Common use of READ YOUR POLICY CAREFULLY Clause in Contracts

READ YOUR POLICY CAREFULLY. This is a legal contract between you, the Owner, and us, Pacific Life Insurance Company, a stock insurance company. We agree to pay the benefits of this policy according to its provisions. The consideration for this policy is the application for it, a copy of which is attached, and payment of the initial and subsequent premiums. Premiums are flexible, subject to minimums required to keep the policy In Force. Even if Planned Premiums are paid, it is possible that, due to changes in interest credited, expense loads, Cost of Insurance Rates, and the investment performance of the Variable Accounts, the policy may not continue In Force; that is, it may lapse before any Death Benefit is payable on the death of the Insured. Additionally, loans, withdrawals, and Death Benefit Option changes will affect the length of time the policy stays In Force. FLEXIBLE PREMIUM VARIABLE UNIVERSAL LIFE INSURANCE INSURED: XXXXXX XXXXXXXX SEX AND AGE: MALE 35 RISK CLASS: STANDARD NONSMOKER POLICY NUMBER: VF99999990 TOTAL FACE AMOUNT $50,000 POLICY DATE: May 1, 2011 OWNER: XXXXXX XXXXXXXX P11MVP MVP9 BASE POLICY: FLEXIBLE PREMIUM VARIABLE UNIVERSAL LIFE INSURANCE PREMIUMS: PLANNED ANNUAL PREMIUM = $ 565.85 7-PAY PREMIUM = 3,288.09 GUIDELINE SINGLE PREMIUM = 14,711.54 GUIDELINE LEVEL PREMIUM = 1,284.96 DEATH BENEFIT QUALIFICATION TEST: GUIDELINE PREMIUM TEST DEATH BENEFIT OPTION: [A] [OPTION C DEATH BENEFIT LIMIT: $XX,XXX,XXX] MINIMUM GUARANTEED INTEREST RATE FOR FIXED OPTIONS: 2.50% ANNUALLY. ANY EXCESS INTEREST DECLARED BY US WILL BE GUARANTEED FOR ONE YEAR NET AMOUNT AT RISK FACTOR: 1.0020598 MONTHLY DEDUCTION END DATE: POLICY ANNIVERSARY WHEN THE INSURED ATTAINS AGE 121 MAXIMUM PREMIUM LOAD RATE: 7.95% ADMINISTRATIVE CHARGE PER MONTH: $7.50 TABLE OF SURRENDER CHARGE FACTORS INITIAL AMOUNT: $ 691.20 LEVEL PERIOD: 1 YEAR REDUCTION FACTOR: $ 76.80 SURRENDER CHARGE PERIOD: 10 YEARS P11MVP P11MVP BASIC COVERAGE FACE AMOUNT: $50,000 INSURED: XXXXXX XXXXXXXX SEX AND AGE: MALE 35 RISK CLASS: STANDARD NONSMOKER P11MVP MAXIMUM MONTHLY COST OF INSURANCE RATES PER $1000.00 OF NET AMOUNT AT RISK APPLICABLE TO THIS COVERAGE. P11MVP MAXIMUM MONTHLY COST OF INSURANCE RATES PER $1000.00 OF NET AMOUNT AT RISK APPLICABLE TO THIS COVERAGE. P11MVP P11MVP P11MVP

READ YOUR POLICY CAREFULLY. This It is a legal contract between youyou and The Equitable Life Assurance Society of the United States. /s/ Cxxxxxxxxxx X. Xxxxxxx /s/ Pxxxxxx Xxxxxxx ------------------------------------ --------------------------------------- Cxxxxxxxxxx X. Xxxxxxx Pxxxxxx Xxxxxxx, the OwnerSenior Vice President, Chairman and us, Pacific Life Insurance Company, a stock insurance companyChief Executive Officer Secretary and Associate General Counsel No. We agree 02-100 INSURED PERSON RXXXXXX XXX [GRAPHIC: EQUITABLE LOGO] POLICY OWNER RXXXXXX XXX VARIABLE LIFE POLICY NUMBER XX XXX XXX INSURANCE POLICY -------------------------------------------------------------------------------- DRAFT 2 WE AGREE to pay the benefits Insurance Benefit of this policy according and to provide its other benefits and rights in accordance with its provisions. The consideration for this FLEXIBLE PREMIUM VARIABLE LIFE INSURANCE POLICY This is a flexible premium variable life insurance policy. You can, within limits: o make premium payments at any time and in any