Additional purchase payments are permitted within the first 60 days of contract issue. Interest will be credited proportionally based on the index return from the time the additional purchase payment is received to the end of the index term. This period may be less than the time frames listed above.

All withdrawal charge periods may not be available at all times or in all states.

California does not offer the 10-year withdrawal charge period.

In Pennsylvania, the 1-Year Enhanced Participation Rate interest-crediting method is called Participation Rate with Spread. The 1-Year Participation Rate and 2-Year Enhanced Participation Rate interest-crediting methods are not available in Pennsylvania.

In New Jersey, BofA Iris U.S. Sectors Index^SM 1- and 2-year interest-crediting methods are not available.

Guaranteed Minimum Surrender Value
Even if your selected index or indexes have negative returns and your contract value earns no interest, you are still guaranteed growth in certain situations with the Guaranteed Minimum Surrender Value (GMSV). If you make a full withdrawal (surrender) of your contract value, or upon death or annuitization, you will receive at least 87.5% (90% in New Jersey) of your total purchase payments, minus withdrawals and applicable withdrawal charges, accumulated at annually. The Guaranteed Minimum Surrender Value applies for the life of the contract.

¹The breakpoint determines which interest rate, cap, participation rate, or spread is applied to the contract value at the end of the index term. The breakpoint is based on the total purchase payment received.

²A cap applies to the Point-to-Point Option and is the maximum amount of interest that can be earned for the index term if the return is positive and exceeds the cap. The rate is the interest rate that will be earned on the Performance-Triggered Index Option if the index return is flat or positive.

³A participation rate is a set percentage that determines how much of the positive index return will be credited at the end of an index term.

⁴A spread is a percentage that is deducted from the adjusted index return. The adjusted index return is the amount after the index return is multiplied by the participation rate.

⁵Guaranteed rates, renewal caps, participation rates, and spreads will never be set below the minimum or above the maximum stated in the contract. Pacific Life determines, at its discretion, guaranteed rates, renewal caps, participation rates in excess of the minimum guaranteed in the contract and spreads below the maximum guaranteed in the contract.

For the Fixed Account Option, interest will be credited daily at a rate that compounds over the course of one year to the annualized effective interest rate, assuming no withdrawals. Rates after the guaranteed term may change each year.

For the Index-Linked Options, initial caps, participation rates, and spreads are set at contract issue and guaranteed for one-contract year. Renewal caps, declared index interest rates, participation rates, and spreads will be declared for subsequent one-year index terms and may change.

For more information, refer to the Contract Summary. A fixed indexed annuity is not a security and does not participate directly in the stock market or any index, so it is not an investment.

The Product and its MSCI EAFE^® Index-Linked Options referred to herein are not sponsored, endorsed, or promoted by MSCI, and MSCI bears no liability with respect to any such Products or any index on which such Products are based. The Policy Contract contains a more detailed description of the limited relationship MSCI has with Pacific Life Insurance Company and any related products.

BlackRock, Inc., and its affiliates ("BlackRock") is not the issuer or producer of any annuity product associated with Pacific Life Insurance Company, and BlackRock has no responsibilities, obligations, or duties to investors in such products. The BlackRock iBLD Endura^® VC5.5 ER Index (hereinafter, the "BlackRock Endura^® Index") is a product of BlackRock Index Services, LLC, and has been licensed for use by Pacific Life Insurance Company. BLACKROCK, BlackRock Endura^® Index, and the corresponding logos are registered and unregistered trademarks of BlackRock. While Pacific Life Insurance Company may for itself execute transactions with BlackRock in or relating to the BlackRock Endura^® Index in connection with its annuity products, investors acquire all such annuity products from Pacific Life Insurance Company and neither acquire any interest in the BlackRock Endura^® Index nor enter into any relationship of any kind with BlackRock upon investing in such products. Pacific Life Insurance Company annuity products are not sponsored, endorsed, sold, or promoted by BlackRock. BlackRock makes no representation or warranty, express or implied, to the owners of any Pacific Life Insurance Company annuity product or any member of the public regarding the advisability of investing in such products, nor does it have any liability for any errors, omissions, or interruptions of the BlackRock Endura^® Index. BlackRock shall not be liable in any way to the issuer, investors, or any other party in respect of the use or accuracy of the BlackRock Endura^® Index or any data included therein.

