OPTIONAL LIVING BENEFITS OVERVIEW

Available with Variable Annuities As of 5/30/2017

Rider Eligible Investment Options

Manager/Fund Name Morningstar Category Net Fund Expense (%)

American Funds IS Asset Allocation FundSM 50%70% Equity 0.79%

American Funds IS Managed Risk Asset Allocation FundSM 50%70% Equity 0.90%

BlackRock Global Allocation V.I. Fund World Allocation 0.99%

DFA Balanced Allocation Portfolio 50%70% Equity 0.76%

Fidelity VIP FundsManager 60% 50%70% Equity 0.93%

First Trust/Dow Jones Dividend & Income Allocation Portfolio 50%70% Equity 1.20%

Invesco V.I. Balanced-Risk Allocation Fund Tactical Allocation 1.05%

Janus Henderson VIT Balanced Portfolio 50%70% Equity 0.89%

MFS Total Return Series 50%70% Equity 0.88%

PLFA Pacific Dynamix Conservative-Growth 30%50% Equity 0.59%

PLFA Pacific Dynamix Moderate-Growth 50%70% Equity 0.59%

PLFA Portfolio Optimization Conservative 15%-30% Equity 0.88%

PLFA Portfolio Optimization Moderate-Conservative 30%50% Equity 0.93%

PLFA Portfolio Optimization Moderate 50%70% Equity 0.99%

State Street Total Return V.I.S. Fund 50%70% Equity 0.86%

Optional living benefits are available to clients as long as the contract value is allocated according to the investment allocation requirements that
the company has in effect, which are subject to change.
Net fund expenses are as of the most recent fund prospectus (adjusted for any fee waivers/reimbursements). For more information, including
the gross expense ratio, waivers, and/or expense reimbursements, see the applicable fund prospectus. Expenses are subject to change, and
there is no guarantee that the advisor will continue to waive and/or reimburse fund fees beyond their current terms as outlined in each fund
prospectus. In addition, please refer to the variable annuity product prospectus for additional product fees and charges.

Insurance products are issued by Pacific Life Insurance Company in all states except New York and in
New York by Pacific Life & Annuity Company. Product availability and features may vary by state.
No bank guarantee Not a deposit May lose value
Not FDIC/NCUA insured Not insured by any federal government agency
VAP0363-0717
For financial professional use only. Not for use with the public.
KEY FEATURES
Our optional living benefits are available for an additional charge with purchase of a variable annuity, and are subject to
broker/dealer and state availability. This is not a complete list of the optional living benefits. Please see product brochures
and prospectus for more information.

Guaranteed Minimum With

Lifetime Income

ENHANCED INCOME SELECT CORE INCOME ADVANTAGE (CIA) SELECT

Optional Age at First Withdrawal Withdrawal Percentages

Benefit (or first withdrawal after a reset)
Guarantees
Enhanced Income Percentage Single Life Joint Life
(Contract Has Value)
Prior to
Age 65 0% for life 0% for life
Single Life Joint Life

59 64 5.6% 5.1% Ages 65

and Older 5% for life 4.5% for life
65 69 7.1% 6.6%

70+ 7.5% 7%

Guaranteed Lifetime Income Percentage

(Contract Value = 0)

Ages 59+ 3.0% 3.0%

Early Prior to age 59, (based on the youngest
Withdrawals spouses age for Joint Life) any withdrawal
amount will reduce the protected payment base
by either the amount of the withdrawal or on
a proportionate basis, whichever results in
the lower protected amount. If an early
withdrawal reduces the contract value to
zero, Enhanced Income Select will terminate
and clients will not receive the guaranteed
lifetime income amount.
Any withdrawals prior to age 65 (based
on the youngest spouses age for Joint Life)
will reduce the protected amount either
by the amount of the withdrawal or on a
proportionate basis, whichever results in
the lower protected amount. If an early
withdrawal reduces the contract value to
zero, CIA Select will terminate.

Noncompliant The protected amount receives pro rata treatment. If a withdrawal exceeds the protected payment amo
Withdrawals amount in excess of the protected payment amount. If a withdrawal exceeds the protected payment am

Only one optional guaranteed minimum withdrawal benefit (GMWB) can be purchased on a variable annuity. The GMWB riders do not guarantee a rate o
withdrawals. GMWB optional benefits may not be added to inherited IRA, inherited Roth IRA, or inherited tax-sheltered annuity (TSA)

For financial professional use only. Not for use with the public.
 Guaranteed Minimum
hdrawal Benefit (GMWB) Accumulation Benefit (GMAB)
Principal Protection

CORE INCOME ADVANTAGE 4

INCOME ACCESS SELECT GPA 3 SELECT
(CIA 4) SELECT

Withdrawal Percentages Guaranteed withdrawals of up Purchased at issue:

to 7% per year of the protected 100% of first-year purchase payments.
Single Life Joint Life payment amount for 14.2 years.
Purchased at contract anniversary:
Prior to
Age 59 0% 0% Contract value on the anniversary
date the GMAB is purchased, plus any
Ages 59+ 4% 4% additional purchase payments made in
the first year of electing the GMAB.

