Appears in 2 contracts

Samples: Separate Account a of Pacific Life Insurance Co, Separate Account a of Pacific Life Insurance Co

Appears in 1 contract

Samples: Separate Account a of Pacific Life Insurance Co

Basis of Computations. The actuarial basis for the fixed Annuity Option Tables is the ~~1983a~~ Annuity 2000 Mortality Table with the ages set back ten (10) years with interest at an annual rate ~~of 3%. The rates for variable annuity payments are based on an assumed investment return of 5% per year and~~ as shown in the ~~1983a Annuity Mortality Table with the ages set back ten (10) years~~Contract Specifications. Rates Not Shown – Any rates and/or ages not shown in the tables contained in this Contract will be provided by the Company upon request. Annuity benefits will not be less than those that would have been provided by the application of an amount to purchase any single premium immediate annuity offered by us at the time annuity payments commence to the same class of annuitants. ICC12:10-1225 24 OPTIONS 1 AND 2 LIFE ONLY OR LIFE WITH GUARANTEED PERIOD CERTAIN OF 10 AND 20 YEARS Fixed Annuity Rates Male at 31.50% Female at 31.50% Unisex at 31.50% Life with Life with Life with Guaranteed Guaranteed Guaranteed Life Period Certain Life Period Certain Life Period Certain Age Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. 30 ~~3.04 3.03 3.03~~ 2.09 2.09 2.08 2.01 2.01 2.00 2.05 2.05 2.04 35 2.20 2.20 2.19 2.10 2.10 2.10 2.15 2.15 2.15 40 2.33 2.33 2.32 2.22 2.22 2.21 2.28 2.27 2.27 45 2.49 2.49 2.47 2.36 2.36 2.35 2.43 2.42 2.41 50 2.69 2.68 2.66 2.53 2.53 2.51 2.61 2.61 2.59 55 2.94 2.93 ~~2.93 2.93~~ 2.88 2.74 2.73 2.71 2.84 2.83 2.80 60 3.24 3.22 3.14 3.00 2.99 ~~2.98 2.98 35 3.14 3.14 3.13 3.02 3.02 3.01 3.08 3.08 3.07 40 3.28 3.27 3.26 3.13~~ 2.95 3.12 ~~3.12 3.20 3.20 3.19 45 3.44 3.44 3.41 3.26 3.26~~ 3.11 3.05 65 3.63 3.60 3.45 3.34 3.32 3.24 3.49 3.46 3.35 ~~3.35 3.33 50 3.66 3.64 3.60 3.42 3.42 3.40 3.54 3.54 3.50 55 3.93 3.90 3.82 3.63 3.63 3.59~~ 70 4.15 4.07 3.79 3.78 ~~3.77 3.71 60 4.27 4.22 4.08 3.90 3.89 3.82 4.09 4.06~~ 3.74 3.58 3.96 ~~65 4.70 4.62~~ 3.91 3.69 75 4.85 4.69 4.14 4.37 4.28 3.96 4.61 4.49 4.05 80 5.82 5.45 4.44 5.19 5.00 4.32 5.50 5.23 4.39 ~~4.25 4.22 4.11 4.48 4.43 4.25 70 5.28 5.14 4.71 4.72 4.66 4.44 5.00 4.90 4.58 75 6.10 5.81 5.02 5.35 5.22 4.79 5.73 5.52 4.92 80 7.23 6.61 5.27 6.25 5.96 5.12 6.74 6.30 5.20~~ 85 ~~8.82 7.49 5.42 7.56 6.89 5.35 8.18 7.20 5.39~~ 7.15 6.32 4.65 6.39 5.91 4.60 6.76 6.12 4.63 90 ~~11.06 8.33 5.49 9.53 7.89 5.47 10.28 8.12 5.48~~ 9.01 7.22 4.76 8.16 6.93 4.75 8.58 7.08 4.75 95 14.16 8.97 5.51 12.48 8.74 5.50 13.30 8.86 5.51 Variable Annuity Rates Male at 5% Female at 5% Unisex at 5% Life with Life with Life with Guaranteed Guaranteed Guaranteed Life Period Certain Life Period Certain Life Period Certain Age Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. 30 4.38 4.37 4.36 4.29 4.29 4.29 4.34 4.33 4.33 35 4.46 4.46 4.44 4.36 4.35 4.35 4.41 4.41 4.40 40 4.57 4.56 4.54 4.44 4.44 4.42 4.51 4.50 4.49 45 4.71 4.70 4.67 4.55 4.54 4.52 4.63 4.62 4.60 50 4.91 4.89 4.82 4.69 4.68 4.65 11.61 8.00 4.81 10.79 7.86 4.80 4.78 4.74 55 5.16 5.12 5.02 4.87 4.86 4.81 5.02 4.99 4.92 60 5.48 5.41 5.24 5.12 5.09 5.01 5.30 5.26 5.13 65 5.89 5.79 5.51 5.44 5.40 5.26 5.67 5.60 5.39 70 6.46 6.28 5.80 5.89 5.80 5.55 6.18 6.05 5.68 75 7.27 6.91 6.08 6.51 6.34 5.87 6.89 6.64 5.98 80 8.41 7.68 6.29 7.39 7.05 6.16 7.90 7.38 6.23 85 10.02 8.52 6.43 8.72 11.20 7.93 ~~6.37 9.36 8.24 6.40 90 12.29 9.30 6.49 10.71 8.88 6.47 11.49 9.10 6.48 95 15.42 9.90 6.51 13.70 9.68 6.50 14.55 9.80 6.51 28~~ 4.80 OPTION 3 — – JOINT AND 50% SURVIVOR LIFE Primary Annuitant Male Age 60 65 70 75 80 85 1.50% 1.50% 1.50% 1.50% 1.50% 1.50% Fixed Fixed Fixed Fixed Fixed Fixed 60 2.96 3.16 3.39 3.64 3.91 4.20 Female 365 3.03 3.27 3.54 3.84 4.16 4.49 Age 70 3.10 3.37 3.69 4.04 4.43 4.84 75 3.15 3.46 3.82 4.24 4.72 5.23 80 3.18 3.52 3.93 4.43 5.00 5.64 85 3.21 3.57 4.01 4.58 5.26 6.06 Primary Annuitant Unisex Age 60 65 70 75 80 85 1.50% 51.50% 31.50% 51.50% 31.50% 51.50% ~~3% 5% 3% 5% 3% 5%~~ Fixed Fixed Fixed Fixed Fixed Fixed 60 2.91 3.13 3.36 3.63 3.92 4.23 Unisex 65 2.97 3.22 3.50 3.81 4.15 4.52 Age ~~Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable 60 3.91 5.12 4.13 5.34 4.39 5.60 4.69 5.92 5.02 6.30 5.38 6.73 65~~ 70 3.02 3.30 3.62 3.99 ~~5.19 4.25 5.43 4.54 5.73 4.88 6.09 5.26 6.51 5.67 6.98 70 4.06 5.25 4.36 5.53 4.70 5.87~~ 4.40 4.85 75 3.06 3.36 3.73 4.16 4.66 5.21 80 3.08 3.41 3.81 4.30 4.89 5.58 85 3.10 3.44 3.87 4.41 5.10 6.27 5.55 6.75 6.03 7.29 75 4.12 5.31 4.46 5.62 4.85 6.00 5.32 6.47 5.86 7.03 6.45 7.66 80 4.17 5.36 4.54 5.70 4.98 6.13 5.54 6.67 6.18 7.33 6.91 8.08 85 4.21 5.40 4.60 5.77 5.09 6.24 5.72 6.86 6.49 7.63 7.40 8.54 5.93 ICC12:10-1225 25 OPTION 3 — – JOINT AND 66 2/3% SURVIVOR LIFE Primary Annuitant Male Age 60 65 70 75 80 85 1.50% 1.50% 1.50% 1.50% 1.50% 1.50% Fixed Fixed Fixed Fixed Fixed Fixed 60 2.87 3.03 3.20 3.36 3.53 3.69 65 2.97 3.17 3.38 3.59 3.80 4.00 Female ~~3% 5% 3% 5% 3% 5% 3% 5% 3% 5% 3% 5%~~ 70 3.05 3.29 3.56 3.83 4.11 4.37 Age ~~Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable 60 3.80 5.01~~ 75 3.11 3.40 3.72 4.07 4.44 4.80 80 3.16 3.48 3.86 4.30 4.78 5.27 85 3.19 3.54 3.97 ~~5.18 4.16 5.36 4.35 5.58 4.55 5.81 4.76 6.06 65 3.90~~ 4.49 5.10 4.12 5.30 4.34 5.52 4.58 5.77 4.83 6.05 5.07 6.34 70 4.00 5.18 4.25 5.42 4.53 5.69 4.84 6.00 5.15 6.33 5.46 6.68 75 4.08 5.26 4.38 5.54 4.72 5.87 5.11 6.25 5.51 6.66 5.92 7.10 80 4.14 5.33 4.48 5.64 4.89 6.03 5.37 6.50 5.90 7.03 6.45 7.59 85 4.19 5.38 4.56 5.73 5.03 6.17 5.61 6.73 6.28 7.39 7.02 8.14 5.76 OPTION 3 — – JOINT AND 100% SURVIVOR LIFE Primary Annuitant Male Age 60 65 70 75 80 85 ~~Female 3~~1.50% 51.50% 31.50% 51.50% 31.50% 5% 3% 5% 3% 5% 3% 5% Age Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable 60 3.60 4.80 3.69 4.88 3.76 4.94 3.81 5.00 3.84 5.04 3.87 5.06 65 3.75 4.93 3.88 5.04 3.99 5.15 4.07 5.23 4.14 5.30 4.18 5.35 70 3.88 5.05 4.06 5.21 4.24 5.37 4.38 5.52 4.50 5.63 4.58 5.72 75 3.99 5.16 4.23 5.38 4.49 5.61 4.72 5.83 4.93 6.03 5.08 6.19 80 4.08 5.25 4.38 5.52 4.72 5.83 5.07 6.17 5.40 6.49 5.68 6.77 85 4.15 5.33 4.50 5.65 4.91 6.03 5.39 6.49 5.89 6.97 6.37 7.44 Primary Annuitant Unisex Age 60 65 70 75 80 85 Unisex 3% 5% 3% 5% 3% 5% 3% 5% 3% 5% 3% 5% Age Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable 60 3.84 5.05 4.07 5.27 4.34 5.54 4.65 5.86 5.00 6.24 5.39 6.69 65 3.90 5.10 4.17 5.35 4.47 5.65 4.83 6.01 5.23 6.44 5.68 6.94 70 3.96 5.15 4.25 5.43 4.60 5.76 5.02 6.17 5.49 6.66 6.03 7.24 75 4.00 5.19 4.32 5.49 4.72 5.87 5.20 6.34 5.76 6.91 6.41 7.58 80 4.03 5.23 4.38 5.55 4.81 5.96 5.36 6.49 6.02 7.15 6.81 7.96 85 4.05 5.25 4.42 5.59 4.88 6.04 5.49 6.62 6.25 7.38 7.20 8.33 29 OPTION 4 — PERIOD CERTAIN ONLY Monthly Income 3% 5% Years Fixed Variable 5 17.91 18.74 6 15.14 15.99 7 13.16 14.02 8 11.68 12.56 9 10.53 11.42 10 9.61 10.51 11 8.86 9.77 12 8.24 9.16 13 7.71 8.64 14 7.26 8.20 15 6.87 7.82 16 6.53 7.49 17 6.23 7.20 18 5.96 6.94 19 5.73 6.71 20 5.51 6.51 21 5.32 6.33 22 5.15 6.17 23 4.99 6.02 24 4.84 5.88 25 4.71 5.76 26 4.59 5.65 27 4.47 5.54 28 4.37 5.45 29 4.27 5.36 30 4.18 5.28 A Stock Company Pacific Life Insurance Company • 700 Xxxxxxx Xxxxxx Xxxxx • Newport Beach, CA 92660 INDIVIDUAL FLEXIBLE PREMIUM DEFERRED VARIABLE ANNUITY CONTRACT Investment Experience Reflected in Benefits Variable Accumulation Before Annuity Date Annuities Payable in Variable and Fixed Dollar Amounts Death Benefit Proceeds Payable Before Annuity Date Non-Participating1.50%

Appears in 1 contract

Samples: Read Your Contract Carefully (Separate Account a of Pacific Life Insurance Co)

Appears in 1 contract

Samples: Separate Account a of Pacific Life Insurance Co

Basis of Computations. The actuarial basis for the fixed Annuity Option Tables is the ~~1983a~~ 2000 Individual Annuity Mortality Table with the ages set back ten (10) years with interest at an annual rate of 31.50%. The rates for variable annuity payments are based on an assumed investment return of 54% per year and the ~~1983a~~ 2000 Individual Annuity Mortality Table with the ages set back ten (10) years. Rates Not Shown – Any rates and/or ages not shown in the tables contained in this Contract will be provided by the Company upon request. Annuity benefits will not be less than those that would have been provided by the application of an amount to purchase any single consideration immediate annuity offered by us at the time annuity payments commence to the same class of annuitants. The amount shall be the greater of the withdrawal proceeds or 95% of what the withdrawal proceeds would be if there were no withdrawal charges. OPTIONS 1 AND 2 LIFE ONLY OR LIFE WITH GUARANTEED PERIOD CERTAIN OF 10 AND 20 YEARS Fixed Annuity Rates Male at 31.50% Female at 31.50% Unisex at 31.50% Life with Life with Life with Guaranteed Guaranteed Guaranteed Life Period Certain Life Period Certain Life Period Certain Age Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. 30 ~~3.04 3.03 3.03~~ 2.09 2.09 2.08 2.01 2.01 2.00 2.05 2.05 2.04 35 2.20 2.20 2.19 2.10 2.10 2.10 2.15 2.15 2.15 40 2.33 2.33 2.32 2.22 2.22 2.21 2.28 2.27 2.27 45 2.49 2.49 2.47 2.36 2.36 2.35 2.43 2.42 2.41 50 2.69 2.68 2.66 2.53 2.53 2.51 2.61 2.61 2.59 55 2.94 2.93 ~~2.93 2.93~~ 2.88 2.74 2.73 2.71 2.84 2.83 2.80 60 3.24 3.22 3.14 3.00 2.99 ~~2.98 2.98 35 3.14 3.14 3.13 3.02 3.02 3.01 3.08 3.08 3.07 40 3.28 3.27 3.26 3.13~~ 2.95 3.12 ~~3.12 3.20 3.20 3.19 45 3.44 3.44 3.41 3.26 3.26~~ 3.11 3.05 65 3.63 3.60 3.45 3.34 3.32 3.24 3.49 3.46 3.35 ~~3.35 3.33 50 3.66 3.64 3.60 3.42 3.42 3.40 3.54 3.54 3.50 55 3.93 3.90 3.82 3.63 3.63 3.59~~ 70 4.15 4.07 3.79 3.78 ~~3.77 3.71 60 4.27 4.22 4.08 3.90 3.89 3.82 4.09 4.06~~ 3.74 3.58 3.96 ~~65 4.70 4.62~~ 3.91 3.69 75 4.85 4.69 4.14 4.37 4.28 3.96 4.61 4.49 4.05 80 5.82 5.45 4.44 5.19 5.00 4.32 5.50 5.23 4.39 ~~4.25 4.22 4.11 4.48 4.43 4.25 70 5.28 5.14 4.71 4.72 4.66 4.44 5.00 4.90 4.58 75 6.10 5.81 5.02 5.35 5.22 4.79 5.73 5.52 4.92 80 7.23 6.61 5.27 6.25 5.96 5.12 6.74 6.30 5.20~~ 85 ~~8.82 7.49 5.42 7.56 6.89 5.35 8.18 7.20 5.39~~ 7.15 6.32 4.65 6.39 5.91 4.60 6.76 6.12 4.63 90 ~~11.06 8.33 5.49 9.53 7.89 5.47 10.28 8.12 5.48~~ 9.01 7.22 4.76 8.16 6.93 4.75 8.58 7.08 4.75 95 ~~14.16 8.97 5.51 12.48 8.74 5.50 13.30 8.86 5.51~~ 11.61 8.00 4.81 10.79 7.86 4.80 11.20 7.93 4.80 Variable Annuity Rates Male at 54% Female at 54% Unisex at 54% Life with Life with Life with Guaranteed Guaranteed Guaranteed Life Period Certain Life Period Certain Life Period Certain Age Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. 30 3.65 3.64 3.64 3.58 3.58 3.57 3.61 3.61 3.60 35 3.73 3.73 3.72 3.65 3.65 3.64 3.69 3.69 3.68 40 3.84 3.83 3.82 3.74 3.73 3.73 3.79 3.78 3.77 45 3.97 3.97 3.94 3.85 3.84 3.83 3.91 3.91 3.89 50 4.15 4.14 4.10 3.99 3.99 3.97 4.07 4.06 4.04 55 4.38 ~~4.37~~ 4.36 4.29 ~~4.29 4.29~~ 4.18 4.17 4.13 4.28 4.27 4.22 60 4.67 4.64 4.52 4.42 4.40 4.34 ~~4.33 4.33 35 4.46 4.46~~ 4.55 4.52 4.44 ~~4.36 4.35 4.35 4.41 4.41 4.40 40 4.57 4.56 4.54 4.44 4.44 4.42 4.51 4.50 4.49 45 4.71~~ 65 5.05 4.99 4.80 4.74 4.70 ~~4.67 4.55 4.54 4.52 4.63 4.62~~ 4.60 ~~50 4.91 4.89 4.82 4.69 4.68 4.65 4.80 4.78 4.74 55~~ 4.90 4.85 4.70 70 5.56 5.44 5.10 5.16 ~~5.12 5.02 4.87 4.86 4.81 5.02 4.99 4.92 60 5.48~~ 5.10 4.90 5.36 5.28 5.00 75 6.27 6.04 5.41 5.75 5.63 5.24 ~~5.12 5.09 5.01 5.30 5.26 5.13 65 5.89 5.79 5.51 5.44 5.40 5.26~~ 6.01 5.83 5.33 80 7.25 6.77 5.67 ~~5.60 5.39 70 6.46 6.28 5.80 5.89 5.80 5.55 6.18 6.05 5.68 75 7.27~~ 6.57 6.32 5.57 6.91 ~~6.08 6.51 6.34 5.87 6.89 6.64 5.98 80 8.41 7.68 6.29 7.39 7.05 6.16 7.90 7.38 6.23~~ 6.54 5.62 85 ~~10.02 8.52 6.43 8.72 7.93 6.37 9.36 8.24 6.40~~ 8.61 7.60 5.86 7.79 7.19 5.81 8.20 7.40 5.83 90 ~~12.29 9.30 6.49 10.71 8.88 6.47 11.49 9.10 6.48~~ 10.52 8.44 5.96 9.60 8.16 5.94 10.05 8.30 5.95 95 ~~15.42 9.90 6.51 13.70 9.68 6.50 14.55 9.80 6.51 28~~ 13.16 9.16 5.99 12.30 9.03 5.99 12.73 9.09 5.99 10-2221 27 OPTION 3 — – JOINT AND 50% SURVIVOR LIFE Primary Annuitant Male Age 60 65 70 75 80 85 Female 31.50% 54% 31.50% 54% 31.50% 54% 31.50% 54% 31.50% 54% 31.50% 54% Age Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable 60 2.96 4.38 3.16 4.58 3.39 4.82 3.64 5.11 3.91 ~~5.12 4.13 5.34 4.39 5.60 4.69 5.92 5.02 6.30 5.38 6.73~~ 5.44 4.20 5.80 65 3.03 4.44 3.27 4.67 3.54 4.94 3.84 5.27 4.16 5.63 4.49 6.04 70 3.10 4.50 3.37 4.76 3.69 5.07 4.04 5.44 4.43 5.86 4.84 6.33 75 3.15 4.55 3.46 4.84 3.82 5.19 4.24 5.62 4.72 6.12 5.23 6.67 80 3.18 4.59 3.52 4.91 3.93 5.30 4.43 5.79 5.00 6.38 5.64 7.05 85 3.21 4.62 3.57 4.96 4.01 5.39 4.58 5.94 5.26 6.63 6.06 7.44 Primary Annuitant Unisex Age 60 65 70 75 80 85 Unisex 1.50% 4% 1.50% 4% 1.50% 4% 1.50% 4% 1.50% 4% 1.50% 4% Age Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable 60 2.91 4.33 3.13 4.53 3.36 4.78 3.63 5.06 3.92 5.40 4.23 5.79 65 2.97 4.38 3.22 4.61 3.50 4.89 3.81 5.21 4.15 5.59 4.52 6.03 70 3.02 4.42 3.30 4.68 3.62 4.99 3.99 ~~5.19 4.25 5.43 4.54 5.73 4.88 6.09 5.26 6.51 5.67 6.98 70 4.06 5.25 4.36 5.53 4.70 5.87~~ 5.37 4.40 5.81 4.85 6.31 75 3.06 4.46 3.36 4.75 3.73 5.09 4.16 5.52 4.66 6.03 5.21 6.63 80 3.08 4.49 3.41 4.79 3.81 5.18 4.30 5.66 4.89 6.25 5.58 6.96 85 3.10 4.51 3.44 4.83 3.87 5.24 4.41 5.78 5.10 ~~6.27 5.55 6.75 6.03~~ 6.45 5.93 7.29 ~~75 4.12 5.31 4.46 5.62 4.85 6.00 5.32 6.47 5.86 7.03 6.45 7.66 80 4.17 5.36 4.54 5.70 4.98 6.13 5.54 6.67 6.18 7.33 6.91 8.08 85 4.21 5.40 4.60 5.77 5.09 6.24 5.72 6.86 6.49 7.63 7.40 8.54~~ OPTION 3 — – JOINT AND 66 2/3% SURVIVOR LIFE Primary Annuitant Male Age 60 65 70 75 80 85 Female 31.50% 54% 31.50% 54% 31.50% 54% 31.50% 54% 31.50% 54% 31.50% 54% Age Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable 60 2.87 4.29 3.03 4.44 3.20 4.62 3.36 4.81 3.53 5.02 3.69 5.23 65 2.97 4.37 3.17 4.56 3.38 4.77 3.59 5.00 3.80 ~~5.01~~ 5.24 4.00 5.50 70 3.05 4.45 3.29 4.67 3.56 4.93 3.83 5.21 4.11 5.51 4.37 5.82 75 3.11 4.51 3.40 4.77 3.72 5.08 4.07 5.43 4.44 5.81 4.80 6.20 80 3.16 4.56 3.48 4.86 3.86 5.22 4.30 5.65 4.78 6.13 5.27 6.65 85 3.19 4.60 3.54 4.93 3.97 ~~5.18 4.16 5.36 4.35 5.58 4.55 5.81 4.76 6.06 65 3.90~~ 5.34 4.49 5.84 5.10 4.12 5.30 4.34 5.52 4.58 5.77 4.83 6.05 5.07 6.34 70 4.00 5.18 4.25 5.42 4.53 5.69 4.84 6.00 5.15 6.33 5.46 6.68 75 4.08 5.26 4.38 5.54 4.72 5.87 5.11 6.25 5.51 6.66 5.92 7.10 80 4.14 5.33 4.48 5.64 4.89 6.03 5.37 6.50 5.90 7.03 6.45 ~~7.59 85 4.19 5.38 4.56 5.73 5.03 6.17 5.61 6.73 6.28 7.39 7.02 8.14~~ 5.76 7.12 OPTION 3 — – JOINT AND 100% SURVIVOR LIFE Primary Annuitant Male Age 60 65 70 75 80 85 Female 31.50% 54% 31.50% 54% 31.50% 54% 31.50% 54% 31.50% 54% 31.50% 54% Age Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable 60 ~~3.60~~ 2.72 4.11 2.80 4.19 2.87 4.26 2.92 4.31 2.95 4.35 2.97 4.37 65 2.85 4.23 2.98 4.35 3.09 4.45 3.18 4.54 3.24 4.61 3.28 4.65 70 2.96 4.34 3.15 4.50 3.32 4.66 3.47 4.80 ~~3.69 4.88 3.76 4.94 3.81 5.00 3.84 5.04 3.87 5.06 65 3.75 4.93 3.88 5.04 3.99 5.15~~ 3.58 4.92 3.66 5.01 75 3.05 4.43 3.29 4.65 3.54 4.87 3.77 5.09 3.97 5.29 4.12 5.44 80 3.12 4.51 3.41 4.77 3.73 5.07 4.07 5.38 4.39 5.69 4.66 5.96 85 3.17 4.57 3.50 4.87 3.89 5.23 ~~4.14 5.30 4.18 5.35 70 3.88 5.05 4.06 5.21 4.24 5.37 4.38 5.52 4.50 5.63 4.58 5.72 75 3.99 5.16 4.23 5.38 4.49 5.61 4.72 5.83 4.93 6.03 5.08 6.19 80 4.08~~ 4.33 5.65 4.80 6.11 5.25 4.38 5.52 4.72 5.83 5.07 6.17 5.40 6.49 5.68 6.77 85 4.15 5.33 4.50 5.65 4.91 6.03 5.39 6.49 5.89 6.97 6.37 7.44 Primary Annuitant Unisex Age 60 65 70 75 80 85 Unisex 3% 5% 3% 5% 3% 5% 3% 5% 3% 5% 3% 5% Age Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable 60 3.84 5.05 4.07 5.27 4.34 5.54 4.65 5.86 5.00 6.24 5.39 6.69 65 3.90 5.10 4.17 5.35 4.47 5.65 4.83 6.01 5.23 6.44 5.68 6.94 70 3.96 5.15 4.25 5.43 4.60 5.76 5.02 6.17 5.49 6.66 6.03 7.24 75 4.00 5.19 4.32 5.49 4.72 5.87 5.20 6.34 5.76 6.91 6.41 7.58 80 4.03 5.23 4.38 5.55 4.81 5.96 5.36 6.49 6.02 7.15 6.81 7.96 85 4.05 5.25 4.42 5.59 4.88 6.04 5.49 6.62 6.25 7.38 7.20 8.33 29 6.55 10-2221 28 OPTION 4 — – PERIOD CERTAIN ONLY Monthly Income 31.50% 54% Years Fixed Variable ~~5 17.91 18.74 6 15.14 15.99 7 13.16 14.02 8 11.68 12.56 9 10.53 11.42~~ 10 ~~9.61 10.51~~ 8.96 10.06 11 ~~8.86 9.77~~ 8.21 9.31 12 ~~8.24 9.16~~ 7.58 8.69 13 ~~7.71 8.64~~ 7.05 8.17 14 ~~7.26 8.20~~ 6.59 7.72 15 ~~6.87 7.82~~ 6.20 7.34 16 ~~6.53 7.49~~ 5.85 7.00 17 ~~6.23 7.20~~ 5.55 6.71 18 ~~5.96 6.94~~ 5.27 6.44 19 ~~5.73 6.71~~ 5.03 6.21 20 ~~5.51 6.51~~ 4.81 6.00 21 ~~5.32 6.33~~ 4.62 5.81 22 ~~5.15 6.17~~ 4.44 5.64 23 ~~4.99 6.02~~ 4.28 5.49 24 ~~4.84 5.88~~ 4.13 5.35 25 ~~4.71 5.76~~ 3.99 5.22 26 ~~4.59 5.65~~ 3.86 5.10 27 ~~4.47 5.54~~ 3.75 5.00 28 ~~4.37 5.45~~ 3.64 4.90 29 ~~4.27 5.36~~ 3.54 4.80 30 ~~4.18 5.28 A Stock Company~~ 3.44 4.72 10-2221 29 Pacific Life ~~Insurance~~ & Annuity Company • l [700 Newport Center Drive l Xxxxxxx ~~Xxxxxx Xxxxx • Newport Beach~~Xxxxx, ~~CA 92660~~ XX 00000] INDIVIDUAL FLEXIBLE PREMIUM DEFERRED VARIABLE ANNUITY CONTRACT Investment Experience Reflected in Benefits Variable Accumulation Before Annuity Date Withdrawal Charges Waived in Specific Instances Annuities Payable in Variable and Fixed Dollar Amounts Death Benefit Proceeds Payable Before Annuity Date Non-Participating

