Document:

DCA Plus Fixed Option Rider

 EXHIBIT (4).(p) 
  

		
	 	 	 [LOGO OF PACIFIC LIFE]
 Pacific Life Insurance Company
 700 Newport Center Drive
 Newport Beach, CA 92660
 A Stock Company

  
 DCA PLUS FIXED
OPTION RIDER 
  
 Pacific Life Insurance Company has issued this Rider
as a part of the annuity Contract to which it is attached. 
  
 All provisions of
the Contract that do not conflict with this Rider apply to this Rider. In the event of any conflict between the provisions of this Rider and the provisions of the Contract, the provisions of this Rider shall prevail over the provisions of the
Contract. 
  
 This Rider adds an additional Investment Option to the Contract
called the “DCA Plus Fixed Option”. There is no charge for this additional Investment Option. 
  
 Definition of Terms – Unless redefined below, the terms defined in the Contract will have the same meaning when used in this Rider. For
purposes of this Rider, the following definitions apply: 
  
 Contract Value – As of the end of any Business Day, the Contract Value is equal to: 
  

	 	•	 	the Contract Value as defined in the Contract; plus 

	 	•	 	the DCA Plus Fixed Option Value; plus 

	 	•	 	the value of any other Investment Option added to the Contract by rider or endorsement. 

  
 DCA Plus Fixed Option – An Investment Option to which Purchase Payments (or portions thereof) may be
allocated in accordance with the terms of this Rider. Amounts allocated to the DCA Plus Fixed Option are held in our General Account and receive interest at rates declared periodically (the “Guaranteed Interest Rate”), but not less than an
annual rate of 3%. 
  
 DCA Plus Fixed Option Value
– The portion of the Contract Value allocated to the DCA Plus Fixed Option as further defined in this Rider. 
  
 Guaranteed Interest Rate – The effective annual rate of interest in effect at the time a Purchase Payment (or portion thereof) is
allocated to the DCA Plus Fixed Option during the Guarantee Term. This rate will not be less than an annual rate of 3%. 
  
 Guarantee Term – The period during which the amounts you allocate to the DCA Plus Fixed Option earns a specified Guaranteed Interest
Rate. 
  
 Investment Option – Each Investment
Option as defined in the Contract, the DCA Plus Fixed Option or any other Investment Option added to the Contract by rider or endorsement. 
  
 DCA Plus Program – Under the DCA Plus program, you authorize, in a form satisfactory to us, the automatic transfer of amounts at monthly intervals from
the DCA Plus Fixed Option to one or more Variable Investment Options over a period of up to one (1) year. We reserve the right to change the terms and conditions of the DCA Plus program at any time. 
  
 DCA Plus Fixed Option – Prior to the Annuity Date, you may allocate all or
part of a Purchase Payment to the DCA Plus Fixed Option. The minimum Initial Purchase Payment allocation to the DCA Plus Fixed Option may not be less than $5,000. Each subsequent Purchase Payment allocation to the DCA Plus Fixed Option may not be
less than $250. 
  

 1 

 The Initial Purchase Payment (or any portion thereof) allocated to the DCA Plus Fixed Option will begin a Guarantee Term
of a duration (of up to one year) selected by you from among those currently being offered by us. Only one Guarantee Term under the DCA Plus Fixed Option may be in effect at any time. 
  
 Amounts allocated to the DCA Plus Fixed Option are held in our General Account and receive interest at rates declared periodically by us.
Subject to applicable law, we have sole discretion over the investment of our General Account assets. 
  
 Crediting of Interest – We will credit interest at the applicable Guaranteed Interest Rate during the Guarantee Term on amounts allocated to the DCA Plus Fixed Option, while the Annuitant is living
and the Contract is in force. 
  
 The Initial Purchase Payment allocation to the
DCA Plus Fixed Option will be credited with interest at the Guaranteed Interest Rate in effect at the start of the Guarantee Term and will remain in effect for that Purchase Payment until the Guarantee Term ends. 
  
