | 100 |

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| | | |
|:---|:---|:---|
| Bala Cynwyd Holdings LLC | Delaware | 90 |
| PL Trimble Member, LLC | Delaware | 100 |
| Trimble Building A Holdings LLC | Delaware | 95 |
| PL Highridge Member, LLC | Delaware | 100 |
| Peacock Ridge Apartments Partners LLC | Delaware | 90 |
| Peacock Ridge Apartments LLC | Delaware | 100 |
| PL Troy Tower Owner, LLC | Delaware | 100 |
| PL CorAm LLC | Delaware | 100 |
| PL Ascend Member, LLC | Delaware | 100 |
| PL Marina Shores Member, LLC | Delaware | 100 |
| PL Aptakisic Member, LLC | Delaware | 100 |
| Aptakisic Road Venture, LLC | Delaware | 95 |
| Confederation Life Insurance and Annuity Company | Georgia | 100 |
| Pacific Global Asset Management LLC <br>*(Formerly known as Pacific Asset Advisors LLC)*  | Delaware | 100 |
| Pacific Global Advisors LLC | Delaware | 100 |
| Pacific Private Fund Advisors LLC | Delaware | 100 |
| Pacific Co-Invest Credit I GP LLC # | Delaware | 100 |
| Pacific Co-Invest Credit II GP LLC # | Delaware | 100 |
| Pacific Co-Invest Opportunities I GP LLC # | Delaware | 100 |
| Pacific Co-Invest Opportunities II GP LLC # | Delaware | 100 |
| Pacific Private Credit II GP LLC # | Delaware | 100 |
| Pacific Private Credit III GP LLC # | Delaware | 100 |
| Pacific Private Credit IV GP LLC # | Delaware | 100 |
| Pacific Private Credit V GP LLC # | Delaware | 100 |
| *Pacific Private Credit Opportunities II GP LLC *#* | Delaware | 100 |
| Pacific Private Equity I GP LLC # | Delaware | 100 |
| Pacific Private Equity Opportunities II GP LLC # | Delaware | 100 |
| Pacific Private Equity Opportunities III GP LLC # | Delaware | 100 |
| Pacific Private Equity Opportunities V GP LLC # | Delaware | 100 |
| Pacific Private Feeder III GP, LLC # | Delaware | 100 |
| Pacific Private Feeder IV GP, LLC # | Delaware | 100 |
| Pacific Private Equity Opportunities IV GP LLC # | Delaware | 100 |
| PPFA Credit Opportunities I GP LLC #  | Delaware | 100 |
| *CAA-PPFA Equity Opportunities I GP LLC *#* | Delaware | 100 |
| CAA-PPFA Opportunities II GP LLC # | Delaware | 100 |
| Pacific Private Equity Opportunities Fund II-B, LLC # | Delaware | 0.01 |
| *Pacific Private Equity II GP LLC *#* | Delaware | 100 |
| Pacific Private Equity II-A GP LLC # | Delaware | 100 |
| Pacific Private Equity Opportunities VI GP LLC # | Delaware | 100 |
| Pacific Life Fund Advisors LLC  | Delaware | 100 |
| Pacific Life Trade Receivable GP LLC #<br>*(Formerly known as PAM Trade Receivable GP LLC)* | Delaware | 100 |
| Pacific Alliance Reinsurance Company of Vermont | Vermont | 100 |
| Pacific Baleine Reinsurance Company | Vermont | 100 |
| Pacific Private Equity Incentive Allocation LLC | Delaware | 100 |
| Pacific Life & Annuity Services, Inc. | Missouri | 100 |
| Pacific Life Re Holdings LLC  | Delaware | 100 |
| Pacific Life Re Global Limited<br>*(Formerly known as Pacific Life Reinsurance (Barbados) Ltd.)* | Bermuda | 100 |
| Pacific Life Re International Limited | Bermuda | 100 |
| Pacific Life Re (Australia) Pty Limited | Australia | 100 |
| Pacific Life Re Holdings Limited | England | 100 |
| Pacific Life Re Limited | England | 100 |
| Pacific Life Holdings Bermuda Limited | Bermuda | 100 |
| Pacific Life Re (Shanghai) Information Consulting Services Co., Ltd. | China | 100 |
| Pacific Life Services Bermuda Limited | Bermuda | 100 |
| Pacific Life Re Services Singapore Pte. Limited | Singapore | 100 |
| Pacific Life Re Services Limited | England | 100 |
| UnderwriteMe Limited | England | 100 |
| UnderwriteMe Technology Solutions Limited | England | 100 |

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| | | | | |
|:---|:---|:---|:---|:---|
|  |  | UnderwriteMe North America Corp. | Delaware | 100 |
|  | UnderwriteMe Australia Pty Limited | UnderwriteMe Australia Pty Limited | Australia | 100 |
| Pacific Life Services Canada Limited | Pacific Life Services Canada Limited | Pacific Life Services Canada Limited | Canada | 100 |

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__________________________________

# = 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.**

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#### 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(b) for effectiveness of this Registration Statement and has caused this Post-Effective Amendment No. 15 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 18<sup>th</sup> day of August, 2025.

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| | |
|:---|:---|
| 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. 15 to the Registration Statement has been signed below by the following persons in the capacities and on the dates indicated:

---

| | | | |
|:---|:---|:---|:---|
| **Signature** | **Signature** | **Title** | **Date** |
|  |  | Director, Chairman, President, and Chief Executive Officer | August 18, 2025 |
| Darryl D. Button\* | Darryl D. Button\* | Director, Chairman, President, and Chief Executive Officer |  |
|  |  | Director, Executive Vice President and Chief Financial Officer | August 18, 2025 |
| Vibhu R. Sharma\* | Vibhu R. Sharma\* | Director, Executive Vice President and Chief Financial Officer |  |
|  |  | Director, Executive Vice President, General Counsel and Assistant Secretary | August 18, 2025 |
| Jason Orlandi\* | Jason Orlandi\* | Director, Executive Vice President, General Counsel and Assistant Secretary |  |
|  |  | Vice President and Secretary | August 18, 2025 |
| Starla C. Yamauchi\* | Starla C. Yamauchi\* | Vice President and Secretary |  |
|  |  | Senior Vice President and Chief Accounting Officer | August 18, 2025 |
| Carol J. Krosky\* | Carol J. Krosky\* | Senior Vice President and Chief Accounting Officer |  |
|  |  | Executive Vice President | August 18, 2025 |
| Dawn M. Behnke\* | Dawn M. Behnke\* | Executive Vice President |  |
|  |  | Senior Vice President and Treasurer | August 18, 2025 |
| Craig W. Leslie\* | Craig W. Leslie\* | Senior Vice President and Treasurer |  |
| \*By: | /s/ ALISON RYAN |  | August 18, 2025 |
|  | Alison Ryan |  |  |
|  | as attorney-in-fact |  |  |

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<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)

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## 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. 333-240070 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, appearing 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<br> August 18, 2025

**CONSENT OF INDEPENDENT AUDITORS**

We consent to the incorporation by reference in this Post-Effective Amendment to the Registration Statement No. 333-240070 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, appreaing 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

August 18, 2025