0000935823 2025-08-18 2025-08-18 0000935823 ck0000935823:MortalityAndExpenseRiskChargeMember 2025-08-18 2025-08-18 pure iso4217:USD 2025-08-18 N-4 0.0035 0.0045 0.0003 0.0193 0.0015 0.0135 457.97 3316.04 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:<table cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="vertical-align: top"> <td style="padding: 3pt 5.75pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid">Ongoing Fees and Expenses (annual charges)</td> <td colspan="3" style="padding: 3pt 5.75pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid">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.</td></tr> <tr style="vertical-align: top"> <td style="padding: 3pt 5.75pt; width: 20%; border-left: Black 1pt solid; border-right: Black 1pt solid"> </td> <td style="padding: 3pt 5.75pt; width: 38%; border-bottom: Black 1pt solid">ANNUAL FEES </td> <td style="border-bottom: Black 1pt solid; padding: 3pt 5.75pt; width: 19%">MINIMUM</td> <td style="border-right: Black 1pt solid; padding: 3pt 5.75pt; width: 23%; border-bottom: Black 1pt solid">MAXIMUM</td></tr> <tr> <td style="padding: 3pt 5.75pt; vertical-align: top; border-right: Black 1pt solid; border-left: Black 1pt solid"> </td> <td style="padding: 3pt 5.75pt">1. Base Contract</td> <td style="padding: 3pt 5.75pt; vertical-align: top">0.35%1,2</td> <td style="padding: 3pt 5.75pt; vertical-align: top; border-right: Black 1pt solid">0.45%1</td></tr> <tr style="vertical-align: top"> <td style="padding: 3pt 5.75pt; border-right: Black 1pt solid; border-left: Black 1pt solid"> </td> <td style="padding: 3pt 5.75pt">2. Investment Options (Fund fees and expenses)</td> <td style="padding: 3pt 5.75pt">0.03%3</td> <td style="padding: 3pt 5.75pt; border-right: Black 1pt solid">1.93%3</td></tr> <tr> <td style="padding: 3pt 5.75pt; vertical-align: top; border-right: Black 1pt solid; border-left: Black 1pt solid"> </td> <td style="padding: 3pt 5.75pt; border-bottom: Black 1pt solid">3. Optional Benefits (for a single optional benefit, if elected)</td> <td style="padding: 3pt 5.75pt; vertical-align: top; border-bottom: Black 1pt solid">0.15%4</td> <td style="padding: 3pt 5.75pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid">1.35%4</td></tr> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 3pt 5.75pt 30pt"> </td> <td colspan="3" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt 5.75pt 30pt">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.</td></tr> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 8pt; padding-right: 5.75pt; padding-left: 5.75pt"> </td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 8pt; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center">Lowest Annual Cost: $457.97</td> <td colspan="2" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 8pt; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center">Highest Annual Cost: $3,316.04</td></tr> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-top: 8pt; padding-right: 5.75pt; padding-left: 5.75pt"> </td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 8pt; padding-right: 5.75pt; padding-left: 5.75pt"> Assumes: ●       Investment of $100,000 ●       5% annual appreciation </td> <td colspan="2" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 8pt; padding-right: 5.75pt; padding-left: 5.75pt"> Assumes: ●       Investment of $100,000 ●       5% annual appreciation </td></tr> </table><table cellpadding="0" style="width: 100%; border-collapse: collapse; font-family: Times New Roman, Times, Serif; border-spacing: 0px;"> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; font-size: 12pt; width: 20%"></td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; width: 38%"> ●       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</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; width: 42%"> ●       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</td></tr> </table><table cellpadding="0" style="font: 8pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; border-spacing: 0px;" width="100%"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">1</td><td>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.</td></tr></table><table cellpadding="0" style="font: 8pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; border-spacing: 0px;" width="100%"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">2</td><td>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.</td></tr></table><table cellpadding="0" style="width: 100%; font: 8pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; border-spacing: 0px;"><tr style="vertical-align: top; text-align: justify"> <td style="width: 0"></td><td style="width: 0.25in; text-align: left">3</td><td style="text-align: justify">As a percentage of Fund assets.</td> </tr></table><table cellpadding="0" style="font: 8pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; border-spacing: 0px;" width="100%"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">4</td><td>As a percentage of the Protected Payment Base (for an optional living benefit) and average daily Variable Account Value (for an optional death benefit).</td></tr></table> <table cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="vertical-align: top"> <td style="padding: 3pt 5.75pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid">Ongoing Fees and Expenses (annual charges)</td> <td colspan="3" style="padding: 3pt 5.75pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid">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.