Appears in 1 contract

Samples: Your Contract Carefully (Separate Account a of Pacific Life & Annuity Co)

Basis of Computations. The actuarial basis for the fixed Annuity Option Tables is the 1983a Annuity Mortality Table with the ages set back ten (10) years with interest at an annual rate of 3%. The rates for variable annuity payments are based on an assumed investment return of 54% per year and the 1983a Annuity Mortality Table with the ages set back ten (10) years. Rates Not Shown ~~– Any~~ - We will provide rates for any payment frequency, interest rate, age or sex, combinations thereof, and/or ~~ages~~ payout percentage for any Annuity Option, if applicable, that we offer if they are not shown in the ~~tables contained in this Contract will be provided by the Company upon request~~tables. OPTIONS 1 AND 2 LIFE ONLY OR LIFE WITH GUARANTEED PERIOD CERTAIN OF 10 AND 20 YEARS Fixed Annuity Rates Male at 3% Female at 3% Unisex at 3% Life with Life with Life with Guaranteed Guaranteed Guaranteed Life Period Certain Life Period Certain Life Period Certain Age Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. 30 3.04 3.03 3.03 2.93 2.93 2.93 2.99 2.98 2.98 35 3.14 3.14 3.13 3.02 3.02 3.01 3.08 3.08 3.07 40 3.28 3.27 3.26 3.13 3.12 3.12 3.20 3.20 3.19 45 3.44 3.44 3.41 3.26 3.26 3.24 3.35 3.35 3.33 50 3.66 3.64 3.60 3.42 3.42 3.40 3.54 3.54 3.50 55 3.93 3.90 3.82 3.63 3.63 3.59 3.78 3.77 3.71 60 4.27 4.22 4.08 3.90 3.89 3.82 4.09 4.06 3.96 65 4.70 4.62 4.39 4.25 4.22 4.11 4.48 4.43 4.25 70 5.28 5.14 4.71 4.72 4.66 4.44 5.00 4.90 4.58 75 6.10 5.81 5.02 5.35 5.22 4.79 5.73 5.52 4.92 80 7.23 6.61 5.27 6.25 5.96 5.12 6.74 6.30 5.20 85 8.82 7.49 5.42 7.56 6.89 5.35 8.18 7.20 5.39 90 11.06 8.33 5.49 9.53 7.89 5.47 10.28 8.12 5.48 95 14.16 8.97 5.51 12.48 8.74 5.50 13.30 8.86 5.51 Variable Annuity Rates Male at 54% Female at 54% Unisex at 54% Life with Life with Life with Guaranteed Guaranteed Guaranteed Life Period Certain Life Period Certain Life Period Certain Age Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. 30 ~~4.38~~ 3.69 3.69 3.68 3.60 3.59 3.59 3.64 3.64 3.64 35 3.79 3.78 3.77 3.67 3.67 3.66 3.73 3.73 3.72 40 3.91 3.90 3.88 3.77 3.76 3.75 3.84 3.83 3.82 45 4.06 4.06 4.02 3.89 3.88 3.87 3.98 3.97 3.95 50 4.27 4.25 4.20 4.04 4.03 4.01 4.16 4.15 4.11 55 4.53 4.50 4.40 4.24 4.23 4.18 4.39 4.37 4.36 4.29 4.29 4.29 4.34 4.33 4.33 35 4.46 4.46 4.44 4.36 4.35 4.35 4.41 4.41 4.40 40 4.57 4.56 4.54 4.44 4.44 4.42 4.51 4.50 4.49 45 4.71 4.70 4.67 4.55 4.54 4.52 4.63 4.62 4.60 50 4.91 4.89 4.82 4.69 4.68 4.65 4.80 4.78 4.74 55 5.16 5.12 5.02 4.87 4.30 60 4.86 4.81 ~~5.02 4.99 4.92 60 5.48 5.41~~ 4.65 4.50 4.47 4.40 4.68 4.64 4.53 65 5.29 5.20 4.94 4.84 4.86 4.67 5.06 5.00 4.81 70 5.86 5.70 5.24 5.29 5.22 4.98 5.58 5.47 5.12 ~~5.09 5.01 5.30 5.26 5.13 65~~ 75 6.68 6.35 5.54 5.92 5.77 5.32 6.30 6.07 5.44 80 7.82 7.14 5.77 6.81 6.50 5.63 7.31 6.83 5.71 85 9.41 8.00 5.91 8.14 7.40 5.85 8.77 7.72 5.89 ~~5.79 5.51 5.44 5.40 5.26 5.67 5.60 5.39 70 6.46 6.28 5.80 5.89 5.80 5.55 6.18 6.05 5.68 75 7.27 6.91 6.08 6.51 6.34 5.87 6.89 6.64~~ 90 11.68 8.81 5.98 ~~80 8.41 7.68 6.29 7.39 7.05 6.16 7.90 7.38 6.23 85 10.02 8.52 6.43 8.72 7.93 6.37 9.36 8.24 6.40 90 12.29 9.30 6.49 10.71 8.88 6.47 11.49 9.10 6.48~~ 10.12 8.38 5.96 10.88 8.61 5.97 95 ~~15.42 9.90 6.51 13.70 9.68 6.50 14.55 9.80 6.51 28~~ 14.79 9.43 6.00 13.08 9.21 6.00 13.92 9.33 6.00 10-2128 OPTION 3 — - JOINT AND 50% SURVIVOR LIFE Primary Annuitant Male Age 60 65 70 75 80 85 ~~Female~~ 3% 54% 3% 54% 3% 54% 3% 54% 3% 54% 3% 54% ~~Age~~ Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Female Age 60 3.91 ~~5.12~~ 4.50 4.13 ~~5.34~~ 4.72 4.39 ~~5.60~~ 4.98 4.69 ~~5.92~~ 5.30 5.02 ~~6.30~~ 5.65 5.38 ~~6.73~~ 6.05 65 3.99 ~~5.19~~ 4.58 4.25 ~~5.43~~ 4.83 4.54 ~~5.73~~ 5.13 4.88 ~~6.09~~ 5.48 5.26 ~~6.51~~ 5.88 5.67 ~~6.98~~ 6.32 70 4.06 ~~5.25~~ 4.65 4.36 ~~5.53~~ 4.93 4.70 ~~5.87~~ 5.27 5.10 ~~6.27~~ 5.68 5.55 ~~6.75~~ 6.14 6.03 ~~7.29~~ 6.65 75 4.12 ~~5.31~~ 4.71 4.46 ~~5.62~~ 5.03 4.85 ~~6.00~~ 5.42 5.32 ~~6.47~~ 5.89 5.86 ~~7.03~~ 6.44 6.45 ~~7.66~~ 7.05 80 4.17 ~~5.36~~ 4.75 4.54 ~~5.70~~ 5.11 4.98 ~~6.13~~ 5.55 5.54 ~~6.67~~ 6.10 6.18 ~~7.33~~ 6.75 6.91 ~~8.08~~ 7.49 85 4.21 ~~5.40~~ 4.79 4.60 ~~5.77~~ 5.17 5.09 ~~6.24~~ 5.66 5.72 ~~6.86~~ 6.28 6.49 ~~7.63~~ 7.05 7.40 ~~8.54~~ 7.96 Primary Annuitant Unisex Age 60 65 70 75 80 85 3% 4% 3% 4% 3% 4% 3% 4% 3% 4% 3% 4% Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Unisex Age 60 3.84 4.43 4.07 4.66 4.34 4.93 4.65 5.24 5.00 5.61 5.39 6.03 65 3.90 4.49 4.17 4.75 4.47 5.05 4.83 5.41 5.23 5.83 5.68 6.31 70 3.96 4.54 4.25 4.83 4.60 5.17 5.02 5.59 5.49 6.07 6.03 6.63 75 4.00 4.58 4.32 4.90 4.72 5.28 5.20 5.76 5.76 6.33 6.41 6.99 80 4.03 4.62 4.38 4.95 4.81 5.38 5.36 5.92 6.02 6.58 6.81 7.38 85 4.05 4.64 4.42 4.99 4.88 5.45 5.49 6.05 6.25 6.81 7.20 7.76 OPTION 3 — - JOINT AND 66 2/3% SURVIVOR LIFE Primary Annuitant Male Age 60 65 70 75 80 85 ~~Female~~ 3% 54% 3% 54% 3% 54% 3% 54% 3% 54% 3% 54% ~~Age~~ Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Female Age 60 3.80 ~~5.01~~ 4.39 3.97 ~~5.18~~ 4.56 4.16 ~~5.36~~ 4.75 4.35 ~~5.58~~ 4.95 4.55 ~~5.81~~ 5.17 4.76 ~~6.06~~ 5.40 65 3.90 ~~5.10~~ 4.49 4.12 ~~5.30~~ 4.69 4.34 ~~5.52~~ 4.92 4.58 ~~5.77~~ 5.17 4.83 ~~6.05~~ 5.43 5.07 ~~6.34~~ 5.70 70 4.00 ~~5.18~~ 4.58 4.25 ~~5.42~~ 4.83 4.53 ~~5.69~~ 5.10 4.84 ~~6.00~~ 5.41 5.15 ~~6.33~~ 5.73 5.46 ~~6.68~~ 6.06 75 4.08 ~~5.26~~ 4.66 4.38 ~~5.54~~ 4.95 4.72 ~~5.87~~ 5.28 5.11 ~~6.25~~ 5.67 5.51 ~~6.66~~ 6.08 5.92 ~~7.10~~ 6.50 80 4.14 ~~5.33~~ 4.72 4.48 ~~5.64~~ 5.05 4.89 ~~6.03~~ 5.45 5.37 ~~6.50~~ 5.92 5.90 ~~7.03~~ 6.45 ~~7.59~~ 6.45 7.01 85 4.19 ~~5.38~~ 4.77 4.56 ~~5.73~~ 5.13 5.03 ~~6.17~~ 5.59 5.61 ~~6.73~~ 6.16 6.28 ~~7.39~~ 6.83 7.02 ~~8.14~~ 7.58 OPTION 3 — - JOINT AND 100% SURVIVOR LIFE Primary Annuitant Male Age 60 65 70 75 80 85 ~~Female~~ 3% 54% 3% 54% 3% 54% 3% 54% 3% 54% 3% 54% ~~Age~~ Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Female Age 60 3.60 ~~4.80~~ 4.19 3.69 ~~4.88~~ 4.27 3.76 ~~4.94~~ 4.34 3.81 ~~5.00~~ 4.39 3.84 ~~5.04~~ 4.43 3.87 ~~5.06~~ 4.45 65 3.75 ~~4.93~~ 4.32 3.88 ~~5.04~~ 4.45 3.99 ~~5.15~~ 4.55 4.07 ~~5.23~~ 4.64 4.14 ~~5.30~~ 4.71 4.18 ~~5.35~~ 4.76 70 3.88 ~~5.05~~ 4.45 4.06 ~~5.21~~ 4.62 4.24 ~~5.37~~ 4.79 4.38 ~~5.52~~ 4.94 4.50 ~~5.63~~ 5.06 4.58 ~~5.72~~ 5.14 75 3.99 ~~5.16~~ 4.56 4.23 ~~5.38~~ 4.79 4.49 ~~5.61~~ 5.03 4.72 ~~5.83~~ 5.27 4.93 ~~6.03~~ 5.47 5.08 ~~6.19~~ 5.63 80 4.08 ~~5.25~~ 4.65 4.38 ~~5.52~~ 4.94 4.72 ~~5.83~~ 5.27 5.07 ~~6.17~~ 5.61 5.40 ~~6.49~~ 5.94 5.68 ~~6.77~~ 6.22 85 4.15 ~~5.33~~ 4.73 4.50 ~~5.65~~ 5.06 4.91 ~~6.03~~ 5.46 5.39 ~~6.49~~ 5.93 5.89 ~~6.97~~ 6.43 6.37 7.44 Primary Annuitant Unisex Age 60 65 70 75 80 85 Unisex 3% 5% 3% 5% 3% 5% 3% 5% 3% 5% 3% 5% Age Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable 60 3.84 5.05 4.07 5.27 4.34 5.54 4.65 5.86 5.00 6.24 5.39 6.69 65 3.90 5.10 4.17 5.35 4.47 5.65 4.83 6.01 5.23 6.44 5.68 6.94 70 3.96 5.15 4.25 5.43 4.60 5.76 5.02 6.17 5.49 6.66 6.03 7.24 75 4.00 5.19 4.32 5.49 4.72 5.87 5.20 6.34 5.76 6.91 6.41 7.58 80 4.03 5.23 4.38 5.55 4.81 5.96 5.36 6.49 6.02 7.15 6.81 7.96 85 4.05 5.25 4.42 5.59 4.88 6.04 5.49 6.62 6.25 7.38 7.20 8.33 29 6.90 10-2128 27 OPTION 4 — - PERIOD CERTAIN ONLY Monthly Income 3% 54% Years Fixed Variable 5 ~~17.91 18.74~~ 17.90 18.32 6 ~~15.14 15.99~~ 15.13 15.56 7 13.16 ~~14.02~~ 13.59 8 11.68 ~~12.56~~ 12.12 9 10.53 ~~11.42~~ 10.97 10 9.61 ~~10.51~~ 10.06 11 8.86 ~~9.77~~ 9.31 12 8.24 ~~9.16~~ 8.69 13 7.71 ~~8.64~~ 8.17 14 7.26 ~~8.20~~ 7.72 15 6.87 ~~7.82~~ 7.34 16 6.53 ~~7.49~~ 7.00 17 6.23 ~~7.20~~ 6.71 18 5.96 ~~6.94~~ 6.44 19 5.73 ~~6.71~~ 6.21 20 5.51 ~~6.51~~ 6.00 21 5.32 ~~6.33~~ 5.81 22 5.15 ~~6.17~~ 5.64 23 4.99 ~~6.02~~ 5.49 24 4.84 ~~5.88~~ 5.35 25 4.71 ~~5.76~~ 5.22 26 4.59 ~~5.65~~ 5.10 27 4.47 ~~5.54~~ 5.00 28 4.37 ~~5.45~~ 4.90 29 4.27 ~~5.36~~ 4.80 30 4.18 ~~5.28 A Stock Company~~ 4.72 10-2128 Pacific Life ~~Insurance~~ & Annuity Company ~~• 700~~ l 000 Xxxxxxx Xxxxxx Xxxxx ~~• Newport Beach~~x Xxxxxxx Xxxxx, ~~CA 92660~~ XX 00000 INDIVIDUAL FLEXIBLE PREMIUM DEFERRED VARIABLE ANNUITY CONTRACT Investment Experience Reflected in Benefits Variable Accumulation Before Annuity Date ~~Annuities Payable in~~ Variable and Fixed ~~Dollar Amounts~~ Annuity Payments After Annuity Date Death Benefit Proceeds Payable Before Annuity Date Non-~~Participating~~Participating - No Dividends are Payable

Appears in 1 contract

Samples: Separate Account a of Pacific Life & Annuity Co

Basis of Computations. The actuarial basis for the fixed Annuity Option Tables is the 1983a Annuity Mortality Table with the ages set back ten (10) years with interest at an annual rate of 3%. The rates for variable annuity payments are based on an assumed investment return of 5% per year and the 1983a Annuity Mortality Table with the ages set back ten (10) years. Rates Not Shown – — Any rates and/or ages not shown in the tables contained in this Contract will be provided by the Company upon request. Annuity benefits will not be less than those that would have been provided by the application of an amount to purchase any single premium immediate annuity offered by us at the time annuity payments commence to the same class of annuitants. ICC10:10-1185-L OPTIONS 1 AND 2 LIFE ONLY OR LIFE WITH GUARANTEED PERIOD CERTAIN OF 10 AND 20 YEARS Fixed Annuity Rates Male at 3% Female at 3% Unisex at 3% Life with Life with Life with Guaranteed Guaranteed Guaranteed Life Period Certain Life Period Certain Life Period Certain Age Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. 30 3.04 3.03 3.03 2.93 2.93 2.93 2.99 2.98 2.98 35 3.14 3.14 3.13 3.02 3.02 3.01 3.08 3.08 3.07 40 3.28 3.27 3.26 3.13 3.12 3.12 3.20 3.20 3.19 45 3.44 3.44 3.41 3.26 3.26 3.24 3.35 3.35 3.33 50 3.66 3.64 3.60 3.42 3.42 3.40 3.54 3.54 3.50 55 3.93 3.90 3.82 3.63 3.63 3.59 3.78 3.77 3.71 60 4.27 4.22 4.08 3.90 3.89 3.82 4.09 4.06 3.96 65 4.70 4.62 4.39 4.25 4.22 4.11 4.48 4.43 4.25 70 5.28 5.14 4.71 4.72 4.66 4.44 5.00 4.90 4.58 75 6.10 5.81 5.02 5.35 5.22 4.79 5.73 5.52 4.92 80 7.23 6.61 5.27 6.25 5.96 5.12 6.74 6.30 5.20 85 8.82 7.49 5.42 7.56 6.89 5.35 8.18 7.20 5.39 90 11.06 8.33 5.49 9.53 7.89 5.47 10.28 8.12 5.48 95 14.16 8.97 5.51 12.48 8.74 5.50 13.30 8.86 5.51 Variable Annuity Rates Male at 5% Female at 5% Unisex at 5% Life with Life with Life with Guaranteed Guaranteed Guaranteed Life Period Certain Life Period Certain Life Period Certain Age Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. 30 4.38 4.37 4.36 4.29 4.29 4.29 4.34 4.33 4.33 35 4.46 4.46 4.44 4.36 4.35 4.35 4.41 4.41 4.40 40 4.57 4.56 4.54 4.44 4.44 4.42 4.51 4.50 4.49 45 4.71 4.70 4.67 4.55 4.54 4.52 4.63 4.62 4.60 50 4.91 4.89 4.82 4.69 4.68 4.65 4.80 4.78 4.74 55 5.16 5.12 5.02 4.87 4.86 4.81 5.02 4.99 4.92 60 5.48 5.41 5.24 5.12 5.09 5.01 5.30 5.26 5.13 65 5.89 5.79 5.51 5.44 5.40 5.26 5.67 5.60 5.39 70 6.46 6.28 5.80 5.89 5.80 5.55 6.18 6.05 5.68 75 7.27 6.91 6.08 6.51 6.34 5.87 6.89 6.64 5.98 80 8.41 7.68 6.29 7.39 7.05 6.16 7.90 7.38 6.23 85 10.02 8.52 6.43 8.72 7.93 6.37 9.36 8.24 6.40 90 12.29 9.30 6.49 10.71 8.88 6.47 11.49 9.10 6.48 95 15.42 9.90 6.51 13.70 9.68 6.50 14.55 9.80 6.51 ICC10:10-1185-L 28 OPTION 3 — JOINT AND 50% SURVIVOR LIFE Primary Annuitant Male Age 60 65 70 75 80 85 ~~Female~~ 3% 5% 3% 5% 3% 5% 3% 5% 3% 5% 3% 5% ~~Age~~ Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Female Age 60 3.91 5.12 4.13 5.34 4.39 5.60 4.69 5.92 5.02 6.30 5.38 6.73 65 3.99 5.19 4.25 5.43 4.54 5.73 4.88 6.09 5.26 6.51 5.67 6.98 70 4.06 5.25 4.36 5.53 4.70 5.87 5.10 6.27 5.55 6.75 6.03 7.29 75 4.12 5.31 4.46 5.62 4.85 6.00 5.32 6.47 5.86 7.03 6.45 7.66 80 4.17 5.36 4.54 5.70 4.98 6.13 5.54 6.67 6.18 7.33 6.91 8.08 85 4.21 5.40 4.60 5.77 5.09 6.24 5.72 6.86 6.49 7.63 7.40 8.54 ~~OPTION 3 — JOINT AND 66 2/3% SURVIVOR LIFE~~ Primary Annuitant ~~Male~~ Unisex Age 60 65 70 75 80 85 ~~Female~~ 3% 5% 3% 5% 3% 5% 3% 5% 3% 5% 3% 5% ~~Age~~ Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Unisex Age 60 3.84 5.05 4.07 5.27 4.34 5.54 4.65 5.86 5.00 6.24 5.39 6.69 65 3.90 5.10 4.17 5.35 4.47 5.65 4.83 6.01 5.23 6.44 5.68 6.94 70 3.96 5.15 4.25 5.43 4.60 5.76 5.02 6.17 5.49 6.66 6.03 7.24 75 4.00 5.19 4.32 5.49 4.72 5.87 5.20 6.34 5.76 6.91 6.41 7.58 80 4.03 5.23 4.38 5.55 4.81 5.96 5.36 6.49 6.02 7.15 6.81 7.96 85 4.05 5.25 4.42 5.59 4.88 6.04 5.49 6.62 6.25 7.38 7.20 8.33 OPTION 3 — JOINT AND 66 2/3% SURVIVOR LIFE Primary Annuitant Male Age 60 65 70 75 80 85 3% 5% 3% 5% 3% 5% 3% 5% 3% 5% 3% 5% Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Female Age 60 3.80 5.01 3.97 5.18 4.16 5.36 4.35 5.58 4.55 5.81 4.76 6.06 65 3.90 5.10 4.12 5.30 4.34 5.52 4.58 5.77 4.83 6.05 5.07 6.34 70 4.00 5.18 4.25 5.42 4.53 5.69 4.84 6.00 5.15 6.33 5.46 6.68 75 4.08 5.26 4.38 5.54 4.72 5.87 5.11 6.25 5.51 6.66 5.92 7.10 80 4.14 5.33 4.48 5.64 4.89 6.03 5.37 6.50 5.90 7.03 6.45 7.59 85 4.19 5.38 4.56 5.73 5.03 6.17 5.61 6.73 6.28 7.39 7.02 8.14 OPTION 3 — JOINT AND 100% SURVIVOR LIFE Primary Annuitant Male Age 60 65 70 75 80 85 ~~Female~~ 3% 5% 3% 5% 3% 5% 3% 5% 3% 5% 3% 5% ~~Age~~ Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Female Age 60 3.60 4.80 3.69 4.88 3.76 4.94 3.81 5.00 3.84 5.04 3.87 5.06 65 3.75 4.93 3.88 5.04 3.99 5.15 4.07 5.23 4.14 5.30 4.18 5.35 70 3.88 5.05 4.06 5.21 4.24 5.37 4.38 5.52 4.50 5.63 4.58 5.72 75 3.99 5.16 4.23 5.38 4.49 5.61 4.72 5.83 4.93 6.03 5.08 6.19 80 4.08 5.25 4.38 5.52 4.72 5.83 5.07 6.17 5.40 6.49 5.68 6.77 85 4.15 5.33 4.50 5.65 4.91 6.03 5.39 6.49 5.89 6.97 6.37 7.44 Primary Annuitant Unisex Age 60 65 70 75 80 85 Unisex 3% 5% 3% 5% 3% 5% 3% 5% 3% 5% 3% 5% Age Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable 60 3.84 5.05 4.07 5.27 4.34 5.54 4.65 5.86 5.00 6.24 5.39 6.69 65 3.90 5.10 4.17 5.35 4.47 5.65 4.83 6.01 5.23 6.44 5.68 6.94 70 3.96 5.15 4.25 5.43 4.60 5.76 5.02 6.17 5.49 6.66 6.03 7.24 75 4.00 5.19 4.32 5.49 4.72 5.87 5.20 6.34 5.76 6.91 6.41 7.58 80 4.03 5.23 4.38 5.55 4.81 5.96 5.36 6.49 6.02 7.15 6.81 7.96 85 4.05 5.25 4.42 5.59 4.88 6.04 5.49 6.62 6.25 7.38 7.20 8.33 ICC10:10-1185-L 29 OPTION 4 — PERIOD CERTAIN ONLY Monthly Income 3% 5% Years Fixed Variable 5 ~~17.91~~ 17.90 18.74 6 ~~15.14 15.99~~ 15.13 15.98 7 13.16 14.02 8 11.68 12.56 9 10.53 11.42 10 9.61 10.51 11 8.86 9.77 12 8.24 9.16 13 7.71 8.64 14 7.26 8.20 15 6.87 7.82 16 6.53 7.49 17 6.23 7.20 18 5.96 6.94 19 5.73 6.71 20 5.51 6.51 21 5.32 6.33 22 5.15 6.17 23 4.99 6.02 24 4.84 5.88 25 4.71 5.76 26 4.59 5.65 27 4.47 5.54 28 4.37 5.45 29 4.27 5.36 30 4.18 5.28 ~~A Stock Company~~ ICC10:10-1185-L Pacific Life Insurance Company • [700 Xxxxxxx Xxxxxx Xxxxx • ~~Newport Beach~~Xxxxxxx Xxxxx, ~~CA 92660~~ XX 00000] INDIVIDUAL ~~FLEXIBLE~~ LIMITED PREMIUM DEFERRED VARIABLE ANNUITY CONTRACT Investment Experience Reflected in Benefits Variable Accumulation Before Annuity Date Withdrawal Charges Waived in Specific Instances Annuities Payable in Variable and Fixed Dollar Amounts Death Benefit Proceeds Payable Before Annuity Date Non-Participating