amount; o change the death benefit option; o change the allocation of net premiums and deductions among your investment options; and o transfer amounts among your investment options. This policy is guaranteed not to lapse during the application for itfirst five policy years, a copy if premiums are paid in accordance with the no lapse guarantee provision and any outstanding loan and accrued loan interest does not exceed the cash surrender value. All of which is attached, these rights and payment of the initial and subsequent premiums. Premiums benefits are flexible, subject to minimums required the terms and conditions of this policy. All requests for policy changes are subject to keep our approval and may require evidence of insurability. We put your net premiums into your Policy Account. You may allocate them to one or more investment funds of our Separate Account(s) (SA) or to our Guaranteed Interest Account (GIA). The portion of your Policy Account that is in an investment fund of our SA will vary up or down depending on the policy In Force. Even if Planned Premiums are paidunit value of such investment fund, it is possible that, due to changes which in interest credited, expense loads, Cost of Insurance Rates, and turn depends on the investment performance of the Variable Accountssecurities held by that fund. There are no minimum guarantees as to such portion of your Policy Account. The portion of your Policy Account that is in our GIA will accumulate, the policy may after deductions, at rates of interest we determine. Such rates will not continue In Force; that is, it may lapse before any Death Benefit is payable on be less than 3% a year. The amount and duration of the death benefit may be variable or fixed under specified conditions. See the death benefit provision for a description of the Insuredvariable death benefit. Additionally, loans, withdrawals, and Death Benefit Option changes will affect the length of time the policy stays In Force. FLEXIBLE PREMIUM VARIABLE UNIVERSAL LIFE INSURANCE INSURED: XXXXXX XXXXXXXX SEX AND AGE: MALE 35 RISK CLASS: STANDARD NONSMOKER POLICY NUMBER: VF99999990 TOTAL FACE AMOUNT $50,000 POLICY DATE: May 1, 2011 OWNER: XXXXXX XXXXXXXX P11MVP MVP9 BASE POLICY: FLEXIBLE PREMIUM VARIABLE UNIVERSAL LIFE INSURANCE PREMIUMS: PLANNED ANNUAL PREMIUM = $ 565.85 7This is a non-PAY PREMIUM = 3,288.09 GUIDELINE SINGLE PREMIUM = 14,711.54 GUIDELINE LEVEL PREMIUM = 1,284.96 DEATH BENEFIT QUALIFICATION TEST: GUIDELINE PREMIUM TEST DEATH BENEFIT OPTION: [A] [OPTION C DEATH BENEFIT LIMIT: $XX,XXX,XXX] MINIMUM GUARANTEED INTEREST RATE FOR FIXED OPTIONS: 2.50% ANNUALLY. ANY EXCESS INTEREST DECLARED BY US WILL BE GUARANTEED FOR ONE YEAR NET AMOUNT AT RISK FACTOR: 1.0020598 MONTHLY DEDUCTION END DATE: POLICY ANNIVERSARY WHEN THE INSURED ATTAINS AGE 121 MAXIMUM PREMIUM LOAD RATE: 7.95% ADMINISTRATIVE CHARGE PER MONTH: $7.50 TABLE OF SURRENDER CHARGE FACTORS INITIAL AMOUNT: $ 691.20 LEVEL PERIOD: 1 YEAR REDUCTION FACTOR: $ 76.80 SURRENDER CHARGE PERIOD: 10 YEARS P11MVP P11MVP BASIC COVERAGE FACE AMOUNT: $50,000 INSURED: XXXXXX XXXXXXXX SEX AND AGE: MALE 35 RISK CLASS: STANDARD NONSMOKER P11MVP MAXIMUM MONTHLY COST OF INSURANCE RATES PER $1000.00 OF NET AMOUNT AT RISK APPLICABLE TO THIS COVERAGE. P11MVP MAXIMUM MONTHLY COST OF INSURANCE RATES PER $1000.00 OF NET AMOUNT AT RISK APPLICABLE TO THIS COVERAGE. P11MVP P11MVP P11MVPparticipating policy.