 Subsequent Purchase Payments (or portions thereof) allocated to the DCA Plus Fixed Option
will be credited with interest at the Guaranteed Interest Rate then in effect on the Business Day that the allocation is effective and will remain in effect for that Purchase Payment until the Guarantee Term ends. 
  
 We will stop crediting interest on that portion of the DCA Plus Fixed Option Value that is
withdrawn, transferred (including transfers to the Loan Account), or applied to provide an annuity, including any: 
  

	 	•	 	fees for withdrawals and/or transfers; 

	 	•	 	withdrawal charges; 

	 	•	 	annual fees; 

	 	•	 	charges for premium taxes and/or other taxes; and 

	 	•	 	proportionate reductions for annual charges for expenses relating to optional benefit riders attached to the Contract. 

  
 We do so as of the end of the Business Day any such transaction is effective. 
  
 DCA Plus Fixed Option Value: The DCA Plus Fixed Option Value on any Business Day is
the DCA Plus Fixed Option Value on the prior Business Day, increased by any additions to the DCA Plus Fixed Option on that day as a result of any: 
  

	 	•	 	interest; plus 

	 	•	 	Purchase Payments received by us and allocated to the DCA Plus Fixed Option; plus 

	 	•	 	any additional amounts allocated to the DCA Plus Fixed Option, including any Credit Enhancements, if applicable. 

  
 and decreased by any deductions from the DCA Plus Fixed Option on that day as a result of
any: 
  

	 	•	 	transfers, including transfers to the Loan Account; 

	 	•	 	withdrawals, including any applicable withdrawal charges; 

	 	•	 	fees for withdrawals and/or transfers; 

	 	•	 	amounts applied to provide an annuity; 

	 	•	 	annual fees; 

	 	•	 	recapture of any Credit Enhancements; 

	 	•	 	charges for premium taxes and/or other taxes; and 

	 	•	 	proportionate reductions for annual charges for expenses relating to optional benefit riders attached to the Contract. 

  
 Transfer of DCA Plus Fixed Option Value – The first monthly transfer from
the DCA Plus Fixed Option to the Variable Investment Options you have selected will start on the same Business Day of the month following the start of the Guarantee Term. Subsequent transfers will be made on the same day of each month thereafter,
until the Guarantee Term ends. 
  

 2 

 The amount of each transfer will be equal to the DCA Plus Fixed Option Value on the day of transfer divided by the
remaining number of transfers in the Guarantee Term. At the end of the Guarantee Term, transfers to the selected Variable Investment Options will end and the provisions of this Rider will cease to be operative, unless a new Guarantee Term is
established. 
  
 No Transfers to the DCA Plus Fixed Option – No
transfers may be made from any other Investment Option to the DCA Plus Fixed Option. 
  
 Establishment of New Guarantee Term – Prior to the Annuity Date, you may request a new Guarantee Term only after the existing Guarantee Term has ended. Any new Guarantee Term will be of a duration (of up to one year) selected by
you from among those currently being offered by us at such time and will be subject to the provisions of this rider. 
  
 Delay of Payments – We may delay payments or transfers from our General Account (which would include payment of the withdrawal proceeds and transfers from the
DCA Plus Fixed Option, loans, fixed annuity payments and lump sum death benefit payments, unless state law requires otherwise) for up to six (6) months after the requested effective date of the transaction. Any amount delayed, so long as it is held
under the DCA Plus Fixed Option, will continue to earn interest at the Guaranteed Interest Rate(s) then in effect until the applicable Guaranteed Term in effect has ended, and not less than 3% on an annual basis thereafter while any delay continues.

  
 If you make any Purchase Payment by check, other than a cashier’s check,
we may delay making payments to you until your check has cleared. 
  
 Annuitization – Any net amount you convert to a fixed annuity will be held in our General Account (but not under the DCA Plus Fixed Option). 
  