</td></tr> <tr style="vertical-align: top"> <td style="padding: 3pt 5.75pt; width: 20%; border-left: Black 1pt solid; border-right: Black 1pt solid"> </td> <td style="padding: 3pt 5.75pt; width: 38%; border-bottom: Black 1pt solid">ANNUAL FEES </td> <td style="border-bottom: Black 1pt solid; padding: 3pt 5.75pt; width: 19%">MINIMUM</td> <td style="border-right: Black 1pt solid; padding: 3pt 5.75pt; width: 23%; border-bottom: Black 1pt solid">MAXIMUM</td></tr> <tr> <td style="padding: 3pt 5.75pt; vertical-align: top; border-right: Black 1pt solid; border-left: Black 1pt solid"> </td> <td style="padding: 3pt 5.75pt">1. Base Contract</td> <td style="padding: 3pt 5.75pt; vertical-align: top">0.35%1,2</td> <td style="padding: 3pt 5.75pt; vertical-align: top; border-right: Black 1pt solid">0.45%1</td></tr> <tr style="vertical-align: top"> <td style="padding: 3pt 5.75pt; border-right: Black 1pt solid; border-left: Black 1pt solid"> </td> <td style="padding: 3pt 5.75pt">2. Investment Options (Fund fees and expenses)</td> <td style="padding: 3pt 5.75pt">0.03%3</td> <td style="padding: 3pt 5.75pt; border-right: Black 1pt solid">1.93%3</td></tr> <tr> <td style="padding: 3pt 5.75pt; vertical-align: top; border-right: Black 1pt solid; border-left: Black 1pt solid"> </td> <td style="padding: 3pt 5.75pt; border-bottom: Black 1pt solid">3. Optional Benefits (for a single optional benefit, if elected)</td> <td style="padding: 3pt 5.75pt; vertical-align: top; border-bottom: Black 1pt solid">0.15%4</td> <td style="padding: 3pt 5.75pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid">1.35%4</td></tr> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 3pt 5.75pt 30pt"> </td> <td colspan="3" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt 5.75pt 30pt">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.</td></tr> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 8pt; padding-right: 5.75pt; padding-left: 5.75pt"> </td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 8pt; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center">Lowest Annual Cost: $457.97</td> <td colspan="2" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 8pt; padding-right: 5.75pt; padding-left: 5.75pt; text-align: center">Highest Annual Cost: $3,316.04</td></tr> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-top: 8pt; padding-right: 5.75pt; padding-left: 5.75pt"> </td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 8pt; padding-right: 5.75pt; padding-left: 5.75pt"> Assumes: ●       Investment of $100,000 ●       5% annual appreciation </td> <td colspan="2" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 8pt; padding-right: 5.75pt; padding-left: 5.75pt"> Assumes: ●       Investment of $100,000 ●       5% annual appreciation </td></tr> </table><table cellpadding="0" style="width: 100%; border-collapse: collapse; font-family: Times New Roman, Times, Serif; border-spacing: 0px;"> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; font-size: 12pt; width: 20%"></td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; width: 38%"> ●       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</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; width: 42%"> ●       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</td></tr> </table><table cellpadding="0" style="font: 8pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; border-spacing: 0px;" width="100%"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">1</td><td>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.</td></tr></table><table cellpadding="0" style="font: 8pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; border-spacing: 0px;" width="100%"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">2</td><td>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.</td></tr></table><table cellpadding="0" style="width: 100%; font: 8pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; border-spacing: 0px;"><tr style="vertical-align: top; text-align: justify"> <td style="width: 0"></td><td style="width: 0.25in; text-align: left">3</td><td style="text-align: justify">As a percentage of Fund assets.</td> </tr></table><table cellpadding="0" style="font: 8pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; border-spacing: 0px;" width="100%"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">4</td><td>As a percentage of the Protected Payment Base (for an optional living benefit) and average daily Variable Account Value (for an optional death benefit).</td></tr></table> 0.0035 0.0045 0.0003 0.0193 0.0015 0.0135 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 <table cellpadding="0" style="width: 100%; border-collapse: collapse; font-family: Times New Roman, Times, Serif; border-spacing: 0px;"> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; font-size: 12pt; width: 20%"></td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; width: 38%"> ●       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</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; width: 42%"> ●       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</td></tr> </table> 457.97 3316.04 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. 0.0015 As a percentage of Fund assets. As a percentage of the Protected Payment Base (for an optional living benefit) and average daily Variable Account Value (for an optional death benefit). 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: <table cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%; border-spacing: 0px;"><tr style="vertical-align: top; text-align: justify"> <td style="width: 90%">Base Contract Expenses (as a percentage of average daily Variable Account Value)1</td><td style="width: 2%; text-align: left"> </td><td style="text-align: right; width: 8%">0.45%</td> </tr></table> 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. <table cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%; border-spacing: 0px;"><tr style="vertical-align: top; text-align: justify"> <td style="width: 90%">Base Contract Expenses (as a percentage of average daily Variable Account Value)1</td><td style="width: 2%; text-align: left"> </td><td style="text-align: right; width: 8%">0.45%</td> </tr></table>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. 0.0045 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. SEPARATE ACCOUNT A OF PACIFIC LIFE INSURANCE CO N-4 0000935823 false 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. 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. As a percentage of Fund assets. As a percentage of the Protected Payment Base (for an optional living benefit) and average daily Variable Account Value (for an optional death benefit). 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.