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For Financial Professional use only. Not for use with the public.

Pacific Life is a product provider. It is not a fiduciary and therefore does not
give advice or make recommendations regarding insurance or investing products.

Pacific Life Insurance Company is licensed to issue insurance products in all
states except New York. Product/material availability and features may vary by
state. Insurance products and their guarantees, including optional benefits and
any crediting rates, are backed by the financial strength and claims-paying
ability of the issuing insurance company. Look to the strength of the life
insurance company with regard to such guarantees as these guarantees are not
backed by the broker-dealer, insurance agency, or their affiliates from which
products are purchased. Neither these entities nor their representatives make
any representation or assurance regarding the claims-paying ability of the life
insurance company.

Copyright © 2023 Pacific Life, Newport Beach, CA. These materials are
distributed through Pacific Life, Lynchburg, VA (844-276-5759).