 The Net Contract Value, less any charges for premium taxes and/or other taxes, when converted, will, subject to our minimum requirements, be
converted as follows: 
  

	 	•	 	the net amount from the DCA Plus Fixed Option Value will be converted to a fixed annuity and held in our General Account; and 

  

	 	•	 	the net amount from the Variable Account Value will be applied to a variable annuity and applied to the Subaccounts in proportion to the Account Value in each Subaccount on the
Annuity Date. 

  
 Continuation of Rider if Surviving Spouse
Continues Contract – If the Owner dies while transfers are being made from the DCA Plus Fixed Option and if the surviving spouse of the deceased Owner elects to continue the Contract in accordance with its terms, then such transfers will
continue to be made from the DCA Plus Fixed Option to the selected Variable Investment Options, until the Guarantee Term ends. 
  
 At the end of the Guarantee Term, the provisions of this Rider will cease to be operative, unless a new Guarantee Term is established. The DCA Plus Fixed Option will
remain as an available Investment Option to which Purchase Payments (or portions thereof) may be allocated. 
  
 Termination of Rider – Except as otherwise provided under the Continuation of Rider if Surviving Spouse Continues Contract provision of this Rider, this Rider will terminate upon the earliest to
occur of one of the following events: 
  

	 	(a)	 	the date death benefit proceeds become payable under the Contract; 

  

	 	(b)	 	the date the Contract is terminated; or 

  

	 	(c)	 	the Annuity Date. 

  
  

 3 

 Effective Date – This Rider is effective as of the Contract Date, unless a later date is shown below.

  
 Effective Date: [Date] 
  
 All other terms and conditions of the Contract remain unchanged by this Rider. 
  
 PACIFIC LIFE INSURANCE COMPANY 
  

	/s/     THOMAS C. SUTTON	 	/s/     AUDREY L. MILFS
	Chairman and Chief Executive Officer	 	Secretary

  

 4DCA Plus Fixed Option Rider

 EXHIBIT (4).(s) 
  
  

		
	 	 	 [LOGO OF PACIFIC LIFE]
 Pacific Life Insurance Company
 700 Newport Center Drive
 Newport Beach, CA 92660
 A Stock Company

  
 DCA PLUS FIXED
OPTION RIDER 
  
 Pacific Life Insurance Company has issued this Rider
as a part of the annuity Contract to which it is attached. 
  
 All provisions of
the Contract that do not conflict with this Rider apply to this Rider. In the event of any conflict between the provisions of this Rider and the provisions of the Contract, the provisions of this Rider shall prevail over the provisions of the
Contract. 
  
 This Rider adds an additional Investment Option to the Contract
called the “DCA Plus Fixed Option”. There is no charge for this additional Investment Option. 
  
 Definition of Terms – Unless redefined below, the terms defined in the Contract will have the same meaning when used in this Rider. For
purposes of this Rider, the following definitions apply: 
  
 Contract Value – As of the end of any Business Day, the Contract Value is equal to: 
  

	 	•	 	the Contract Value as defined in the Contract; plus 

	 	•	 	the DCA Plus Fixed Option Value; plus 

	 	•	 	the value of any other Investment Option added to the Contract by rider or endorsement. 

  
 DCA Plus Fixed Option – An Investment Option to which Purchase Payments (or portions thereof) may be
allocated in accordance with the terms of this Rider. Amounts allocated to the DCA Plus Fixed Option are held in our General Account and receive interest at rates declared periodically (the “Guaranteed Interest Rate”), but not less than an
annual rate of 3%. 
  
 DCA Plus Fixed Option Value
– The portion of the Contract Value allocated to the DCA Plus Fixed Option as further defined in this Rider. 
  
 Guaranteed Interest Rate – The effective annual rate of interest in effect at the time a Purchase Payment (or portion thereof) is
allocated to the DCA Plus Fixed Option during the Guarantee Term. This rate will not be less than an annual rate of 3%. 
  
