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 4% per year and the 1983a Annuity Mortality Table with the ages set back ten (10) years. Rates Not Shown — We will provide rates for any payment frequency, interest rate, Age or sex, combinations thereof, and/or payout percentage for any Annuity Option, if applicable, that we offer if they are not shown in the tables. 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 annuitant. 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 PERIOD CERTAIN OF 10 AND 20 YEARS Fixed Annuity Rates Fixed Annuity Rates Male at 3% Female at 3% Option 1 Option 2 Option 1 Option 2 Life with Period Certain Life with Period Certain Age Life Only 10 Years 20 Years Life Only 10 Years 20 Years 30 3.04 3.03 3.03 2.93 2.93 2.93 35 3.14 3.14 3.13 3.02 3.02 3.01 40 3.28 3.27 3.26 3.13 3.12 3.12 45 3.44 3.44 3.41 3.26 3.26 3.24 50 3.66 3.64 3.60 3.42 3.42 3.40 55 3.93 3.90 3.82 3.63 3.63 3.59 60 4.27 4.22 4.08 3.90 3.89 3.82 65 4.70 4.62 4.39 4.25 4.22 4.11 70 5.28 5.14 4.71 4.72 4.66 4.44 75 6.10 5.81 5.02 5.35 5.22 4.79 80 7.23 6.61 5.27 6.25 5.96 5.12 85 8.82 7.49 5.42 7.56 6.89 5.35 90 11.06 8.33 5.49 9.53 7.89 5.47 95 14.16 8.97 5.51 12.48 8.74 5.50 Variable Annuity Rates Variable Annuity Rates Male at 4% Female at 4% Option 1 Option 2 Option 1 Option 2 Life with Period Certain Life with Period Certain Age Life Only 10 Years 20 Years Life Only 10 Years 20 Years 30 3.69 3.69 3.68 3.60 3.59 3.59 35 3.79 3.78 3.77 3.67 3.67 3.66 40 3.91 3.90 3.88 3.77 3.76 3.75 45 4.06 4.06 4.02 3.89 3.88 3.87 50 4.27 4.25 4.20 4.04 4.03 4.01 55 4.53 4.50 4.40 4.24 4.23 4.18 60 4.86 4.81 4.65 4.50 4.47 4.40 65 5.29 5.20 4.94 4.84 4.86 4.67 70 5.86 5.70 5.24 5.29 5.22 4.98 75 6.68 6.35 5.54 5.92 5.77 5.32 80 7.82 7.14 5.77 6.81 6.50 5.63 85 9.41 8.00 5.91 8.14 7.40 5.85 90 11.68 8.81 5.98 10.12 8.38 5.96 95 14.79 9.43 6.00 13.08 9.21 6.00 OPTION 3 — JOINT AND 50% SURVIVOR LIFE Primary Annuitant Male Age 60 65 70 3% 4% 3% 4% 3% 4% Fixed Variable Fixed Variable Fixed Variable Female 60 3.91 4.50 4.13 4.72 4.39 4.98 Age 65 3.99 4.58 4.25 4.83 4.54 5.13 70 4.06 4.65 4.36 4.93 4.70 5.27 75 4.12 4.71 4.46 5.03 4.85 5.42 80 4.17 4.75 4.54 5.11 4.98 5.55 85 4.21 4.79 4.60 5.17 5.09 5.66 Primary Annuitant Male Age 75 80 85 3% 4% 3% 4% 3% 4% Fixed Variable Fixed Variable Fixed Variable Female 60 4.69 5.30 5.02 5.65 5.38 6.05 Age 65 4.88 5.48 5.26 5.88 5.67 6.32 70 5.10 5.68 5.55 6.14 6.03 6.65 75 5.32 5.89 5.86 6.44 6.45 7.05 80 5.54 6.10 6.18 6.75 6.91 7.49 85 5.72 6.28 6.49 7.05 7.40 7.96 OPTION 3 — JOINT AND 66 2/3% SURVIVOR LIFE Primary Annuitant Male Age 60 65 70 3% 4% 3% 4% 3% 4% Fixed Variable Fixed Variable Fixed Variable Female 60 3.80 4.39 3.97 4.56 4.16 4.75 Age 65 3.90 4.49 4.12 4.69 4.34 4.92 70 4.00 4.58 4.25 4.83 4.53 5.10 75 4.08 4.66 4.38 4.95 4.72 5.28 80 4.14 4.72 4.48 5.05 4.89 5.45 85 4.19 4.77 4.56 5.13 5.03 5.59 Primary Annuitant Male Age 75 80 85 3% 4% 3% 4% 3% 4% Fixed Variable Fixed Variable Fixed Variable Female 60 4.35 4.95 4.55 5.17 4.76 5.40 Age 65 4.58 5.17 4.83 5.43 5.07 5.70 70 4.84 5.41 5.15 5.73 5.46 6.06 75 5.11 5.67 5.51 6.08 5.92 6.50 80 5.37 5.92 5.90 6.45 6.45 7.01 85 5.61 6.16 6.28 6.83 7.02 7.58 OPTION 3 — JOINT AND 100% SURVIVOR LIFE Primary Annuitant Male Age 60 65 70 3% 4% 3% 4% 3% 4% Fixed Variable Fixed Variable Fixed Variable Female 60 3.60 4.19 3.69 4.27 3.76 4.34 Age 65 3.75 4.32 3.88 4.45 3.99 4.55 70 3.88 4.45 4.06 4.62 4.24 4.79 75 3.99 4.56 4.23 4.79 4.49 5.03 80 4.08 4.65 4.38 4.94 4.72 5.27 85 4.15 4.73 4.50 5.06 4.91 5.46 Primary Annuitant Male Age 75 80 85 3% 4% 3% 4% 3% 4% Fixed Variable Fixed Variable Fixed Variable Female 60 3.81 4.39 3.84 4.43 3.87 4.45 Age 65 4.07 4.64 4.14 4.71 4.18 4.76 70 4.38 4.94 4.50 5.06 4.58 5.14 75 4.72 5.27 4.93 5.47 5.08 5.63 80 5.07 5.61 5.40 5.94 5.68 6.22 85 5.39 5.93 5.89 6.43 6.37 6.90 OPTION 4 — PERIOD CERTAIN ONLY Monthly Monthly Monthly Monthly Income Income Income Income 3% 3% 3% 3% Years Fixed Years Fixed Years Fixed Years Fixed 5 17.91 12 8.24 19 5.73 26 4.59 6 15.14 13 7.71 20 5.51 27 4.47 7 13.16 14 7.26 21 5.32 28 4.37 8 11.68 15 6.87 22 5.15 29 4.27 9 10.53 16 6.53 23 4.99 30 4.18 10 9.61 17 6.23 24 4.84 11 8.86 18 5.96 25 4.71 A Stock Company Pacific Life & Annuity Company l 700 Xxxxxxx Xxxxxx Xxxxx x Xxxxxxx Xxxxx, XX 00000
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Samples: Separate Account a of Pacific Life & Annuity Co, 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 4% per year and the 1983a Annuity Mortality Table with the ages set back ten (10) years. Rates Not Shown — – We will provide rates for any payment frequency, interest rate, Age or sex, combinations thereof, and/or payout percentage for any Annuity Option, if applicable, that we offer if they are not shown in the tables. 