VARIABLE INVESTMENT OPTION

OVERVIEW
Total Net Fund Expenses and Similarly Managed Mutual Funds as of 11/1/2017
The funds listed are investment options available within Pacific Life variable annuity products. Summary information only. See the applicable product and
underlying fund prospectuses for more information.

U.S. FIXED INCOME FUNDS

Variable Annuity Fund Name Share Class Net Fund Expense1 Variable Annuity Illustration Date2 Similarly Managed Mutual Fund3 Mutual Fund Ticker
American Funds IS Bond Fund SM 4 0.88% 1/2/1996 The Bond Fund of America ABNDX
American Funds IS High-Income Bond Fund
SM
4 0.99% 2/8/1984 American High-Income Trust
AHITX
American Funds 4 0.86% 3/31/1987 U.S. Government Securities Fund
AMUSX
IS U.S. Govt/AAA-Rated Securities Fund SM
MassMutual
Barings Inflation Strategy i 1.17% 5/1/2006 MIPZX
Premier Inflation-Protected & Income Fund
BlackRock I 0.70% 5/1/2014 None N/A
iShares Dynamic Fixed Income V.I. Fund
Eaton Vance Floating Rate Loan i 0.96% 5/1/2007 Eaton Vance Floating-Rate Fund EVBLX
Fidelity VIP Govt Money Market Portfolio Service 0.35% 4/1/1982 Fidelity Money Market Fund SPRXX
Fidelity VIP Strategic Income Service 2 0.93% 12/23/2003 Fidelity Strategic Income Fund FSICX
Janus Henderson Flexible Bond Service 0.84% 9/13/1993 Janus Flexible Bond Fund JDFAX
Lord Abbett Bond Debenture Portfolio VC VC 0.90% 12/3/2001 Lord Abbett Bond-Debenture Fund LBNDX
Lord Abbett Total Return Portfolio VC VC 0.64% 6/1/2010 Lord Abbett Total Return Fund LTRAX
Pacific Asset Management i 0.80% 5/1/2015 Pacific Funds SM Core Income PLIAX
Core Income
Pacific Asset Management i 0.91% 5/1/2013 Pacific Funds SM Floating Rate Income PLFLX
Floating Rate Income
Pacific Asset Management i 0.66% 1/2/1996 Pacific Funds SM High Income PLAHX
High Yield Bond
PIMCO Inflation Managed i 0.97% 1/2/1996 PIMCO Real Return Fund PRTNX
PIMCO Managed Bond i 0.67% 1/2/1996 PIMCO Total Return Fund PTTAX
T. Rowe Price Short Duration Bond i 0.63% 5/1/2003 T. Rowe Price Short-Term Bond Fund PRWBX
Western Asset Management Diversified Bond i 0.64% 5/1/2006 Western Asset Core Plus Bond Fund WAPAX

Insurance products are issued by Pacific Life Insurance Company in all states except New York and in New York by Pacific Life & Annuity Company.
Product availability and features may vary by state.

No bank guarantee Not a deposit May lose value Not FDIC/NCUA insured Not insured by any federal government agency
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PACIFIC LIFE VARIABLE INVESTMENT OPTION OVERVIEW
Total Net Fund Expenses and Similarly Managed Mutual Funds as of 11/1/2017

NON-U.S. FIXED INCOME FUNDS

Variable Annuity Fund Name Share Class Net Fund Expense1 Variable Annuity Illustration Date2 Similarly Managed Mutual Fund3 Mutual Fund Ticker
American Funds IS Global Bond Fund SM 4 1.07% 10/4/2006 Capital World Bond Fund CWBFX
Ashmore Emerging Markets Debt i 1.16% 5/1/2012 None N/A
Templeton Global Bond VIP Fund 2 0.75% 1/1/1992 Templeton Global Bond Fund TPINX