BofA Securities Inc. and its Affiliates (“BofAS”) indexes and related information, the name “BofAS,” and related trademarks, are intellectual property licensed from BofAS to Pacific Life Insurance Company (“Licensee”). Neither the Licensee nor any fixed indexed annuity (“Product”) is sponsored, operated, endorsed, sold, or promoted by the BofAS. Obligations to make payments under any Products are solely the obligation of Licensee pursuant to the term of the contract between Licensee and policyholder, and are not the responsibility of Licensor. Licensor’s indexes and related information, the name of Licensor, and related trademarks may not be copied, used, or distributed without BofAS’s prior written approval. The Products have not been passed on as to their legality or suitability, and are not regulated, issued, endorsed, sold, guaranteed, or promoted by BofAS. BofAS’s only relationship to Licensee is the licensing of certain trademarks and trade names and the Index or components thereof, and BofAS is not a party to any transaction contemplated herein. BofAS MAKES NO WARRANTIES AND BEARS NO LIABILITY WITH RESPECT TO THE INDEXES, ANY RELATED INFORMATION, THE TRADEMARKS, OR THE PRODUCT(S) (INCLUDING WITHOUT LIMITATION, THEIR QUALITY, ACCURACY, SUITABILITY, AND/OR COMPLETENESS).

The "S&P 500^®" index is a product of S&P Dow Jones Indices LLC, a division of S&P Global, or its affiliates ("SPDJI"), and has been licensed for use by Pacific Life Insurance Company. S&P 500^® is a registered trademark of Standard & Poor's Financial Services LLC, a division of S&P Global ("S&P"); Dow Jones^® is a registered trademark of Dow Jones Trademark Holdings LLC ("Dow Jones"); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Pacific Life. Pacific Life's product is not sponsored, endorsed, sold, or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P 500 index.

The indexes are not available for direct investment. The S&P 500^® and MSCI index performance do not include the reinvestment of dividends.

Pacific Index Dimensions is not available in New York or Oregon.

Pacific Index Dimensions is named "Limited Premium Deferred Fixed Annuity Contract" in the contract. Alternatively, the product is also named "Modified Guaranteed Equity Index Fixed Annuity Contract" in Illinois and "Modified Single Premium Deferred Fixed Annuity Contract" in Oregon and New Jersey.

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 59½, an additional 10% federal tax may apply. A withdrawal charge and a market value adjustment (MVA) also may apply. Withdrawals will reduce the contract value and the value of the death benefits, and may reduce the value of any optional benefits.

Initial caps and rates are set at contract issue and are guaranteed for the length of the initial guaranteed period. The initial guaranteed period corresponds with the length of the withdrawal charge period. Interest rates and caps are based on the length of the withdrawal charge period and the total of all purchase payments received, minus withdrawals taken during the first year. After the initial guaranteed period, rates may change and renewal caps and rates will be declared. Only one period may be selected per contract.

Additional purchase payments are permitted within the first 60 days of contract issue. Interest will be credited proportionally based on the index return from the time the additional purchase payment is received to the end of the index term. This period may be less than the time frames listed above.

All withdrawal charge periods may not be available at all times, at all broker/dealers, or in all states.

For the Fixed Account Option, interest will be credited daily at a rate that compounds over the course of one year to the annualized effective interest rate, assuming no withdrawals.

Guaranteed Minimum Surrender Value
Even if your selected index or indexes have negative returns and your contract value earns no interest, you are still guaranteed growth in certain situations with the Guaranteed Minimum Surrender Value (GMSV). If you make a full withdrawal (surrender) of your contract value, or upon death or annuitization, you will receive at least 91% of your total purchase payments, minus withdrawals and applicable withdrawal charges, accumulated at annually. The Guaranteed Minimum Surrender Value applies for the life of the contract.

¹The breakpoint determines the fixed and declared interest rates and the cap and is based on the total purchase payment received (minus withdrawals and applicable withdrawal charges) in the first year.

²A cap applies to the Point-to-Point Option and is the maximum amount of interest that can be earned for the index term if the return is positive and exceeds the cap. The rate is the interest rate that will be earned on the Performance Triggered Index Option if the index return is flat or positive.

³For the Point-to-Point Option and the Performance-Triggered Index Option, the index term is one year.