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 annuitant. The amount shall be the greater of the withdrawal proceeds cash surrender benefit or 95% of what the withdrawal proceeds cash surrender benefit would be if there were no withdrawal chargescharge. Exhibit 4(a) OPTIONS 1 AND 2 LIFE ONLY OR LIFE WITH PERIOD CERTAIN OF 10 AND 20 YEARS Fixed Annuity Rates Fixed Annuity Rates Male at 3% Female at 3% Option 1 Option 2 Option 1 Option 2 Life with Period Certain Life with Period Certain Age Life Only 10 Years 20 Years Life Only 10 Years 20 Years 30 3.04 3.03 3.03 2.93 2.93 2.93 35 3.14 3.14 3.13 3.02 3.02 3.01 40 3.28 3.27 3.26 3.13 3.12 3.12 45 3.44 3.44 3.41 3.26 3.26 3.24 50 3.66 3.64 3.60 3.42 3.42 3.40 55 3.93 3.90 3.82 3.63 3.63 3.59 60 4.27 4.22 4.08 3.90 3.89 3.82 65 4.70 4.62 4.39 4.25 4.22 4.11 70 5.28 5.14 4.71 4.72 4.66 4.44 75 6.10 5.81 5.02 5.35 5.22 4.79 80 7.23 6.61 5.27 6.25 5.96 5.12 85 8.82 7.49 5.42 7.56 6.89 5.35 90 11.06 8.33 5.49 9.53 7.89 5.47 95 14.16 8.97 5.51 12.48 8.74 5.50 Variable Annuity Rates Variable Annuity Rates Male at 4% Female at 4% Option 1 Option 2 Option 1 Option 2 Life with Period Certain Life with Period Certain Age Life Only 10 Years 20 Years Life Only 10 Years 20 Years 30 3.69 3.69 3.68 3.60 3.59 3.59 35 3.79 3.78 3.77 3.67 3.67 3.66 40 3.91 3.90 3.88 3.77 3.76 3.75 45 4.06 4.06 4.02 3.89 3.88 3.87 50 4.27 4.25 4.20 4.04 4.03 4.01 55 4.53 4.50 4.40 4.24 4.23 4.18 60 4.86 4.81 4.65 4.50 4.47 4.40 65 5.29 5.20 4.94 4.84 4.86 4.67 70 5.86 5.70 5.24 5.29 5.22 4.98 75 6.68 6.35 5.54 5.92 5.77 5.32 80 7.82 7.14 5.77 6.81 6.50 5.63 85 9.41 8.00 5.91 8.14 7.40 5.85 90 11.68 8.81 5.98 10.12 8.38 5.96 95 14.79 9.43 6.00 13.08 9.21 6.00 Exhibit 4(a) OPTION 3 — JOINT AND 50% SURVIVOR LIFE Primary Annuitant Male Age 60 65 70 3% 4% 3% 4% 3% 4% Fixed Variable Fixed Variable Fixed Variable Female 60 3.91 4.50 4.13 4.72 4.39 4.98 Age 65 3.99 4.58 4.25 4.83 4.54 5.13 70 4.06 4.65 4.36 4.93 4.70 5.27 75 4.12 4.71 4.46 5.03 4.85 5.42 80 4.17 4.75 4.54 5.11 4.98 5.55 85 4.21 4.79 4.60 5.17 5.09 5.66 Primary Annuitant Male Age 75 80 85 3% 4% 3% 4% 3% 4% Fixed Variable Fixed Variable Fixed Variable Female 60 4.69 5.30 5.02 5.65 5.38 6.05 Age 65 4.88 5.48 5.26 5.88 5.67 6.32 70 5.10 5.68 5.55 6.14 6.03 6.65 75 5.32 5.89 5.86 6.44 6.45 7.05 80 5.54 6.10 6.18 6.75 6.91 7.49 85 5.72 6.28 6.49 7.05 7.40 7.96 OPTION 3 — JOINT AND 66 2/3% SURVIVOR LIFE Primary Annuitant Male Age 60 65 70 3% 4% 3% 4% 3% 4% Fixed Variable Fixed Variable Fixed Variable Female 60 3.80 4.39 3.97 4.56 4.16 4.75 Age 65 3.90 4.49 4.12 4.69 4.34 4.92 70 4.00 4.58 4.25 4.83 4.53 5.10 75 4.08 4.66 4.38 4.95 4.72 5.28 80 4.14 4.72 4.48 5.05 4.89 5.45 85 4.19 4.77 4.56 5.13 5.03 5.59 Primary Annuitant Male Age 75 80 85 3% 4% 3% 4% 3% 4% Fixed Variable Fixed Variable Fixed Variable Female 60 4.35 4.95 4.55 5.17 4.76 5.40 Age 65 4.58 5.17 4.83 5.43 5.07 5.70 70 4.84 5.41 5.15 5.73 5.46 6.06 75 5.11 5.67 5.51 6.08 5.92 6.50 80 5.37 5.92 5.90 6.45 6.45 7.01 85 5.61 6.16 6.28 6.83 7.02 7.58 Exhibit 4(a) OPTION 3 — JOINT AND 100% SURVIVOR LIFE Primary Annuitant Male Age 60 65 70 3% 4% 3% 4% 3% 4% Fixed Variable Fixed Variable Fixed Variable Female 60 3.60 4.19 3.69 4.27 3.76 4.34 Age 65 3.75 4.32 3.88 4.45 3.99 4.55 70 3.88 4.45 4.06 4.62 4.24 4.79 75 3.99 4.56 4.23 4.79 4.49 5.03 80 4.08 4.65 4.38 4.94 4.72 5.27 85 4.15 4.73 4.50 5.06 4.91 5.46 Primary Annuitant Male Age 75 80 85 3% 4% 3% 4% 3% 4% Fixed Variable Fixed Variable Fixed Variable Female 60 3.81 4.39 3.84 4.43 3.87 4.45 Age 65 4.07 4.64 4.14 4.71 4.18 4.76 70 4.38 4.94 4.50 5.06 4.58 5.14 75 4.72 5.27 4.93 5.47 5.08 5.63 80 5.07 5.61 5.40 5.94 5.68 6.22 85 5.39 5.93 5.89 6.43 6.37 6.90 OPTION 4 — PERIOD CERTAIN ONLY Monthly Monthly Monthly Monthly Income Income Income Income 3% 3% 3% 3% Years Fixed Years Fixed Years Fixed Years Fixed 5 17.91 12 8.24 19 5.73 26 4.59 6 15.14 13 7.71 20 5.51 27 4.47 7 13.16 14 7.26 21 5.32 28 4.37 8 11.68 15 6.87 22 5.15 29 4.27 9 10.53 16 6.53 23 4.99 30 4.18 10 9.61 17 6.23 24 4.84 11 8.86 18 5.96 25 4.71 Exhibit 4(a) A Stock Company Pacific Life & Annuity Company l 700 Xxxxxxx Xxxxxx Xxxxx x Xxxxxxx Xxxxx, XX 0000000000 XNDIVIDUAL 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
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 4% per year and the 1983a Annuity Mortality Table with the ages set back ten (10) years. A setback of ten (10) years indicates we will assume an age of ten (10) years younger than the actual attained age when calculating the annuitization factor. For example, a 65 year old will have an annuitization factor calculated based on the tabular mortality of a 55 year old, and progress forward a year at a time. The table of annuitization factors included with this contract already reflects a ten (10) year age setback. Rates Not Shown — – We will provide rates for any payment frequency, interest rate, Age age or sex, combinations thereof, and/or payout percentage for any Annuity Option, if applicable, that we offer if they are not shown in the tables. 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 annuitant. The amount shall be the greater of the withdrawal proceeds or 95% of what the withdrawal proceeds would be if there were no withdrawal chargesproceeds. OPTIONS 1 AND 2 LIFE ONLY OR LIFE WITH GUARANTEED PERIOD CERTAIN OF 10 AND 20 YEARS Fixed Annuity Rates Fixed Annuity Rates Male at 3% Female at 3% Option 1 Option 2 Option 1 Option 2 Unisex at 3% Life with Life with Life with Guaranteed Guaranteed Guaranteed Life Period Certain Life with Period Certain Life Period Certain Age Life Only 10 Years Yr. 20 Years Life Yr. Only 10 Years Yr. 20 Years 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 Variable Annuity Rates 13.30 8.86 5.51 Variable Annuity Rates Male at 4% Female at 4% Option 1 Option 2 Option 1 Option 2 Unisex at 4% Life with Life with Life with Guaranteed Guaranteed Guaranteed Life Period Certain Life with Period Certain Life Period Certain Age Life Only 10 Years Yr. 20 Years Life Yr. Only 10 Years Yr. 20 Years Yr. Only 10 Yr. 20 Yr. 30 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 