U.S. EQUITY FUNDS

Variable Annuity Fund Name Share Class Net Fund Expense1 Variable Annuity Illustration Date2 Similarly Managed Mutual Fund3 Mutual Fund Ticker
AB Small-Cap Value i 0.98% 5/1/2003 AB Small Cap Value Portfolio SCAVX
American Century VP Mid Cap Value II 1.00% 10/29/2004 American Century Mid Cap Value ACLAX
American Funds 4 0.91% 7/5/2001 Washington Mutual Investors FundSM AWSHX
IS Blue Chip Income and Growth Fund SM
American Funds IS Growth Fund SM 4 0.85% 3/9/1987 The Growth Fund of America AGTHX
American Funds IS Growth-Income FundSM 4 0.79% 3/9/1987 The Investment Company of America AIVSX
BlackRock Equity Index i 0.28% 1/2/1996 BlackRock S&P 500 Stock Fund BSPAX
BlackRock iShares Equity Appreciation V.I. Fund

I 0.65% 5/1/2014 None N/A
BlackRock Large-Cap Growth i 0.90% 1/2/2001 BlackRock Capital Appreciation Fund MDFGX
BlackRock Small-Cap Index i 0.56% 1/4/1999 BlackRock Small-Cap Index Fund MDSKX
Boston Partners Mid-Cap Value i 0.92% 1/2/2009 John Hancock Disciplined Value Mid Cap JVMAX
ClearBridge Large-Cap Value i 0.83% 1/4/1999 ClearBridge Large-Cap Value Fund SINAX
ClearBridge Variable Aggressive Growth Portfolio II 1.05% 11/1/1999 ClearBridge Aggressive Growth Fund SHRAX
Fidelity VIP Contrafund Service 2 0.88% 1/3/1995 Fidelity Contrafund Fund FCNTX
Franklin Rising Dividends VIP Fund 2 0.87% 1/27/1992 Franklin Rising Dividends Fund FRDPX
Franklin/BlackRock Small-Cap Equity i 0.91% 5/2/2005 None N/A
Invesco Comstock i 0.93% 10/2/2000 Invesco Comstock Fund ACSTX
Waddell & Reed Advisors
Ivy Mid-Cap Growth i 0.90% 1/2/2001 UNECX
New Concepts Fund
Janus Focused Growth i 0.98% 10/2/2000 Janus Forty JDCAX
JPMorgan Long/Short Large-Cap i 2.20% 5/1/2008 JPMorgan U.S. Large Cap Core Plus Fund JLCAX
JPMorgan Value Advantage i 0.89% 5/1/2013 JPMorgan Value Advantage Fund JVAAX
Lord Abbett Developing Growth i 0.83% 4/17/1996 Lord Abbett Developing Growth Fund LAGWX
MFS Growth i 0.78% 1/2/1996 MFS Growth Fund MFEGX
Oppenheimer Main Street Core
i 0.68% 1/2/1996 Oppenheimer Main Street Fund

MSIGX
Scout Investments Mid-Cap Equity i 0.88% 1/4/1999 Scout Mid-Cap Fund UMBMX
T. Rowe Price Dividend Growth i 0.89% 1/3/2000 T. Rowe Price Dividend Growth Fund PRDGX

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PACIFIC LIFE VARIABLE INVESTMENT OPTION OVERVIEW
Total Net Fund Expenses and Similarly Managed Mutual Funds as of 11/1/2017

NON-U.S. EQUITY FUNDS

Variable Annuity Fund Name Share Class Net Fund Expense1 Variable Annuity Illustration Date2 Similarly Managed Mutual Fund3 Mutual Fund Ticker
American Funds IS Global Growth Fund SM 4 1.06% 4/30/1997 New Perspective Fund ANWPX
American Funds

