National

IndependentMarketing

Organization • 40 Years Supporting Brokers• Specializing in Advanced Designs for

Estate and Business Planning • Industry competition analysts• New business support• Experienced case design support• Training• Life, Disability, LTC, and Annuities

THE POWER TO HELP YOU SUCCEED

For Life Insurance Producer Use Only. Not for Use with the Public. 1 of 12

Life Insurance for Your Clients’ Family, Business, and Estate

MKT12-261A1/2013

EXPERIENCELIFE AT THEPACIFIC

For Life Insurance Producer Use Only. Not for Use with the Public.

A MUTUAL HOLDING COMPANY STRUCTURE …

PROMISES

… allows Pacific Life to take the

LONG-TERM VIEW.… allows Pacific Life to take the

LONG-TERM VIEW.• No publicly traded stock – we operate for

the benefit of our policyowners and clients

For Life Insurance Producer Use Only. Not for Use with the Public. 3 of 12

27 Life insurance products with current

Cost of Insurance (COI) improvements

19 Life insurance products with current

premium load reduced twice

10 Life insurance products added zero

net loan spread

• Zero interest on loan spread on a current basis

7 Products benefiting from a "reduction

in Deferred Acquisition Cost adjustment“

6 Life insurance products received COI

improvements two or more times

4 Life insurance products received an

increase in the persistency credit

1 Life insurance product reduced the

mortality and expense charge

123 IMPROVEMENTS BENEFITING POLICYOWNERS SINCE 1985

1 Life insurance product received a

reduced surrender charge

For Life Insurance Producer Use Only. Not for Use with the Public. 4 of 12

FINANCIAL RATINGS

STRENGTH

RATING AGENCY RATING RANKING

A.M. Best A+(Superior) 2nd of 17 rankings

Standard & Poor’s

AA- (Very Strong) 5th of 21 rankings

Fitch A+ (Strong) 5th of 21 rankings

Moody’s A1 (Good) 5th of 21 rankings

As of 1/2013.For most current ratings, visit www.PacificlLife.com.

RATING AGENCY RATING RANKING

For Life Insurance Producer Use Only. Not for Use with the Public. 5 of 12

30 (60%) of the 50 largest U.S. companies are our clients

52 (52%) of the 100 largest U.S. companies are our clients

182 (36%) of the 500 largest U.S. companies are our clients

Client count as of May 2012 is compiled by Pacific Life using the 2012 FORTUNE 500® list.

PACIFIC LIFE CLIENTS AMONGTHE 500 LARGEST U.S. COMPANIES

For Life Insurance Producer Use Only. Not for Use with the Public. 6 of 12

$116,811 Million

$107,852 Million

Pacific Mutual Holding Company as of 12/31/2011.

$225 BILLION OF INDIVIDUAL LIFE INSURANCE IN FORCE

Policyowner and other liabilities

Company assets

For Life Insurance Producer Use Only. Not for Use with the Public. 7 of 12

COMBINEDSUPPORT

RESOURCES & TOOLS

POLICYOWNER WEBSITE Check policy values Download forms Education center

www.PacificLife.com

ADVANCED DESIGNS Estate, business, and estate

planning support Sales concept evaluation

WEBSITE Sales ideas Product information, advanced

market concepts, applications, and forms

PLANNED PERFORMANCE TRACKING Automated inforce illustrations Policy tracking reports Policy alerts

Lifeline.PacificLife.com

www.champion-agency.com

1-800-274-04333

For Life Insurance Producer Use Only. Not for Use with the Public. 8 of 12

PRODUCTS

SPECTRUM OF DIVERSITYVariable Universal Life (VUL)

• Single life and second to die• 5 indexed accounts and 1 fixed account• High current growth cap and participation rates

Indexed Universal Life (IUL)

• Single life and second die• Single life with long-term care benefit

Universal Life (UL)

• 10 and 20 year level premium• Income term

Term

• Single life and second to die• Wide spectrum of variable investment

options• Lifecycle portfolios• Indexed-based asset allocation portfolios• Specialty funds• Portfolio Optimization portfolios

• Services to reinforce buy/sell discipline

• Dollar Cost Averaging• Charges by Investment Option• First-Year Transfer Program• Fixed Option Interest Sweep

For Life Insurance Producer Use Only. Not for Use with the Public. 9 of 12

Single Life Sales

• #1 UL• #1 IUL • #2 VUL

Joint Life Sales

• #2 IUL• #2 VUL

LIMRA International, 3rd Quarter 2012 Confidential Sales Survey of Participating Life Insurance Companies. Sales rankings for Pacific Life Insurance Company are based on planned recurring premium as measured against 85 participating companies.

SALES RANKINGS

#5 in overall sales

For Life Insurance Producer Use Only. Not for Use with the Public. 10 of 12

PEOPLE

GET TO KNOW US

• Dedicated investment marketing team for VUL• Advanced designs team of attorneys• Industry competition analysts• New business support• Experienced case design support

THE POWER TO HELP YOU SUCCEED

For Life Insurance Producer Use Only. Not for Use with the Public. 11 of 12

COMMITMENTLOOKBEYONDTHE WHALE

For more than 140 years, we have maintained a steady eye on the future while focusing on the

needs of our clients and policyowners.

The Pacific Life Experience

For Life Insurance Producer Use Only. Not for Use with the Public. 12 of 12

Investment and Insurance Products: Not a Deposit – Not FDIC Insured – Not Insured by any Federal Government Agency – No Bank Guarantee –

May Lose Value

Pacific Life Insurance CompanyNewport Beach, CA

(800) 800-7681 * www.PacificLife.com

Pacific Life & Annuity CompanyNewport Beach, CA

(888) 595-6996 * www.PacificLife.com

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 fixed subaccount 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 regardingthe claims-paying ability of the life insurance company.

MKT12-261A For Life Insurance Producer Use Only. Not for Use with the Public. 13 of 12