4.30 60 4.86 4.81 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 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 90 11.68 8.81 5.98 10.12 8.38 5.96 10.88 8.61 5.97 95 14.79 9.43 6.00 13.08 9.21 6.00 13.92 9.33 6.00 10-2180 25 OPTION 3 — JOINT AND 50% SURVIVOR LIFE Primary Annuitant Male Age 60 65 70 75 80 85 Female 3% 4% 3% 4% 3% 4% Fixed Variable Fixed Variable Fixed Variable Female 60 3.91 4.50 4.13 4.72 4.39 4.98 Age 65 3.99 4.58 4.25 4.83 4.54 5.13 70 4.06 4.65 4.36 4.93 4.70 5.27 75 4.12 4.71 4.46 5.03 4.85 5.42 80 4.17 4.75 4.54 5.11 4.98 5.55 85 4.21 4.79 4.60 5.17 5.09 5.66 Primary Annuitant Male Age 75 80 85 3% 4% 3% 4% 3% 4% Age Fixed Variable Fixed Variable Fixed Variable Female Fixed Variable Fixed Variable Fixed Variable 60 3.91 4.50 4.13 4.72 4.39 4.98 4.69 5.30 5.02 5.65 5.38 6.05 Age 65 3.99 4.58 4.25 4.83 4.54 5.13 4.88 5.48 5.26 5.88 5.67 6.32 70 4.06 4.65 4.36 4.93 4.70 5.27 5.10 5.68 5.55 6.14 6.03 6.65 75 4.12 4.71 4.46 5.03 4.85 5.42 5.32 5.89 5.86 6.44 6.45 7.05 80 4.17 4.75 4.54 5.11 4.98 5.55 5.54 6.10 6.18 6.75 6.91 7.49 85 4.21 4.79 4.60 5.17 5.09 5.66 5.72 6.28 6.49 7.05 7.40 7.96 Primary Annuitant Unisex Age 60 65 70 75 80 85 Unisex 3% 4% 3% 4% 3% 4% 3% 4% 3% 4% 3% 4% Age Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable 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% 4% 3% 4% 3% 4% Fixed Variable Fixed Variable Fixed Variable Female 60 3.80 4.39 3.97 4.56 4.16 4.75 Age 65 3.90 4.49 4.12 4.69 4.34 4.92 70 4.00 4.58 4.25 4.83 4.53 5.10 75 4.08 4.66 4.38 4.95 4.72 5.28 80 4.14 4.72 4.48 5.05 4.89 5.45 85 4.19 4.77 4.56 5.13 5.03 5.59 Primary Annuitant Male Age 75 80 85 3% 4% 3% 4% 3% 4% Age Fixed Variable Fixed Variable Fixed Variable Female Fixed Variable Fixed Variable Fixed Variable 60 3.80 4.39 3.97 4.56 4.16 4.75 4.35 4.95 4.55 5.17 4.76 5.40 Age 65 3.90 4.49 4.12 4.69 4.34 4.92 4.58 5.17 4.83 5.43 5.07 5.70 70 4.00 4.58 4.25 4.83 4.53 5.10 4.84 5.41 5.15 5.73 5.46 6.06 75 4.08 4.66 4.38 4.95 4.72 5.28 5.11 5.67 5.51 6.08 5.92 6.50 80 4.14 4.72 4.48 5.05 4.89 5.45 5.37 5.92 5.90 6.45 6.45 7.01 85 4.19 4.77 4.56 5.13 5.03 5.59 5.61 6.16 6.28 6.83 7.02 7.58 OPTION 3 — JOINT AND 100% SURVIVOR LIFE Primary Annuitant Male Age 60 65 70 75 80 85 Female 3% 4% 3% 4% 3% 4% Fixed Variable Fixed Variable Fixed Variable Female 60 3.60 4.19 3.69 4.27 3.76 4.34 Age 65 3.75 4.32 3.88 4.45 3.99 4.55 70 3.88 4.45 4.06 4.62 4.24 4.79 75 3.99 4.56 4.23 4.79 4.49 5.03 80 4.08 4.65 4.38 4.94 4.72 5.27 85 4.15 4.73 4.50 5.06 4.91 5.46 Primary Annuitant Male Age 75 80 85 3% 4% 3% 4% 3% 4% Age Fixed Variable Fixed Variable Fixed Variable Female Fixed Variable Fixed Variable Fixed Variable 60 3.60 4.19 3.69 4.27 3.76 4.34 3.81 4.39 3.84 4.43 3.87 4.45 Age 65 3.75 4.32 3.88 4.45 3.99 4.55 4.07 4.64 4.14 4.71 4.18 4.76 70 3.88 4.45 4.06 4.62 4.24 4.79 4.38 4.94 4.50 5.06 4.58 5.14 75 3.99 4.56 4.23 4.79 4.49 5.03 4.72 5.27 4.93 5.47 5.08 5.63 80 4.08 4.65 4.38 4.94 4.72 5.27 5.07 5.61 5.40 5.94 5.68 6.22 85 4.15 4.73 4.50 5.06 4.91 5.46 5.39 5.93 5.89 6.43 6.37 6.90 10-2180 26 OPTION 4 — PERIOD CERTAIN ONLY Monthly Monthly Monthly Monthly Income Income Income Income 3% 3% 3% 34% Years Fixed Years Fixed Years Fixed Years Fixed Variable 5 17.91 17.90 18.32 6 15.13 15.56 7 13.16 13.59 8 11.68 12.12 9 10.53 10.97 10 9.61 10.06 11 8.86 9.31 12 8.24 8.69 13 7.71 8.17 14 7.26 7.72 15 6.87 7.34 16 6.53 7.00 17 6.23 6.71 18 5.96 6.44 19 5.73 6.21 20 5.51 6.00 21 5.32 5.81 22 5.15 5.64 23 4.99 5.49 24 4.84 5.35 25 4.71 5.22 26 4.59 6 15.14 13 7.71 20 5.51 5.10 27 4.47 7 13.16 14 7.26 21 5.32 5.00 28 4.37 8 11.68 15 6.87 22 5.15 4.90 29 4.27 9 10.53 16 6.53 23 4.99 4.80 30 4.18 10 9.61 17 6.23 24 4.84 11 8.86 18 5.96 25 4.71 A Stock Company 4.72 10-2180 27 Pacific Life & Annuity Company l 700 • 000 Xxxxxxx Xxxxxx Xxxxx x • Xxxxxxx Xxxxx, XX 0000000000 INDIVIDUAL FLEXIBLE PREMIUM DEFERRED VARIABLE ANNUITY CONTRACT Investment Experience Reflected in Benefits Variable Accumulation Before Annuity Date Withdrawal Charges Waived in Specific Instances Variable and Fixed Annuity Payments After Annuity Date Death Benefit Proceeds Payable Before Annuity Date Non-Participating – No Dividends are Payable
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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 4% per year and the 1983a Annuity Mortality Table with the ages set back ten (10) years. Rates Not Shown — – We will provide rates for any payment frequency, interest rate, Age or sex, combinations thereof, and/or payout percentage for any Annuity Option, if applicable, that we offer if they are not shown in the tables. 