IS Global Growth and Income Fund SM 4 1.13% 5/1/2006 Capital World Growth and Income Fund CWGIX
American Funds
IS Global Small Capitalization FundSM 4 1.24% 4/30/1998 SMALLCAP World Fund SMCWX
American Funds IS International Fund SM 4 1.04% 5/1/1990 EuroPacific Growth Fund AEPGX
American Funds 4 1.18% 11/18/2008 International Growth and Income FundSM IGAAX
IS International Growth and Income FundSM
American Funds IS New World Fund SM 4 1.28% 6/17/1999 New World Fund NEWFX
Franklin Mutual Global Discovery VIP Fund 2 1.26% 11/8/1996 Mutual Global Discovery Fund TEDIX
Lord Abbett International Core Equity Portfolio VC VC 0.87% 6/1/2010 Lord Abbett International Core Equity Fund LICAX
MFS International Large-Cap

i 1.00% 1/3/2000 MFS Institutional International Equity Fund

MIEIX
Oppenheimer Emerging Markets i 1.20% 4/17/1996 Oppenheimer Developing Markets Fund ODMAX
Oppenheimer Global Fund/VA Service 1.02% 11/12/1990 Global Fund OPPAX
Oppenheimer International Growth Fund/VA Service 1.25% 5/13/1992 International Growth Fund OIGAX
QS Investors International Small-Cap i 1.09% 5/1/2006 None N/A
Wellington International Value i 0.90% 1/2/1996 Hartford International Value Fund HILAX

ALTERNATIVE STRATEGIES FUNDS

Variable Annuity Fund Name Share Class Net Fund Expense1 Variable Annuity Illustration Date2 Similarly Managed Mutual Fund3 Mutual Fund Ticker
AQR Equity Long/Short i 1.25% 5/1/2015 AQR Long-Short Equity QLEIX
BlackRock iShares Alternative Strategies V.I. Fund

I 0.99% 5/1/2014 None N/A
Eaton Vance Global Macro Absolute
Eaton Vance Global Absolute Return i 1.13% 10/1/2012 EAGMX
Return Fund
Neuberger Berman Neuberger Berman
1.05% 5/1/2017 NUPAX
U.S. Equity Index PutWrite Strategy Portfolio U.S. Equity Index PutWrite Strategy
PIMCO PIMCO
Advisor 1.28% 6/30/2004 PCRAX
VIT CommodityRealReturn Strategy Portfolio CommodityRealReturn Strategy Fund
PLFA Diversified Alternatives Portfolio i 1.34% 10/30/2015 Pacific Funds SM Diversified Alternatives PLALX
UBS/MCG Currency Strategies i 0.90% 10/1/2012 None N/A
VanEck VIP Global Hard Assets Fund s 1.30% 9/1/1989 VanEck Global Hard Assets Fund GHAAX

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PACIFIC LIFE VARIABLE INVESTMENT OPTION OVERVIEW
Total Net Fund Expenses and Similarly Managed Mutual Funds as of 11/1/2017

SECTOR FUNDS
Variable Annuity Fund Name Share Class Net Fund Expense1 Variable Annuity Illustration Date2 Similarly Managed Mutual Fund3 Mutual Fund Ticker
BlackRock
BlackRock Health Sciences i 1.13% 1/2/2001 SHSAX
Health Sciences Opportunities Portfolio
Invesco V.I. Global Real Estate Fund II 1.26% 3/31/1998 Invesco Global Real Estate Fund AGREX
Ivy VIP Energy VIP 1.19% 5/1/2006 Ivy Energy Fund IEYAX
MFS Technology

i 1.16% 1/2/2001 MFS Technology Fund

MTCAX
MFS Utilities Series

Service 1.03% 1/3/1995 MFS Utilities Fund

MMUFX
Morgan Stanley
Morgan Stanley Real Estate i 1.06% 1/4/1999 MUSDX
Institutional US Real Estate Fund