Appears in 1 contract

Samples: Separate Account a of Pacific Life Insurance Co

Basis of Computations. The actuarial basis for the fixed Annuity Option Tables is the 1983a Annuity Mortality Table with the ages set back ten (10) years with interest at an annual rate of 3%. The rates for variable annuity payments are based on an assumed investment return of 5% per year and the 1983a Annuity Mortality Table with the ages set back ten (10) years. Rates Not Shown – - Any rates and/or ages not shown in the tables contained in this Contract will be provided by the Company upon request. OPTIONS 1 AND 2 LIFE ONLY OR LIFE WITH GUARANTEED PERIOD CERTAIN OF 10 AND 20 YEARS Fixed Annuity Rates --------------------------------------------------------------------------------- Male at 3% Female at 3% Unisex at 3% ----------------------- ----------------------- ----------------------- Life with Life with Life with Guaranteed Guaranteed Guaranteed ~~Life~~ Period Certain Period Certain Period Certain Life ~~Period Certain~~ --------------- Life ~~Period Certain~~ --------------- Life --------------- Age Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. --- ----- ------ ------ ----- ------ ------ ----- ------ ------ 30 3.04 3.03 3.03 2.93 2.93 2.93 2.99 2.98 2.98 35 3.14 3.14 3.13 3.02 3.02 3.01 3.08 3.08 3.07 40 3.28 3.27 3.26 3.13 3.12 3.12 3.20 3.20 3.19 45 3.44 3.44 3.41 3.26 3.26 3.24 3.35 3.35 3.33 50 3.66 3.64 3.60 3.42 3.42 3.40 3.54 3.54 3.50 55 3.93 3.90 3.82 3.63 3.63 3.59 3.78 3.77 3.71 60 4.27 4.22 4.08 3.90 3.89 3.82 4.09 4.06 3.96 65 4.70 4.62 4.39 4.25 4.22 4.11 4.48 4.43 4.25 70 5.28 5.14 4.71 4.72 4.66 4.44 5.00 4.90 4.58 75 6.10 5.81 5.02 5.35 5.22 4.79 5.73 5.52 4.92 80 7.23 6.61 5.27 6.25 5.96 5.12 6.74 6.30 5.20 85 8.82 7.49 5.42 7.56 6.89 5.35 8.18 7.20 5.39 90 11.06 8.33 5.49 9.53 7.89 5.47 10.28 8.12 5.48 95 14.16 8.97 5.51 12.48 8.74 5.50 13.30 8.86 5.51 --------------------------------------------------------------------------------- Variable Annuity Rates --------------------------------------------------------------------------------- Male at 5% Female at 5% Unisex at 5% ----------------------- ----------------------- ----------------------- Life with Life with Life with Guaranteed Guaranteed Guaranteed ~~Life~~ Period Certain Period Certain Period Certain Life ~~Period Certain~~ --------------- Life ~~Period Certain~~ --------------- Life --------------- Age Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. --- ----- ------ ------ ----- ------ ------ ----- ------ ------ 30 4.38 4.37 4.36 4.29 4.29 4.29 4.34 4.33 4.33 35 4.46 4.46 4.44 4.36 4.35 4.35 4.41 4.41 4.40 40 4.57 4.56 4.54 4.44 4.44 4.42 4.51 4.50 4.49 45 4.71 4.70 4.67 4.55 4.54 4.52 4.63 4.62 4.60 50 4.91 4.89 4.82 4.69 4.68 4.65 4.80 4.78 4.74 55 5.16 5.12 5.02 4.87 4.86 4.81 5.02 4.99 4.92 60 5.48 5.41 5.24 5.12 5.09 5.01 5.30 5.26 5.13 65 5.89 5.79 5.51 5.44 5.40 5.26 5.67 5.60 5.39 70 6.46 6.28 5.80 5.89 5.80 5.55 6.18 6.05 5.68 75 7.27 6.91 6.08 6.51 6.34 5.87 6.89 6.64 5.98 80 8.41 7.68 6.29 7.39 7.05 6.16 7.90 7.38 6.23 85 10.02 8.52 6.43 8.72 7.93 6.37 9.36 8.24 6.40 90 12.29 9.30 6.49 10.71 8.88 6.47 11.49 9.10 6.48 95 15.42 9.90 6.51 13.70 9.68 6.50 14.55 9.80 6.51 28 --------------------------------------------------------------------------------- OPTION 3 — - JOINT AND 50% SURVIVOR LIFE Primary Annuitant Male Age 60 65 70 75 80 85 Female 3% 5% 3% 5% 3% 5% 3% 5% 3% 5% 3% 5% Age Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable 60 3.91 5.12 4.13 5.34 4.39 5.60 4.69 5.92 5.02 6.30 5.38 6.73 65 3.99 5.19 4.25 5.43 4.54 5.73 4.88 6.09 5.26 6.51 5.67 6.98 70 4.06 5.25 4.36 5.53 4.70 5.87 5.10 6.27 5.55 6.75 6.03 7.29 75 4.12 5.31 4.46 5.62 4.85 6.00 5.32 6.47 5.86 7.03 6.45 7.66 80 4.17 5.36 4.54 5.70 4.98 6.13 5.54 6.67 6.18 7.33 6.91 8.08 85 4.21 5.40 4.60 5.77 5.09 6.24 5.72 6.86 6.49 7.63 7.40 8.54 OPTION 3 — JOINT AND 66 2/3% SURVIVOR LIFE Primary Annuitant Male Age 60 65 70 75 80 85 Female 3% 5% 3% 5% 3% 5% 3% 5% 3% 5% 3% 5% Age Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable 60 3.80 5.01 3.97 5.18 4.16 5.36 4.35 5.58 4.55 5.81 4.76 6.06 65 3.90 5.10 4.12 5.30 4.34 5.52 4.58 5.77 4.83 6.05 5.07 6.34 70 4.00 5.18 4.25 5.42 4.53 5.69 4.84 6.00 5.15 6.33 5.46 6.68 75 4.08 5.26 4.38 5.54 4.72 5.87 5.11 6.25 5.51 6.66 5.92 7.10 80 4.14 5.33 4.48 5.64 4.89 6.03 5.37 6.50 5.90 7.03 6.45 7.59 85 4.19 5.38 4.56 5.73 5.03 6.17 5.61 6.73 6.28 7.39 7.02 8.14 OPTION 3 — JOINT AND 100% SURVIVOR LIFE Primary Annuitant Male Age 60 65 70 75 80 85 Female 3% 5% 3% 5% 3% 5% 3% 5% 3% 5% 3% 5% Age Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable 60 3.60 4.80 3.69 4.88 3.76 4.94 3.81 5.00 3.84 5.04 3.87 5.06 65 3.75 4.93 3.88 5.04 3.99 5.15 4.07 5.23 4.14 5.30 4.18 5.35 70 3.88 5.05 4.06 5.21 4.24 5.37 4.38 5.52 4.50 5.63 4.58 5.72 75 3.99 5.16 4.23 5.38 4.49 5.61 4.72 5.83 4.93 6.03 5.08 6.19 80 4.08 5.25 4.38 5.52 4.72 5.83 5.07 6.17 5.40 6.49 5.68 6.77 85 4.15 5.33 4.50 5.65 4.91 6.03 5.39 6.49 5.89 6.97 6.37 7.44 Primary Annuitant Unisex Age 60 65 70 75 80 85 Unisex 3% 5% 3% 5% 3% 5% 3% 5% 3% 5% 3% 5% Age Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable 60 3.84 5.05 4.07 5.27 4.34 5.54 4.65 5.86 5.00 6.24 5.39 6.69 65 3.90 5.10 4.17 5.35 4.47 5.65 4.83 6.01 5.23 6.44 5.68 6.94 70 3.96 5.15 4.25 5.43 4.60 5.76 5.02 6.17 5.49 6.66 6.03 7.24 75 4.00 5.19 4.32 5.49 4.72 5.87 5.20 6.34 5.76 6.91 6.41 7.58 80 4.03 5.23 4.38 5.55 4.81 5.96 5.36 6.49 6.02 7.15 6.81 7.96 85 4.05 5.25 4.42 5.59 4.88 6.04 5.49 6.62 6.25 7.38 7.20 8.33 29 OPTION 4 — PERIOD CERTAIN ONLY Monthly Income 3% 5% Years Fixed Variable 5 17.91 18.74 6 15.14 15.99 7 13.16 14.02 8 11.68 12.56 9 10.53 11.42 10 9.61 10.51 11 8.86 9.77 12 8.24 9.16 13 7.71 8.64 14 7.26 8.20 15 6.87 7.82 16 6.53 7.49 17 6.23 7.20 18 5.96 6.94 19 5.73 6.71 20 5.51 6.51 21 5.32 6.33 22 5.15 6.17 23 4.99 6.02 24 4.84 5.88 25 4.71 5.76 26 4.59 5.65 27 4.47 5.54 28 4.37 5.45 29 4.27 5.36 30 4.18 5.28 A Stock Company Pacific Life Insurance Company • 700 Xxxxxxx Xxxxxx Xxxxx • Newport Beach, CA 92660 INDIVIDUAL FLEXIBLE PREMIUM DEFERRED VARIABLE ANNUITY CONTRACT Investment Experience Reflected in Benefits Variable Accumulation Before Annuity Date Annuities Payable in Variable and Fixed Dollar Amounts Death Benefit Proceeds Payable Before Annuity Date Non-ParticipatingAge

Appears in 1 contract

Samples: Separate Account a of Pacific Life Insurance Co

Basis of Computations. The actuarial basis for the fixed Annuity Option Tables is the 1983a Annuity Mortality Table with the ages set back ten (10) years with interest at an annual rate of 3%. The rates for variable annuity payments are based on an assumed investment return of 5% per year and the 1983a Annuity Mortality Table with the ages set back ten (10) years. Rates Not Shown – — Any rates and/or ages not shown in the tables contained in this Contract will be provided by the Company upon request. Annuity benefits will not be less than those that would have been provided by the application of an amount to purchase any single premium immediate annuity offered by us at the time annuity payments commence to the same class of annuitants. ICC10:10-1185 OPTIONS 1 AND 2 LIFE ONLY OR LIFE WITH GUARANTEED PERIOD CERTAIN OF 10 AND 20 YEARS Fixed Annuity Rates Male at 3% Female at 3% Unisex at 3% Life with Life with Life with Guaranteed Guaranteed Guaranteed Life Period Certain Life Period Certain Life Period Certain Age Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. 30 3.04 3.03 3.03 2.93 2.93 2.93 2.99 2.98 2.98 35 3.14 3.14 3.13 3.02 3.02 3.01 3.08 3.08 3.07 40 3.28 3.27 3.26 3.13 3.12 3.12 3.20 3.20 3.19 45 3.44 3.44 3.41 3.26 3.26 3.24 3.35 3.35 3.33 50 3.66 3.64 3.60 3.42 3.42 3.40 3.54 3.54 3.50 55 3.93 3.90 3.82 3.63 3.63 3.59 3.78 3.77 3.71 60 4.27 4.22 4.08 3.90 3.89 3.82 4.09 4.06 3.96 65 4.70 4.62 4.39 4.25 4.22 4.11 4.48 4.43 4.25 70 5.28 5.14 4.71 4.72 4.66 4.44 5.00 4.90 4.58 75 6.10 5.81 5.02 5.35 5.22 4.79 5.73 5.52 4.92 80 7.23 6.61 5.27 6.25 5.96 5.12 6.74 6.30 5.20 85 8.82 7.49 5.42 7.56 6.89 5.35 8.18 7.20 5.39 90 11.06 8.33 5.49 9.53 7.89 5.47 10.28 8.12 5.48 95 14.16 8.97 5.51 12.48 8.74 5.50 13.30 8.86 5.51 Variable Annuity Rates Male at 5% Female at 5% Unisex at 5% Life with Life with Life with Guaranteed Guaranteed Guaranteed Life Period Certain Life Period Certain Life Period Certain Age Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. 30 4.38 4.37 4.36 4.29 4.29 4.29 4.34 4.33 4.33 35 4.46 4.46 4.44 4.36 4.35 4.35 4.41 4.41 4.40 40 4.57 4.56 4.54 4.44 4.44 4.42 4.51 4.50 4.49 45 4.71 4.70 4.67 4.55 4.54 4.52 4.63 4.62 4.60 50 4.91 4.89 4.82 4.69 4.68 4.65 4.80 4.78 4.74 55 5.16 5.12 5.02 4.87 4.86 4.81 5.02 4.99 4.92 60 5.48 5.41 5.24 5.12 5.09 5.01 5.30 5.26 5.13 65 5.89 5.79 5.51 5.44 5.40 5.26 5.67 5.60 5.39 70 6.46 6.28 5.80 5.89 5.80 5.55 6.18 6.05 5.68 75 7.27 6.91 6.08 6.51 6.34 5.87 6.89 6.64 5.98 80 8.41 7.68 6.29 7.39 7.05 6.16 7.90 7.38 6.23 85 10.02 8.52 6.43 8.72 7.93 6.37 9.36 8.24 6.40 90 12.29 9.30 6.49 10.71 8.88 6.47 11.49 9.10 6.48 95 15.42 9.90 6.51 13.70 9.68 6.50 14.55 9.80 6.51 ICC10:10-1185 28 OPTION 3 — JOINT AND 50% SURVIVOR LIFE Primary Annuitant Male Age 60 65 70 75 80 85 ~~Female~~ 3% 5% 3% 5% 3% 5% 3% 5% 3% 5% 3% 5% ~~Age~~ Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Female Age 60 3.91 5.12 4.13 5.34 4.39 5.60 4.69 5.92 5.02 6.30 5.38 6.73 65 3.99 5.19 4.25 5.43 4.54 5.73 4.88 6.09 5.26 6.51 5.67 6.98 70 4.06 5.25 4.36 5.53 4.70 5.87 5.10 6.27 5.55 6.75 6.03 7.29 75 4.12 5.31 4.46 5.62 4.85 6.00 5.32 6.47 5.86 7.03 6.45 7.66 80 4.17 5.36 4.54 5.70 4.98 6.13 5.54 6.67 6.18 7.33 6.91 8.08 85 4.21 5.40 4.60 5.77 5.09 6.24 5.72 6.86 6.49 7.63 7.40 8.54 ~~OPTION 3 — JOINT AND 66 2/3% SURVIVOR LIFE~~ Primary Annuitant ~~Male~~ Unisex Age 60 65 70 75 80 85 ~~Female~~ 3% 5% 3% 5% 3% 5% 3% 5% 3% 5% 3% 5% ~~Age~~ Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Unisex Age 60 3.84 5.05 4.07 5.27 4.34 5.54 4.65 5.86 5.00 6.24 5.39 6.69 65 3.90 5.10 4.17 5.35 4.47 5.65 4.83 6.01 5.23 6.44 5.68 6.94 70 3.96 5.15 4.25 5.43 4.60 5.76 5.02 6.17 5.49 6.66 6.03 7.24 75 4.00 5.19 4.32 5.49 4.72 5.87 5.20 6.34 5.76 6.91 6.41 7.58 80 4.03 5.23 4.38 5.55 4.81 5.96 5.36 6.49 6.02 7.15 6.81 7.96 85 4.05 5.25 4.42 5.59 4.88 6.04 5.49 6.62 6.25 7.38 7.20 8.33 OPTION 3 — JOINT AND 66 2/3% SURVIVOR LIFE Primary Annuitant Male Age 60 65 70 75 80 85 3% 5% 3% 5% 3% 5% 3% 5% 3% 5% 3% 5% Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Female Age 60 3.80 5.01 3.97 5.18 4.16 5.36 4.35 5.58 4.55 5.81 4.76 6.06 65 3.90 5.10 4.12 5.30 4.34 5.52 4.58 5.77 4.83 6.05 5.07 6.34 70 4.00 5.18 4.25 5.42 4.53 5.69 4.84 6.00 5.15 6.33 5.46 6.68 75 4.08 5.26 4.38 5.54 4.72 5.87 5.11 6.25 5.51 6.66 5.92 7.10 80 4.14 5.33 4.48 5.64 4.89 6.03 5.37 6.50 5.90 7.03 6.45 7.59 85 4.19 5.38 4.56 5.73 5.03 6.17 5.61 6.73 6.28 7.39 7.02 8.14 OPTION 3 — JOINT AND 100% SURVIVOR LIFE Primary Annuitant Male Age 60 65 70 75 80 85 ~~Female~~ 3% 5% 3% 5% 3% 5% 3% 5% 3% 5% 3% 5% ~~Age~~ Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Female Age 60 3.60 4.80 3.69 4.88 3.76 4.94 3.81 5.00 3.84 5.04 3.87 5.06 65 3.75 4.93 3.88 5.04 3.99 5.15 4.07 5.23 4.14 5.30 4.18 5.35 70 3.88 5.05 4.06 5.21 4.24 5.37 4.38 5.52 4.50 5.63 4.58 5.72 75 3.99 5.16 4.23 5.38 4.49 5.61 4.72 5.83 4.93 6.03 5.08 6.19 80 4.08 5.25 4.38 5.52 4.72 5.83 5.07 6.17 5.40 6.49 5.68 6.77 85 4.15 5.33 4.50 5.65 4.91 6.03 5.39 6.49 5.89 6.97 6.37 7.44 Primary Annuitant Unisex Age 60 65 70 75 80 85 Unisex 3% 5% 3% 5% 3% 5% 3% 5% 3% 5% 3% 5% Age Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable 60 3.84 5.05 4.07 5.27 4.34 5.54 4.65 5.86 5.00 6.24 5.39 6.69 65 3.90 5.10 4.17 5.35 4.47 5.65 4.83 6.01 5.23 6.44 5.68 6.94 70 3.96 5.15 4.25 5.43 4.60 5.76 5.02 6.17 5.49 6.66 6.03 7.24 75 4.00 5.19 4.32 5.49 4.72 5.87 5.20 6.34 5.76 6.91 6.41 7.58 80 4.03 5.23 4.38 5.55 4.81 5.96 5.36 6.49 6.02 7.15 6.81 7.96 85 4.05 5.25 4.42 5.59 4.88 6.04 5.49 6.62 6.25 7.38 7.20 8.33 ICC10:10-1185 29 OPTION 4 — PERIOD CERTAIN ONLY Monthly Income 3% 5% Years Fixed Variable 5 ~~17.91~~ 17.90 18.74 6 ~~15.14 15.99~~ 15.13 15.98 7 13.16 14.02 8 11.68 12.56 9 10.53 11.42 10 9.61 10.51 11 8.86 9.77 12 8.24 9.16 13 7.71 8.64 14 7.26 8.20 15 6.87 7.82 16 6.53 7.49 17 6.23 7.20 18 5.96 6.94 19 5.73 6.71 20 5.51 6.51 21 5.32 6.33 22 5.15 6.17 23 4.99 6.02 24 4.84 5.88 25 4.71 5.76 26 4.59 5.65 27 4.47 5.54 28 4.37 5.45 29 4.27 5.36 30 4.18 5.28 ~~A Stock Company~~ ICC10:10-1185 30 Pacific Life Insurance Company • [700 Xxxxxxx Xxxxxx Xxxxx • ~~Newport Beach~~Xxxxxxx Xxxxx, ~~CA 92660~~ XX 00000] INDIVIDUAL FLEXIBLE PREMIUM DEFERRED VARIABLE ANNUITY CONTRACT Investment Experience Reflected in Benefits Variable Accumulation Before Annuity Date Withdrawal Charges Waived in Specific Instances Annuities Payable in Variable and Fixed Dollar Amounts Death Benefit Proceeds Payable Before Annuity Date Non-Participating