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 annuitant. The amount shall be the greater of the withdrawal proceeds cash surrender benefit or 95% of what the withdrawal proceeds cash surrender benefit would be if there were no withdrawal chargescharge. OPTIONS 1 AND 2 LIFE ONLY OR LIFE WITH PERIOD CERTAIN OF 10 AND 20 YEARS Fixed Annuity Rates Fixed Annuity Rates Male at 3% Female at 3% Option 1 Option 2 Option 1 Option 2 Life with Period Certain Life with Period Certain Age Life Only 10 Years 20 Years Life Only 10 Years 20 Years 30 3.04 3.03 3.03 2.93 2.93 2.93 35 3.14 3.14 3.13 3.02 3.02 3.01 40 3.28 3.27 3.26 3.13 3.12 3.12 45 3.44 3.44 3.41 3.26 3.26 3.24 50 3.66 3.64 3.60 3.42 3.42 3.40 55 3.93 3.90 3.82 3.63 3.63 3.59 60 4.27 4.22 4.08 3.90 3.89 3.82 65 4.70 4.62 4.39 4.25 4.22 4.11 70 5.28 5.14 4.71 4.72 4.66 4.44 75 6.10 5.81 5.02 5.35 5.22 4.79 80 7.23 6.61 5.27 6.25 5.96 5.12 85 8.82 7.49 5.42 7.56 6.89 5.35 90 11.06 8.33 5.49 9.53 7.89 5.47 95 14.16 8.97 5.51 12.48 8.74 5.50 Variable Annuity Rates Variable Annuity Rates Male at 4% Female at 4% Option 1 Option 2 Option 1 Option 2 Life with Period Certain Life with Period Certain Age Life Only 10 Years 20 Years Life Only 10 Years 20 Years 30 3.69 3.69 3.68 3.60 3.59 3.59 35 3.79 3.78 3.77 3.67 3.67 3.66 40 3.91 3.90 3.88 3.77 3.76 3.75 45 4.06 4.06 4.02 3.89 3.88 3.87 50 4.27 4.25 4.20 4.04 4.03 4.01 55 4.53 4.50 4.40 4.24 4.23 4.18 60 4.86 4.81 4.65 4.50 4.47 4.40 65 5.29 5.20 4.94 4.84 4.86 4.67 70 5.86 5.70 5.24 5.29 5.22 4.98 75 6.68 6.35 5.54 5.92 5.77 5.32 80 7.82 7.14 5.77 6.81 6.50 5.63 85 9.41 8.00 5.91 8.14 7.40 5.85 90 11.68 8.81 5.98 10.12 8.38 5.96 95 14.79 9.43 6.00 13.08 9.21 6.00 OPTION 3 — JOINT AND 50% SURVIVOR LIFE Primary Annuitant Male Age 60 65 70 3% 4% 3% 4% 3% 4% Fixed Variable Fixed Variable Fixed Variable Female 60 3.91 4.50 4.13 4.72 4.39 4.98 Age 65 3.99 4.58 4.25 4.83 4.54 5.13 70 4.06 4.65 4.36 4.93 4.70 5.27 75 4.12 4.71 4.46 5.03 4.85 5.42 80 4.17 4.75 4.54 5.11 4.98 5.55 85 4.21 4.79 4.60 5.17 5.09 5.66 Primary Annuitant Male Age 75 80 85 3% 4% 3% 4% 3% 4% Fixed Variable Fixed Variable Fixed Variable Female 60 4.69 5.30 5.02 5.65 5.38 6.05 Age 65 4.88 5.48 5.26 5.88 5.67 6.32 70 5.10 5.68 5.55 6.14 6.03 6.65 75 5.32 5.89 5.86 6.44 6.45 7.05 80 5.54 6.10 6.18 6.75 6.91 7.49 85 5.72 6.28 6.49 7.05 7.40 7.96 OPTION 3 — JOINT AND 66 2/3% SURVIVOR LIFE Primary Annuitant Male Age 60 65 70 3% 4% 3% 4% 3% 4% Fixed Variable Fixed Variable Fixed Variable Female 60 3.80 4.39 3.97 4.56 4.16 4.75 Age 65 3.90 4.49 4.12 4.69 4.34 4.92 70 4.00 4.58 4.25 4.83 4.53 5.10 75 4.08 4.66 4.38 4.95 4.72 5.28 80 4.14 4.72 4.48 5.05 4.89 5.45 85 4.19 4.77 4.56 5.13 5.03 5.59 Primary Annuitant Male Age 75 80 85 3% 4% 3% 4% 3% 4% Fixed Variable Fixed Variable Fixed Variable Female 60 4.35 4.95 4.55 5.17 4.76 5.40 Age 65 4.58 5.17 4.83 5.43 5.07 5.70 70 4.84 5.41 5.15 5.73 5.46 6.06 75 5.11 5.67 5.51 6.08 5.92 6.50 80 5.37 5.92 5.90 6.45 6.45 7.01 85 5.61 6.16 6.28 6.83 7.02 7.58 OPTION 3 — JOINT AND 100% SURVIVOR LIFE Primary Annuitant Male Age 60 65 70 3% 4% 3% 4% 3% 4% Fixed Variable Fixed Variable Fixed Variable Female 60 3.60 4.19 3.69 4.27 3.76 4.34 Age 65 3.75 4.32 3.88 4.45 3.99 4.55 70 3.88 4.45 4.06 4.62 4.24 4.79 75 3.99 4.56 4.23 4.79 4.49 5.03 80 4.08 4.65 4.38 4.94 4.72 5.27 85 4.15 4.73 4.50 5.06 4.91 5.46 Primary Annuitant Male Age 75 80 85 3% 4% 3% 4% 3% 4% Fixed Variable Fixed Variable Fixed Variable Female 60 3.81 4.39 3.84 4.43 3.87 4.45 Age 65 4.07 4.64 4.14 4.71 4.18 4.76 70 4.38 4.94 4.50 5.06 4.58 5.14 75 4.72 5.27 4.93 5.47 5.08 5.63 80 5.07 5.61 5.40 5.94 5.68 6.22 85 5.39 5.93 5.89 6.43 6.37 6.90 OPTION 4 — PERIOD CERTAIN ONLY Monthly Monthly Monthly Monthly Income Income Income Income 3% 3% 3% 3% Years Fixed Years Fixed Years Fixed Years Fixed 5 17.91 12 8.24 19 5.73 26 4.59 6 15.14 13 7.71 20 5.51 27 4.47 7 13.16 14 7.26 21 5.32 28 4.37 8 11.68 15 6.87 22 5.15 29 4.27 9 10.53 16 6.53 23 4.99 30 4.18 10 9.61 17 6.23 24 4.84 11 8.86 18 5.96 25 4.71 A Stock Company Pacific Life & Annuity Company l 700 Xxxxxxx Xxxxxx Xxxxx x Xxxxxxx Xxxxx, XX 00000Age
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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 4% per year and the 1983a Annuity Mortality Table with the ages set back ten (10) years. Rates Not Shown — - We will provide rates for any payment frequency, interest rate, Age or sex, combinations thereof, and/or payout percentage for any Annuity Option, if applicable, that we offer if they are not shown in the tablesTables. 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 annuitant. 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 Fixed Annuity Rates ------------------------------------------------------------------------------------------------------------ Male at 3% Female at 3% Option 1 Option 2 Option 1 Option 2 Unisex at 3% --------------------------- --------------------------- --------------------------- Life with Life with Life with Guaranteed Guaranteed Guaranteed Life Period Certain Life with Period Certain Life Period Certain Age Life Only 10 Years Yr. 20 Years Life Yr. Only 10 Years Yr. 20 Years 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 Variable Annuity Rates ------------------------------------------------------------------------------------------------------------ Male at 4% Female at 4% Option 1 Option 2 Option 1 Option 2 Unisex at 4% --------------------------- --------------------------- --------------------------- Life with Life with Life with Guaranteed Guaranteed Guaranteed Life Period Certain Life with Period Certain Life Period Certain Age Life Only 10 Years Yr. 20 Years Life Yr. Only 10 Years Yr. 20 Years Yr. Only 10 Yr. 20 Yr. --- ---- ------ ------ ---- ------ ------ ---- ------ ------ 30 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 4.30 60 4.86 4.81 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 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 90 11.68 8.81 5.98 10.12 8.38 5.96 10.88 8.61 5.97 95 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 3% 4% 3% 4% 3% 4% Fixed Variable Fixed Variable Fixed Variable Female 60 3.91 4.50 4.13 4.72 4.39 4.98 Age 65 3.99 4.58 4.25 4.83 4.54 5.13 70 4.06 4.65 4.36 4.93 4.70 5.27 75 4.12 4.71 