ASSET ALLOCATION/BALANCED FUNDS

Variable Annuity Fund Name Share Class Net Fund Expense1 Variable Annuity Illustration Date2 Similarly Managed Mutual Fund3 Mutual Fund Ticker
American Funds IS Asset Allocation Fund
SM
4 0.79% 8/1/1989 None N/A
American Funds IS Capital Income Builder FundSM 4 1.04% 5/1/2014 Capital Income Builder CAIBX
American Funds IS Global Balanced FundSM 4 1.24% 5/2/2011 American Funds Global Balanced FundSM GBLAX
American Funds
P2 0.90% 9/28/2012 None N/A
IS Managed Risk Asset Allocation Fund SM
BlackRock Global Allocation V.I. Fund III 0.99% 3/24/1995 BlackRock Global Allocation Fund MDLOX
BlackRock iShares Dynamic Allocation V.I. Fund I 0.76% 5/1/2014 None N/A
DFA Balanced Allocation Portfolio I 0.76% 5/1/2016 None N/A
Fidelity VIP FundsManager 60%
4
Service 2 0.93% 9/1/2007 None N/A
First Trust/
Dorsey Wright Tactical Core Portfolio 1 1.30% 10/30/2015 None N/A
First Trust/Dow Jones I 1.20% 5/1/2012 None N/A
Dividend & Income Allocation Portfolio
First Trust Multi Income Allocation Portfolio I 1.10% 5/1/2014 None N/A
Franklin Templeton
Franklin Founding Funds Allocation VIP Fund 4 1.10% 7/31/2007 FFALX
Founding Funds Allocation Fund
Franklin Income VIP Fund 2 0.71% 5/1/1993 Franklin Income Fund FKINX
Invesco V.I. Balanced-Risk Allocation Fund Series II 1.05% 1/31/2009 Invesco Balanced-Risk Allocation Fund ABRZX
Invesco V.I. Equity and Income Fund Series II 0.83% 4/30/2003 Invesco Equity and Income Fund ACEIX

Eligible for an optional living benefit.

Clients can mix and match eligible investment options and qualify to purchase an optional benefit. Optional living benefits are available to clients as long as the contract value is allocated
according to the investment allocation requirements that the Company has in effect, which are subject to change.

Allowable investment option for optional living benefit riders with a Rider Effective Date before May 1, 2012.
(continued on next page)

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PACIFIC LIFE VARIABLE INVESTMENT OPTION OVERVIEW
Total Net Fund Expenses and Similarly Managed Mutual Funds as of 11/1/2017
ASSET ALLOCATION/BALANCED FUNDS (continued)
Variable Annuity Fund Name Share Class Net Fund Expense1 Variable Annuity Illustration Date2 Similarly Managed Mutual Fund3 Mutual Fund Ticker
Ivy VIP Asset Strategy VIP 1.02% 5/1/1995 Ivy Asset Strategy Fund WASAX
Janus Henderson Balanced Service 0.89% 9/13/1993 Janus Balanced Fund JDBAX
JPMorgan 2 1.29% 12/9/2014 JPMorgan Global Allocation Fund GAOAX
Insurance Trust Global Allocation Portfolio
JPMorgan 2 0.93% 12/9/2014 JPMorgan Income Builder Fund JNBAX
Insurance Trust Income Builder Portfolio
MFS Total Return Series Service 0.88% 1/3/1995 MFS Total Return Fund MSFRX
PLFA Pacific Dynamix Conservative-Growth5 i 0.59% 5/1/2009 None N/A
PLFA Pacific Dynamix Moderate-Growth
5
i 0.59% 5/1/2009 None N/A
PLFA Pacific Dynamix Growth
5
i 0.59% 5/1/2009 None N/A
Pacific FundsSM
PLFA Portfolio Optimization Conservative i 0.88% 5/2/2011 POAAX
Portfolio Optimization Conservative
PLFA Pacific FundsSM
i 0.93% 5/2/2011 POBAX
Portfolio Optimization Moderate-Conservative Portfolio Optimization Mod-Conservative
Pacific FundsSM
PLFA Portfolio Optimization Moderate i 0.99% 5/2/2011 POCAX
Portfolio Optimization Moderate
Pacific FundsSM
PLFA Portfolio Optimization Growth i 1.03% 5/2/2011 PODAX
Portfolio Optimization Growth
PLFA Pacific FundsSM
i 1.06% 5/2/2011 POEAX
Portfolio Optimization Aggressive-Growth Portfolio Optimization Agg-Growth
State Street
State Street Total Return V.I.S. Fund 3 0.86% 7/31/1985 SIIVX
Institutional Strategic Investment Fund

Eligible for an optional living benefit.

