0000950123-06-012283 Sample Contracts

Mailing Address: 700 Newport Center Drive • Newport Beach, CA 92660
Annual Renewable And • October 4th, 2006 • Goldman Sachs Group Inc/ • Security brokers, dealers & flotation companies

READ YOUR POLICY CAREFULLY. This is a legal contract between you, the Owner and us, Pacific Life & 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 premiums.

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