4.46 5.03 4.85 5.42 80 4.17 4.75 4.54 5.11 4.98 5.55 85 4.21 4.79 4.60 5.17 5.09 5.66 Primary Annuitant Male Age 75 80 85 3% 4% 3% 4% 3% 4% Fixed Variable Fixed Variable Fixed Variable Female 60 4.69 5.30 5.02 5.65 5.38 6.05 Age 65 4.88 5.48 5.26 5.88 5.67 6.32 70 5.10 5.68 5.55 6.14 6.03 6.65 75 5.32 5.89 5.86 6.44 6.45 7.05 80 5.54 6.10 6.18 6.75 6.91 7.49 85 5.72 6.28 6.49 7.05 7.40 7.96 OPTION 3 — JOINT AND 66 2/3% SURVIVOR LIFE Primary Annuitant Male Age 60 65 70 3% 4% 3% 4% 3% 4% Fixed Variable Fixed Variable Fixed Variable Female 60 3.80 4.39 3.97 4.56 4.16 4.75 Age 65 3.90 4.49 4.12 4.69 4.34 4.92 70 4.00 4.58 4.25 4.83 4.53 5.10 75 4.08 4.66 4.38 4.95 4.72 5.28 80 4.14 4.72 4.48 5.05 4.89 5.45 85 4.19 4.77 4.56 5.13 5.03 5.59 Primary Annuitant Male Age 75 80 85 3% 4% 3% 4% 3% 4% Fixed Variable Fixed Variable Fixed Variable Female 60 4.35 4.95 4.55 5.17 4.76 5.40 Age 65 4.58 5.17 4.83 5.43 5.07 5.70 70 4.84 5.41 5.15 5.73 5.46 6.06 75 5.11 5.67 5.51 6.08 5.92 6.50 80 5.37 5.92 5.90 6.45 6.45 7.01 85 5.61 6.16 6.28 6.83 7.02 7.58 OPTION 3 — JOINT AND 100% SURVIVOR LIFE Primary Annuitant Male Age 60 65 70 3% 4% 3% 4% 3% 4% Fixed Variable Fixed Variable Fixed Variable Female 60 3.60 4.19 3.69 4.27 3.76 4.34 Age 65 3.75 4.32 3.88 4.45 3.99 4.55 70 3.88 4.45 4.06 4.62 4.24 4.79 75 3.99 4.56 4.23 4.79 4.49 5.03 80 4.08 4.65 4.38 4.94 4.72 5.27 85 4.15 4.73 4.50 5.06 4.91 5.46 Primary Annuitant Male Age 75 80 85 3% 4% 3% 4% 3% 4% Fixed Variable Fixed Variable Fixed Variable Female 60 3.81 4.39 3.84 4.43 3.87 4.45 Age 65 4.07 4.64 4.14 4.71 4.18 4.76 70 4.38 4.94 4.50 5.06 4.58 5.14 75 4.72 5.27 4.93 5.47 5.08 5.63 80 5.07 5.61 5.40 5.94 5.68 6.22 85 5.39 5.93 5.89 6.43 6.37 6.90 OPTION 4 — PERIOD CERTAIN ONLY Monthly Monthly Monthly Monthly Income Income Income Income 3% 3% 3% 3% Years Fixed Years Fixed Years Fixed Years Fixed 5 17.91 12 8.24 19 5.73 26 4.59 6 15.14 13 7.71 20 5.51 27 4.47 7 13.16 14 7.26 21 5.32 28 4.37 8 11.68 15 6.87 22 5.15 29 4.27 9 10.53 16 6.53 23 4.99 30 4.18 10 9.61 17 6.23 24 4.84 11 8.86 18 5.96 25 4.71 A Stock Company Pacific Life & Annuity Company l 700 Xxxxxxx Xxxxxx Xxxxx x Xxxxxxx Xxxxx, XX 00000Age
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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 4% per year and the 1983a Annuity Mortality Table with the ages set back ten (10) years. Rates Not Shown — – We will provide rates for any payment frequency, interest rate, Age or sex, combinations thereof, and/or payout percentage for any Annuity Option, if applicable, that we offer if they are not shown in the tables. 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 annuitant. 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 PERIOD CERTAIN OF 10 AND 20 YEARS Fixed Annuity Rates Fixed Annuity Rates Male at 3% Female at 3% Option 1 Option 2 Option 1 Option 2 Life with Period Certain Life with Period Certain Age Life Only 10 Years 20 Years Life Only 10 Years 20 Years 30 3.04 3.03 3.03 2.93 2.93 2.93 35 3.14 3.14 3.13 3.02 3.02 3.01 40 3.28 3.27 3.26 3.13 3.12 3.12 45 3.44 3.44 3.41 3.26 3.26 3.24 50 3.66 3.64 3.60 3.42 3.42 3.40 55 3.93 3.90 3.82 3.63 3.63 3.59 60 4.27 4.22 4.08 3.90 3.89 3.82 65 4.70 4.62 4.39 4.25 4.22 4.11 70 5.28 5.14 4.71 4.72 4.66 4.44 75 6.10 5.81 5.02 5.35 5.22 4.79 80 7.23 6.61 5.27 6.25 5.96 5.12 85 8.82 7.49 5.42 7.56 6.89 5.35 90 11.06 8.33 5.49 9.53 7.89 5.47 95 14.16 8.97 5.51 12.48 8.74 5.50 Variable Annuity Rates Variable Annuity Rates Male at 4% Female at 4% Option 1 Option 2 Option 1 Option 2 Life with Period Certain Life with Period Certain Age Life Only 10 Years 20 Years Life Only 10 Years 20 Years 30 3.69 3.69 3.68 3.60 3.59 3.59 35 3.79 3.78 3.77 3.67 3.67 3.66 40 3.91 3.90 3.88 3.77 3.76 3.75 45 4.06 4.06 4.02 3.89 3.88 3.87 50 4.27 4.25 4.20 4.04 4.03 4.01 55 4.53 4.50 4.40 4.24 4.23 4.18 60 4.86 4.81 4.65 4.50 4.47 4.40 65 5.29 5.20 4.94 4.84 4.86 4.67 70 5.86 5.70 5.24 5.29 5.22 4.98 75 6.68 6.35 5.54 5.92 5.77 5.32 80 7.82 7.14 5.77 6.81 6.50 5.63 85 9.41 8.00 5.91 8.14 7.40 5.85 90 11.68 8.81 5.98 10.12 8.38 5.96 95 14.79 9.43 6.00 13.08 9.21 6.00 OPTION 3 — JOINT AND 50% SURVIVOR LIFE Primary Annuitant Male Age 60 65 70 3% 4% 3% 4% 3% 4% Fixed Variable Fixed Variable Fixed Variable Female 60 3.91 4.50 4.13 4.72 4.39 4.98 Age 65 3.99 4.58 4.25 4.83 4.54 5.13 70 4.06 4.65 4.36 4.93 4.70 5.27 75 4.12 4.71 4.46 5.03 4.85 5.42 80 4.17 4.75 4.54 5.11 4.98 5.55 85 4.21 4.79 4.60 5.17 5.09 5.66 Primary Annuitant Male Age 75 80 85 3% 4% 3% 4% 3% 4% Fixed Variable Fixed Variable Fixed Variable Female 60 4.69 5.30 5.02 5.65 5.38 6.05 Age 65 4.88 5.48 5.26 5.88 5.67 6.32 70 5.10 5.68 5.55 6.14 6.03 6.65 75 5.32 5.89 5.86 6.44 6.45 7.05 80 5.54 6.10 6.18 6.75 6.91 7.49 85 5.72 6.28 6.49 7.05 7.40 7.96 Primary Annuitant Unisex Age 60 65 70 3% 4% 3% 4% 3% 4% Fixed Variable Fixed Variable Fixed Variable Female 60 3.84 4.43 4.07 4.66 4.34 4.93 Age 65 3.90 4.49 4.17 4.75 4.47 5.05 70 3.96 4.54 4.25 4.83 4.60 5.17 75 4.00 4.58 4.32 4.90 4.72 5.28 80 4.03 4.62 4.38 4.95 4.81 5.38 85 4.05 4.64 4.42 4.99 4.88 5.45 Primary Annuitant Unisex Age 75 80 85 3% 4% 3% 4% 3% 4% Fixed Variable Fixed Variable Fixed Variable Female 60 4.65 5.24 5.00 5.61 5.39 6.03 Age 65 4.83 5.41 5.23 5.83 5.68 6.31 70 5.02 5.59 5.49 6.07 6.03 6.63 75 5.20 5.76 5.76 6.33 6.41 6.99 80 5.36 5.92 6.02 6.58 6.81 7.38 85 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 3% 4% 3% 4% 3% 4% Fixed Variable Fixed Variable