⁴Guaranteed rates and caps will never be set below the minimum stated in the contract. Pacific Life determines, at its discretion, guaranteed rates and caps in excess of the stated minimum guarantee in the contract.

For more information, refer to the Contract Summary. A fixed indexed annuity is not a security and does not participate directly in the stock market or any index, so it is not an investment.

The Product and its MSCI EAFE^® Index-Linked Options referred to herein are not sponsored, endorsed, or promoted by MSCI, and MSCI bears no liability with respect to any such Products or any index on which such Products are based. The Policy Contract contains a more detailed description of the limited relationship MSCI has with Pacific Life Insurance Company and any related products.

The S&P 500 index is a product of S&P Dow Jones Indices LLC ("SPDJI"), and has been licensed for use by Pacific Life Insurance Company. Standard & Poor's^®, S&P^®, and S&P 500^® are registered trademarks of Standard & Poor's Financial Services LLC ("S&P"); Dow Jones^® is a registered trademark of Dow Jones Trademark Holdings LLC ("Dow Jones"); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Pacific Life. Pacific Life's product is not sponsored, endorsed, sold, or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product(s), nor do they have any liability for any errors, omissions, or interruptions of the S&P 500 index.

The indexes are not available for direct investment, and index performance does not include the reinvestment of dividends.

Pacific Index Foundation is named "Limited Premium Deferred Fixed Annuity Contract with Index-Linked Interest Options" in the contract.

Pacific Index Foundation is not available in New York.

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 59½, an additional 10% federal tax may apply. A withdrawal charge and a market value adjustment (MVA) also may apply. Withdrawals will reduce the contract value and the value of the death benefits, and may reduce the value of any optional benefits.

Monthly income payments and annual payout rates for Joint Life options assume the same issue age for male and female and that benefit reduction was not elected.

Monthly income payments and annual payout rates are based on a nonqualified Pacific Income Provider Annuity, $100,000 purchase payment, the annuitant's date of birth, and based on purchase rates in effect as of 09/01/2017. Monthly income payments and annual payout rates may differ for other purchase payment amounts or for qualified contracts. Annual payout rates include interest and return of principal. They are not interest rates, and represent the annualized payouts as a percent of total purchase payment. The amounts shown are for illustrative purposes only and are not a guarantee of the amount the contract owner will receive.

Income options are subject to suitability review and may not be available at all ages.

Monthly income payments and annual payout rates reflected are before taxes. In the state of MT, and for qualified contracts in NY, income payments do not differentiate between male and female life expectancies. Income payments do not include applicable state premium taxes, which will reduce the monthly income payment.

Qualified contracts, including traditional IRAs, SEP-IRAs, Roth IRAs, inherited IRAs, and inherited Roth IRAs, are eligible for favorable tax treatment under the Internal Revenue Code (IRC). Certain payout options and certain product features may not comply with various requirements for qualified contracts, which include required minimum distributions and substantially equal periodic payments under IRC Section 72(t). Therefore, certain product features, including the ability to exercise withdrawal features, may not be available or may have additional restrictions. The Income Payment Acceleration feature is available but will be considered a modification to the 72(t) program and may subject the series of 72(t) withdrawals to a 10% additional tax. In addition, certain payout options may not be available for qualified contracts.

For Roth IRAs, upon the Roth IRA owner's death, distributions to the designated beneficiaries may be subject to IRS required minimum distribution rules. If the designated beneficiary is not the spouse, the beneficiary may be required to take a lump-sum payment of the present value of the guaranteed payments if a death benefit becomes available. For the purpose of qualified distributions from Roth IRA, since the 5-year waiting period is tracked by the Roth IRA holder, the designated beneficiary and/or spouse who elects to treat the Roth IRA as his or her own will also need to take on this responsibility going forward when claiming qualified distributions.

Income from annuity payments received from Pacific Income Provider cannot be aggregated or combined with income from other IRA contracts/assets for purposes of satisfying IRS required minimum distributions.

Nonqualified contracts may not be subject to the various requirements for qualified contracts, but are still subject to an additional 10% federal tax for annuity payments, withdrawals, and other distributions prior to age 59½. While there are exceptions to this additional federal tax under IRC Section 72(q), certain payment options may not comply. For nonqualified contracts, an additional 3.8% federal tax may apply on net investment income.