Insurance products and their guarantees, including optional benefits and any crediting rates, are backed by the financial strength and claims-paying ability of the issuing insurance company, but they do not protect the value of the variable investment options. 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. 

Pacific Life is a product provider. It is not a fiduciary and therefore does not give advice or make recommendations regarding insurance or investment products.

You should carefully consider a variable life insurance product’s risks, charges, limitations, and expenses, as well as the risks, charges, expenses and investment goals/objectives of the underlying investment options. This and other information about Pacific Life insurance products are provided in the applicable product and underlying fund prospectuses which are available from your life insurance producer or by clicking here. Read them carefully before investing or sending money.

Pacific Life refers to Pacific Life Insurance Company and its subsidiary PacificLife & Annuity Company. Insurance products can be issued in all states, except New York, by Pacific Life Insurance Company and in all states by Pacific Life & Annuity Company.

Product/material availability and features may vary by state. Each insurance company is solely responsible for the financial obligations accruing under the products it issues.

Variable insurance products and shares of Pacific Select Fund are distributed by Pacific Select Distributors, LLC (member FINRA & SIPC), a subsidiary of Pacific Life Insurance Company, and an affiliate of Pacific Life & Annuity Company, and are available through licensed third-party broker-dealers.

Unless otherwise noted, all aforementioned money managers and their distributors are not affiliated companies of Pacific Life and Pacific Select Distributors, LLC.

All Capital Group trademarks mentioned are owned by The Capital Group Companies, Inc., an affiliated company or fund. All other company and product names mentioned are the property of their respective companies.

BlackRock is a registered trademark of BlackRock Inc. or its subsidiaries in the United States and elsewhere. All other trademarks are those of their respective owners.

Fidelity is a registered trademark of FMR LLC.

Russell® is a trademark of the London Stock Exchange Group plc and its companies (“LSE Group”) and has been licensed for use by Pacific Select Fund (“PSF”). The LSE Group makes no claim, prediction, warranty or representation as to the results to be obtained from a PSF portfolio or to the content of this communication. The Statement of Additional Information of Pacific Select Fund contains additional information on the limited relationship between Russell/LSE Group and PSF.

The home office for Pacific Life & Annuity Company is located in Phoenix, Arizona. The home office for Pacific Life Insurance Company is located in Omaha, Nebraska.

 

18-170D