Appears in 1 contract

Samples: Separate Account a of Pacific Life Insurance Co

Basis of Computations. The actuarial basis for the fixed Annuity Option Tables is the ~~1983a~~ 2000 Individual Annuity Mortality Table with the ages set back ten (10) years with interest at an annual rate of 31.50%. The rates for variable annuity payments are based on an assumed investment return of 5% per year and the ~~1983a~~ 2000 Individual Annuity Mortality Table with the ages set back ten (10) years. Rates Not Shown – — Any rates and/or ages not shown in the tables contained in this Contract will be provided by the Company upon request. Annuity benefits will not be less than those that would have been provided by the application of an amount to purchase any single premium immediate annuity offered by us at the time annuity payments commence to the same class of annuitants. OPTIONS 1 AND 2 LIFE ONLY OR LIFE WITH GUARANTEED PERIOD CERTAIN OF 10 AND 20 YEARS Fixed Annuity Rates Male at 31.50% Female at 31.50% Unisex at 31.50% Life with Life with Life with Guaranteed Guaranteed Guaranteed Life Period Certain Life Period Certain Life Period Certain Age Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. 30 ~~3.04 3.03 3.03~~ 2.09 2.09 2.08 2.01 2.01 2.00 2.05 2.05 2.04 35 2.20 2.20 2.19 2.10 2.10 2.10 2.15 2.15 2.15 40 2.33 2.33 2.32 2.22 2.22 2.21 2.28 2.27 2.27 45 2.49 2.49 2.47 2.36 2.36 2.35 2.43 2.42 2.41 50 2.69 2.68 2.66 2.53 2.53 2.51 2.61 2.61 2.59 55 2.94 2.93 ~~2.93 2.93~~ 2.88 2.74 2.73 2.71 2.84 2.83 2.80 60 3.24 3.22 3.14 3.00 2.99 ~~2.98 2.98 35 3.14 3.14 3.13 3.02 3.02 3.01 3.08 3.08 3.07 40 3.28 3.27 3.26 3.13~~ 2.95 3.12 ~~3.12 3.20 3.20 3.19 45 3.44 3.44 3.41 3.26 3.26~~ 3.11 3.05 65 3.63 3.60 3.45 3.34 3.32 3.24 3.49 3.46 3.35 ~~3.35 3.33 50 3.66 3.64 3.60 3.42 3.42 3.40 3.54 3.54 3.50 55 3.93 3.90 3.82 3.63 3.63 3.59~~ 70 4.15 4.07 3.79 3.78 ~~3.77 3.71 60 4.27 4.22 4.08 3.90 3.89 3.82 4.09 4.06~~ 3.74 3.58 3.96 ~~65 4.70 4.62~~ 3.91 3.69 75 4.85 4.69 4.14 4.37 4.28 3.96 4.61 4.49 4.05 80 5.82 5.45 4.44 5.19 5.00 4.32 5.50 5.23 4.39 ~~4.25 4.22 4.11 4.48 4.43 4.25 70 5.28 5.14 4.71 4.72 4.66 4.44 5.00 4.90 4.58 75 6.10 5.81 5.02 5.35 5.22 4.79 5.73 5.52 4.92 80 7.23 6.61 5.27 6.25 5.96 5.12 6.74 6.30 5.20~~ 85 ~~8.82 7.49 5.42 7.56 6.89 5.35 8.18 7.20 5.39~~ 7.15 6.32 4.65 6.39 5.91 4.60 6.76 6.12 4.63 90 ~~11.06 8.33 5.49 9.53 7.89 5.47 10.28 8.12 5.48~~ 9.01 7.22 4.76 8.16 6.93 4.75 8.58 7.08 4.75 95 ~~14.16 8.97 5.51 12.48 8.74 5.50 13.30 8.86 5.51~~ 11.61 8.00 4.81 10.79 7.86 4.80 11.20 7.93 4.80 Variable Annuity Rates Male at 5% Female at 5% Unisex at 5% Life with Life with Life with Guaranteed Guaranteed Guaranteed Life Period Certain Life Period Certain Life Period Certain Age Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. 30 4.34 4.34 4.33 4.28 4.28 4.27 4.31 4.31 4.30 35 4.41 4.41 4.40 4.34 4.33 4.33 4.38 4.37 4.36 ~~4.29 4.29 4.29 4.34 4.33 4.33 35~~ 40 4.51 4.50 4.48 4.41 4.41 4.40 4.46 4.46 4.44 ~~4.36 4.35 4.35 4.41 4.41 4.40 40 4.57 4.56 4.54 4.44 4.44 4.42 4.51 4.50 4.49~~ 45 ~~4.71 4.70 4.67 4.55 4.54 4.52~~ 4.63 4.62 4.60 4.51 4.51 4.49 4.57 4.56 4.55 50 ~~4.91 4.89 4.82 4.69 4.68 4.65 4.80~~ 4.79 4.78 4.74 4.64 4.63 4.61 4.72 4.71 4.68 55 ~~5.16 5.12~~ 5.01 4.99 4.91 4.81 4.80 4.76 4.91 4.90 4.84 60 5.29 5.25 5.13 5.04 5.02 ~~4.87 4.86 4.81 5.02 4.99 4.92 60 5.48 5.41 5.24 5.12 5.09 5.01 5.30 5.26 5.13~~ 4.95 5.17 5.14 5.04 65 ~~5.89~~ 5.66 5.59 5.38 5.35 5.31 5.19 5.50 5.45 5.29 70 6.16 6.03 5.66 5.76 5.69 5.47 5.96 5.86 5.57 75 6.86 6.61 5.95 6.33 6.20 5.79 ~~5.51 5.44 5.40 5.26 5.67 5.60 5.39 70~~ 6.60 6.40 5.88 80 7.85 7.32 6.20 7.15 6.87 6.10 7.50 7.10 6.15 85 9.22 8.12 6.37 8.37 7.72 6.33 8.79 7.93 6.35 90 11.13 8.94 6.47 10.19 8.67 6.45 10.65 8.81 6.46 6.28 5.80 5.89 5.80 5.55 6.18 6.05 5.68 75 7.27 6.91 6.08 6.51 6.34 5.87 6.89 6.64 5.98 80 8.41 7.68 6.29 7.39 7.05 6.16 7.90 7.38 6.23 85 10.02 8.52 6.43 8.72 7.93 6.37 9.36 8.24 6.40 90 12.29 9.30 6.49 10.71 8.88 6.47 11.49 9.10 6.48 95 ~~15.42 9.90 6.51 13.70 9.68~~ 13.79 9.64 6.50 ~~14.55 9.80 6.51 28~~ 12.91 9.51 6.50 13.34 9.58 6.50 10-1221 27 OPTION 3 — JOINT AND 50% SURVIVOR LIFE Primary Annuitant Male Age 60 65 70 75 80 85 ~~Female 3~~1.50% 5% 31.50% 5% 31.50% 5% 31.50% 5% 31.50% 5% 31.50% 5% ~~Age~~ Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Female Age 60 2.96 5.00 3.16 5.20 3.39 5.44 3.64 5.73 3.91 ~~5.12 4.13 5.34 4.39 5.60 4.69 5.92 5.02 6.30 5.38 6.73~~ 6.08 4.20 6.47 65 3.03 5.06 3.27 5.28 3.54 5.55 3.84 5.88 4.16 6.26 4.49 6.69 70 3.10 5.11 3.37 5.36 3.69 5.67 4.04 6.04 4.43 6.47 4.84 6.96 75 3.15 5.16 3.46 5.44 3.82 5.78 4.24 6.20 4.72 6.71 5.23 7.28 80 3.18 5.20 3.52 5.51 3.93 5.89 4.43 6.37 5.00 6.96 5.64 7.64 85 3.21 5.23 3.57 5.56 4.01 5.98 4.58 6.52 5.26 7.20 6.06 8.02 Primary Annuitant Unisex Age 60 65 70 75 80 85 1.50% 5% 1.50% 5% 1.50% 5% 1.50% 5% 1.50% 5% 1.50% 5% Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Unisex Age 60 2.91 4.95 3.13 5.15 3.36 5.39 3.63 5.68 3.92 6.03 4.23 6.44 65 2.97 5.00 3.22 5.22 3.50 5.49 3.81 5.81 4.15 6.20 4.52 6.66 70 3.02 5.04 3.30 5.29 3.62 5.59 3.99 ~~5.19 4.25~~ 5.96 4.40 6.40 4.85 6.92 75 3.06 5.08 3.36 5.35 3.73 5.68 4.16 6.10 4.66 6.62 5.21 7.22 80 3.08 5.11 3.41 5.40 3.81 5.77 4.30 6.24 4.89 6.83 5.58 7.54 85 3.10 5.13 3.44 5.43 ~~4.54 5.73 4.88 6.09 5.26 6.51 5.67 6.98 70 4.06 5.25 4.36 5.53 4.70 5.87~~ 3.87 5.83 4.41 6.35 5.10 ~~6.27 5.55 6.75 6.03 7.29 75 4.12 5.31 4.46 5.62 4.85 6.00 5.32 6.47 5.86~~ 7.03 ~~6.45 7.66 80 4.17 5.36 4.54 5.70 4.98 6.13 5.54 6.67 6.18 7.33 6.91 8.08 85 4.21 5.40 4.60 5.77 5.09 6.24 5.72 6.86 6.49 7.63 7.40 8.54~~ 5.93 7.86 OPTION 3 — JOINT AND 66 2/3% SURVIVOR LIFE Primary Annuitant Male Age 60 65 70 75 80 85 ~~Female 3~~1.50% 5% 31.50% 5% 31.50% 5% 31.50% 5% 31.50% 5% 31.50% 5% ~~Age~~ Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Female Age 60 2.87 4.91 3.03 5.06 3.20 5.24 3.36 5.43 3.53 5.65 3.69 5.89 65 2.97 4.98 3.17 5.17 3.38 5.37 3.59 5.61 3.80 ~~5.01~~ 5.86 4.00 6.13 70 3.05 5.06 3.29 5.27 3.56 5.52 3.83 5.80 4.11 6.11 4.37 6.43 75 3.11 5.12 3.40 5.37 3.72 5.67 4.07 6.01 4.44 6.40 4.80 6.80 80 3.16 5.17 3.48 5.46 3.86 5.80 4.30 6.22 4.78 6.70 5.27 7.22 85 3.19 5.21 3.54 5.52 3.97 ~~5.18 4.16 5.36 4.35 5.58 4.55 5.81 4.76 6.06 65 3.90~~ 5.92 4.49 6.42 5.10 4.12 5.30 4.34 5.52 4.58 5.77 4.83 6.05 5.07 6.34 70 4.00 5.18 4.25 5.42 4.53 5.69 4.84 6.00 5.15 6.33 5.46 6.68 75 4.08 5.26 4.38 5.54 4.72 5.87 5.11 6.25 5.51 6.66 5.92 7.10 80 4.14 5.33 4.48 5.64 4.89 6.03 5.37 6.50 5.90 7.03 6.45 7.59 85 4.19 5.38 4.56 5.73 5.03 6.17 5.61 6.73 6.28 7.39 7.02 8.14 7.01 5.76 7.68 OPTION 3 — JOINT AND 100% SURVIVOR LIFE Primary Annuitant Male Age 60 65 70 75 80 85 ~~Female 3~~1.50% 5% 31.50% 5% 31.50% 5% 31.50% 5% 31.50% 5% 31.50% 5% ~~Age~~ Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable 60 3.60 4.80 3.69 4.88 3.76 4.94 3.81 5.00 3.84 5.04 3.87 5.06 65 3.75 4.93 3.88 5.04 3.99 5.15 4.07 5.23 4.14 5.30 4.18 5.35 70 3.88 5.05 4.06 5.21 4.24 5.37 4.38 5.52 4.50 5.63 4.58 5.72 75 3.99 5.16 4.23 5.38 4.49 5.61 4.72 5.83 4.93 6.03 5.08 6.19 80 4.08 5.25 4.38 5.52 4.72 5.83 5.07 6.17 5.40 6.49 5.68 6.77 85 4.15 5.33 4.50 5.65 4.91 6.03 5.39 6.49 5.89 6.97 6.37 7.44 Primary Annuitant Unisex Female Age 60 2.72 4.74 2.80 4.81 2.87 4.87 2.92 4.92 2.95 4.96 2.97 4.99 65 2.85 4.84 2.98 4.95 3.09 5.05 3.18 5.14 3.24 5.20 3.28 5.25 70 2.96 4.95 3.15 5.10 3.32 5.25 3.47 5.39 3.58 5.50 3.66 5.59 75 3.05 5.04 3.29 5.24 3.54 5.45 3.77 5.66 3.97 5.85 4.12 6.01 80 3.12 5.11 3.41 5.36 3.73 5.64 4.07 5.95 4.39 6.25 4.66 6.52 85 Unisex 3% 5% 3% 5% 3% 5% 3% 5% 3% 5% 3% 5% Age Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable 60 3.84 5.05 4.07 5.27 4.34 5.54 4.65 5.86 5.00 6.24 5.39 6.69 65 3.90 5.10 4.17 5.35 4.47 5.65 4.83 6.01 5.23 6.44 5.68 6.94 70 3.96 5.15 4.25 5.43 4.60 5.76 5.02 6.17 5.49 3.17 5.17 3.50 5.46 3.89 5.81 4.33 6.21 4.80 6.66 ~~6.03 7.24 75 4.00 5.19 4.32 5.49 4.72 5.87 5.20 6.34 5.76 6.91 6.41 7.58 80 4.03 5.23 4.38 5.55 4.81 5.96 5.36 6.49 6.02 7.15 6.81 7.96 85 4.05~~ 5.25 ~~4.42 5.59 4.88 6.04 5.49 6.62 6.25 7.38 7.20 8.33 29~~ 7.09 10-1221 28 OPTION 4 — PERIOD CERTAIN ONLY Monthly Income 31.50% 5% Years Fixed Variable ~~5 17.91 18.74 6 15.14 15.99 7 13.16 14.02 8 11.68 12.56 9 10.53 11.42~~ 10 ~~9.61~~ 8.96 10.51 11 ~~8.86~~ 8.21 9.77 12 ~~8.24~~ 7.58 9.16 13 ~~7.71~~ 7.05 8.64 14 ~~7.26~~ 6.59 8.20 15 ~~6.87~~ 6.20 7.82 16 ~~6.53~~ 5.85 7.49 17 ~~6.23~~ 5.55 7.20 18 ~~5.96~~ 5.27 6.94 19 ~~5.73~~ 5.03 6.71 20 ~~5.51~~ 4.81 6.51 21 ~~5.32~~ 4.62 6.33 22 ~~5.15~~ 4.44 6.17 23 ~~4.99~~ 4.28 6.02 24 ~~4.84~~ 4.13 5.88 25 ~~4.71~~ 3.99 5.76 26 ~~4.59~~ 3.86 5.65 27 ~~4.47~~ 3.75 5.54 28 ~~4.37~~ 3.64 5.45 29 ~~4.27~~ 3.54 5.36 30 ~~4.18~~ 3.44 5.28 ~~A Stock Company~~ 10-1221 29 Pacific Life Insurance Company • [700 Xxxxxxx Xxxxxx Xxxxx • ~~Newport Beach~~Xxxxxxx Xxxxx, ~~CA 92660~~ XX 00000] INDIVIDUAL FLEXIBLE PREMIUM DEFERRED VARIABLE ANNUITY CONTRACT Investment Experience Reflected in Benefits Variable Accumulation Before Annuity Date Withdrawal Charges Waived in Specific Instances Annuities Payable in Variable and Fixed Dollar Amounts Death Benefit Proceeds Payable Before Annuity Date Non-Participating

Appears in 1 contract

Samples: Your Contract Carefully (Separate Account a of Pacific Life Insurance Co)

Basis of Computations. The actuarial basis for the fixed Annuity Option Tables is the 1983a Annuity Mortality Table with the ages set back ten (10) years with interest at an annual rate of 3%. The rates for variable annuity payments are based on an assumed investment return of 5% per year and the 1983a Annuity Mortality Table with the ages set back ten (10) years. Rates Not Shown – — Any rates and/or ages not shown in the tables contained in this Contract will be provided by the Company upon request. OPTIONS 1 AND 2 LIFE ONLY OR LIFE WITH GUARANTEED PERIOD CERTAIN OF 10 AND 20 YEARS Fixed Annuity Rates Male at 3% Female at 3% Unisex at 3% Life with Life with Life with Guaranteed Guaranteed Guaranteed Life Period Certain Life Period Certain Life Period Certain Age Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. 30 3.04 3.03 3.03 2.93 2.93 2.93 2.99 2.98 2.98 35 3.14 3.14 3.13 3.02 3.02 3.01 3.08 3.08 3.07 40 3.28 3.27 3.26 3.13 3.12 3.12 3.20 3.20 3.19 45 3.44 3.44 3.41 3.26 3.26 3.24 3.35 3.35 3.33 50 3.66 3.64 3.60 3.42 3.42 3.40 3.54 3.54 3.50 55 3.93 3.90 3.82 3.63 3.63 3.59 3.78 3.77 3.71 60 4.27 4.22 4.08 3.90 3.89 3.82 4.09 4.06 3.96 65 4.70 4.62 4.39 4.25 4.22 4.11 4.48 4.43 4.25 70 5.28 5.14 4.71 4.72 4.66 4.44 5.00 4.90 4.58 75 6.10 5.81 5.02 5.35 5.22 4.79 5.73 5.52 4.92 80 7.23 6.61 5.27 6.25 5.96 5.12 6.74 6.30 5.20 85 8.82 7.49 5.42 7.56 6.89 5.35 8.18 7.20 5.39 90 11.06 8.33 5.49 9.53 7.89 5.47 10.28 8.12 5.48 95 14.16 8.97 5.51 12.48 8.74 5.50 13.30 8.86 5.51 Variable Annuity Rates Male at 5% Female at 5% Unisex at 5% Life with Life with Life with Guaranteed Guaranteed Guaranteed Life Period Certain Life Period Certain Life Period Certain Age Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. 30 4.38 4.37 4.36 4.29 4.29 4.29 4.34 4.33 4.33 35 4.46 4.46 4.44 4.36 4.35 4.35 4.41 4.41 4.40 40 4.57 4.56 4.54 4.44 4.44 4.42 4.51 4.50 4.49 45 4.71 4.70 4.67 4.55 4.54 4.52 4.63 4.62 4.60 50 4.91 4.89 4.82 4.69 4.68 4.65 4.80 4.78 4.74 55 5.16 5.12 5.02 4.87 4.86 4.81 5.02 4.99 4.92 60 5.48 5.41 5.24 5.12 5.09 5.01 5.30 5.26 5.13 65 5.89 5.79 5.51 5.44 5.40 5.26 5.67 5.60 5.39 70 6.46 6.28 5.80 5.89 5.80 5.55 6.18 6.05 5.68 75 7.27 6.91 6.08 6.51 6.34 5.87 6.89 6.64 5.98 80 8.41 7.68 6.29 7.39 7.05 6.16 7.90 7.38 6.23 85 10.02 8.52 6.43 8.72 7.93 6.37 9.36 8.24 6.40 90 12.29 9.30 6.49 10.71 8.88 6.47 11.49 9.10 6.48 95 15.42 9.90 6.51 13.70 9.68 6.50 14.55 9.80 6.51 28 10-1170 25 OPTION 3 — JOINT AND 50% SURVIVOR LIFE Primary Annuitant Male Age 60 65 70 75 80 85 ~~Female~~ 3% 5% 3% 5% 3% 5% 3% 5% 3% 5% 3% 5% ~~Age~~ Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Female Age 60 3.91 5.12 4.13 5.34 4.39 5.60 4.69 5.92 5.02 6.30 5.38 6.73 65 3.99 5.19 4.25 5.43 4.54 5.73 4.88 6.09 5.26 6.51 5.67 6.98 70 4.06 5.25 4.36 5.53 4.70 5.87 5.10 6.27 5.55 6.75 6.03 7.29 75 4.12 5.31 4.46 5.62 4.85 6.00 5.32 6.47 5.86 7.03 6.45 7.66 80 4.17 5.36 4.54 5.70 4.98 6.13 5.54 6.67 6.18 7.33 6.91 8.08 85 4.21 5.40 4.60 5.77 5.09 6.24 5.72 6.86 6.49 7.63 7.40 8.54 ~~OPTION 3 — JOINT AND 66 2/3% SURVIVOR LIFE~~ Primary Annuitant ~~Male~~ Unisex Age 60 65 70 75 80 85 ~~Female~~ 3% 5% 3% 5% 3% 5% 3% 5% 3% 5% 3% 5% ~~Age~~ Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Unisex Age 60 3.84 5.05 4.07 5.27 4.34 5.54 4.65 5.86 5.00 6.24 5.39 6.69 65 3.90 5.10 4.17 5.35 4.47 5.65 4.83 6.01 5.23 6.44 5.68 6.94 70 3.96 5.15 4.25 5.43 4.60 5.76 5.02 6.17 5.49 6.66 6.03 7.24 75 4.00 5.19 4.32 5.49 4.72 5.87 5.20 6.34 5.76 6.91 6.41 7.58 80 4.03 5.23 4.38 5.55 4.81 5.96 5.36 6.49 6.02 7.15 6.81 7.96 85 4.05 5.25 4.42 5.59 4.88 6.04 5.49 6.62 6.25 7.38 7.20 8.33 OPTION 3 — JOINT AND 66 2/3% SURVIVOR LIFE Primary Annuitant Male Age 60 65 70 75 80 85 3% 5% 3% 5% 3% 5% 3% 5% 3% 5% 3% 5% Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Female Age 60 3.80 5.01 3.97 5.18 4.16 5.36 4.35 5.58 4.55 5.81 4.76 6.06 65 3.90 5.10 4.12 5.30 4.34 5.52 4.58 5.77 4.83 6.05 5.07 6.34 70 4.00 5.18 4.25 5.42 4.53 5.69 4.84 6.00 5.15 6.33 5.46 6.68 75 4.08 5.26 4.38 5.54 4.72 5.87 5.11 6.25 5.51 6.66 5.92 7.10 80 4.14 5.33 4.48 5.64 4.89 6.03 5.37 6.50 5.90 7.03 6.45 7.59 85 4.19 5.38 4.56 5.73 5.03 6.17 5.61 6.73 6.28 7.39 7.02 8.14 OPTION 3 — JOINT AND 100% SURVIVOR LIFE Primary Annuitant Male Age 60 65 70 75 80 85 ~~Female~~ 3% 5% 3% 5% 3% 5% 3% 5% 3% 5% 3% 5% ~~Age~~ Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Female Age 60 3.60 4.80 3.69 4.88 3.76 4.94 3.81 5.00 3.84 5.04 3.87 5.06 65 3.75 4.93 3.88 5.04 3.99 5.15 4.07 5.23 4.14 5.30 4.18 5.35 70 3.88 5.05 4.06 5.21 4.24 5.37 4.38 5.52 4.50 5.63 4.58 5.72 75 3.99 5.16 4.23 5.38 4.49 5.61 4.72 5.83 4.93 6.03 5.08 6.19 80 4.08 5.25 4.38 5.52 4.72 5.83 5.07 6.17 5.40 6.49 5.68 6.77 85 4.15 5.33 4.50 5.65 4.91 6.03 5.39 6.49 5.89 6.97 6.37 7.44 Primary Annuitant Unisex Age 60 65 70 75 80 85 Unisex 3% 5% 3% 5% 3% 5% 3% 5% 3% 5% 3% 5% Age Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable 60 3.84 5.05 4.07 5.27 4.34 5.54 4.65 5.86 5.00 6.24 5.39 6.69 65 3.90 5.10 4.17 5.35 4.47 5.65 4.83 6.01 5.23 6.44 5.68 6.94 70 3.96 5.15 4.25 5.43 4.60 5.76 5.02 6.17 5.49 6.66 6.03 7.24 75 4.00 5.19 4.32 5.49 4.72 5.87 5.20 6.34 5.76 6.91 6.41 7.58 80 4.03 5.23 4.38 5.55 4.81 5.96 5.36 6.49 6.02 7.15 6.81 7.96 85 4.05 5.25 4.42 5.59 4.88 6.04 5.49 6.62 6.25 7.38 7.20 8.33 29 10-1170 26 OPTION 4 — PERIOD CERTAIN ONLY Monthly Income 3% 5% Years Fixed Variable 5 ~~17.91~~ 17.90 18.74 6 ~~15.14 15.99~~ 15.13 15.98 7 13.16 14.02 8 11.68 12.56 9 10.53 11.42 10 9.61 10.51 11 8.86 9.77 12 8.24 9.16 13 7.71 8.64 14 7.26 8.20 15 6.87 7.82 16 6.53 7.49 17 6.23 7.20 18 5.96 6.94 19 5.73 6.71 20 5.51 6.51 21 5.32 6.33 22 5.15 6.17 23 4.99 6.02 24 4.84 5.88 25 4.71 5.76 26 4.59 5.65 27 4.47 5.54 28 4.37 5.45 29 4.27 5.36 30 4.18 5.28 ~~A Stock Company~~ 10-1170 27 Pacific Life Insurance Company • ~~700~~ [000 Xxxxxxx Xxxxxx Xxxxx • Newport Beach, CA ~~92660~~ 92660] INDIVIDUAL FLEXIBLE PREMIUM DEFERRED VARIABLE ANNUITY CONTRACT Investment Experience Reflected in Benefits Variable Accumulation Before Annuity Date Annuities Payable in Variable and Fixed Dollar Amounts Death Benefit Proceeds Payable Before Annuity Date Non-Participating