 Guarantee Term – The period during which the amounts you allocate to the DCA Plus Fixed Option earns a specified Guaranteed Interest
Rate. 
  
 Investment Option – Each Investment
Option as defined in the Contract, the DCA Plus Fixed Option or any other Investment Option added to the Contract by rider or endorsement. 
  
 DCA Plus Program – Under the DCA Plus program, you authorize, in a form satisfactory to us, the automatic transfer of amounts at monthly intervals from
the DCA Plus Fixed Option to one or more Variable Investment Options over a period of up to one (1) year. We reserve the right to change the terms and conditions of the DCA Plus program at any time. 
  
 DCA Plus Fixed Option – Prior to the Annuity Date, you may allocate all or
part of a Purchase Payment to the DCA Plus Fixed Option. The minimum Initial Purchase Payment allocation to the DCA Plus Fixed Option may not be less than $5,000. Each subsequent Purchase Payment allocation to the DCA Plus Fixed Option may not be
less than $250. 
  

 1 

 The Initial Purchase Payment (or any portion thereof) allocated to the DCA Plus Fixed Option will begin a Guarantee Term
of a duration (of up to one year) selected by you from among those currently being offered by us. Only one Guarantee Term under the DCA Plus Fixed Option may be in effect at any time. 
  
 Amounts allocated to the DCA Plus Fixed Option are held in our General Account and receive interest at rates declared periodically by us.
Subject to applicable law, we have sole discretion over the investment of our General Account assets. 
  
 Crediting of Interest – We will credit interest at the applicable Guaranteed Interest Rate during the Guarantee Term on amounts allocated to the DCA Plus Fixed Option, while the Annuitant is living
and the Contract is in force. 
  
 The Initial Purchase Payment allocation to the
DCA Plus Fixed Option will be credited with interest at the Guaranteed Interest Rate in effect at the start of the Guarantee Term and will remain in effect for that Purchase Payment until the Guarantee Term ends. 
  
 Subsequent Purchase Payments (or portions thereof) allocated to the DCA Plus Fixed Option
will be credited with interest at the Guaranteed Interest Rate then in effect on the Business Day that the allocation is effective and will remain in effect for that Purchase Payment until the Guarantee Term ends. 
  
 We will stop crediting interest on that portion of the DCA Plus Fixed Option Value that is
withdrawn, transferred (including transfers to the Loan Account), or applied to provide an annuity, including any: 
  

	 	•	 	fees for withdrawals and/or transfers; 

	 	•	 	withdrawal charges; 

	 	•	 	annual fees; 

	 	•	 	charges for premium taxes and/or other taxes; and 

	 	•	 	proportionate reductions for annual charges for expenses relating to optional benefit riders attached to the Contract. 

  
 We do so as of the end of the Business Day any such transaction is effective. 
  
 DCA Plus Fixed Option Value: The DCA Plus Fixed Option Value on any Business Day is
the DCA Plus Fixed Option Value on the prior Business Day, increased by any additions to the DCA Plus Fixed Option on that day as a result of any: 
  

	 	•	 	interest; plus 

	 	•	 	Purchase Payments received by us and allocated to the DCA Plus Fixed Option; plus 

	 	•	 	any additional amounts allocated to the DCA Plus Fixed Option, including any Credit Enhancements, if applicable. 

  
 and decreased by any deductions from the DCA Plus Fixed Option on that day as a result of
any: 
  

	 	•	 	transfers, including transfers to the Loan Account; 

	 	•	 	withdrawals, including any applicable withdrawal charges; 

	 	•	 	fees for withdrawals and/or transfers; 

	 	•	 	amounts applied to provide an annuity; 

	 	•	 	annual fees; 

	 	•	 	recapture of any Credit Enhancements; 

	 	•	 	charges for premium taxes and/or other taxes; and 

	 	•	 	proportionate reductions for annual charges for expenses relating to optional benefit riders attached to the Contract. 

