N-4
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Aug. 18, 2025
USD ($)
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| Prospectus: |
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| Document Type |
N-4
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| Entity Registrant Name |
SEPARATE ACCOUNT A OF PACIFIC LIFE INSURANCE CO
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| Entity Central Index Key |
0000935823
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| Entity Investment Company Type |
N-4
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| Document Period End Date |
Aug. 18, 2025
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| Amendment Flag |
false
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| Item 3. Key Information [Line Items] |
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| Fees and Expenses [Text Block] |
For Contracts issued on and after September 2, 2025,
the following ONGOING FEES AND EXPENSES section under IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT in the Prospectus
will apply: | Ongoing Fees and Expenses (annual charges) | The table below describes the fees and expenses that you may pay each year, depending on the options you choose. Please refer to your Contract specifications page for information about the specific fees you will pay each year based on the options you have elected. Advisory fees for services provided by your financial professional taken from your Contract Value or other assets and are not reflected in the Annual Fees below. If such fees were reflected, the annual costs of your Contract would be higher. | | | ANNUAL FEES | MINIMUM | MAXIMUM | | | 1. Base Contract | 0.35%1,2 | 0.45%1 | | | 2. Investment Options (Fund fees and expenses) | 0.03%3 | 1.93%3 | | | 3. Optional Benefits (for a single optional benefit, if elected) | 0.15%4 | 1.35%4 | | | Because your Contract is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your Contract, the following table shows the lowest and highest cost you could pay each year based on current charges. | | | Lowest Annual Cost: $457.97 | Highest Annual Cost: $3,316.04 | | | Assumes: ● Investment of $100,000 ● 5% annual appreciation | Assumes: ● Investment of $100,000 ● 5% annual appreciation |
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● Least
expensive combination of base Contract and Fund fees and expenses
● No
optional benefits
● No
sales charges or advisory fees
● No
additional purchase payments, transfers, or withdrawals |
● Most
expensive combination of base Contract, optional benefits, and Fund fees and expenses
● No
sales charges or advisory fees
● No
additional purchase payments, transfers, or withdrawals |
| 1 | As a percentage of the average daily Variable Account Value. This percentage includes the Mortality and Expense Risk Charge and the
Administrative Fee, and the Investment Platform Fee. |
| 2 | The Mortality and Expense Risk Charge for contracts under $500,000 is 0.15%. The Mortality and Expense Risk Charge is reduced by 0.05%
for the upcoming Contract quarter if the Contract Value is between $500,000 and $999,999.99. The Mortality and Expense Risk Charge is
reduced by 0.10% for the upcoming Contract quarter if the Contract Value is equal to or greater than $1,000,000. The Contract Value is
calculated on the later of the Issue Date or most recent Contract Quarterly Anniversary. |
| 3 | As a percentage of Fund assets. |
| 4 | As a percentage of the Protected Payment Base (for an optional living benefit) and average daily Variable Account Value (for an optional
death benefit). |
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| Ongoing Fees and Expenses [Table Text Block] |
| Ongoing Fees and Expenses (annual charges) | The table below describes the fees and expenses that you may pay each year, depending on the options you choose. Please refer to your Contract specifications page for information about the specific fees you will pay each year based on the options you have elected. Advisory fees for services provided by your financial professional taken from your Contract Value or other assets and are not reflected in the Annual Fees below. If such fees were reflected, the annual costs of your Contract would be higher. | | | ANNUAL FEES | MINIMUM | MAXIMUM | | | 1. Base Contract | 0.35%1,2 | 0.45%1 | | | 2. Investment Options (Fund fees and expenses) | 0.03%3 | 1.93%3 | | | 3. Optional Benefits (for a single optional benefit, if elected) | 0.15%4 | 1.35%4 | | | Because your Contract is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your Contract, the following table shows the lowest and highest cost you could pay each year based on current charges. | | | Lowest Annual Cost: $457.97 | Highest Annual Cost: $3,316.04 | | | Assumes: ● Investment of $100,000 ● 5% annual appreciation | Assumes: ● Investment of $100,000 ● 5% annual appreciation |
|
● Least
expensive combination of base Contract and Fund fees and expenses
● No
optional benefits
● No
sales charges or advisory fees
● No
additional purchase payments, transfers, or withdrawals |
● Most
expensive combination of base Contract, optional benefits, and Fund fees and expenses
● No
sales charges or advisory fees
● No
additional purchase payments, transfers, or withdrawals |
| 1 | As a percentage of the average daily Variable Account Value. This percentage includes the Mortality and Expense Risk Charge and the
Administrative Fee, and the Investment Platform Fee. |
| 2 | The Mortality and Expense Risk Charge for contracts under $500,000 is 0.15%. The Mortality and Expense Risk Charge is reduced by 0.05%
for the upcoming Contract quarter if the Contract Value is between $500,000 and $999,999.99. The Mortality and Expense Risk Charge is
reduced by 0.10% for the upcoming Contract quarter if the Contract Value is equal to or greater than $1,000,000. The Contract Value is
calculated on the later of the Issue Date or most recent Contract Quarterly Anniversary. |
| 3 | As a percentage of Fund assets. |
| 4 | As a percentage of the Protected Payment Base (for an optional living benefit) and average daily Variable Account Value (for an optional
death benefit). |
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| Base Contract (of Average Annual Net Assets) (N-4) Minimum [Percent] |
0.35%
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[1],[2] |
| Base Contract (of Average Annual Net Assets) (N-4) Maximum [Percent] |
0.45%
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[1] |
| Investment Options (of Average Annual Net Assets) Minimum [Percent] |
0.03%
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[3] |
| Investment Options (of Average Annual Net Assets) Maximum [Percent] |
1.93%
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[3] |
| Optional Benefits Minimum [Percent] |
0.15%
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[4] |
| Optional Benefits Maximum [Percent] |
1.35%
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[4] |
| Base Contract (N-4) Footnotes [Text Block] |
As a percentage of the average daily Variable Account Value. This percentage includes the Mortality and Expense Risk Charge and the
Administrative Fee, and the Investment Platform Fee.