Clients can mix and match eligible investment options and qualify to purchase an optional benefit. Optional living benefits are available to clients as long as the contract value is allocated
according to the investment allocation requirements that the Company has in effect, which are subject to change.

Allowable investment option for optional living benefit riders with a Rider Effective Date before May 1, 2012.
Allowable investment option for optional living benefit riders with a Rider Effective Date before January 1, 2009.

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PACIFIC LIFE VARIABLE INVESTMENT OPTION OVERVIEW
Total Net Fund Expenses and Similarly Managed Mutual Funds as of 11/1/2017

Net operating expenses are as of the most recent prospectus date and are subject to change. These expenses are assessed annually as a percentage of each funds average daily net assets.
1

Net operating expenses reflect waivers, reductions, and reimbursements. The table does not reflect expenses and charges that are, or may be, imposed under the variable annuity contract.
2
Variable Annuity Illustration Date refers to the earliest date a hypothetical illustration can be run on the variable annuity portfolio. Variable Annuity Illustrations can be run on the financial
advisors website at www.PacificLife.com.
3
The money managers listed may also offer retail mutual funds. Although some funds may have names or investment goals that resemble retail mutual funds managed by the same money manager,
these funds may not have the same underlying holdings as the retail mutual funds. Fees may vary between the variable annuity investment options and the similarly managed mutual funds.
Investment results may be higher or lower.
4
Fidelity VIP FundsManager 60%: Strategic Advisers, Inc. (Strategic Advisers) has contractually agreed to waive 0.05% of each funds management fee. This arrangement will remain in effect
through April 30, 2018. In addition, Fidelity Management & Research Company (FMR) has contractually agreed to reimburse 0.10% of class-level expenses for Service Class and Service Class 2.
This arrangement will remain in effect for at least one year from the effective date of the prospectus, and will remain in effect thereafter as long as Service Class and Service Class 2 continue to be
sold to unaffiliated insurance companies. If Service Class and Service Class 2 are no longer sold to unaffiliated insurance companies, FMR, in its sole discretion, may discontinue the arrangement
5
PLFA Pacific Dynamix Portfolios: Net expenses reflect a contractual expense cap in place through April 30, 2018. There is no guarantee that expenses will continue to be capped after that
date. Does not include contract level charges. A fund-of-funds involves direct expenses for each fund and indirect expenses for the underlying funds.
The Russell 2000 Index and Russell 2000 Value Index (together, the Indexes) are calculated by Russell or its agent, are trademarks of Frank Russell Company (Russell), and have been licensed for
use by Pacific Select Fund (PSF). Neither Russell nor the London Stock Exchange Group companies (together the Licensor Parties) sponsor, endorse, sell or promote any portfolios of PSF, the
content of this communication, or make any claim, prediction, warranty or representation whatsoever, expressly or impliedly, either as to (i) the results to be obtained from the use of the Indexes, or
(ii) the suitability of the Indexes for the purpose to which they are being put. The Licensor Parties do not and will not provide any financial or investment advice or recommendation in relation to
the Index to Pacific Select Fund or its clients. The Licensor Parties do not accept any liability to any person for any errors or omissions in the Russell Indexes and are under no obligation to advise
any person of any error therein.