Appears in 1 contract

Samples: Separate Account a of Pacific Life Insurance Co

Appears in 1 contract

Samples: Separate Account a of Pacific Life Insurance Co

Basis of Computations. The actuarial basis for the ~~fixed Annuity Option Tables~~ annuity rates contained in the tables is the ~~1983a~~ 2000 Individual Annuity Mortality Table with the ages set back ~~ten (10)~~ 8 years and with interest at an annual rate of 3%~~. The rates for variable annuity payments are based on an assumed investment return of 5% per year and the 1983a Annuity Mortality Table with the ages set back ten (10) years~~. Rates Not Shown – Any rates and/or ages not shown in the tables contained in this Contract will be provided by the Company upon request. ICC09:10-1169 OPTIONS 1 AND 2 LIFE ONLY OR LIFE WITH GUARANTEED PERIOD CERTAIN OF 10 AND 20 YEARS ~~Fixed Annuity Rates~~ Male at 3% Female at 3% Unisex at 3% Life with Life with Life with Guaranteed Guaranteed Guaranteed Life Period Certain Life Period Certain Life Period Certain Age Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. 30 ~~3.04 3.03 3.03 2.93 2.93 2.93 2.99 2.98 2.98 35 3.14 3.14 3.13~~ [3.02 3.02 3.01 2.94 2.94 2.94 2.98 2.98 2.97 35 3.13 3.12 3.11 3.03 3.03 3.02 3.08 3.08 3.07 40 3.26 3.25 3.24 3.14 3.14 3.13 3.20 3.19 3.18 45 3.42 3.41 3.39 3.28 3.27 3.26 ~~3.13 3.12 3.12 3.20 3.20 3.19 45 3.44 3.44 3.41 3.26 3.26 3.24~~ 3.35 ~~3.35~~ 3.34 3.33 50 ~~3.66 3.64 3.60~~ 3.63 3.62 3.58 3.45 3.44 3.42 ~~3.42 3.40 3.54 3.54~~ 3.53 3.53 3.50 55 ~~3.93 3.90 3.82 3.63 3.63 3.59 3.78~~ 3.89 3.87 3.80 3.67 3.66 3.62 3.77 3.76 3.71 60 ~~4.27~~ 4.22 4.19 4.07 3.95 3.93 3.87 4.08 ~~3.90 3.89 3.82 4.09 4.06~~ 4.05 3.96 65 ~~4.70 4.62 4.39 4.25 4.22 4.11 4.48~~ 4.65 4.59 4.38 4.31 4.28 4.16 4.47 4.43 ~~4.25~~ 4.26 70 ~~5.28 5.14~~ 5.23 5.12 4.71 ~~4.72 4.66 4.44~~ 4.80 4.74 4.51 5.00 ~~4.90 4.58~~ 4.92 4.61 75 ~~6.10 5.81 5.02~~ 6.04 5.79 5.04 5.47 5.35 4.88 5.73 5.55 4.96 80 7.16 6.61 5.31 6.44 6.14 5.22 ~~4.79 5.73 5.52 4.92 80 7.23 6.61 5.27 6.25 5.96 5.12 6.74 6.30 5.20~~ 6.76 6.36 5.26 85 ~~8.82 7.49 5.42 7.56 6.89 5.35 8.18 7.20 5.39~~ 8.70 7.53 5.49 7.85 7.13 5.45 8.23 7.31 5.47 90 ~~11.06 8.33 5.49 9.53 7.89 5.47 10.28 8.12 5.48~~ 10.86 8.43 5.57 9.96 8.19 5.56 10.35 8.30 5.57 95 14.16 8.97 5.51 12.48 8.74 5.50 13.30 8.86 5.51 Variable Annuity Rates Male at 5% Female at 5% Unisex at 5% Life with Life with Life with Guaranteed Guaranteed Guaranteed Life Period Certain Life Period Certain Life Period Certain Age Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. 30 4.38 4.37 4.36 4.29 4.29 4.29 4.34 4.33 4.33 35 4.46 4.46 4.44 4.36 4.35 4.35 4.41 4.41 4.40 40 4.57 4.56 4.54 4.44 4.44 4.42 4.51 4.50 4.49 45 4.71 4.70 4.67 4.55 4.54 4.52 4.63 4.62 4.60 50 4.91 4.89 4.82 4.69 4.68 4.65 4.80 4.78 4.74 55 5.16 5.12 5.02 4.87 4.86 4.81 5.02 4.99 4.92 60 5.48 5.41 5.24 5.12 5.09 5.01 5.30 5.26 5.13 65 5.89 5.79 5.51 5.44 5.40 5.26 5.67 13.85 9.17 5.60 5.39 70 6.46 6.28 5.80 5.89 5.80 5.55 6.18 6.05 5.68 75 7.27 6.91 6.08 6.51 6.34 5.87 6.89 6.64 5.98 80 8.41 7.68 6.29 7.39 7.05 6.16 7.90 7.38 6.23 85 10.02 8.52 6.43 8.72 7.93 6.37 9.36 8.24 6.40 90 12.29 9.30 6.49 10.71 8.88 6.47 11.49 9.10 6.48 95 15.42 9.90 6.51 13.70 9.68 6.50 14.55 9.80 6.51 28 13.08 9.06 5.60 13.40 9.11 5.60] OPTION 3 — – JOINT AND 50% SURVIVOR LIFE ~~Primary Annuitant~~ Male Age (Primary Annuitant) 60 65 70 75 80 85 Female 3% 5% 3% 5% 3% 5% 3% 5% 3% 5% 3% 5% Age Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable 60 3.91 5.12 4.13 5.34 4.39 5.60 4.69 5.92 5.02 6.30 5.38 6.73 65 3.99 5.19 4.25 5.43 4.54 5.73 4.88 6.09 5.26 6.51 5.67 6.98 70 4.06 5.25 4.36 5.53 4.70 5.87 5.10 6.27 5.55 6.75 6.03 7.29 75 4.12 5.31 4.46 5.62 4.85 6.00 5.32 6.47 5.86 7.03 6.45 7.66 80 4.17 5.36 4.54 5.70 4.98 6.13 5.54 6.67 6.18 7.33 6.91 8.08 85 4.21 5.40 4.60 5.77 5.09 6.24 5.72 6.86 6.49 7.63 7.40 8.54 OPTION 3 — JOINT AND 66 2/3% SURVIVOR LIFE Primary Annuitant Male Age 60 [3.90 4.13 4.39 4.70 5.03 5.39 65 3.97 4.24 4.55 4.90 5.29 5.70 70 4.04 4.35 4.70 5.11 5.57 6.07 75 80 85 Female 3% 5% 3% 5% 3% 5% 3% 5% 3% 5% 3% 5% Age Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable 60 3.80 5.01 3.97 5.18 4.16 5.36 4.35 5.58 4.55 5.81 4.76 6.06 65 3.90 5.10 4.12 5.30 4.34 5.52 4.58 5.77 4.83 6.05 5.07 6.34 70 4.00 5.18 4.25 5.42 4.53 5.69 4.84 6.00 5.15 6.33 5.46 6.68 75 4.08 5.26 4.38 5.54 4.72 5.87 5.11 6.25 5.51 6.66 5.92 7.10 4.10 4.44 4.85 5.33 5.89 6.49 80 4.14 ~~5.33 4.48 5.64 4.89 6.03 5.37~~ 4.51 4.97 5.54 6.21 6.96 85 4.17 4.56 5.07 5.71 6.50 5.90 7.03 6.45 7.59 85 4.19 5.38 4.56 5.73 5.03 6.17 5.61 6.73 6.28 7.39 7.02 8.14 OPTION 3 — JOINT AND 100% SURVIVOR LIFE Primary Annuitant Male Age 60 65 70 75 80 85 Female 3% 5% 3% 5% 3% 5% 3% 5% 3% 5% 3% 5% Age Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable 60 3.60 4.80 3.69 4.88 3.76 4.94 3.81 5.00 3.84 5.04 3.87 5.06 65 3.75 4.93 3.88 5.04 3.99 5.15 4.07 5.23 4.14 5.30 4.18 5.35 70 3.88 5.05 4.06 5.21 4.24 5.37 4.38 5.52 4.50 5.63 4.58 5.72 75 3.99 5.16 4.23 5.38 4.49 5.61 4.72 5.83 4.93 6.03 5.08 6.19 80 4.08 5.25 4.38 5.52 4.72 5.83 5.07 6.17 5.40 6.49 5.68 6.77 85 4.15 5.33 4.50 5.65 4.91 6.03 5.39 6.49 5.89 6.97 6.37 7.44 Primary Annuitant 7.44] Unisex Age (Primary Annuitant) 60 65 70 75 80 85 Unisex ~~3% 5% 3% 5% 3% 5% 3% 5% 3% 5% 3% 5%~~ Age ~~Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable~~ 60 [3.84 ~~5.05~~ 4.07 ~~5.27~~ 4.34 ~~5.54~~ 4.65 ~~5.86 5.00 6.24 5.39 6.69~~ 5.01 5.40 65 3.90 ~~5.10~~ 4.17 ~~5.35 4.47 5.65 4.83 6.01 5.23~~ 4.48 4.84 5.25 5.70 70 3.95 4.25 4.61 5.03 5.51 6.05 75 3.99 4.32 4.72 5.21 5.79 6.44 ~~5.68 6.94 70 3.96 5.15 4.25 5.43 4.60 5.76 5.02 6.17 5.49 6.66 6.03 7.24 75 4.00 5.19 4.32 5.49 4.72 5.87 5.20 6.34 5.76 6.91 6.41 7.58~~ 80 ~~4.03 5.23~~ 4.02 4.38 ~~5.55 4.81 5.96 5.36 6.49 6.02 7.15 6.81 7.96~~ 4.82 5.37 6.05 6.86 85 4.05 ~~5.25 4.42 5.59 4.88 6.04 5.49 6.62 6.25 7.38 7.20 8.33 29~~ 4.41 4.89 5.50 6.29 7.25] OPTION 4 — – PERIOD CERTAIN ONLY ~~Monthly~~ Years Income ~~3% 5% Years Fixed Variable~~ 5 [17.91 ~~18.74~~ 6 15.14 ~~15.99~~ 7 13.16 ~~14.02~~ 8 11.68 ~~12.56~~ 9 10.53 ~~11.42~~ 10 9.61 ~~10.51~~ 11 8.86 ~~9.77~~ 12 8.24 ~~9.16~~ 13 7.71 ~~8.64~~ 14 7.26 ~~8.20~~ 15 6.87 ~~7.82~~ 16 6.53 ~~7.49~~ 17 6.23 ~~7.20~~ 18 5.96 ~~6.94~~ 19 5.73 ~~6.71~~ 20 5.51 ~~6.51~~ 21 5.32 ~~6.33~~ 22 5.15 ~~6.17~~ 23 4.99 ~~6.02~~ 24 4.84 ~~5.88~~ 25 4.71 ~~5.76~~ 26 4.59 ~~5.65~~ 27 4.47 ~~5.54~~ 28 4.37 ~~5.45~~ 29 4.27 ~~5.36~~ 30 ~~4.18 5.28 A Stock Company~~ 4.18] ICC09:10-1169 Pacific Life Insurance Company • ~~700~~ 000 Xxxxxxx Xxxxxx Xxxxx • Newport Beach, CA 92660 INDIVIDUAL FLEXIBLE PREMIUM DEFERRED VARIABLE ANNUITY CONTRACT Investment Experience Reflected in Benefits Variable Accumulation Before Annuity Date Annuities Payable in Variable and Fixed Dollar Amounts Death Benefit Proceeds Payable Before Annuity Date Non-Participating92660

Appears in 1 contract

Samples: Separate Account a of Pacific Life Insurance Co

Basis of Computations. The actuarial basis for the fixed Annuity Option Tables is the ~~1983a~~ Annuity 2000 Mortality Table with the ages set back ten (10) years with ~~interest at~~ an annual interest rate of 31.00%. The rates for variable annuity payments are based on an assumed investment return of 54.0% per year and the ~~1983a~~ Annuity 2000 Mortality Table with the ages set back ten (10) years. Rates Not Shown – Any rates and/or ages not shown in the tables contained in this Contract will be provided by the Company upon request. Annuity benefits will not be less than those that would have been provided by the application of an amount to purchase any single premium immediate annuity offered by us at the time annuity payments commence to the same class of annuitants. 10-2252 ANNUITY TABLES OPTIONS 1 AND 2 - LIFE ONLY OR LIFE WITH GUARANTEED PERIOD CERTAIN OF 10 AND 20 YEARS Fixed Annuity Rates Male at 31.00% Female at 31.00% Unisex at 31.00% Life with Life with Life with Guaranteed Period Guaranteed Period Guaranteed Period Life ~~Period~~ Certain Life ~~Period~~ Certain Life ~~Period~~ Certain Age Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. 30 ~~3.04 3.03 3.03 2.93 2.93 2.93~~ 1.82 1.82 1.82 1.74 1.74 1.74 1.78 1.78 1.78 35 1.93 1.93 1.93 1.84 1.84 1.84 1.89 1.89 1.88 40 2.07 2.07 2.06 1.96 1.96 1.95 2.01 2.01 2.01 45 2.23 2.23 2.22 2.10 2.10 2.09 2.17 2.16 2.16 50 2.43 2.42 2.40 2.27 2.27 2.26 2.35 2.35 2.33 55 2.68 2.67 2.63 2.48 2.48 2.46 2.58 2.57 2.54 60 2.98 2.97 2.89 2.75 2.74 2.70 2.87 2.85 2.80 65 3.37 3.34 3.20 3.08 3.06 2.99 ~~2.98 2.98 35 3.14 3.14 3.13 3.02 3.02 3.01 3.08 3.08 3.07 40 3.28 3.27 3.26 3.13 3.12 3.12~~ 3.23 3.20 ~~3.20 3.19 45 3.44 3.44 3.41 3.26 3.26 3.24 3.35 3.35 3.33 50 3.66 3.64 3.60 3.42 3.42 3.40 3.54 3.54 3.50 55 3.93 3.90 3.82 3.63 3.63 3.59 3.78 3.77 3.71 60 4.27 4.22 4.08 3.90~~ 3.10 70 3.89 3.82 3.55 3.52 3.49 3.34 3.70 3.65 3.45 75 4.58 4.43 3.90 4.11 4.03 3.72 4.34 4.23 3.82 80 5.54 5.20 4.21 4.93 4.75 4.09 ~~4.06 3.96 65 4.70 4.62 4.39 4.25 4.22 4.11 4.48~~ 5.23 4.98 4.16 85 6.87 6.08 4.43 ~~4.25 70 5.28 5.14 4.71 4.72 4.66 4.44 5.00 4.90~~ 6.12 5.66 4.37 6.49 5.87 4.40 90 8.72 6.99 4.54 7.88 6.70 4.52 8.29 6.85 4.53 95 11.30 7.77 4.58 75 6.10 5.81 5.02 5.35 5.22 4.79 5.73 5.52 4.92 80 7.23 6.61 5.27 6.25 5.96 5.12 6.74 6.30 5.20 85 8.82 7.49 5.42 7.56 6.89 5.35 8.18 7.20 5.39 90 11.06 8.33 5.49 9.53 7.89 5.47 10.28 8.12 5.48 95 14.16 8.97 5.51 12.48 8.74 5.50 13.30 8.86 5.51 10.50 7.63 4.58 10.89 7.70 4.58 Variable Annuity Rates Male at 54.00% Female at 54.00% Unisex at 54.00% Life with Life with Life with Guaranteed Period Guaranteed Period Guaranteed Period Life ~~Period~~ Certain Life ~~Period~~ Certain Life ~~Period~~ Certain Age Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. 30 3.65 3.64 3.64 3.58 3.58 3.57 3.61 3.61 3.60 35 3.73 3.73 3.72 3.65 3.65 3.64 3.69 3.69 3.68 40 3.84 3.83 3.82 3.74 3.73 3.73 3.79 3.78 3.77 45 3.97 3.97 3.94 3.85 3.84 3.83 3.91 3.91 3.89 50 4.15 4.14 4.10 3.99 3.99 3.97 4.07 4.06 4.04 55 4.38 ~~4.37~~ 4.36 4.29 ~~4.29 4.29~~ 4.18 4.17 4.13 4.28 4.27 4.22 60 4.67 4.64 4.52 4.42 4.40 4.34 ~~4.33 4.33 35 4.46 4.46~~ 4.55 4.52 4.44 ~~4.36 4.35 4.35 4.41 4.41 4.40 40 4.57 4.56 4.54 4.44 4.44 4.42 4.51 4.50 4.49 45 4.71~~ 65 5.05 4.99 4.80 4.74 4.70 ~~4.67 4.55 4.54 4.52 4.63 4.62~~ 4.60 ~~50 4.91 4.89 4.82 4.69 4.68 4.65 4.80 4.78 4.74 55~~ 4.90 4.85 4.70 70 5.56 5.44 5.10 5.16 ~~5.12 5.02 4.87 4.86 4.81 5.02 4.99 4.92 60 5.48~~ 5.10 4.90 5.36 5.28 5.00 75 6.27 6.04 5.41 5.75 5.63 5.24 ~~5.12 5.09 5.01 5.30 5.26 5.13 65 5.89 5.79 5.51 5.44 5.40 5.26~~ 6.01 5.83 5.33 80 7.25 6.77 5.67 ~~5.60 5.39 70 6.46 6.28 5.80 5.89 5.80 5.55 6.18 6.05 5.68 75 7.27~~ 6.57 6.32 5.57 6.91 ~~6.08 6.51 6.34 5.87 6.89 6.64 5.98 80 8.41 7.68 6.29 7.39 7.05 6.16 7.90 7.38 6.23~~ 6.54 5.62 85 ~~10.02 8.52 6.43 8.72 7.93 6.37 9.36 8.24 6.40~~ 8.61 7.60 5.86 7.79 7.19 5.81 8.20 7.40 5.83 90 ~~12.29 9.30 6.49 10.71 8.88 6.47 11.49 9.10 6.48~~ 10.52 8.44 5.96 9.60 8.16 5.94 10.05 8.30 5.95 95 ~~15.42 9.90 6.51 13.70 9.68 6.50 14.55 9.80 6.51~~ 13.16 9.16 5.99 12.30 9.03 5.99 12.73 9.09 5.99 10-2252 28 OPTION 3 — JOINT AND 50% SURVIVOR LIFE Primary Annuitant Male Age 60 65 70 75 80 85 ~~Female 3~~1.00% 54.00% 31.00% 54.00% 31.00% 54.00% 31.00% 54.00% 31.00% 54.00% 31.00% 54.00% ~~Age~~ Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Female Age 60 ~~3.91 5.12 4.13 5.34 4.39 5.60 4.69 5.92 5.02 6.30 5.38 6.73~~ 2.70 4.38 2.91 4.58 3.13 4.82 3.37 5.11 3.63 5.44 3.90 5.80 65 2.78 4.44 3.02 4.67 3.28 4.94 3.57 5.27 3.88 5.63 4.20 6.04 70 2.84 4.50 3.12 4.76 3.43 5.07 3.78 5.44 4.16 5.86 4.56 6.33 75 2.89 4.55 3.20 4.84 3.57 5.19 3.99 ~~5.19 4.25 5.43 4.54 5.73 4.88 6.09 5.26 6.51 5.67 6.98 70 4.06 5.25 4.36 5.53 4.70 5.87 5.10 6.27 5.55 6.75 6.03 7.29 75 4.12 5.31~~ 5.62 4.46 ~~5.62 4.85 6.00 5.32 6.47 5.86 7.03 6.45 7.66~~ 6.12 4.95 6.67 80 2.93 4.59 3.27 4.91 3.68 5.30 4.17 ~~5.36 4.54 5.70 4.98 6.13 5.54 6.67 6.18 7.33 6.91 8.08~~ 5.79 4.74 6.38 5.37 7.05 85 ~~4.21 5.40 4.60 5.77 5.09 6.24 5.72 6.86 6.49 7.63 7.40 8.54 OPTION 3 — JOINT AND 66 2/3% SURVIVOR LIFE~~ 2.95 4.62 3.31 4.96 3.76 5.39 4.32 5.94 5.00 6.63 5.79 7.44 Primary Annuitant ~~Male~~ Unisex Age 60 65 70 75 80 85 ~~Female 3~~1.00% 54.00% 31.00% 54.00% 31.00% 54.00% 31.00% 54.00% 31.00% 54.00% 31.00% 54.00% ~~Age~~ Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Unisex Age 60 ~~3.80 5.01 3.97~~ 2.66 4.33 2.87 4.53 3.11 4.78 3.36 5.06 3.64 5.40 3.93 5.79 65 2.72 4.38 2.97 4.61 3.24 4.89 3.55 5.21 3.88 5.59 4.23 6.03 70 2.77 4.42 3.05 4.68 3.37 4.99 3.73 5.37 4.14 5.81 4.57 6.31 75 2.80 4.46 3.11 4.75 3.47 5.09 3.90 5.52 4.40 6.03 4.94 6.63 80 2.83 4.49 3.15 4.79 3.56 5.18 4.05 5.66 4.64 6.25 5.32 6.96 85 2.84 4.51 3.18 4.83 3.61 5.24 4.16 ~~5.36 4.35 5.58 4.55 5.81 4.76 6.06 65 3.90 5.10 4.12 5.30 4.34 5.52 4.58 5.77 4.83 6.05 5.07 6.34 70 4.00 5.18 4.25 5.42 4.53 5.69~~ 5.78 4.84 ~~6.00 5.15 6.33 5.46 6.68 75 4.08 5.26 4.38 5.54 4.72 5.87 5.11 6.25 5.51 6.66 5.92 7.10 80 4.14 5.33 4.48 5.64 4.89 6.03 5.37 6.50 5.90 7.03~~ 6.45 ~~7.59 85 4.19 5.38 4.56 5.73 5.03 6.17 5.61 6.73 6.28 7.39 7.02 8.14 OPTION 3 — JOINT AND 100~~5.66 7.29 Joint and 66 2/3% ~~SURVIVOR LIFE~~ Survivor Life Primary Annuitant Male Age 60 65 70 75 80 85 ~~Female 3~~1.00% 54.00% 31.00% 54.00% 31.00% 54.00% 31.00% 54.00% 31.00% 54.00% 31.00% 54.00% ~~Age~~ Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Female Age 60 ~~3.60 4.80 3.69 4.88 3.76 4.94 3.81~~ 2.62 4.29 2.78 4.44 2.94 4.62 3.10 4.81 3.26 5.02 3.40 5.23 65 2.72 4.37 2.92 4.56 3.12 4.77 3.33 5.00 3.53 5.24 3.72 5.50 70 2.80 4.45 3.04 4.67 3.31 4.93 3.58 5.21 3.84 ~~5.04 3.87 5.06 65 3.75~~ 5.51 4.10 5.82 75 2.86 4.51 3.15 4.77 3.47 5.08 3.82 5.43 4.18 5.81 4.53 6.20 80 2.91 4.56 3.23 4.86 3.61 5.22 4.05 5.65 4.53 6.13 5.01 6.65 85 2.94 4.60 3.29 4.93 ~~3.88 5.04 3.99 5.15 4.07 5.23 4.14 5.30 4.18 5.35 70 3.88 5.05 4.06 5.21~~ 3.72 5.34 4.24 5.37 4.38 5.52 4.50 5.63 4.58 5.72 75 3.99 5.16 4.23 5.38 4.49 5.61 4.72 5.83 4.93 6.03 5.08 6.19 80 4.08 5.25 4.38 5.52 4.72 5.83 5.07 6.17 5.40 6.49 5.68 6.77 85 4.15 5.33 4.50 5.65 4.91 6.03 5.39 6.49 5.89 6.97 6.37 7.44 5.84 4.85 6.45 5.50 7.12 10-2252 29 Joint and 100% Survivor Life Primary Annuitant ~~Unisex~~ Male Age 60 65 70 75 80 85 ~~Unisex 3~~1.00% 54.00% 31.00% 54.00% 31.00% 54.00% 31.00% 54.00% 31.00% 54.00% 31.00% 54.00% ~~Age~~ Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Female Age 60 ~~3.84 5.05 4.07 5.27~~ 2.47 4.11 2.55 4.19 2.62 4.26 2.67 4.31 2.70 4.35 2.72 4.37 65 2.60 4.23 2.73 4.35 2.85 4.45 2.93 4.54 2.99 4.61 3.03 4.65 70 2.71 4.34 ~~5.54~~ 2.90 4.50 3.08 4.66 3.22 4.80 3.33 4.92 3.41 5.01 75 2.81 4.43 3.05 4.65 ~~5.86 5.00 6.24 5.39 6.69 65 3.90 5.10 4.17 5.35 4.47~~ 3.30 4.87 3.53 5.09 3.73 5.29 3.87 5.44 80 2.87 4.51 3.16 4.77 3.49 5.07 3.83 5.38 4.15 5.69 4.41 5.96 85 2.92 4.57 3.25 4.87 3.64 5.23 4.09 5.65 4.83 6.01 5.23 6.44 5.68 6.94 70 3.96 5.15 4.25 5.43 4.60 5.76 5.02 6.17 5.49 6.66 6.03 7.24 75 4.00 5.19 4.32 5.49 4.72 5.87 5.20 6.34 5.76 6.91 6.41 7.58 80 4.03 5.23 4.38 5.55 4.81 5.96 5.36 6.49 6.02 7.15 6.81 7.96 85 4.05 5.25 4.42 5.59 4.88 6.04 5.49 6.62 6.25 7.38 7.20 8.33 29 4.56 6.11 5.01 6.55 OPTION 4 — PERIOD CERTAIN ONLY Monthly Income 3Years 1.00% 5Fixed 4.00% ~~Years Fixed~~ Variable ~~5 17.91 18.74 6 15.14 15.99 7 13.16 14.02 8 11.68 12.56 9 10.53 11.42~~ 10 ~~9.61 10.51~~ 8.75 10.06 11 ~~8.86 9.77~~ 7.99 9.31 12 ~~8.24 9.16~~ 7.36 8.69 13 ~~7.71 8.64~~ 6.83 8.17 14 ~~7.26 8.20~~ 6.37 7.72 15 ~~6.87 7.82~~ 5.98 7.34 16 ~~6.53 7.49~~ 5.63 7.00 17 ~~6.23 7.20~~ 5.33 6.71 18 ~~5.96 6.94~~ 5.05 6.44 19 ~~5.73 6.71~~ 4.81 6.21 20 ~~5.51 6.51~~ 4.59 6.00 21 ~~5.32 6.33~~ 4.40 5.81 22 ~~5.15 6.17~~ 4.22 5.64 23 ~~4.99 6.02~~ 4.05 5.49 24 ~~4.84 5.88~~ 3.90 5.35 25 ~~4.71 5.76~~ 3.76 5.22 26 ~~4.59 5.65~~ 3.64 5.10 27 ~~4.47 5.54~~ 3.52 5.00 28 ~~4.37 5.45~~ 3.41 4.90 29 ~~4.27 5.36~~ 3.31 4.80 30 ~~4.18 5.28 A Stock Company~~ 3.21 4.72 10-2252 30 Pacific Life ~~Insurance~~ & Annuity Company • [700 ~~Xxxxxxx Xxxxxx Xxxxx~~ Newport Center Drive • Newport Beach, CA ~~92660~~ 92660] INDIVIDUAL FLEXIBLE PREMIUM DEFERRED VARIABLE ANNUITY CONTRACT Investment Experience Reflected in Benefits Variable Accumulation Before Annuity Date Withdrawal Charges Waived in Specific Instances Annuities Payable in Fixed and/or Variable ~~and Fixed~~ Dollar Amounts Death Benefit Proceeds Payable Before Annuity Date Non-Participating

