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Variable Annuities
Pacific Innovations Select

A Variable Annuity to Help Make the Most of Your Retirement
Contract Form Series, 10-203NY
Pacific Value

A Variable Annuity to Help Jump-Start Your Retirement
Contract Form Series, 10-2100NY
Pacific Voyages

A Variable Annuity to Help Achieve Your Retirement Goals
Contract Form Series, 10-2130
Pacific Odyssey

A Low-Cost Variable Annuity for the Long-Term Investor
Contract Form Series, 10-278NY
Pacific One Select

A Variable Annuity to Help You Enjoy Your Retirement
(Contract Form Series 10-1128)

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Investors should carefully consider a variable annuity’s risks, charges, limitations, and expenses, as well as the risks, charges, expenses, and investment objectives of the underlying investment options. This and other information about Pacific Life & Annuity are provided in the product and underlying fund prospectuses. These prospectuses should be read carefully by clients before investing.

Variable annuities are long-term investments designed for retirement. The value of the variable investment options will fluctuate, and when redeemed, may be worth more or less than the original cost. Withdrawals and other distributions of taxable amounts, including death benefit payouts, will be subject to ordinary income tax. If withdrawals and other distributions are taken prior to age 59˝, a 10% federal tax penalty may apply. A withdrawal charge also may apply. Withdrawals will reduce the value of the death benefit and any optional benefits.

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 company is solely responsible for the financial obligations accruing under the products it issues. Product and rider guarantees are backed by the financial strength and claims-paying ability of the issuing company and do not protect the value of the variable investment options.


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