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Pacific Life is a product provider. It is not a fiduciary and therefore does not give advice or make recommendations regarding insurance or investment products.
Investors should carefully consider a variable annuitys risks, charges, limitations, and expenses, as well as the risks, charges, expenses, and investment
goals of the underlying investment options. This and other information about Pacific Life are provided in the product and underlying fund prospectuses.
These prospectuses should be read carefully before investing.
Variable annuities are long-term investments designed for retirement. The value of the variable investment options will fluctuate so that shares, when redeemed, may be worth
more or less than the original cost. Annuity withdrawals and other distributions of taxable amounts, including death benefit payouts, will be subject to ordinary income tax. For
nonqualified contracts, an additional 3.8% federal tax may apply on net investment income. If withdrawals and other distributions are taken prior to age 59, an additional 10%
federal tax may apply. A withdrawal charge also may apply. Withdrawals will reduce the contract value and the value of the death benefits, and may reduce any optional benefits.
Under current law, a nonqualified annuity that is owned by an individual is generally entitled to tax deferral. IRAs and qualified planssuch as 401(k)s and 403(b)sare already
taxdeferred. Therefore, a deferred annuity should be used only to fund an IRA or qualified plan to benefit from the annuitys features other than tax deferral. These include
lifetime income and death benefit options.
Pacific Lifes variable annuity products offer a wide variety of variable investment options. Each variable investment option invests in a corresponding portfolio of the American
Century Variable Portfolios, Inc., American Funds Insurance Series, BlackRock Variable Series Funds, Inc., Fidelity Variable Insurance Products Funds, First Trust Variable
Insurance Trust, Franklin Templeton Variable Insurance Products Trust, Invesco Variable Insurance Funds, Ivy Variable Insurance Portfolios, Janus Henderson Series, JPMorgan
Insurance Trust, Legg Mason Partners Variable Equity Trust, Lord Abbett Series Fund, Inc., MFS Variable Insurance Trust, Neuberger Berman Advisers Management Trust,
Oppenheimer Variable Account Funds, Pacific Select Fund, PIMCO Variable Insurance Trust, State Street Variable Insurance Series Funds, Inc. or Van Eck VIP Trust.
American Century Investment Services, Inc., American Funds Distributors, Inc., BlackRock Distributors, Inc., Fidelity Distributors Corporation, First Trust Portfolios, L.P.,
Franklin Templeton Distributors, Inc., Invesco Distributors, Inc., Ivy Distributors, Inc., Janus Distributors LLC, JPMorgan Distribution Services, Inc., Legg Mason Investor
Services, LLC, Lord Abbett Distributor LLC, MFS Fund Distributors, Inc., Neuberger Bergman Management LLC, OppenheimerFunds Distributor, Inc., PIMCO Investments
LLC, State Street Global Markets, LLC, Van Eck Securities Corporation, and the products each distributes are not affiliated with Pacific Life or Pacific Select Distributors, LLC.
Third-party trademarks and service marks are the property of their respective owners.
Pacific Life Fund Advisors LLC (PLFA), a wholly owned subsidiary of Pacific Life Insurance Company, is the investment adviser to the Pacific Select Fund (PSF) and the manager
of certain PSF portfolios. PLFA also does business under the name Pacific Asset Management and manages certain PSF portfolios under that name.
Pacific Life refers to Pacific Life Insurance Company and its affiliates, including Pacific Life & Annuity Company. Insurance products are issued by Pacific Life Insurance Company
in all states except New York and in New York by Pacific Life & Annuity Company. Product availability and features may vary by state. Each insurance company is solely responsible
for the financial obligations accruing under the products it issues. Insurance product and rider guarantees, including optional benefits and any fixed subaccount crediting rates
or annuity payout rates, are backed by the financial strength and claims-paying ability of the issuing insurance company and do not protect the value of the variable investment
options. They are not backed by the broker/dealer from which this annuity is purchased, by the insurance agency from which this annuity is purchased, or any affiliates of
those entities, and none makes any representations or guarantees regarding the claims-paying ability of the issuing insurance company.
Variable insurance products, as well as shares of the Pacific Select Fund, are distributed by Pacific Select Distributors, LLC (member FINRA & SIPC), a subsidiary of
Pacific Life Insurance Company (Newport Beach, CA) and an affiliate of Pacific Life & Annuity Company, and are available through licensed third parties.

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Mailing addresses:
Pacific Life Insurance Company In New York, Pacific Life & Annuity Company
P.O. Box 2378 P.O. Box 2829
Omaha, NE 68103-2378 Omaha, NE 68103-2829
(800) 722-2333 (800) 748-6907
www.PacificLife.com