READ YOUR POLICY CAREFULLY. This is a legal contract between you, the Owner, and us, Pacific Life Insurance & Annuity Company, a stock insurance company. We agree to pay the benefits of this policy according to its provisions. The consideration for this policy is the application for it, a copy of which is attached, and payment of the initial and subsequent premiums. Premiums are flexible, subject to minimums required to keep the policy In Force. Even if Planned Premiums planned premiums are paid, it is possible thatthat the policy may not continue In Force (that is, it may lapse before the death of the Insured) due to changes in the interest credited, expense loads, Cost of Insurance Ratespolicy charges, and the investment performance of the Variable Accounts, the policy may not continue In Force; that is, it may lapse before any Death Benefit is payable on the death of the Insuredvariable accounts. Additionally, loans, withdrawals, and Death Benefit Option death benefit option changes will may affect the length of time the policy stays In Force. Subject to policy guarantees, we have the right to change the amount of Cost of Insurance or other expense charges deducted under the policy, and the interest credited to the Fixed Options, which may require more premium to be paid than was illustrated or the cash values to be less than those illustrated. FLEXIBLE PREMIUM VARIABLE UNIVERSAL LIFE INSURANCE INSURED: [XXXXXX XXXXXXXX XXXXXXXX] SEX AND AGE: [MALE 35 35] RISK CLASS: [STANDARD NONSMOKER NONSMOKER] POLICY NUMBER: VF99999990 [VF99999990] TOTAL FACE AMOUNT [$50,000 200,000] POLICY DATE: May [NOVEMBER 1, 2011 2008] OWNER: [XXXXXX XXXXXXXX P11MVP MVP9 XXXXXXXX] BASE POLICY: FLEXIBLE PREMIUM VARIABLE UNIVERSAL LIFE INSURANCE PREMIUMS: PLANNED ANNUAL [ANNUAL] PREMIUM = $ 565.85 [$607.91] 7-PAY PREMIUM = 3,288.09 [3,323.59] GUIDELINE SINGLE PREMIUM = 14,711.54 [14,925.63] GUIDELINE LEVEL PREMIUM = 1,284.96 [1,294.00] DEATH BENEFIT QUALIFICATION TEST: [GUIDELINE PREMIUM TEST TEST] (THIS ELECTION IS IRREVOCABLE FOR THE LIFE OF THE CONTRACT) DEATH BENEFIT OPTION: [A] [OPTION C DEATH BENEFIT LIMIT: $XX,XXX,XXX] MINIMUM INTEREST ON THE FIXED OPTIONS AND ON THE LOAN ACCOUNT IS GUARANTEED INTEREST RATE FOR FIXED OPTIONS: TO BE NOT LESS THAN 2.50% ANNUALLY. WE MAY PAY EXCESS INTEREST ON THE FIXED OPTIONS. ANY EXCESS INTEREST RATE DECLARED BY US AT THE BEGINNING OF EACH POLICY YEAR WILL BE GUARANTEED FOR ONE YEAR UNTIL THE END OF THAT YEAR. BEFORE SUCH DECLARATION, EXCESS AMOUNTS ARE NOT GUARANTEED. THERE IS NO EXCESS INTEREST PAID ON THE LOAN ACCOUNT. SUBJECT TO POLICY GUARANTEES, WE