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Pacific Life Insurance Company

Pacific Index Advisory 7

A Fixed Indexed Annuity with a 7-year surrender period.
This product is not available in *** *** *** *** *** *** *** *** ***

Ratings
	A.M. Best : A+		Fitch: AA-		Moody's: Aa3		Standard & Poor's: AA-

Rates

	Current Rates xx/xx/xxxx	Guaranteed Minimum Values
Band $25,000+	Cap	Cap
1 Year MSCI EAFE Performance-Triggered Index	Trigger: 7.70		***
1 Year MSCI EAFE Point-to-Point	***	***
1 Year S&P 500 Annual Point-to-Point	***	***
1 Year S&P 500 Performance-Triggered Index	Trigger: 7.70		***
7 Year Fixed Account Option (Rate guaranteed for 7 Years)	.* %	.* %
Band $100,000+	Cap	Cap
1 Year MSCI EAFE Performance-Triggered Index	Trigger: 8.10		***
1 Year MSCI EAFE Point-to-Point	***	***
1 Year S&P 500 Annual Point-to-Point	***	***
1 Year S&P 500 Performance-Triggered Index	Trigger: 8.10		***
7 Year Fixed Account Option (Rate guaranteed for 7 Years)	.* %	.* %

State Specified Minimum Interest Rate: ****

Premium Bonus
- none -

Policy Notes

The @annuityn --[ subscription required to view full text ]--
*** @***********@ ** * ******* ******* *****-******* ******* **** * @*******@ **** ********* ****** ****** **** ****** ******** ******** *******, ******** *******, ********* ********, *** ** *** *********. ** ******** ******** ******** ***** ******* ** ********* (**** ******).

Provisions

Free Look Period:	****
(Free look period may vary by state)
Rate Lock Protection:	****
Bail Out Provision Available:	***
* * ***:	****
Loan Provision Available:	***
* * ***:	****
Tax Sheltered:	***

Market Value Adjustment:	***
MRD:	***
Front-End Fee:	***
Annual Maintenance Fee:	***
Return of Premium Available:	***
Death Benefit is:	* **

Premiums
	Non-Qual	Qualified
Min Single Premium:	****	*******
Max Single Premium:
Age < xx:	****	*******
Age > xx:	****	*******
Payroll Deduction:	****	****
Min Added Premium:	****	****
Flexible Premiums ******* :	****
Min Single Premium Impaired:	******	******
Min Single Premium Period Certain:	******	******

Age Restrictions
	Min Age	Non-Qual	Qualified
Owner:		*****	*****
Annuitant:	*****	*****	*****
Impaired:		*****	*****
Annuitization Age:		*****	*****
*** * * ** * **** * *** ** * **** * ****** * *** * * ** * **** * *** * * * ** * **** * *****

Systematic Withdrawals

Systematic withdrawals are ***** ** *** ****** ****
*****************: **** ****** **** *****

**** *** ***** ** $****.**
*** *** ****** *** $****.**
**** ***** ******* ***** ******* * ****** ***** ****

MVA Explanation
Not available in CA

Withdrawals and contract values annuitized be --[ subscription required to view full text ]--
*********** *** ******** ****** ********** ****** *** *** ** *** ******* ********** ******, ** ****** ** **% ** *** ***** ***********’* ******** ***** (**% ** ******** ******** ** *** ***** ****), *** ** ******* ** ** *** (** ******** ** *** ********** ********** *******), ** *** ****** ********* ******** **** ****** ***** ****** *** ******** * ********.

*** *** ** ***** ** * ******* ******** ** ******* ** ********-**** *********. ** * ******* ****, ** ******** ***** **** ****** *** **** ** ***** ***** *** ******** *** ******, *** *** *** ****** *** ****** *********. ** ******** ***** **** ******, *** *** *** ******** *** ****** *********, ** ** * ********* *******. ** ** ***** **** *** *** ***** *** ********** ****** ** ** **** **** *** ********** ******* ********* *****.

***** ** ** *** ******** ** *********** **** ***** *** ******* ********** ****** *** *******.

Commissions
Commissions are ***** *** * *** * *** * ** ***** ***.

Related Information

Other Pacific Life Insurance Company Products

MYGA

Pacific Expedition II 3
Pacific Expedition II 3 MVA
Pacific Expedition II 5
Pacific Expedition II 5 MVA
Pacific Expedition II 7
Pacific Expedition II 7 MVA
Pacific Harbor 3
Pacific Harbor 5

Fixed Indexed Annuity