Any withdrawals prior to age 59 N/A Withdrawals during the 10-year term
(based on the youngest spouses age reduces the protected amount on a
for Joint Life) will reduce the protected proportionate basis. This adjustment
amount either by the amount of the can be more or less than the
withdrawal or on a proportionate basis, amount withdrawn.
whichever results in the lower protected
amount. If an early withdrawal reduces
the contract value to zero, CIA 4 Select
will terminate.

ount, the protected amount will be reduced on a proportionate basis for the
mount and reduces the contract value to zero, the optional benefit will terminate. N/A

of return or growth rate. GMWB withdrawals are not annuity payouts. Annuity payouts generally receive a more favorable tax treatment than other
) contracts.

For financial professional use only. Not for use with the public.
 For more information, call your consultative wholesaler at:
(800) 722-2333; in New York, (800) 748-6907, Option 4 (for sales support)
www.PacificLife.com

Pacific Life is a variable annuity provider. It is not a fiduciary and therefore does not give advice or make recommendations regarding
insurance or investment products.
Investors should carefully consider a variable annuitys risks, charges, limitations, and expenses, as well as the risks,
charges, expenses, and investment goals of the underlying investment options. This and other information about
Pacific Life are provided in the product and the underlying fund prospectuses. These prospectuses should be read
carefully by clients before investing.
Under current law, a nonqualified annuity that is owned by an individual is generally entitled to tax deferral. IRAs and qualified
planssuch as 401(k)s and 403(b)sare already tax-deferred. Therefore, a deferred annuity should be used only to fund an
IRA or qualified plan to benefit from the annuitys features other than tax deferral. These include lifetime income, death benefit
options, and the ability to transfer among investment options without sales or withdrawal charges.
Variable annuities are long-term investments designed for retirement. The value of the variable investment options will fluctuate
so that shares, when redeemed, may be worth more or less than the original cost. Annuity withdrawals and other distributions
of taxable amounts, including death benefit payouts, will be subject to ordinary income tax. For nonqualified contracts, an
additional 3.8% federal tax may apply on net investment income. If withdrawals and other distributions are taken prior to age
59, an additional 10% federal tax may apply. A withdrawal charge also may apply. Withdrawals will reduce the contract value
and the value of the death benefits, and also may reduce the value of any optional benefits.
Enhanced Income Select Single Life is named Guaranteed Withdrawal Benefit XV RiderSingle Life in the contract rider.
Enhanced Income Select Joint Life is named Guaranteed Withdrawal Benefit XV RiderJoint Life in the contract rider. CIA
Select Single Life is named Guaranteed Withdrawal Benefit X RiderSingle Life in the contract rider. CIA Select Joint Life is
named Guaranteed Withdrawal Benefit X RiderJoint Life in the contract rider. CIA 4 Select Single Life is named
Guaranteed Withdrawal Benefit XII RiderSingle Life in the contract rider. CIA 4 Select Joint Life is named Guaranteed
Withdrawal Benefit XII RiderJoint Life in the contract rider. Income Access Select is named Guaranteed Withdrawal
Benefit XIII Rider in the contract rider. GPA 3 Select additions to the contract will be treated as earnings for income tax
purposes when distributed and are subject to market fluctuations. GPA 3 Select is named Guaranteed Minimum Accumulation
Benefit Rider in the contract rider. Any credit enhancement offered by the variable annuity will not apply to the optional
benefits unless a step-up or resets occurs.
For lifetime riders, at the maximum annuity date, upon choosing a Life Only fixed annuity option, a client will receive the
greater of a payment based on the contract value or the guaranteed withdrawal amount as an annuity payout.
Pacific Life refers to Pacific Life Insurance Company and its affiliates, including Pacific Life & Annuity Company. Insurance products
are issued by Pacific Life Insurance Company in all states except New York and in New York by Pacific Life & Annuity Company.
Product availability and features may vary by state. Each insurance company is solely responsible for the financial obligations
accruing under the products it issues. Insurance product and rider guarantees, including optional benefits and any fixed
subaccount crediting rates or annuity payout rates, are backed by the financial strength and claims-paying ability of the issuing
insurance company and do not protect the value of the variable investment options. They are not backed by the broker/dealer
from which this annuity is purchased, by the insurance agency from which this annuity is purchased, or any affiliates of those
entities and none makes any representations or guarantees regarding the claims-paying ability of the issuing insurance company.
Variable insurance products are distributed by Pacific Select Distributors, LLC (member FINRA & SIPC), a subsidiary of
Pacific Life Insurance Company (Newport Beach, CA) and an affiliate of Pacific Life & Annuity Company, and are available
through licensed third parties.

Contract Form Series: 10-1252, ICC12:10-1252, 10-2252-13, 10-1253, ICC12:10-1253, 10-2253-13, 10-17800, 10-178OR,
10-278NY-1, 10-1221, ICC11:10-1221, 10-1221OR, 10-2221-13, 10-10300, 10-1128, 10-1130
Rider Series: 20-1256 ICC13:20-1256 20-2256-13, 20-1257, ICC13:20-1257, 20-2257-13, 20-1258, ICC13:20-1258,
20-2258-13, 20-1259, ICC13:20-1259, 20-2259-13, 20-1263, ICC13:20-1263, 20-2263-13, 20-1501, ICC16:20-1501, 20-2501,
20-1502, ICC16:20-1502, 20-2502, 20-1254, ICC13:20-1254, 20-2254-13
For financial professional use only. Not for use with the public. VAP0363-0717

Mailing addresses:
Pacific Life Insurance Company In New York, Pacific Life & Annuity Company
P.O. Box 2378 P.O. Box 2829
Omaha, NE 68103-2378 Omaha, NE 68103-2829
(800) 722-2333 (800) 748-6907
www.PacificLife.com