Appears in 1 contract

Samples: Your Contract Carefully (Separate Account a of Pacific Life & Annuity Co)

Basis of Computations. The actuarial basis for the fixed Annuity Option Tables is the ~~1983a~~ 2012 Individual Annuity Mortality Period Life Table with the ages set back ten (10) years with ~~interest at~~ an annual interest rate of 31.00%. The rates for ~~variable annuity payments~~ Variable Annuity Payments are based on an assumed investment return of 54.00% per year and the ~~1983a~~ 2012 Individual Annuity Mortality Period Life Table with the ages set back ten (10) years. Rates Not Shown – Any rates and/or ages not shown in the tables contained in this Contract will be provided by the Company upon request. ~~OPTIONS 1 AND 2~~ Annuity benefits will not be less than those that would have been provided by the application of an amount to purchase any single premium immediate annuity offered by us at the time annuity payments commence to the same class of Annuitants. ANNUITY TABLES LIFE ONLY OR LIFE WITH GUARANTEED PERIOD CERTAIN OF 10 AND 20 YEARS ~~Fixed Annuity Rates~~ FIXED Male at 31% Female at 31% Unisex at 31% Life with Life with Life with Guaranteed Guaranteed Guaranteed Life Period Certain Life Period Certain Life Period Certain Age Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. 30 ~~3.04 3.03 3.03 2.93 2.93 2.93 2.99~~ 1.77 1.77 1.77 1.71 1.71 1.71 1.74 1.74 1.74 35 1.87 1.87 1.87 1.81 1.81 1.81 1.84 1.84 1.84 40 2.00 1.99 1.99 1.92 1.92 1.92 1.96 1.96 1.95 45 2.14 2.14 2.13 2.06 2.05 2.05 2.10 2.10 2.09 50 2.32 2.32 2.30 2.22 2.22 2.21 2.27 2.27 2.26 55 2.54 2.54 2.51 2.42 2.41 2.40 2.48 2.48 2.46 60 2.82 2.81 2.76 2.67 2.66 2.63 2.74 2.74 2.70 65 3.17 3.15 3.05 2.98 2.97 2.91 3.08 3.06 2.98 ~~35 3.14 3.14 3.13 3.02 3.02 3.01 3.08 3.08 3.07 40 3.28 3.27 3.26 3.13 3.12 3.12 3.20 3.20 3.19 45 3.44 3.44 3.41 3.26 3.26~~ 70 3.62 3.58 3.40 3.39 3.36 3.24 ~~3.35 3.35 3.33 50 3.66 3.64 3.60 3.42 3.42 3.40 3.54 3.54 3.50 55~~ 3.51 3.47 3.32 75 4.23 4.13 3.78 3.93 ~~3.90 3.82 3.63 3.63 3.59 3.78 3.77 3.71 60 4.27 4.22~~ 3.87 3.62 4.08 ~~3.90 3.89 3.82~~ 4.00 3.70 80 5.07 4.87 4.15 4.66 4.53 4.01 4.87 4.70 4.09 ~~4.06 3.96 65 4.70 4.62 4.39 4.25 4.22 4.11 4.48 4.43 4.25 70 5.28 5.14 4.71 4.72 4.66 4.44 5.00 4.90~~ 85 6.31 5.81 4.42 5.73 5.40 4.33 6.02 5.61 4.38 90 8.20 6.89 4.55 7.35 6.45 4.51 7.78 6.68 4.54 95 11.14 7.86 4.59 9.85 7.50 4.58 75 6.10 5.81 5.02 5.35 5.22 4.79 5.73 5.52 4.92 80 7.23 6.61 5.27 6.25 5.96 5.12 6.74 6.30 5.20 85 8.82 7.49 5.42 7.56 6.89 5.35 8.18 7.20 5.39 90 11.06 8.33 5.49 9.53 7.89 5.47 10.28 8.12 5.48 95 14.16 8.97 5.51 12.48 8.74 5.50 13.30 8.86 5.51 Variable Annuity Rates 10.49 7.69 4.58 100 15.74 8.45 4.59 13.53 8.25 4.59 14.62 8.36 4.59 VARIABLE Male at 54% Female at 54% Unisex at 54% Life with Life with Life with Guaranteed Guaranteed Guaranteed Life Period Certain Life Period Certain Life Period Certain Age Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. 30 ~~4.38 4.37 4.36 4.29 4.29 4.29~~ 3.61 3.61 3.60 3.56 3.56 3.55 3.58 3.58 3.58 35 3.68 3.68 3.67 3.62 3.62 3.62 3.65 3.65 3.64 40 3.78 3.77 3.76 3.71 3.70 3.70 3.74 3.74 3.73 45 3.89 3.89 3.87 3.81 3.81 3.80 3.85 3.85 3.84 50 4.04 4.04 4.01 3.95 3.94 3.93 4.00 3.99 3.97 55 4.24 4.23 4.18 4.12 4.11 4.08 4.18 4.17 4.13 60 4.50 4.47 4.39 4.34 4.33 ~~4.33 35 4.46 4.46 4.44 4.36 4.35 4.35 4.41 4.41~~ 4.28 4.42 4.40 ~~40 4.57 4.56 4.54 4.44 4.44 4.42 4.51 4.50 4.49 45 4.71~~ 4.34 65 4.83 4.79 4.65 4.64 4.61 4.52 4.74 4.70 ~~4.67 4.55 4.54 4.52 4.63 4.62 4.60 50 4.91~~ 4.59 70 5.27 5.19 4.95 5.04 4.98 4.81 5.16 5.09 4.89 4.82 4.69 4.68 4.65 4.80 4.78 4.74 55 5.16 5.12 5.02 4.87 4.86 4.81 5.02 4.99 4.92 60 5.48 5.41 5.24 5.12 5.09 5.01 5.30 5.26 5.13 65 5.89 5.79 5.51 5.44 5.40 5.26 5.67 5.60 5.39 70 6.46 6.28 5.80 5.89 5.80 5.55 6.18 6.05 5.68 75 ~~7.27 6.91 6.08 6.51 6.34~~ 5.87 ~~6.89 6.64 5.98~~ 5.72 5.29 5.56 5.46 5.15 5.72 5.59 5.22 80 ~~8.41 7.68~~ 6.71 6.42 5.62 6.29 ~~7.39 7.05 6.16 7.90 7.38 6.23~~ 6.09 5.49 6.50 6.26 5.56 85 ~~10.02 8.52 6.43 8.72~~ 7.97 7.31 5.85 7.37 6.93 5.77 7.67 7.13 5.81 90 9.90 8.33 5.96 9.03 7.93 ~~6.37 9.36 8.24 6.40 90 12.29 9.30 6.49 10.71 8.88 6.47 11.49 9.10 6.48~~ 5.93 9.47 8.14 5.95 95 ~~15.42 9.90 6.51 13.70 9.68 6.50 14.55 9.80 6.51 28 OPTION 3 —~~ 12.91 9.23 6.00 11.60 8.90 5.99 12.26 9.08 5.99 100 17.61 9.77 6.00 15.35 9.59 6.00 16.47 9.69 6.00 JOINT AND 50% SURVIVOR LIFE Primary Annuitant Male Age 60 65 70 75 80 85 ~~Female 3~~1.00% 54.00% 31.00% 54.00% 31.00% 54.00% 31.00% 54.00% 31.00% 54.00% 31.00% 54.00% ~~Age~~ Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Female Age 60 2.59 4.26 2.79 4.45 2.99 4.67 3.21 4.92 3.46 5.22 3.73 5.59 65 2.66 4.32 2.88 4.53 3.13 4.78 3.40 5.06 3.69 5.40 4.00 5.80 70 2.71 4.37 2.97 4.60 3.26 4.89 3.58 5.21 3.93 5.60 4.33 6.06 75 2.75 4.40 3.04 4.67 3.38 4.99 3.76 5.36 4.19 5.81 4.68 6.36 80 2.78 4.43 3.09 4.72 3.46 5.07 3.91 ~~5.12 4.13 5.34 4.39 5.60 4.69 5.92 5.02 6.30 5.38 6.73 65 3.99 5.19 4.25~~ 5.51 4.44 6.04 5.06 6.68 85 2.79 4.46 3.12 4.76 3.53 5.14 4.03 5.63 4.66 6.24 5.43 ~~4.54 5.73 4.88 6.09 5.26 6.51 5.67 6.98 70 4.06 5.25 4.36 5.53 4.70 5.87 5.10 6.27 5.55 6.75 6.03 7.29 75 4.12 5.31 4.46 5.62 4.85 6.00 5.32 6.47 5.86~~ 7.03 ~~6.45 7.66 80 4.17 5.36 4.54 5.70 4.98 6.13 5.54 6.67 6.18 7.33 6.91 8.08 85 4.21 5.40 4.60 5.77 5.09 6.24 5.72 6.86 6.49 7.63 7.40 8.54 OPTION 3 — JOINT AND 66 2/3% SURVIVOR LIFE~~ Primary Annuitant ~~Male~~ Unisex Age 60 65 70 75 80 85 ~~Female 3~~1.00% 54.00% 31.00% 54.00% 31.00% 54.00% 31.00% 54.00% 31.00% 54.00% 31.00% 54.00% ~~Age~~ Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Unisex Age 60 ~~3.80~~ 2.56 4.23 2.76 4.42 2.98 4.64 3.21 4.90 3.46 5.20 3.74 5.56 65 2.62 4.28 2.85 4.49 3.10 4.74 3.38 5.03 3.68 5.37 4.01 5.78 70 2.66 4.32 2.92 4.56 3.22 4.84 3.55 5.17 3.92 5.56 4.32 6.03 75 2.69 4.35 2.98 4.61 3.32 4.93 3.71 5.31 4.15 5.76 4.66 6.31 80 2.71 4.37 3.02 4.65 3.39 5.00 3.84 5.43 4.37 5.96 5.01 3.97 5.18 4.16 5.36 4.35 5.58 4.55 5.81 4.76 6.06 65 3.90 5.10 4.12 5.30 4.34 5.52 4.58 5.77 4.83 6.05 5.07 6.34 70 4.00 5.18 4.25 5.42 4.53 5.69 4.84 6.00 5.15 6.33 5.46 6.68 75 4.08 5.26 4.38 5.54 4.72 5.87 5.11 6.25 5.51 6.66 5.92 7.10 80 4.14 6.61 85 2.73 4.39 3.04 4.68 3.44 5.06 3.93 5.53 4.56 6.14 5.33 ~~4.48 5.64 4.89 6.03 5.37 6.50 5.90 7.03 6.45 7.59 85 4.19 5.38 4.56 5.73 5.03 6.17 5.61 6.73 6.28 7.39 7.02 8.14 OPTION 3 — JOINT AND 100~~6.92 Joint and 66 2/3% ~~SURVIVOR LIFE~~ Survivor Life Primary Annuitant Male Age 60 65 70 75 80 85 ~~Female 3~~1.00% 54.00% 31.00% 54.00% 31.00% 54.00% 31.00% 54.00% 31.00% 54.00% 31.00% 54.00% ~~Age~~ Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Female Age 60 ~~3.60 4.80 3.69 4.88 3.76 4.94 3.81 5.00 3.84 5.04 3.87 5.06~~ 2.52 4.19 2.68 4.34 2.83 4.50 2.98 4.67 3.13 4.86 3.28 5.08 65 ~~3.75 4.93 3.88 5.04 3.99 5.15 4.07 5.23 4.14~~ 2.61 4.26 2.80 4.44 3.00 4.63 3.19 4.84 3.38 5.07 3.57 5.32 70 2.68 4.32 2.91 4.53 3.16 4.77 3.41 5.03 3.66 5.30 ~~4.18 5.35 70 3.88 5.05 4.06~~ 3.91 5.61 75 2.73 4.37 3.00 4.62 3.30 4.90 3.63 5.21 ~~4.24 5.37 4.38 5.52 4.50 5.63 4.58 5.72 75 3.99 5.16 4.23 5.38 4.49 5.61 4.72 5.83 4.93 6.03 5.08 6.19~~ 3.96 5.57 4.31 5.95 80 ~~4.08 5.25 4.38 5.52 4.72 5.83 5.07 6.17 5.40 6.49 5.68 6.77~~ 2.76 4.41 3.06 4.68 3.41 5.01 3.82 5.39 4.27 5.84 4.74 6.34 85 ~~4.15 5.33 4.50 5.65 4.91 6.03 5.39 6.49 5.89 6.97 6.37 7.44~~ 2.79 4.44 3.10 4.73 3.50 5.10 3.97 5.55 4.54 6.10 5.19 6.76 Joint and 100% Survivor Life Primary Annuitant ~~Unisex~~ Male Age 60 65 70 75 80 85 ~~Unisex 3~~1.00% 54.00% 31.00% 54.00% 31.00% 54.00% 31.00% 54.00% 31.00% 54.00% 31.00% 54.00% ~~Age~~ Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Female Age 60 ~~3.84 5.05 4.07 5.27 4.34 5.54 4.65 5.86 5.00 6.24 5.39 6.69~~ 2.40 4.17 2.48 4.32 2.55 4.49 2.59 4.67 2.62 4.87 2.64 5.10 65 ~~3.90 5.10 4.17 5.35 4.47 5.65 4.83 6.01 5.23 6.44 5.68 6.94~~ 2.51 4.23 2.65 4.42 2.76 4.62 2.84 4.84 2.90 5.07 2.93 5.34 70 ~~3.96 5.15 4.25 5.43 4.60 5.76~~ 2.61 4.28 2.80 4.50 2.97 4.74 3.11 5.01 3.22 5.30 3.29 5.62 75 2.68 4.33 2.92 4.57 3.16 4.86 3.38 5.18 3.58 5.55 3.72 5.96 80 2.73 4.36 3.01 4.62 3.32 4.95 3.64 5.34 3.95 5.80 4.22 6.32 85 2.77 4.38 3.07 4.67 3.44 5.02 ~~6.17 5.49 6.66~~ 3.85 5.47 4.31 6.03 7.24 75 4.00 5.19 4.32 5.49 4.72 5.87 5.20 6.34 5.76 6.91 6.41 7.58 80 4.03 5.23 4.38 5.55 4.81 5.96 5.36 6.49 6.02 7.15 6.81 7.96 85 4.05 5.25 4.42 5.59 4.88 6.04 5.49 6.62 6.25 7.38 7.20 8.33 29 OPTION 4 — 4.76 6.70 PERIOD CERTAIN ONLY Monthly Income 3Years 1.00% 5Fixed 4.00% ~~Years Fixed~~ Variable ~~5 17.91 18.74 6 15.14 15.99 7 13.16 14.02 8 11.68 12.56 9 10.53 11.42~~ 10 ~~9.61 10.51~~ 8.75 10.06 11 ~~8.86 9.77~~ 7.99 9.31 12 ~~8.24 9.16~~ 7.36 8.69 13 ~~7.71 8.64~~ 6.83 8.17 14 ~~7.26 8.20~~ 6.37 7.72 15 ~~6.87 7.82~~ 5.98 7.34 16 ~~6.53 7.49~~ 5.63 7.00 17 ~~6.23 7.20~~ 5.33 6.71 18 ~~5.96 6.94~~ 5.05 6.44 19 ~~5.73 6.71~~ 4.81 6.21 20 ~~5.51 6.51~~ 4.59 6.00 21 ~~5.32 6.33~~ 4.40 5.81 22 ~~5.15 6.17~~ 4.22 5.64 23 ~~4.99 6.02~~ 4.05 5.49 24 ~~4.84 5.88~~ 3.90 5.35 25 ~~4.71 5.76~~ 3.76 5.22 26 ~~4.59 5.65~~ 3.64 5.10 27 ~~4.47 5.54~~ 3.52 5.00 28 ~~4.37 5.45~~ 3.41 4.90 29 ~~4.27 5.36~~ 3.31 4.80 30 ~~4.18 5.28 A Stock Company~~ 3.21 4.72 20 Pacific Life ~~Insurance~~ & Annuity Company • · [700 Newport Center Drive · Xxxxxxx ~~Xxxxxx Xxxxx • Newport Beach~~Xxxxx, ~~CA 92660~~ XX 00000] INDIVIDUAL FLEXIBLE PREMIUM DEFERRED VARIABLE ANNUITY CONTRACT Investment Experience Reflected in Benefits Variable Accumulation Before Annuity Date Withdrawal Charges Waived in Specific Instances Annuities Payable in Fixed and/or Variable ~~and Fixed~~ Dollar Amounts Death Benefit Proceeds Payable Before Annuity Date Non-Participating

Appears in 1 contract

Samples: Read Your Contract (Separate Account a of Pacific Life & Annuity Co)