  
 Transfer of DCA Plus Fixed Option Value – The first monthly transfer from
the DCA Plus Fixed Option to the Variable Investment Options you have selected will start on the same Business Day of the month following the start of the Guarantee Term. Subsequent transfers will be made on the same day of each month thereafter,
until the Guarantee Term ends. 
  

 2 

 The amount of each transfer will be equal to the DCA Plus Fixed Option Value on the day of transfer divided by the
remaining number of transfers in the Guarantee Term. At the end of the Guarantee Term, transfers to the selected Variable Investment Options will end and the provisions of this Rider will cease to be operative, unless a new Guarantee Term is
established. 
  
 No Transfers to the DCA Plus Fixed Option – No
transfers may be made from any other Investment Option to the DCA Plus Fixed Option. 
  
 Establishment of New Guarantee Term – Prior to the Annuity Date, you may request a new Guarantee Term only after the existing Guarantee Term has ended. Any new Guarantee Term will be of a duration (of up to one year) selected by
you from among those currently being offered by us at such time and will be subject to the provisions of this rider. 
  
 Delay of Payments – We may delay payments or transfers from our General Account (which would include payment of the withdrawal proceeds and transfers from the
DCA Plus Fixed Option, loans, fixed annuity payments and lump sum death benefit payments, unless state law requires otherwise) for up to six (6) months after the requested effective date of the transaction. Any amount delayed, so long as it is held
under the DCA Plus Fixed Option, will continue to earn interest at the Guaranteed Interest Rate(s) then in effect until the applicable Guaranteed Term in effect has ended, and not less than 3% on an annual basis thereafter while any delay continues.

  
 If you make any Purchase Payment by check, other than a cashier’s check,
we may delay making payments to you until your check has cleared. 
  
 Annuitization – Any net amount you convert to a fixed annuity will be held in our General Account (but not under the DCA Plus Fixed Option). 
  
 The Net Contract Value, less any charges for premium taxes and/or other taxes, when converted, will, subject to our minimum requirements, be
converted as follows: 
  

	 	•	 	the net amount from the DCA Plus Fixed Option Value will be converted to a fixed annuity and held in our General Account; and 

  

	 	•	 	the net amount from the Variable Account Value will be applied to a variable annuity and applied to the Subaccounts in proportion to the Account Value in each Subaccount on the
Annuity Date. 

  
 Continuation of Rider if Surviving Spouse
Continues Contract – If the Owner dies while transfers are being made from the DCA Plus Fixed Option and if the surviving spouse of the deceased Owner elects to continue the Contract in accordance with its terms, then such transfers will
continue to be made from the DCA Plus Fixed Option to the selected Variable Investment Options, until the Guarantee Term ends. 
  
 At the end of the Guarantee Term, the provisions of this Rider will cease to be operative, unless a new Guarantee Term is established. The DCA Plus Fixed Option will
remain as an available Investment Option to which Purchase Payments (or portions thereof) may be allocated. 
  
 Termination of Rider – Except as otherwise provided under the Continuation of Rider if Surviving Spouse Continues Contract provision of this Rider, this Rider will terminate upon the earliest to
occur of one of the following events: 
  

	 	(a)	 	the date death benefit proceeds become payable under the Contract; 

  

	 	(b)	 	the date the Contract is terminated; or 

  

	 	(c)	 	the Annuity Date. 

  
  

 3 

 Effective Date – This Rider is effective as of the Contract Date, unless a later date is shown below.

  
 Effective Date: [Date] 
  
 All other terms and conditions of the Contract remain unchanged by this Rider. 
  
 PACIFIC LIFE INSURANCE COMPANY 
  

	/s/     THOMAS C. SUTTON	 	/s/     AUDREY L. MILFS
	Chairman and Chief Executive Officer	 	Secretary

  

 4

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