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Pacific Life Insurance Company is licensed to issue insurance products in all states except New York. Product availability and features vary by state. Individual life insurance and annuity products are available in New York through Pacific Life & Annuity Company. Each insurance company is solely responsible for the financial obligations accruing under the products it issues. Insurance products and their guarantees, including optional benefits and any fixed subaccount crediting rates, are backed by the financial strength and claims-paying ability of the issuing insurance company. Look to the strength of the life insurance company with regard to such guarantees as these guarantees are not backed by the broker-dealer, insurance agency or their affiliates from which products are purchased. Neither these entities nor their representatives make any representation or assurance regarding the claims-paying ability of the life insurance company.

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Pacific Life Insurance Company State of Domicile: Nebraska, Place of Business: 45 Enterprise, Aliso Viejo, CA 92656, Certificate of authority #: 08181. (949) 420-3011 (800) 800-7646.

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