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| Optional Benefits Footnotes [Text Block] |
As a percentage of the Protected Payment Base (for an optional living benefit) and average daily Variable Account Value (for an optional
death benefit).
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| Investment Options Footnotes [Text Block] |
As a percentage of Fund assets.
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| Lowest and Highest Annual Cost [Table Text Block] |
Lowest Annual Cost: $457.97Highest Annual Cost: $3,316.04 Assumes: ● Investment of $100,000 ● 5% annual appreciation Assumes: ● Investment of $100,000 ● 5% annual appreciation
|
● Least
expensive combination of base Contract and Fund fees and expenses
● No
optional benefits
● No
sales charges or advisory fees
● No
additional purchase payments, transfers, or withdrawals |
● Most
expensive combination of base Contract, optional benefits, and Fund fees and expenses
● No
sales charges or advisory fees
● No
additional purchase payments, transfers, or withdrawals |
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| Lowest Annual Cost [Dollars] |
$ 457.97
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| Highest Annual Cost [Dollars] |
$ 3,316.04
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| Item 4. Fee Table [Line Items] |
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| Item 4. Fee Table [Text Block] |
For Contracts issued on and after September 2, 2025,
the following ANNUAL CONTRACT EXPENSES – Base Contract Expenses section under FEE TABLES in the Prospectus will apply:
| Base Contract Expenses (as a percentage of average daily Variable Account
Value)1 | | 0.45% |
1 As a percentage of the average daily Variable Account Value.
This percentage includes the Mortality and Expense Risk Charge, the Administrative Fee, and the Investment Platform Fee. The Mortality
and Expense Risk Charge percentage may decrease or increase based on your Contract Value. The Mortality and Expense Risk Charge, the Administrative
Fee, and the Investment Platform Fee will stop at the Annuity Date if you select fixed annuity payments. See the Mortality and Expense
Risk Charge and Administrative Fee sections for more information.
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| Annual Contract Expenses [Table Text Block] |
| Base Contract Expenses (as a percentage of average daily Variable Account
Value)1 | | 0.45% |
1 As a percentage of the average daily Variable Account Value.
This percentage includes the Mortality and Expense Risk Charge, the Administrative Fee, and the Investment Platform Fee. The Mortality
and Expense Risk Charge percentage may decrease or increase based on your Contract Value. The Mortality and Expense Risk Charge, the Administrative
Fee, and the Investment Platform Fee will stop at the Annuity Date if you select fixed annuity payments. See the Mortality and Expense
Risk Charge and Administrative Fee sections for more information.
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| Base Contract Expense (of Average Account Value), Current [Percent] |
0.45%
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[5] |
| Base Contract Expense, Footnotes [Text Block] |
As a percentage of the average daily Variable Account Value.
This percentage includes the Mortality and Expense Risk Charge, the Administrative Fee, and the Investment Platform Fee. The Mortality
and Expense Risk Charge percentage may decrease or increase based on your Contract Value. The Mortality and Expense Risk Charge, the Administrative
Fee, and the Investment Platform Fee will stop at the Annuity Date if you select fixed annuity payments. See the Mortality and Expense
Risk Charge and Administrative Fee sections for more information.
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| Mortality And Expense Risk Charge [Member] |
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| Item 4. Fee Table [Line Items] |
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| Other Transaction Fee (of Other Amount), Maximum [Percent] |
0.15%
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