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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 investment products.

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 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.

This material may not be used in New York.

Copyright © 2022 Pacific Life, Newport Beach, CA. These materials are
distributed through Pacific Life, Lynchburg, VA (844-276-5759).