Fixed Variable Female 60 3.80 4.39 3.97 4.56 4.16 4.75 Age 65 3.90 4.49 4.12 4.69 4.34 4.92 70 4.00 4.58 4.25 4.83 4.53 5.10 75 4.08 4.66 4.38 4.95 4.72 5.28 80 4.14 4.72 4.48 5.05 4.89 5.45 85 4.19 4.77 4.56 5.13 5.03 5.59 Primary Annuitant Male Age 75 80 85 3% 4% 3% 4% 3% 4% Fixed Variable Fixed Variable Fixed Variable Female 60 4.35 4.95 4.55 5.17 4.76 5.40 Age 65 4.58 5.17 4.83 5.43 5.07 5.70 70 4.84 5.41 5.15 5.73 5.46 6.06 75 5.11 5.67 5.51 6.08 5.92 6.50 80 5.37 5.92 5.90 6.45 6.45 7.01 85 5.61 6.16 6.28 6.83 7.02 7.58 OPTION 3 — JOINT AND 100% SURVIVOR LIFE Primary Annuitant Male Age 60 65 70 3% 4% 3% 4% 3% 4% Fixed Variable Fixed Variable Fixed Variable Female 60 3.60 4.19 3.69 4.27 3.76 4.34 Age 65 3.75 4.32 3.88 4.45 3.99 4.55 70 3.88 4.45 4.06 4.62 4.24 4.79 75 3.99 4.56 4.23 4.79 4.49 5.03 80 4.08 4.65 4.38 4.94 4.72 5.27 85 4.15 4.73 4.50 5.06 4.91 5.46 Primary Annuitant Male Age 75 80 85 3% 4% 3% 4% 3% 4% Fixed Variable Fixed Variable Fixed Variable Female 60 3.81 4.39 3.84 4.43 3.87 4.45 Age 65 4.07 4.64 4.14 4.71 4.18 4.76 70 4.38 4.94 4.50 5.06 4.58 5.14 75 4.72 5.27 4.93 5.47 5.08 5.63 80 5.07 5.61 5.40 5.94 5.68 6.22 85 5.39 5.93 5.89 6.43 6.37 6.90 OPTION 4 — PERIOD CERTAIN ONLY Monthly Monthly Monthly Monthly Income Income Income Income 3% 3% 3% 3% Years Fixed Years Fixed Years Fixed Years Fixed 5 17.91 12 8.24 19 5.73 26 4.59 6 15.14 13 7.71 20 5.51 27 4.47 7 13.16 14 7.26 21 5.32 28 4.37 8 11.68 15 6.87 22 5.15 29 4.27 9 10.53 16 6.53 23 4.99 30 4.18 10 9.61 17 6.23 24 4.84 11 8.86 18 5.96 25 4.71 A Stock Company Pacific Life & Annuity Company l 700 Xxxxxxx Xxxxxx Xxxxx x Xxxxxxx Xxxxx, XX 0000000000 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
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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 4% per year and the 1983a Annuity Mortality Table with the ages set back ten (10) years. Rates Not Shown — We will provide rates for any payment frequency, interest rate, Age or sex, combinations thereof, and/or payout percentage for any Annuity Option, if applicable, that we offer if they are not shown in the tables. 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 annuitant. 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. Table of Contents OPTIONS 1 AND 2 LIFE ONLY OR LIFE WITH PERIOD CERTAIN OF 10 AND 20 YEARS Fixed Annuity Rates Fixed Annuity Rates Male at 3% Female at 3% Option 1 Option 2 Option 1 Option 2 Life with Period Certain Life with Period Certain Age Life Only 10 Years 20 Years Life Only 10 Years 20 Years 30 3.04 3.03 3.03 2.93 2.93 2.93 35 3.14 3.14 3.13 3.02 3.02 3.01 40 3.28 3.27 3.26 3.13 3.12 3.12 45 3.44 3.44 3.41 3.26 3.26 3.24 50 3.66 3.64 3.60 3.42 3.42 3.40 55 3.93 3.90 3.82 3.63 3.63 3.59 60 4.27 4.22 4.08 3.90 3.89 3.82 65 4.70 4.62 4.39 4.25 4.22 4.11 70 5.28 5.14 4.71 4.72 4.66 4.44 75 6.10 5.81 5.02 5.35 5.22 4.79 80 7.23 6.61 5.27 6.25 5.96 5.12 85 8.82 7.49 5.42 7.56 6.89 5.35 90 11.06 8.33 5.49 9.53 7.89 5.47 95 14.16 8.97 5.51 12.48 8.74 5.50 Variable Annuity Rates Variable Annuity Rates Male at 4% Female at 4% Option 1 Option 2 Option 1 Option 2 Life with Period Certain Life with Period Certain Age Life Only 10 Years 20 Years Life Only 10 Years 20 Years 30 3.69 3.69 3.68 3.60 3.59 3.59 35 3.79 3.78 3.77 3.67 3.67 3.66 40 3.91 3.90 3.88 3.77 3.76 3.75 45 4.06 4.06 4.02 3.89 3.88 3.87 50 4.27 4.25 4.20 4.04 4.03 4.01 55 4.53 4.50 4.40 4.24 4.23 4.18 60 4.86 4.81 4.65 4.50 4.47 4.40 65 5.29 5.20 4.94 4.84 4.86 4.67 70 5.86 5.70 5.24 5.29 5.22 4.98 75 6.68 6.35 5.54 5.92 5.77 5.32 80 7.82 7.14 5.77 6.81 6.50 5.63 85 9.41 8.00 5.91 8.14 7.40 5.85 90 11.68 8.81 5.98 10.12 8.38 5.96 95 14.79 9.43 6.00 13.08 9.21 6.00 Table of Contents OPTION 3 — JOINT AND 50% SURVIVOR LIFE Primary Annuitant Male Age 60 65 70 3% 4% 3% 4% 3% 4% Fixed Variable Fixed Variable Fixed Variable Female 60 3.91 4.50 4.13 4.72 4.39 4.98 Age 65 3.99 4.58 4.25 4.83 4.54 5.13 70 4.06 4.65 4.36 4.93 4.70 5.27 75 4.12 4.71 4.46 5.03 4.85 5.42 80 4.17 4.75 4.54 5.11 4.98 5.55 85 4.21 4.79 4.60 5.17 5.09 5.66 Primary Annuitant Male Age 75 80 85 3% 4% 3% 4% 3% 4% Fixed Variable Fixed Variable Fixed Variable Female 60 4.69 5.30 5.02 5.65 5.38 6.05 Age 65 4.88 5.48 5.26 5.88 5.67 6.32 70 5.10 5.68 5.55 6.14 6.03 6.65 75 5.32 5.89 5.86 6.44 6.45 7.05 80 5.54 6.10 6.18 6.75 6.91 7.49 85 5.72 6.28 6.49 7.05 7.40 7.96 OPTION 3 — JOINT AND 66 2/3% SURVIVOR LIFE Primary Annuitant Male Age 60 65 70 3% 4% 3% 4% 3% 4% Fixed Variable Fixed Variable Fixed Variable Female 60 3.80 4.39 3.97 4.56 4.16 4.75 Age 65 3.90 4.49 4.12 4.69 4.34 4.92 70 4.00 4.58 4.25 4.83 4.53 5.10 75 4.08 4.66 4.38 4.95 4.72 5.28 80 4.14 4.72 4.48 5.05 4.89 5.45 85 4.19 4.77 4.56 5.13 5.03 5.59 Primary Annuitant Male Age 75 80 85 3% 4% 3% 4% 3% 4% Fixed Variable Fixed Variable Fixed Variable Female 60 4.35 4.95 4.55 5.17 4.76 5.40 Age 65 4.58 5.17 4.83 5.43 5.07 5.70 70 4.84 5.41 5.15 5.73 5.46 6.06 75 5.11 5.67 5.51 6.08 5.92 6.50 80 5.37 5.92 5.90 6.45 6.45 7.01 85 5.61 6.16 6.28 6.83 7.02 7.58 Table of Contents OPTION 3 — JOINT AND 100% SURVIVOR LIFE Primary Annuitant Male Age 60 65 70 3% 4% 3% 4% 3% 4% Fixed Variable Fixed Variable Fixed Variable Female 60 3.60 4.19 3.69 4.27 3.76 4.34 Age 65 3.75 4.32 3.88 4.45 3.99 4.55 70 3.88 4.45 4.06 4.62 4.24 4.79 75 3.99 4.56 4.23 4.79 4.49 5.03 80 4.08 4.65 4.38 4.94 4.72 5.27 85 4.15 4.73 4.50 5.06 4.91 5.46 Primary Annuitant Male Age 75 80 85 3% 4% 3% 4% 3% 4% Fixed Variable Fixed Variable Fixed Variable Female 60 3.81 4.39 3.84 4.43 3.87 4.45 Age 65 4.07 4.64 4.14 4.71 4.18 4.76 70 4.38 4.94 4.50 5.06 4.58 5.14 75 4.72 5.27 4.93 5.47 5.08 5.63 80 5.07 5.61 5.40 5.94 5.68 6.22 85 5.39 5.93 5.89 6.43 6.37 6.90 OPTION 4 — PERIOD CERTAIN ONLY Monthly Monthly Monthly Monthly Income Income Income Income 3% 3% 3% 3% Years Fixed Years Fixed Years Fixed Years Fixed 5 17.91 12 8.24 19 5.73 26 4.59 6 15.14 13 7.71 20 5.51 27 4.47 7 13.16 14 7.26 21 5.32 28 4.37 8 11.68 15 6.87 22 5.15 29 4.27 9 10.53 16 6.53 23 4.99 30 4.18 10 9.61 17 6.23 24 4.84 11 8.86 18 5.96 25 4.71 Table of Contents A Stock Company Pacific Life & Annuity Company l 700 • 000 Xxxxxxx Xxxxxx Xxxxx x Xxxxxxx Xxxxx• Newport Beach, XX 00000CA 92660