Appears in 1 contract

Samples: Separate Account a of Pacific Life Insurance Co

Appears in 1 contract

Samples: Separate Account a of Pacific Life Insurance Co

Appears in 1 contract

Samples: Separate Account a of Pacific Life Insurance Co

Basis of Computations. The actuarial basis for the fixed Annuity Option Tables is the 1983a Annuity Mortality Table with the ages set back ten (10) years with interest at an annual rate of 3%. The rates for variable annuity payments are based on an assumed investment return of 5% per year and the 1983a Annuity Mortality Table with the ages set back ten (10) years. Rates Not Shown – — Any rates and/or ages not shown in the tables contained in this Contract will be provided by the Company upon request. OPTIONS 1 AND 2 LIFE ONLY OR LIFE WITH GUARANTEED PERIOD CERTAIN OF 10 AND 20 YEARS Fixed Annuity Rates Male at 3% Female at 3% Unisex at 3% Life with Life with Life with Guaranteed Guaranteed Guaranteed Life Period Certain Life Period Certain Life Period Certain Age Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. 30 3.04 3.03 3.03 2.93 2.93 2.93 2.99 2.98 2.98 35 3.14 3.14 3.13 3.02 3.02 3.01 3.08 3.08 3.07 40 3.28 3.27 3.26 3.13 3.12 3.12 3.20 3.20 3.19 45 3.44 3.44 3.41 3.26 3.26 3.24 3.35 3.35 3.33 50 3.66 3.64 3.60 3.42 3.42 3.40 3.54 3.54 3.50 55 3.93 3.90 3.82 3.63 3.63 3.59 3.78 3.77 3.71 60 4.27 4.22 4.08 3.90 3.89 3.82 4.09 4.06 3.96 65 4.70 4.62 4.39 4.25 4.22 4.11 4.48 4.43 4.25 70 5.28 5.14 4.71 4.72 4.66 4.44 5.00 4.90 4.58 75 6.10 5.81 5.02 5.35 5.22 4.79 5.73 5.52 4.92 80 7.23 6.61 5.27 6.25 5.96 5.12 6.74 6.30 5.20 85 8.82 7.49 5.42 7.56 6.89 5.35 8.18 7.20 5.39 90 11.06 8.33 5.49 9.53 7.89 5.47 10.28 8.12 5.48 95 14.16 8.97 5.51 12.48 8.74 5.50 13.30 8.86 5.51 Variable Annuity Rates Male at 5% Female at 5% Unisex at 5% Life with Life with Life with Guaranteed Guaranteed Guaranteed Life Period Certain Life Period Certain Life Period Certain Age Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. 30 4.38 4.37 4.36 4.29 4.29 4.29 4.34 4.33 4.33 35 4.46 4.46 4.44 4.36 4.35 4.35 4.41 4.41 4.40 40 4.57 4.56 4.54 4.44 4.44 4.42 4.51 4.50 4.49 45 4.71 4.70 4.67 4.55 4.54 4.52 4.63 4.62 4.60 50 4.91 4.89 4.82 4.69 4.68 4.65 4.80 4.78 4.74 55 5.16 5.12 5.02 4.87 4.86 4.81 5.02 4.99 4.92 60 5.48 5.41 5.24 5.12 5.09 5.01 5.30 5.26 5.13 65 5.89 5.79 5.51 5.44 5.40 5.26 5.67 5.60 5.39 70 6.46 6.28 5.80 5.89 5.80 5.55 6.18 6.05 5.68 75 7.27 6.91 6.08 6.51 6.34 5.87 6.89 6.64 5.98 80 8.41 7.68 6.29 7.39 7.05 6.16 7.90 7.38 6.23 85 10.02 8.52 6.43 8.72 7.93 6.37 9.36 8.24 6.40 90 12.29 9.30 6.49 10.71 8.88 6.47 11.49 9.10 6.48 95 15.42 9.90 6.51 13.70 9.68 6.50 14.55 9.80 6.51 28 26 OPTION 3 — JOINT AND 50% SURVIVOR LIFE Primary Annuitant Male Age 60 65 70 75 80 85 ~~Female~~ 3% 5% 3% 5% 3% 5% 3% 5% 3% 5% 3% 5% ~~Age~~ Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Female Age 60 3.91 5.12 4.13 5.34 4.39 5.60 4.69 5.92 5.02 6.30 5.38 6.73 65 3.99 5.19 4.25 5.43 4.54 5.73 4.88 6.09 5.26 6.51 5.67 6.98 70 4.06 5.25 4.36 5.53 4.70 5.87 5.10 6.27 5.55 6.75 6.03 7.29 75 4.12 5.31 4.46 5.62 4.85 6.00 5.32 6.47 5.86 7.03 6.45 7.66 80 4.17 5.36 4.54 5.70 4.98 6.13 5.54 6.67 6.18 7.33 6.91 8.08 85 4.21 5.40 4.60 5.77 5.09 6.24 5.72 6.86 6.49 7.63 7.40 8.54 ~~OPTION 3 — JOINT AND 66 2/3% SURVIVOR LIFE~~ Primary Annuitant ~~Male~~ Unisex Age 60 65 70 75 80 85 ~~Female~~ 3% 5% 3% 5% 3% 5% 3% 5% 3% 5% 3% 5% ~~Age~~ Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Unisex Age 60 3.84 5.05 4.07 5.27 4.34 5.54 4.65 5.86 5.00 6.24 5.39 6.69 65 3.90 5.10 4.17 5.35 4.47 5.65 4.83 6.01 5.23 6.44 5.68 6.94 70 3.96 5.15 4.25 5.43 4.60 5.76 5.02 6.17 5.49 6.66 6.03 7.24 75 4.00 5.19 4.32 5.49 4.72 5.87 5.20 6.34 5.76 6.91 6.41 7.58 80 4.03 5.23 4.38 5.55 4.81 5.96 5.36 6.49 6.02 7.15 6.81 7.96 85 4.05 5.25 4.42 5.59 4.88 6.04 5.49 6.62 6.25 7.38 7.20 8.33 OPTION 3 — JOINT AND 66 2/3% SURVIVOR LIFE Primary Annuitant Male Age 60 65 70 75 80 85 3% 5% 3% 5% 3% 5% 3% 5% 3% 5% 3% 5% Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Female Age 60 3.80 5.01 3.97 5.18 4.16 5.36 4.35 5.58 4.55 5.81 4.76 6.06 65 3.90 5.10 4.12 5.30 4.34 5.52 4.58 5.77 4.83 6.05 5.07 6.34 70 4.00 5.18 4.25 5.42 4.53 5.69 4.84 6.00 5.15 6.33 5.46 6.68 75 4.08 5.26 4.38 5.54 4.72 5.87 5.11 6.25 5.51 6.66 5.92 7.10 80 4.14 5.33 4.48 5.64 4.89 6.03 5.37 6.50 5.90 7.03 6.45 7.59 85 4.19 5.38 4.56 5.73 5.03 6.17 5.61 6.73 6.28 7.39 7.02 8.14 OPTION 3 — JOINT AND 100% SURVIVOR LIFE Primary Annuitant Male Age 60 65 70 75 80 85 ~~Female~~ 3% 5% 3% 5% 3% 5% 3% 5% 3% 5% 3% 5% ~~Age~~ Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Female Age 60 3.60 4.80 3.69 4.88 3.76 4.94 3.81 5.00 3.84 5.04 3.87 5.06 65 3.75 4.93 3.88 5.04 3.99 5.15 4.07 5.23 4.14 5.30 4.18 5.35 70 3.88 5.05 4.06 5.21 4.24 5.37 4.38 5.52 4.50 5.63 4.58 5.72 75 3.99 5.16 4.23 5.38 4.49 5.61 4.72 5.83 4.93 6.03 5.08 6.19 80 4.08 5.25 4.38 5.52 4.72 5.83 5.07 6.17 5.40 6.49 5.68 6.77 85 4.15 5.33 4.50 5.65 4.91 6.03 5.39 6.49 5.89 6.97 6.37 7.44 Primary Annuitant Unisex Age 60 65 70 75 80 85 Unisex 3% 5% 3% 5% 3% 5% 3% 5% 3% 5% 3% 5% Age Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable 60 3.84 5.05 4.07 5.27 4.34 5.54 4.65 5.86 5.00 6.24 5.39 6.69 65 3.90 5.10 4.17 5.35 4.47 5.65 4.83 6.01 5.23 6.44 5.68 6.94 70 3.96 5.15 4.25 5.43 4.60 5.76 5.02 6.17 5.49 6.66 6.03 7.24 75 4.00 5.19 4.32 5.49 4.72 5.87 5.20 6.34 5.76 6.91 6.41 7.58 80 4.03 5.23 4.38 5.55 4.81 5.96 5.36 6.49 6.02 7.15 6.81 7.96 85 4.05 5.25 4.42 5.59 4.88 6.04 5.49 6.62 6.25 7.38 7.20 8.33 29 27 OPTION 4 — PERIOD CERTAIN ONLY Monthly Income 3% 5% Years Fixed Variable 5 ~~17.91~~ 17.90 18.74 6 ~~15.14 15.99~~ 15.13 15.98 7 13.16 14.02 8 11.68 12.56 9 10.53 11.42 10 9.61 10.51 11 8.86 9.77 12 8.24 9.16 13 7.71 8.64 14 7.26 8.20 15 6.87 7.82 16 6.53 7.49 17 6.23 7.20 18 5.96 6.94 19 5.73 6.71 20 5.51 6.51 21 5.32 6.33 22 5.15 6.17 23 4.99 6.02 24 4.84 5.88 25 4.71 5.76 26 4.59 5.65 27 4.47 5.54 28 4.37 5.45 29 4.27 5.36 30 4.18 5.28 ~~A Stock Company~~ 28 Pacific Life Insurance Company ~~• 700~~ l 000 Xxxxxxx Xxxxxx Xxxxx ~~• Newport Beach~~x Xxxxxxx Xxxxx, CA 92660 INDIVIDUAL FLEXIBLE PREMIUM DEFERRED VARIABLE ANNUITY CONTRACT Investment Experience Reflected in Benefits Variable Accumulation Before Annuity Date Annuities Payable in Variable and Fixed Dollar Amounts Death Benefit Proceeds Payable Before Annuity Date Non-ParticipatingXX 00000

Appears in 1 contract

Samples: Separate Account a of Pacific Life Insurance Co

Basis of Computations. The actuarial basis for the fixed Annuity Option Tables is the ~~1983a~~ 2012 Individual Annuity Mortality Period Life Table with the ages set back ten (10) years with ~~interest at~~ an annual interest rate of 31.00%. The rates for ~~variable annuity payments~~ Variable Annuity Payments are based on an assumed investment return of 54.00% per year and the ~~1983a~~ 2012 Individual Annuity Mortality Period Life Table with the ages set back ten (10) years. Rates Not Shown – Any rates and/or ages not shown in the tables contained in this Contract will be provided by the Company upon request. ~~OPTIONS 1 AND 2~~ Annuity benefits will not be less than those that would have been provided by the application of an amount to purchase any single premium immediate annuity offered by us at the time annuity payments commence to the same class of Annuitants. ANNUITY TABLES LIFE ONLY OR LIFE WITH GUARANTEED PERIOD CERTAIN OF 10 AND 20 YEARS ~~Fixed Annuity Rates~~ FIXED Male at 31% Female at 31% Unisex at 31% Life with Life with Life with Guaranteed Guaranteed Guaranteed Life Period Certain Life Period Certain Life Period Certain Age Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. 30 ~~3.04 3.03 3.03 2.93 2.93 2.93 2.99~~ 1.77 1.77 1.77 1.71 1.71 1.71 1.74 1.74 1.74 35 1.87 1.87 1.87 1.81 1.81 1.81 1.84 1.84 1.84 40 2.00 1.99 1.99 1.92 1.92 1.92 1.96 1.96 1.95 45 2.14 2.14 2.13 2.06 2.05 2.05 2.10 2.10 2.09 50 2.32 2.32 2.30 2.22 2.22 2.21 2.27 2.27 2.26 55 2.54 2.54 2.51 2.42 2.41 2.40 2.48 2.48 2.46 60 2.82 2.81 2.76 2.67 2.66 2.63 2.74 2.74 2.70 65 3.17 3.15 3.05 2.98 2.97 2.91 3.08 3.06 2.98 ~~35 3.14 3.14 3.13 3.02 3.02 3.01 3.08 3.08 3.07 40 3.28 3.27 3.26 3.13 3.12 3.12 3.20 3.20 3.19 45 3.44 3.44 3.41 3.26 3.26~~ 70 3.62 3.58 3.40 3.39 3.36 3.24 ~~3.35 3.35 3.33 50 3.66 3.64 3.60 3.42 3.42 3.40 3.54 3.54 3.50 55~~ 3.51 3.47 3.32 75 4.23 4.13 3.78 3.93 ~~3.90 3.82 3.63 3.63 3.59 3.78 3.77 3.71 60 4.27 4.22~~ 3.87 3.62 4.08 ~~3.90 3.89 3.82~~ 4.00 3.70 80 5.07 4.87 4.15 4.66 4.53 4.01 4.87 4.70 4.09 ~~4.06 3.96 65 4.70 4.62 4.39 4.25 4.22 4.11 4.48 4.43 4.25 70 5.28 5.14 4.71 4.72 4.66 4.44 5.00 4.90~~ 85 6.31 5.81 4.42 5.73 5.40 4.33 6.02 5.61 4.38 90 8.20 6.89 4.55 7.35 6.45 4.51 7.78 6.68 4.54 95 11.14 7.86 4.59 9.85 7.50 4.58 75 6.10 5.81 5.02 5.35 5.22 4.79 5.73 5.52 4.92 80 7.23 6.61 5.27 6.25 5.96 5.12 6.74 6.30 5.20 85 8.82 7.49 5.42 7.56 6.89 5.35 8.18 7.20 5.39 90 11.06 8.33 5.49 9.53 7.89 5.47 10.28 8.12 5.48 95 14.16 8.97 5.51 12.48 8.74 5.50 13.30 8.86 5.51 Variable Annuity Rates 10.49 7.69 4.58 100 15.74 8.45 4.59 13.53 8.25 4.59 14.62 8.36 4.59 VARIABLE Male at 54% Female at 54% Unisex at 54% Life with Life with Life with Guaranteed Guaranteed Guaranteed Life Period Certain Life Period Certain Life Period Certain Age Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. 30 ~~4.38 4.37 4.36 4.29 4.29 4.29~~ 3.61 3.61 3.60 3.56 3.56 3.55 3.58 3.58 3.58 35 3.68 3.68 3.67 3.62 3.62 3.62 3.65 3.65 3.64 40 3.78 3.77 3.76 3.71 3.70 3.70 3.74 3.74 3.73 45 3.89 3.89 3.87 3.81 3.81 3.80 3.85 3.85 3.84 50 4.04 4.04 4.01 3.95 3.94 3.93 4.00 3.99 3.97 55 4.24 4.23 4.18 4.12 4.11 4.08 4.18 4.17 4.13 60 4.50 4.47 4.39 4.34 4.33 ~~4.33 35 4.46 4.46 4.44 4.36 4.35 4.35 4.41 4.41~~ 4.28 4.42 4.40 ~~40 4.57 4.56 4.54 4.44 4.44 4.42 4.51 4.50 4.49 45 4.71~~ 4.34 65 4.83 4.79 4.65 4.64 4.61 4.52 4.74 4.70 ~~4.67 4.55 4.54 4.52 4.63 4.62 4.60 50 4.91~~ 4.59 70 5.27 5.19 4.95 5.04 4.98 4.81 5.16 5.09 4.89 4.82 4.69 4.68 4.65 4.80 4.78 4.74 55 5.16 5.12 5.02 4.87 4.86 4.81 5.02 4.99 4.92 60 5.48 5.41 5.24 5.12 5.09 5.01 5.30 5.26 5.13 65 5.89 5.79 5.51 5.44 5.40 5.26 5.67 5.60 5.39 70 6.46 6.28 5.80 5.89 5.80 5.55 6.18 6.05 5.68 75 ~~7.27 6.91 6.08 6.51 6.34~~ 5.87 ~~6.89 6.64 5.98~~ 5.72 5.29 5.56 5.46 5.15 5.72 5.59 5.22 80 ~~8.41 7.68~~ 6.71 6.42 5.62 6.29 ~~7.39 7.05 6.16 7.90 7.38 6.23~~ 6.09 5.49 6.50 6.26 5.56 85 ~~10.02 8.52 6.43 8.72~~ 7.97 7.31 5.85 7.37 6.93 5.77 7.67 7.13 5.81 90 9.90 8.33 5.96 9.03 7.93 ~~6.37 9.36 8.24 6.40 90 12.29 9.30 6.49 10.71 8.88 6.47 11.49 9.10 6.48~~ 5.93 9.47 8.14 5.95 95 ~~15.42 9.90 6.51 13.70 9.68 6.50 14.55 9.80 6.51 28 OPTION 3 —~~ 12.91 9.23 6.00 11.60 8.90 5.99 12.26 9.08 5.99 100 17.61 9.77 6.00 15.35 9.59 6.00 16.47 9.69 6.00 10-2040 18 JOINT AND 50% SURVIVOR LIFE Primary Annuitant Male Age 60 65 70 75 80 85 ~~Female 3~~1.00% 54.00% 31.00% 54.00% 31.00% 54.00% 31.00% 54.00% 31.00% 54.00% 31.00% 54.00% ~~Age~~ Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Female Age 60 2.59 4.26 2.79 4.45 2.99 4.67 3.21 4.92 3.46 5.22 3.73 5.59 65 2.66 4.32 2.88 4.53 3.13 4.78 3.40 5.06 3.69 5.40 4.00 5.80 70 2.71 4.37 2.97 4.60 3.26 4.89 3.58 5.21 3.93 5.60 4.33 6.06 75 2.75 4.40 3.04 4.67 3.38 4.99 3.76 5.36 4.19 5.81 4.68 6.36 80 2.78 4.43 3.09 4.72 3.46 5.07 3.91 ~~5.12 4.13 5.34 4.39 5.60 4.69 5.92 5.02 6.30 5.38 6.73 65 3.99 5.19 4.25~~ 5.51 4.44 6.04 5.06 6.68 85 2.79 4.46 3.12 4.76 3.53 5.14 4.03 5.63 4.66 6.24 5.43 ~~4.54 5.73 4.88 6.09 5.26 6.51 5.67 6.98 70 4.06 5.25 4.36 5.53 4.70 5.87 5.10 6.27 5.55 6.75 6.03 7.29 75 4.12 5.31 4.46 5.62 4.85 6.00 5.32 6.47 5.86~~ 7.03 ~~6.45 7.66 80 4.17 5.36 4.54 5.70 4.98 6.13 5.54 6.67 6.18 7.33 6.91 8.08 85 4.21 5.40 4.60 5.77 5.09 6.24 5.72 6.86 6.49 7.63 7.40 8.54 OPTION 3 — JOINT AND 66 2/3% SURVIVOR LIFE~~ Primary Annuitant ~~Male~~ Unisex Age 60 65 70 75 80 85 ~~Female 3~~1.00% 54.00% 31.00% 54.00% 31.00% 54.00% 31.00% 54.00% 31.00% 54.00% 31.00% 54.00% ~~Age~~ Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Unisex Age 60 ~~3.80~~ 2.56 4.23 2.76 4.42 2.98 4.64 3.21 4.90 3.46 5.20 3.74 5.56 65 2.62 4.28 2.85 4.49 3.10 4.74 3.38 5.03 3.68 5.37 4.01 5.78 70 2.66 4.32 2.92 4.56 3.22 4.84 3.55 5.17 3.92 5.56 4.32 6.03 75 2.69 4.35 2.98 4.61 3.32 4.93 3.71 5.31 4.15 5.76 4.66 6.31 80 2.71 4.37 3.02 4.65 3.39 5.00 3.84 5.43 4.37 5.96 5.01 3.97 5.18 4.16 5.36 4.35 5.58 4.55 5.81 4.76 6.06 65 3.90 5.10 4.12 5.30 4.34 5.52 4.58 5.77 4.83 6.05 5.07 6.34 70 4.00 5.18 4.25 5.42 4.53 5.69 4.84 6.00 5.15 6.33 5.46 6.68 75 4.08 5.26 4.38 5.54 4.72 5.87 5.11 6.25 5.51 6.66 5.92 7.10 80 4.14 6.61 85 2.73 4.39 3.04 4.68 3.44 5.06 3.93 5.53 4.56 6.14 5.33 ~~4.48 5.64 4.89 6.03 5.37 6.50 5.90 7.03 6.45 7.59 85 4.19 5.38 4.56 5.73 5.03 6.17 5.61 6.73 6.28 7.39 7.02 8.14 OPTION 3 — JOINT AND 100~~6.92 Joint and 66 2/3% ~~SURVIVOR LIFE~~ Survivor Life Primary Annuitant Male Age 60 65 70 75 80 85 ~~Female 3~~1.00% 54.00% 31.00% 54.00% 31.00% 54.00% 31.00% 54.00% 31.00% 54.00% 31.00% 54.00% ~~Age~~ Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Female Age 60 ~~3.60 4.80 3.69 4.88 3.76 4.94 3.81 5.00 3.84 5.04 3.87 5.06~~ 2.52 4.19 2.68 4.34 2.83 4.50 2.98 4.67 3.13 4.86 3.28 5.08 65 ~~3.75 4.93 3.88 5.04 3.99 5.15 4.07 5.23 4.14~~ 2.61 4.26 2.80 4.44 3.00 4.63 3.19 4.84 3.38 5.07 3.57 5.32 70 2.68 4.32 2.91 4.53 3.16 4.77 3.41 5.03 3.66 5.30 ~~4.18 5.35 70 3.88 5.05 4.06~~ 3.91 5.61 75 2.73 4.37 3.00 4.62 3.30 4.90 3.63 5.21 ~~4.24 5.37 4.38 5.52 4.50 5.63 4.58 5.72 75 3.99 5.16 4.23 5.38 4.49 5.61 4.72 5.83 4.93 6.03 5.08 6.19~~ 3.96 5.57 4.31 5.95 80 ~~4.08 5.25 4.38 5.52 4.72 5.83 5.07 6.17 5.40 6.49 5.68 6.77~~ 2.76 4.41 3.06 4.68 3.41 5.01 3.82 5.39 4.27 5.84 4.74 6.34 85 ~~4.15 5.33 4.50 5.65 4.91 6.03 5.39 6.49 5.89 6.97 6.37 7.44~~ 2.79 4.44 3.10 4.73 3.50 5.10 3.97 5.55 4.54 6.10 5.19 6.76 10-2040 19 Joint and 100% Survivor Life Primary Annuitant ~~Unisex~~ Male Age 60 65 70 75 80 85 ~~Unisex 3~~1.00% 54.00% 31.00% 54.00% 31.00% 54.00% 31.00% 54.00% 31.00% 54.00% 31.00% 54.00% ~~Age~~ Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Female Age 60 ~~3.84 5.05 4.07 5.27 4.34 5.54 4.65 5.86 5.00 6.24 5.39 6.69~~ 2.40 4.17 2.48 4.32 2.55 4.49 2.59 4.67 2.62 4.87 2.64 5.10 65 ~~3.90 5.10 4.17 5.35 4.47 5.65 4.83 6.01 5.23 6.44 5.68 6.94~~ 2.51 4.23 2.65 4.42 2.76 4.62 2.84 4.84 2.90 5.07 2.93 5.34 70 ~~3.96 5.15 4.25 5.43 4.60 5.76~~ 2.61 4.28 2.80 4.50 2.97 4.74 3.11 5.01 3.22 5.30 3.29 5.62 75 2.68 4.33 2.92 4.57 3.16 4.86 3.38 5.18 3.58 5.55 3.72 5.96 80 2.73 4.36 3.01 4.62 3.32 4.95 3.64 5.34 3.95 5.80 4.22 6.32 85 2.77 4.38 3.07 4.67 3.44 5.02 ~~6.17 5.49 6.66~~ 3.85 5.47 4.31 6.03 7.24 75 4.00 5.19 4.32 5.49 4.72 5.87 5.20 6.34 5.76 6.91 6.41 7.58 80 4.03 5.23 4.38 5.55 4.81 5.96 5.36 6.49 6.02 7.15 6.81 7.96 85 4.05 5.25 4.42 5.59 4.88 6.04 5.49 6.62 6.25 7.38 7.20 8.33 29 OPTION 4 — 4.76 6.70 PERIOD CERTAIN ONLY Monthly Income 3Years 1.00% 5Fixed 4.00% ~~Years Fixed~~ Variable ~~5 17.91 18.74 6 15.14 15.99 7 13.16 14.02 8 11.68 12.56 9 10.53 11.42~~ 10 ~~9.61 10.51~~ 8.75 10.06 11 ~~8.86 9.77~~ 7.99 9.31 12 ~~8.24 9.16~~ 7.36 8.69 13 ~~7.71 8.64~~ 6.83 8.17 14 ~~7.26 8.20~~ 6.37 7.72 15 ~~6.87 7.82~~ 5.98 7.34 16 ~~6.53 7.49~~ 5.63 7.00 17 ~~6.23 7.20~~ 5.33 6.71 18 ~~5.96 6.94~~ 5.05 6.44 19 ~~5.73 6.71~~ 4.81 6.21 20 ~~5.51 6.51~~ 4.59 6.00 21 ~~5.32 6.33~~ 4.40 5.81 22 ~~5.15 6.17~~ 4.22 5.64 23 ~~4.99 6.02~~ 4.05 5.49 24 ~~4.84 5.88~~ 3.90 5.35 25 ~~4.71 5.76~~ 3.76 5.22 26 ~~4.59 5.65~~ 3.64 5.10 27 ~~4.47 5.54~~ 3.52 5.00 28 ~~4.37 5.45~~ 3.41 4.90 29 ~~4.27 5.36~~ 3.31 4.80 30 ~~4.18 5.28 A Stock Company~~ 3.21 4.72 10-2040 20 Pacific Life ~~Insurance~~ & Annuity Company • l [700 ~~Xxxxxxx Xxxxxx Xxxxx •~~ Newport ~~Beach~~Center Drive l Nxxxxxx Xxxxx, ~~CA 92660~~ XX 00000] INDIVIDUAL FLEXIBLE PREMIUM DEFERRED VARIABLE ANNUITY CONTRACT Investment Experience Reflected in Benefits Variable Accumulation Before Annuity Date Annuities Payable in Fixed and/or Variable ~~and Fixed~~ Dollar Amounts Death Benefit Proceeds Payable Before Annuity Date Non-Participating

Appears in 1 contract

Samples: Individual Flexible (Separate Account a of Pacific Life & Annuity Co)