HAVE THE RIGHT TO CHANGE THE INTEREST CREDITED TO THE FIXED OPTIONS AND THE COST OF INSURANCE AND OTHER CHARGES DEDUCTED, WHICH MAY REQUIRE MORE PREMIUM TO BE PAID THAN WAS ILLUSTRATED OR THE ACCUMULATED VALUE TO BE LESS THAN WAS ILLUSTRATED. NET AMOUNT AT RISK FACTOR: 1.0020598 MONTHLY DEDUCTION END DATE: POLICY ANNIVERSARY WHEN THE INSURED ATTAINS AGE 121 MAXIMUM PREMIUM LOAD RATE: 7.956.95% ADMINISTRATIVE CHARGE PER MONTH: $7.50 WITHDRAWAL FEE: $25.00 TABLE OF SURRENDER CHARGE FACTORS INITIAL AMOUNT: $ 691.20 [$837.60] LEVEL PERIOD: 1 YEAR [4] YEAR[S] REDUCTION FACTOR: $ 76.80 SURRENDER [$837.60] END YEAR: [5] YEARS (Editor’s Note: 5 years for all combinations except male issue age 85, in which case end year=4) ASSET CHARGE PERIODRATE: 10 YEARS P11MVP P11MVP VARIABLE ACCUMULATED VALUE LESS THAN OR EQUAL TO $25,000: 0.000375 (0.45% ANNUALLY) VARIABLE ACCUMULATED VALUE IN EXCESS OF $25,000: 0.000042 (0.05% ANNUALLY) NOTE: IT IS POSSIBLE THAT COVERAGE WILL LAPSE IF THE ACCUMULATED VALUE IS INSUFFICIENT TO PAY THE CHARGES ASSESSED ON A MONTHLY PAYMENT DATE. BECAUSE THE ACCUMULATED VALUE MAY BE BASED ON THE INVESTMENT RESULTS OF THE VARIABLE ACCOUNTS, THE PAYMENT OF INITIAL AND PLANNED PREMIUMS MAY NOT BE ADEQUATE TO GUARANTEE THAT THE POLICY WILL REMAIN IN FORCE. IF THE POLICY DOES NOT REMAIN IN FORCE, THERE WILL BE NO DEATH BENEFIT OR ACCUMULATED VALUE. P08SE5 BASIC COVERAGE FACE AMOUNT: [$50,000 100,000] INSURED: [XXXXXX XXXXXXXX XXXXXXXX] SEX AND AGE: [MALE 35 35] RISK CLASS: [STANDARD NONSMOKER P11MVP NONSMOKER] [ADDITIONAL COVERAGE FACE AMOUNT: [$50,000] INSURED: [XXXXXX XXXXXXXX] SEX AND AGE: [MALE 35] RISK CLASS: [STANDARD NONSMOKER]] [SVER COVERAGE FACE AMOUNT: [$50,000] INSURED: [XXXXXX XXXXXXXX] SEX AND AGE: [MALE 35] RISK CLASS: [STANDARD NONSMOKER]] [R08WC WAIVER OF CHARGES INSURED: [XXXXXX XXXXXXXX] SEX AND AGE: [MALE 35] RISK CLASS: [STANDARD NONSMOKER] COVERAGE CEASE DATE: NOV 1, 2033]] MAXIMUM MONTHLY COST OF INSURANCE RATES PER $1000.00 1000 OF NET AMOUNT AT RISK APPLICABLE TO THIS COVERAGE. P11MVP MAXIMUM MONTHLY COST OF INSURANCE RATES PER $1000.00 1000 OF NET AMOUNT AT RISK APPLICABLE TO THIS COVERAGE. P11MVP P11MVP P11MVPMAXIMUM MONTHLY COST OF INSURANCE RATES PER $1000 OF NET AMOUNT AT RISK APPLICABLE TO THIS COVERAGE. INSURED: [XXXXXX XXXXXXXX] MAXIMUM MONTHLY COST OF INSURANCE RATES PER $1000 OF NET AMOUNT AT RISK APPLICABLE TO THIS COVERAGE. MAXIMUM MONTHLY COST OF INSURANCE RATES PER $1000 OF NET AMOUNT AT RISK APPLICABLE TO THIS COVERAGE. MAXIMUM MONTHLY COST OF INSURANCE RATES PER $1000 OF NET AMOUNT AT RISK APPLICABLE TO THIS COVERAGE.