Appears in 1 contract
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 4% per year and the 1983a Annuity Mortality Table with the ages set back ten (10) years. A setback of ten (10) years indicates we will assume an age of ten (10) years younger than the actual attained age when calculating the annuitization factor. For example, a 65 year old will have an annuitization factor calculated based on the tabular mortality of a 55 year old, and progress forward a year at a time. The table of annuitization factors included with this contract already reflects a ten (10) year age setback. Rates Not Shown — We will provide rates for any payment frequency, interest rate, Age age or sex, combinations thereof, and/or payout percentage for any Annuity Option, if applicable, that we offer if they are not shown in the tables. 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 annuitant. 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 Fixed Annuity Rates Male at 3% Female at 3% Option 1 Option 2 Option 1 Option 2 Unisex at 3% Life with Life with Life with Guaranteed Guaranteed Guaranteed Life Period Certain Life with Period Certain Life Period Certain Age Life Only 10 Years Yr. 20 Years Life Yr. Only 10 Years Yr. 20 Years 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 Variable Annuity Rates 13.30 8.86 5.51 Variable Annuity Rates Male at 4% Female at 4% Option 1 Option 2 Option 1 Option 2 Unisex at 4% Life with Life with Life with Guaranteed Guaranteed Guaranteed Life Period Certain Life with Period Certain Life Period Certain Age Life Only 10 Years Yr. 20 Years Life Yr. Only 10 Years Yr. 20 Years Yr. Only 10 Yr. 20 Yr. 30 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 4.30 60 4.86 4.81 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 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 90 11.68 8.81 5.98 10.12 8.38 5.96 10.88 8.61 5.97 95 14.79 9.43 6.00 13.08 9.21 6.00 13.92 9.33 6.00 10-2185 27 OPTION 3 — JOINT AND 50% SURVIVOR LIFE Primary Annuitant Male 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 Female Age 60 3.91 4.50 4.13 4.72 4.39 4.98 Age 4.69 5.30 5.02 5.65 5.38 6.05 65 3.99 4.58 4.25 4.83 4.54 5.13 4.88 5.48 5.26 5.88 5.67 6.32 70 4.06 4.65 4.36 4.93 4.70 5.27 5.10 5.68 5.55 6.14 6.03 6.65 75 4.12 4.71 4.46 5.03 4.85 5.42 5.32 5.89 5.86 6.44 6.45 7.05 80 4.17 4.75 4.54 5.11 4.98 5.55 5.54 6.10 6.18 6.75 6.91 7.49 85 4.21 4.79 4.60 5.17 5.09 5.66 5.72 6.28 6.49 7.05 7.40 7.96 Primary Annuitant Male 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 Female Fixed Variable Fixed Variable Fixed Variable Unisex Age 60 4.69 5.30 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 5.65 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 Age 65 4.88 5.48 5.26 5.88 5.67 6.32 70 5.10 5.68 5.55 6.14 6.03 6.65 75 5.32 5.89 5.86 6.44 6.45 7.05 80 5.54 6.10 6.18 6.75 6.91 7.49 85 5.72 6.28 6.49 7.05 7.40 7.96 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 3% 4% 3% 4% 3% 4% 3% 4% 3% 4% 3% 4% Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Female Age 60 3.80 4.39 3.97 4.56 4.16 4.75 Age 4.35 4.95 4.55 5.17 4.76 5.40 65 3.90 4.49 4.12 4.69 4.34 4.92 4.58 5.17 4.83 5.43 5.07 5.70 70 4.00 4.58 4.25 4.83 4.53 5.10 4.84 5.41 5.15 5.73 5.46 6.06 75 4.08 4.66 4.38 4.95 4.72 5.28 5.11 5.67 5.51 6.08 5.92 6.50 80 4.14 4.72 4.48 5.05 4.89 5.45 5.37 5.92 5.90 6.45 6.45 7.01 85 4.19 4.77 4.56 5.13 5.03 5.59 Primary Annuitant Male Age 75 80 85 3% 4% 3% 4% 3% 4% Fixed Variable Fixed Variable Fixed Variable Female 60 4.35 4.95 4.55 5.17 4.76 5.40 Age 65 4.58 5.17 4.83 5.43 5.07 5.70 70 4.84 5.41 5.15 5.73 5.46 6.06 75 5.11 5.67 5.51 6.08 5.92 6.50 80 5.37 5.92 5.90 6.45 6.45 7.01 85 5.61 6.16 6.28 6.83 7.02 7.58 OPTION 3 — JOINT AND 100% SURVIVOR LIFE Primary Annuitant Male 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 Female Age 60 3.60 4.19 3.69 4.27 3.76 4.34 Age 3.81 4.39 3.84 4.43 3.87 4.45 65 3.75 4.32 3.88 4.45 3.99 4.55 4.07 4.64 4.14 4.71 4.18 4.76 70 3.88 4.45 4.06 4.62 4.24 4.79 4.38 4.94 4.50 5.06 4.58 5.14 75 3.99 4.56 4.23 4.79 4.49 5.03 4.72 5.27 4.93 5.47 5.08 5.63 80 4.08 4.65 4.38 4.94 4.72 5.27 5.07 5.61 5.40 5.94 5.68 6.22 85 4.15 4.73 4.50 5.06 4.91 5.46 Primary Annuitant Male Age 75 80 85 3% 4% 3% 4% 3% 4% Fixed Variable Fixed Variable Fixed Variable Female 60 3.81 4.39 3.84 4.43 3.87 4.45 Age 65 4.07 4.64 4.14 4.71 4.18 4.76 70 4.38 4.94 4.50 5.06 4.58 5.14 75 4.72 5.27 4.93 5.47 5.08 5.63 80 5.07 5.61 5.40 5.94 5.68 6.22 85 5.39 5.93 5.89 6.43 6.37 6.90 10-2185 28 OPTION 4 — PERIOD CERTAIN ONLY Monthly Monthly Monthly Monthly Income Income Income Income 3% 3% 3% 34% Years Fixed Years Fixed Years Fixed Years Fixed Variable 5 17.91 17.90 18.32 6 15.13 15.56 7 13.16 13.59 8 11.68 12.12 9 10.53 10.97 10 9.61 10.06 11 8.86 9.31 12 8.24 8.69 13 7.71 8.17 14 7.26 7.72 15 6.87 7.34 16 6.53 7.00 17 6.23 6.71 18 5.96 6.44 19 5.73 6.21 20 5.51 6.00 21 5.32 5.81 22 5.15 5.64 23 4.99 5.49 24 4.84 5.35 25 4.71 5.22 26 4.59 6 15.14 13 7.71 20 5.51 5.10 27 4.47 7 13.16 14 7.26 21 5.32 5.00 28 4.37 8 11.68 15 6.87 22 5.15 4.90 29 4.27 9 10.53 16 6.53 23 4.99 4.80 30 4.18 10 9.61 17 6.23 24 4.84 11 8.86 18 5.96 25 4.71 A Stock Company 4.72 10-2185 Pacific Life & Annuity Company l • [700 Xxxxxxx Xxxxxx Xxxxx x Newport Center Drive • Xxxxxxx Xxxxx, XX 00000]