Basis of Computations. The actuarial basis for the fixed Annuity Option Tables is the 1983a Annuity Mortality Table with the ages set back ten (10) years with interest at an annual rate of [3%]. The rates for variable annuity payments are based on an assumed investment return of 5% per year and the 1983a Annuity Mortality Table with the ages set back ten (10) years. Rates Not Shown – — Any rates and/or ages not shown in the tables contained in this Contract will be provided by the Company upon request. Annuity benefits will not be less than those that would have been provided by the application of an amount to purchase any single premium immediate annuity offered by us at the time annuity payments commence to the same class of annuitants. ICC10:10-1180 OPTIONS 1 AND 2 LIFE ONLY OR LIFE WITH GUARANTEED PERIOD CERTAIN OF 10 AND 20 YEARS Fixed Annuity Rates Male at 3% Female at 3% Unisex at 3% Life with Life with Life with Guaranteed Guaranteed Guaranteed Life Period Certain Life Period Certain Life Period Certain Age Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. 30 3.04 3.03 3.03 2.93 2.93 2.93 2.99 2.98 2.98 35 3.14 3.14 3.13 3.02 3.02 3.01 3.08 3.08 3.07 40 3.28 3.27 3.26 3.13 3.12 3.12 3.20 3.20 3.19 45 3.44 3.44 3.41 3.26 3.26 3.24 3.35 3.35 3.33 50 3.66 3.64 3.60 3.42 3.42 3.40 3.54 3.54 3.50 55 3.93 3.90 3.82 3.63 3.63 3.59 3.78 3.77 3.71 60 4.27 4.22 4.08 3.90 3.89 3.82 4.09 4.06 3.96 65 4.70 4.62 4.39 4.25 4.22 4.11 4.48 4.43 4.25 70 5.28 5.14 4.71 4.72 4.66 4.44 5.00 4.90 4.58 75 6.10 5.81 5.02 5.35 5.22 4.79 5.73 5.52 4.92 80 7.23 6.61 5.27 6.25 5.96 5.12 6.74 6.30 5.20 85 8.82 7.49 5.42 7.56 6.89 5.35 8.18 7.20 5.39 90 11.06 8.33 5.49 9.53 7.89 5.47 10.28 8.12 5.48 95 14.16 8.97 5.51 12.48 8.74 5.50 13.30 8.86 5.51 Variable Annuity Rates Male at 5% Female at 5% Unisex at 5% Life with Life with Life with Guaranteed Guaranteed Guaranteed Life Period Certain Life Period Certain Life Period Certain Age Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. 30 4.38 4.37 4.36 4.29 4.29 4.29 4.34 4.33 4.33 35 4.46 4.46 4.44 4.36 4.35 4.35 4.41 4.41 4.40 40 4.57 4.56 4.54 4.44 4.44 4.42 4.51 4.50 4.49 45 4.71 4.70 4.67 4.55 4.54 4.52 4.63 4.62 4.60 50 4.91 4.89 4.82 4.69 4.68 4.65 4.80 4.78 4.74 55 5.16 5.12 5.02 4.87 4.86 4.81 5.02 4.99 4.92 60 5.48 5.41 5.24 5.12 5.09 5.01 5.30 5.26 5.13 65 5.89 5.79 5.51 5.44 5.40 5.26 5.67 5.60 5.39 70 6.46 6.28 5.80 5.89 5.80 5.55 6.18 6.05 5.68 75 7.27 6.91 6.08 6.51 6.34 5.87 6.89 6.64 5.98 80 8.41 7.68 6.29 7.39 7.05 6.16 7.90 7.38 6.23 85 10.02 8.52 6.43 8.72 7.93 6.37 9.36 8.24 6.40 90 12.29 9.30 6.49 10.71 8.88 6.47 11.49 9.10 6.48 95 15.42 9.90 6.51 13.70 9.68 6.50 14.55 9.80 6.51 ICC10:10-1180 28 OPTION 3 — JOINT AND 50% SURVIVOR LIFE Primary Annuitant Male Age 60 65 70 75 80 85 Female 3% 5% 3% 5% 3% 5% 3% 5% 3% 5% 3% 5% Age Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable 60 3.91 5.12 4.13 5.34 4.39 5.60 4.69 5.92 5.02 6.30 5.38 6.73 65 3.99 5.19 4.25 5.43 4.54 5.73 4.88 6.09 5.26 6.51 5.67 6.98 70 4.06 5.25 4.36 5.53 4.70 5.87 5.10 6.27 5.55 6.75 6.03 7.29 75 4.12 5.31 4.46 5.62 4.85 6.00 5.32 6.47 5.86 7.03 6.45 7.66 80 4.17 5.36 4.54 5.70 4.98 6.13 5.54 6.67 6.18 7.33 6.91 8.08 85 4.21 5.40 4.60 5.77 5.09 6.24 5.72 6.86 6.49 7.63 7.40 8.54 Primary Annuitant Unisex Age 60 65 70 75 80 85 Unisex 3% 5% 3% 5% 3% 5% 3% 5% 3% 5% 3% 5% Age Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable 60 3.84 5.05 4.07 5.27 4.34 5.54 4.65 5.86 5.00 6.24 5.39 6.69 65 3.90 5.10 4.17 5.35 4.47 5.65 4.83 6.01 5.23 6.44 5.68 6.94 70 3.96 5.15 4.25 5.43 4.60 5.76 5.02 6.17 5.49 6.66 6.03 7.24 75 4.00 5.19 4.32 5.49 4.72 5.87 5.20 6.34 5.76 6.91 6.41 7.58 80 4.03 5.23 4.38 5.55 4.81 5.96 5.36 6.49 6.02 7.15 6.81 7.96 85 4.05 5.25 4.42 5.59 4.88 6.04 5.49 6.62 6.25 7.38 7.20 8.33 OPTION 3 — JOINT AND 66 2/3% SURVIVOR LIFE Primary Annuitant Male Age 60 65 70 75 80 85 Female 3% 5% 3% 5% 3% 5% 3% 5% 3% 5% 3% 5% Age Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable 60 3.80 5.01 3.97 5.18 4.16 5.36 4.35 5.58 4.55 5.81 4.76 6.06 65 3.90 5.10 4.12 5.30 4.34 5.52 4.58 5.77 4.83 6.05 5.07 6.34 70 4.00 5.18 4.25 5.42 4.53 5.69 4.84 6.00 5.15 6.33 5.46 6.68 75 4.08 5.26 4.38 5.54 4.72 5.87 5.11 6.25 5.51 6.66 5.92 7.10 80 4.14 5.33 4.48 5.64 4.89 6.03 5.37 6.50 5.90 7.03 6.45 7.59 85 4.19 5.38 4.56 5.73 5.03 6.17 5.61 6.73 6.28 7.39 7.02 8.14 OPTION 3 — JOINT AND 100% SURVIVOR LIFE Primary Annuitant Male Age 60 65 70 75 80 85 Female 3% 5% 3% 5% 3% 5% 3% 5% 3% 5% 3% 5% Age Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable 60 3.60 4.80 3.69 4.88 3.76 4.94 3.81 5.00 3.84 5.04 3.87 5.06 65 3.75 4.93 3.88 5.04 3.99 5.15 4.07 5.23 4.14 5.30 4.18 5.35 70 3.88 5.05 4.06 5.21 4.24 5.37 4.38 5.52 4.50 5.63 4.58 5.72 75 3.99 5.16 4.23 5.38 4.49 5.61 4.72 5.83 4.93 6.03 5.08 6.19 80 4.08 5.25 4.38 5.52 4.72 5.83 5.07 6.17 5.40 6.49 5.68 6.77 85 4.15 5.33 4.50 5.65 4.91 6.03 5.39 6.49 5.89 6.97 6.37 7.44 Primary Annuitant Unisex Age 60 65 70 75 80 85 Unisex 3% 5% 3% 5% 3% 5% 3% 5% 3% 5% 3% 5% Age Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable 60 3.84 5.05 4.07 5.27 4.34 5.54 4.65 5.86 5.00 6.24 5.39 6.69 65 3.90 5.10 4.17 5.35 4.47 5.65 4.83 6.01 5.23 6.44 5.68 6.94 70 3.96 5.15 4.25 5.43 4.60 5.76 5.02 6.17 5.49 6.66 6.03 7.24 75 4.00 5.19 4.32 5.49 4.72 5.87 5.20 6.34 5.76 6.91 6.41 7.58 80 4.03 5.23 4.38 5.55 4.81 5.96 5.36 6.49 6.02 7.15 6.81 7.96 85 4.05 5.25 4.42 5.59 4.88 6.04 5.49 6.62 6.25 7.38 7.20 8.33 ICC10:10-1180 29 OPTION 4 — PERIOD CERTAIN ONLY Monthly Income 3% 5% Years Fixed Variable 5 ~~17.91~~ 17.90 18.74 6 ~~15.14 15.99~~ 15.13 15.98 7 13.16 14.02 8 11.68 12.56 9 10.53 11.42 10 9.61 10.51 11 8.86 9.77 12 8.24 9.16 13 7.71 8.64 14 7.26 8.20 15 6.87 7.82 16 6.53 7.49 17 6.23 7.20 18 5.96 6.94 19 5.73 6.71 20 5.51 6.51 21 5.32 6.33 22 5.15 6.17 23 4.99 6.02 24 4.84 5.88 25 4.71 5.76 26 4.59 5.65 27 4.47 5.54 28 4.37 5.45 29 4.27 5.36 30 4.18 5.28 ~~A Stock Company~~ ICC10:10-1180 30 Pacific Life Insurance Company • ~~700~~ [000 Xxxxxxx Xxxxxx Xxxxx • Newport Beach, CA 92660 INDIVIDUAL FLEXIBLE PREMIUM DEFERRED VARIABLE ANNUITY CONTRACT Investment Experience Reflected in Benefits Variable Accumulation Before Annuity Date Annuities Payable in Variable and Fixed Dollar Amounts Death Benefit Proceeds Payable Before Annuity Date Non-Participating92660]

Appears in 1 contract

Samples: Separate Account a of Pacific Life Insurance Co

Basis of Computations. The actuarial basis for the fixed Annuity Option Tables is the 1983a Annuity Mortality Table with the ages set back ten (10) years with interest at an annual rate of 3%. The rates for variable annuity payments are based on an assumed investment return of 54% per year and the 1983a Annuity Mortality Table with the ages set back ten (10) years. Rates Not Shown – ~~Any~~ We will provide rates for any payment frequency, interest rate, age or sex, combinations thereof, and/or ~~ages~~ payout percentage for any Annuity Option, if applicable, that we offer if they are not shown in the ~~tables contained in this Contract will be provided by the Company upon request~~tables. OPTIONS 1 AND 2 LIFE ONLY OR LIFE WITH GUARANTEED PERIOD CERTAIN OF 10 AND 20 YEARS Fixed Annuity Rates Male at 3% Female at 3% Unisex at 3% Life with Life with Life with Guaranteed Guaranteed Guaranteed Life Period Certain Life Period Certain Life Period Certain Age Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. 30 3.04 3.03 3.03 2.93 2.93 2.93 2.99 2.98 2.98 35 3.14 3.14 3.13 3.02 3.02 3.01 3.08 3.08 3.07 40 3.28 3.27 3.26 3.13 3.12 3.12 3.20 3.20 3.19 45 3.44 3.44 3.41 3.26 3.26 3.24 3.35 3.35 3.33 50 3.66 3.64 3.60 3.42 3.42 3.40 3.54 3.54 3.50 55 3.93 3.90 3.82 3.63 3.63 3.59 3.78 3.77 3.71 60 4.27 4.22 4.08 3.90 3.89 3.82 4.09 4.06 3.96 65 4.70 4.62 4.39 4.25 4.22 4.11 4.48 4.43 4.25 70 5.28 5.14 4.71 4.72 4.66 4.44 5.00 4.90 4.58 75 6.10 5.81 5.02 5.35 5.22 4.79 5.73 5.52 4.92 80 7.23 6.61 5.27 6.25 5.96 5.12 6.74 6.30 5.20 85 8.82 7.49 5.42 7.56 6.89 5.35 8.18 7.20 5.39 90 11.06 8.33 5.49 9.53 7.89 5.47 10.28 8.12 5.48 95 14.16 8.97 5.51 12.48 8.74 5.50 13.30 8.86 5.51 Variable Annuity Rates Male at 54% Female at 54% Unisex at 54% Life with Life with Life with Guaranteed Guaranteed Guaranteed Life Period Certain Life Period Certain Life Period Certain Age Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. 30 ~~4.38~~ 3.69 3.69 3.68 3.60 3.59 3.59 3.64 3.64 3.64 35 3.79 3.78 3.77 3.67 3.67 3.66 3.73 3.73 3.72 40 3.91 3.90 3.88 3.77 3.76 3.75 3.84 3.83 3.82 45 4.06 4.06 4.02 3.89 3.88 3.87 3.98 3.97 3.95 50 4.27 4.25 4.20 4.04 4.03 4.01 4.16 4.15 4.11 55 4.53 4.50 4.40 4.24 4.23 4.18 4.39 4.37 4.36 4.29 4.29 4.29 4.34 4.33 4.33 35 4.46 4.46 4.44 4.36 4.35 4.35 4.41 4.41 4.40 40 4.57 4.56 4.54 4.44 4.44 4.42 4.51 4.50 4.49 45 4.71 4.70 4.67 4.55 4.54 4.52 4.63 4.62 4.60 50 4.91 4.89 4.82 4.69 4.68 4.65 4.80 4.78 4.74 55 5.16 5.12 5.02 4.87 4.30 60 4.86 4.81 ~~5.02 4.99 4.92 60 5.48 5.41~~ 4.65 4.50 4.47 4.40 4.68 4.64 4.53 65 5.29 5.20 4.94 4.84 4.86 4.67 5.06 5.00 4.81 70 5.86 5.70 5.24 5.29 5.22 4.98 5.58 5.47 5.12 ~~5.09 5.01 5.30 5.26 5.13 65~~ 75 6.68 6.35 5.54 5.92 5.77 5.32 6.30 6.07 5.44 80 7.82 7.14 5.77 6.81 6.50 5.63 7.31 6.83 5.71 85 9.41 8.00 5.91 8.14 7.40 5.85 8.77 7.72 5.89 ~~5.79 5.51 5.44 5.40 5.26 5.67 5.60 5.39 70 6.46 6.28 5.80 5.89 5.80 5.55 6.18 6.05 5.68 75 7.27 6.91 6.08 6.51 6.34 5.87 6.89 6.64~~ 90 11.68 8.81 5.98 ~~80 8.41 7.68 6.29 7.39 7.05 6.16 7.90 7.38 6.23 85 10.02 8.52 6.43 8.72 7.93 6.37 9.36 8.24 6.40 90 12.29 9.30 6.49 10.71 8.88 6.47 11.49 9.10 6.48~~ 10.12 8.38 5.96 10.88 8.61 5.97 95 ~~15.42 9.90 6.51 13.70 9.68 6.50 14.55 9.80 6.51 28~~ 14.79 9.43 6.00 13.08 9.21 6.00 13.92 9.33 6.00 OPTION 3 — – JOINT AND 50% SURVIVOR LIFE Primary Annuitant Male Age 60 65 70 75 80 85 ~~Female~~ 3% 54% 3% 54% 3% 54% 3% 54% 3% 54% 3% 54% ~~Age~~ Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Female 60 3.91 ~~5.12~~ 4.50 4.13 ~~5.34~~ 4.72 4.39 ~~5.60~~ 4.98 4.69 ~~5.92~~ 5.30 5.02 ~~6.30~~ 5.65 5.38 ~~6.73~~ 6.05 Age 65 3.99 ~~5.19~~ 4.58 4.25 ~~5.43~~ 4.83 4.54 ~~5.73~~ 5.13 4.88 ~~6.09~~ 5.48 5.26 ~~6.51~~ 5.88 5.67 ~~6.98~~ 6.32 70 4.06 ~~5.25~~ 4.65 4.36 ~~5.53~~ 4.93 4.70 ~~5.87~~ 5.27 5.10 ~~6.27~~ 5.68 5.55 ~~6.75~~ 6.14 6.03 ~~7.29~~ 6.65 75 4.12 ~~5.31~~ 4.71 4.46 ~~5.62~~ 5.03 4.85 ~~6.00~~ 5.42 5.32 ~~6.47~~ 5.89 5.86 ~~7.03~~ 6.44 6.45 ~~7.66~~ 7.05 80 4.17 ~~5.36~~ 4.75 4.54 ~~5.70~~ 5.11 4.98 ~~6.13~~ 5.55 5.54 ~~6.67~~ 6.10 6.18 ~~7.33~~ 6.75 6.91 ~~8.08~~ 7.49 85 4.21 ~~5.40~~ 4.79 4.60 ~~5.77~~ 5.17 5.09 ~~6.24~~ 5.66 5.72 ~~6.86~~ 6.28 6.49 ~~7.63~~ 7.05 7.40 ~~8.54~~ 7.96 Primary Annuitant Unisex Age 60 65 70 75 80 85 3% 4% 3% 4% 3% 4% 3% 4% 3% 4% 3% 4% Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Unisex 60 3.84 4.43 4.07 4.66 4.34 4.93 4.65 5.24 5.00 5.61 5.39 6.03 Age 65 3.90 4.49 4.17 4.75 4.47 5.05 4.83 5.41 5.23 5.83 5.68 6.31 70 3.96 4.54 4.25 4.83 4.60 5.17 5.02 5.59 5.49 6.07 6.03 6.63 75 4.00 4.58 4.32 4.90 4.72 5.28 5.20 5.76 5.76 6.33 6.41 6.99 80 4.03 4.62 4.38 4.95 4.81 5.38 5.36 5.92 6.02 6.58 6.81 7.38 85 4.05 4.64 4.42 4.99 4.88 5.45 5.49 6.05 6.25 6.81 7.20 7.76 OPTION 3 — – JOINT AND 66 2/3% SURVIVOR LIFE Primary Annuitant Male Age 60 65 70 75 80 85 ~~Female~~ 3% 54% 3% 54% 3% 54% 3% 54% 3% 54% 3% 54% ~~Age~~ Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Female 60 3.80 ~~5.01~~ 4.39 3.97 ~~5.18~~ 4.56 4.16 ~~5.36~~ 4.75 4.35 ~~5.58~~ 4.95 4.55 ~~5.81~~ 5.17 4.76 ~~6.06~~ 5.40 Age 65 3.90 ~~5.10~~ 4.49 4.12 ~~5.30~~ 4.69 4.34 ~~5.52~~ 4.92 4.58 ~~5.77~~ 5.17 4.83 ~~6.05~~ 5.43 5.07 ~~6.34~~ 5.70 70 4.00 ~~5.18~~ 4.58 4.25 ~~5.42~~ 4.83 4.53 ~~5.69~~ 5.10 4.84 ~~6.00~~ 5.41 5.15 ~~6.33~~ 5.73 5.46 ~~6.68~~ 6.06 75 4.08 ~~5.26~~ 4.66 4.38 ~~5.54~~ 4.95 4.72 ~~5.87~~ 5.28 5.11 ~~6.25~~ 5.67 5.51 ~~6.66~~ 6.08 5.92 ~~7.10~~ 6.50 80 4.14 ~~5.33~~ 4.72 4.48 ~~5.64~~ 5.05 4.89 ~~6.03~~ 5.45 5.37 ~~6.50~~ 5.92 5.90 ~~7.03~~ 6.45 ~~7.59~~ 6.45 7.01 85 4.19 ~~5.38~~ 4.77 4.56 ~~5.73~~ 5.13 5.03 ~~6.17~~ 5.59 5.61 ~~6.73~~ 6.16 6.28 ~~7.39~~ 6.83 7.02 ~~8.14~~ 7.58 OPTION 3 — – JOINT AND 100% SURVIVOR LIFE Primary Annuitant Male Age 60 65 70 75 80 85 ~~Female~~ 3% 54% 3% 54% 3% 54% 3% 54% 3% 54% 3% 54% ~~Age~~ Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Female 60 3.60 ~~4.80~~ 4.19 3.69 ~~4.88~~ 4.27 3.76 ~~4.94~~ 4.34 3.81 ~~5.00~~ 4.39 3.84 ~~5.04~~ 4.43 3.87 ~~5.06~~ 4.45 Age 65 3.75 ~~4.93~~ 4.32 3.88 ~~5.04~~ 4.45 3.99 ~~5.15~~ 4.55 4.07 ~~5.23~~ 4.64 4.14 ~~5.30~~ 4.71 4.18 ~~5.35~~ 4.76 70 3.88 ~~5.05~~ 4.45 4.06 ~~5.21~~ 4.62 4.24 ~~5.37~~ 4.79 4.38 ~~5.52~~ 4.94 4.50 ~~5.63~~ 5.06 4.58 ~~5.72~~ 5.14 75 3.99 ~~5.16~~ 4.56 4.23 ~~5.38~~ 4.79 4.49 ~~5.61~~ 5.03 4.72 ~~5.83~~ 5.27 4.93 ~~6.03~~ 5.47 5.08 ~~6.19~~ 5.63 80 4.08 ~~5.25~~ 4.65 4.38 ~~5.52~~ 4.94 4.72 ~~5.83~~ 5.27 5.07 ~~6.17~~ 5.61 5.40 ~~6.49~~ 5.94 5.68 ~~6.77~~ 6.22 85 4.15 ~~5.33~~ 4.73 4.50 ~~5.65~~ 5.06 4.91 ~~6.03~~ 5.46 5.39 ~~6.49~~ 5.93 5.89 ~~6.97~~ 6.43 6.37 7.44 Primary Annuitant Unisex Age 60 65 70 75 80 85 Unisex 3% 5% 3% 5% 3% 5% 3% 5% 3% 5% 3% 5% Age Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable 60 3.84 5.05 4.07 5.27 4.34 5.54 4.65 5.86 5.00 6.24 5.39 6.69 65 3.90 5.10 4.17 5.35 4.47 5.65 4.83 6.01 5.23 6.44 5.68 6.94 70 3.96 5.15 4.25 5.43 4.60 5.76 5.02 6.17 5.49 6.66 6.03 7.24 75 4.00 5.19 4.32 5.49 4.72 5.87 5.20 6.34 5.76 6.91 6.41 7.58 80 4.03 5.23 4.38 5.55 4.81 5.96 5.36 6.49 6.02 7.15 6.81 7.96 85 4.05 5.25 4.42 5.59 4.88 6.04 5.49 6.62 6.25 7.38 7.20 8.33 29 6.90 30 OPTION 4 — – PERIOD CERTAIN ONLY Monthly Income 3% 5Years Fixed 5 17.91 6 15.14 7 13.16 8 11.68 9 10.53 10 9.61 11 8.86 Monthly Income 3% Years Fixed ~~Variable 5 17.91 18.74 6 15.14 15.99 7 13.16 14.02 8 11.68 12.56 9 10.53 11.42 10 9.61 10.51 11 8.86 9.77~~ 12 8.24 ~~9.16~~ 13 7.71 ~~8.64~~ 14 7.26 ~~8.20~~ 15 6.87 ~~7.82~~ 16 6.53 ~~7.49~~ 17 6.23 ~~7.20~~ 18 5.96 ~~6.94~~ Monthly Income 3% Years Fixed 19 5.73 ~~6.71~~ 20 5.51 ~~6.51~~ 21 5.32 ~~6.33~~ 22 5.15 ~~6.17~~ 23 4.99 ~~6.02~~ 24 4.84 ~~5.88~~ 25 4.71 ~~5.76~~ Monthly Income 3% Years Fixed 26 4.59 ~~5.65~~ 27 4.47 ~~5.54~~ 28 4.37 ~~5.45~~ 29 4.27 ~~5.36~~ 30 4.18 5.28 A Stock Company Pacific Life Insurance Company • 700 Xxxxxxx Xxxxxx Xxxxx • Newport Beach, CA 92660 INDIVIDUAL FLEXIBLE PREMIUM DEFERRED VARIABLE ANNUITY CONTRACT Investment Experience Reflected in Benefits Variable Accumulation Before Annuity Date Annuities Payable in Variable and Fixed Dollar Amounts Death Benefit Proceeds Payable Before Annuity Date Non-Participating4.18

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Samples: Read Your Contract Carefully (Separate Account a of Pacific Life & Annuity Co)

Common use of Basis of Computations Clause in Contracts