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 4% per year and the 1983a Annuity Mortality Table with the ages set back ten (10) years. Rates Not Shown — – We will provide rates for any payment frequency, interest rate, Age age or sex, combinations thereof, and/or payout percentage for any Annuity Option, if applicable, that we offer if they are not shown in the tables. 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 annuitant. 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 Fixed Annuity Rates Male at 3% Female at 3% Option 1 Option 2 Option 1 Option 2 Unisex at 3% Life with Life with Life with Guaranteed Guaranteed Guaranteed Life Period Certain Life with Period Certain Life Period Certain Age Life Only 10 Years Yr. 20 Years Life Yr. Only 10 Years Yr. 20 Years 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 Variable Annuity Rates 13.30 8.86 5.51 Variable Annuity Rates Male at 4% Female at 4% Option 1 Option 2 Option 1 Option 2 Unisex at 4% Life with Life with Life with Guaranteed Guaranteed Guaranteed Life Period Certain Life with Period Certain Life Period Certain Age Life Only 10 Years Yr. 20 Years Life Yr. Only 10 Years Yr. 20 Years Yr. Only 10 Yr. 20 Yr. 30 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 4.30 60 4.86 4.81 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 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 90 11.68 8.81 5.98 10.12 8.38 5.96 10.88 8.61 5.97 95 14.79 9.43 6.00 13.08 9.21 6.00 13.92 9.33 6.00 26 OPTION 3 — JOINT AND 50% SURVIVOR LIFE Primary Annuitant Male 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 Female Age 60 3.91 4.50 4.13 4.72 4.39 4.98 Age 4.69 5.30 5.02 5.65 5.38 6.05 65 3.99 4.58 4.25 4.83 4.54 5.13 4.88 5.48 5.26 5.88 5.67 6.32 70 4.06 4.65 4.36 4.93 4.70 5.27 5.10 5.68 5.55 6.14 6.03 6.65 75 4.12 4.71 4.46 5.03 4.85 5.42 5.32 5.89 5.86 6.44 6.45 7.05 80 4.17 4.75 4.54 5.11 4.98 5.55 5.54 6.10 6.18 6.75 6.91 7.49 85 4.21 4.79 4.60 5.17 5.09 5.66 5.72 6.28 6.49 7.05 7.40 7.96 Primary Annuitant Male 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 Female Fixed Variable Fixed Variable Fixed Variable Unisex Age 60 4.69 5.30 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 5.65 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 Age 65 4.88 5.48 5.26 5.88 5.67 6.32 70 5.10 5.68 5.55 6.14 6.03 6.65 75 5.32 5.89 5.86 6.44 6.45 7.05 80 5.54 6.10 6.18 6.75 6.91 7.49 85 5.72 6.28 6.49 7.05 7.40 7.96 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 3% 4% 3% 4% 3% 4% 3% 4% 3% 4% 3% 4% Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Female Age 60 3.80 4.39 3.97 4.56 4.16 4.75 Age 4.35 4.95 4.55 5.17 4.76 5.40 65 3.90 4.49 4.12 4.69 4.34 4.92 4.58 5.17 4.83 5.43 5.07 5.70 70 4.00 4.58 4.25 4.83 4.53 5.10 4.84 5.41 5.15 5.73 5.46 6.06 75 4.08 4.66 4.38 4.95 4.72 5.28 5.11 5.67 5.51 6.08 5.92 6.50 80 4.14 4.72 4.48 5.05 4.89 5.45 5.37 5.92 5.90 6.45 6.45 7.01 85 4.19 4.77 4.56 5.13 5.03 5.59 Primary Annuitant Male Age 75 80 85 3% 4% 3% 4% 3% 4% Fixed Variable Fixed Variable Fixed Variable Female 60 4.35 4.95 4.55 5.17 4.76 5.40 Age 65 4.58 5.17 4.83 5.43 5.07 5.70 70 4.84 5.41 5.15 5.73 5.46 6.06 75 5.11 5.67 5.51 6.08 5.92 6.50 80 5.37 5.92 5.90 6.45 6.45 7.01 85 5.61 6.16 6.28 6.83 7.02 7.58 OPTION 3 — JOINT AND 100% SURVIVOR LIFE Primary Annuitant Male 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 Female Age 60 3.60 4.19 3.69 4.27 3.76 4.34 Age 3.81 4.39 3.84 4.43 3.87 4.45 65 3.75 4.32 3.88 4.45 3.99 4.55 4.07 4.64 4.14 4.71 4.18 4.76 70 3.88 4.45 4.06 4.62 4.24 4.79 4.38 4.94 4.50 5.06 4.58 5.14 75 3.99 4.56 4.23 4.79 4.49 5.03 4.72 5.27 4.93 5.47 5.08 5.63 80 4.08 4.65 4.38 4.94 4.72 5.27 5.07 5.61 5.40 5.94 5.68 6.22 85 4.15 4.73 4.50 5.06 4.91 5.46 Primary Annuitant Male Age 75 80 85 3% 4% 3% 4% 3% 4% Fixed Variable Fixed Variable Fixed Variable Female 60 3.81 4.39 3.84 4.43 3.87 4.45 Age 65 4.07 4.64 4.14 4.71 4.18 4.76 70 4.38 4.94 4.50 5.06 4.58 5.14 75 4.72 5.27 4.93 5.47 5.08 5.63 80 5.07 5.61 5.40 5.94 5.68 6.22 85 5.39 5.93 5.89 6.43 6.37 6.90 27 OPTION 4 — PERIOD CERTAIN ONLY Monthly Monthly Monthly Monthly Income Income Income Income 3% 3% 3% 34% Years Fixed Years Fixed Years Fixed Years Fixed Variable 5 17.91 17.90 18.32 6 15.13 15.56 7 13.16 13.59 8 11.68 12.12 9 10.53 10.97 10 9.61 10.06 11 8.86 9.31 12 8.24 8.69 13 7.71 8.17 14 7.26 7.72 15 6.87 7.34 16 6.53 7.00 17 6.23 6.71 18 5.96 6.44 19 5.73 6.21 20 5.51 6.00 21 5.32 5.81 22 5.15 5.64 23 4.99 5.49 24 4.84 5.35 25 4.71 5.22 26 4.59 6 15.14 13 7.71 20 5.51 5.10 27 4.47 7 13.16 14 7.26 21 5.32 5.00 28 4.37 8 11.68 15 6.87 22 5.15 4.90 29 4.27 9 10.53 16 6.53 23 4.99 4.80 30 4.18 10 9.61 17 6.23 24 4.84 11 8.86 18 5.96 25 4.71 A Stock Company 4.72 28 Pacific Life & Annuity Company l 700 • 000 Xxxxxxx Xxxxxx Xxxxx x • Xxxxxxx Xxxxx, XX 00000
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