Pacific PremierCare®Choice Multi-Pay 100Whole Life Insurance with Long‐Term Care Benefits1

When Life Happens We Give You Choices, Not Restrictions

1 Policy Form #P17PCH and S17PCH100M or ICC17 P17PCH and ICC17 S17PCH100M, based on state of policy issue. See back cover for certain policy exclusions and limitations. For costs and complete details of the coverage, contact your life insurance producer.

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Pacific Life Insurance Company

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Pay, Lock, and Grow Your Protection for Long-Term CareA thousand steps in a journey. And the hardest step is always the first one. In your journey toward a

comfortable retirement, have you thought about the financial impact of long-term care costs?

When planning for the future, it can be easy to over-complicate your choices and let uncertainty prevent you from taking the first step.

How much easier would it be to begin, if you knew there were potentially no wrong paths?

Pacific PremierCare Choice Multi-Pay 100 with Lockable Benefits can help make it easier to begin building your plan for long-term care protection, one step at a time.

And as life insurance, the product also offers flexible options if you never need long-term care: Death Proceeds paid to policy beneficiaries or a Return of Premium Benefit paid upon policy surrender.2

Investment and Insurance Products: Not a Deposit Not Insured by any Federal Government Agency

Not FDIC Insured No Bank Guarantee May Lose Value

2 Long-term care benefits are reduced by any policy distributions (loans or terminal illness benefit). Death Proceeds and Return of Premium Benefit will also be reduced by policy distributions and long-term care benefits.

2 Long-term care benefits are reduced by any policy distributions (loans or terminal illness benefit). Death Proceeds and Return of Premium Benefit will also be reduced by policy distributions and long-term care benefits.

3 The policy’s guaranteed benefits are Long-Term Care Benefits, Death Proceeds, and the Return of Premium Benefit. Long-term care benefits are reduced by any policy distributions (loans or terminal illness benefit). Death Proceeds and Return of Premium Benefit will also be reduced by policy distributions and long-term care benefits.

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Pacific PremierCare Choice Multi-Pay 100Long-Term Care Protection with Options

Each premium you pay guarantees benefits for long-term care, death proceeds, and return of premium from day one of your policy.3 See page 8 for more information.

PAYLevel premiums over 5 or 10 years

Choice of annual or monthly premiums

LOCK3 GUARANTEES YOU LOCK IN AS YOU PAY2

· Guaranteed Benefits That Grow With Each Premium Paid · Guaranteed Full Protection While Paying Premiums · Guaranteed Return of Premium Benefit

See pages 8-9 for more information.

GROW3% and 5% Inflation Benefit Options to grow your long-term care benefits

See page 8 for more information.

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4 This product is subject to underwriting and approval of the application and may include obtaining records from your physician. No medical exam is required, but a Medical Information Bureau (MIB) and prescription report will be ordered and a Personal History Interview and Cognitive Assessment will be performed via telephone as part of the underwriting process.

5 As long as the premium(s) is paid when due, the long-term care (LTC) coverage as issued will continue as long as the insured lives, or until the policy is surrendered at the owner’s request, or until the maximum LTC benefits have been paid, or until policy lapse. Prior to lapse, the policy provides a Grace Period of 61 days to pay an amount sufficient to keep the policy in force as issued.

Simple Process, Fully Guaranteed Product

Apply With EaseApply in About an Hour, Get a Decision in About a Week

With our streamlined process, it is quick and simple to apply. All that’s required of you is a brief confidential phone interview. Underwriting decisions typically occur within three days of receipt of all required information. For your convenience, Pacific Life Insurance Company orders all requirements, including an Attending Physician Statement for applicants age 50 and older.4

Pay Over TimeChoose a Pace That’s Comfortable for You

Pay level premiums over 5 or 10 years. You may switch between annual or monthly payment frequencies at each policy anniversary, if desired. The ability to pay premiums on a monthly basis is available at no extra cost. Monthly premiums will occur through electronic funds transfer from your bank account for automated ease.5

Long-term care benefits are reduced by any policy distributions (loans or terminal illness benefit). Death Proceeds and Return of Premium Benefit will also be reduced by policy distributions and long-term care benefits.

6 This product is intended to provide federally tax-qualified long-term care insurance as defined in IRC Section 7702B(b). Tax treatment of long-term care benefits may depend on factors such as the amount of benefits in relation to certain IRS limitations (referred to as “per diem” limitations), the amount of qualified expenses incurred or if similar benefits are being received under other contracts. When benefits are received from multiple policies providing long-term care for a given insured, including policies with different owners, those benefits must be aggregated to determine their taxability. Pacific Life cannot determine whether the benefits are taxable. Clients are advised to consult with qualified and independent legal and tax advisors for more information.

7 Benefit Payments for Qualified Long-Term Care (LTC) Services may be subject to a one-time elimination period and are provided by the Accelerated Benefit Rider (ABR) for Long-Term Care (Form # R17ABR or ICC17 R17ABR, R17ABRI or ICC17 R17ABRI) and the Extended Benefit Rider (EBR) for Long-Term Care (Form # R17EBR or ICC17 R17EBR, R17EBRI or ICC17 R17EBRI) (form #s based on state of policy issue and policy elections.) The amount and duration of the policy’s maximum LTC Benefits and premium will be based on policy elections. The actual amount and duration of LTC benefit payments may vary based on policy use. Covered LTC Benefit payments may occur until the total LTC Benefits are exhausted. Your life insurance producer can provide you with additional information on other available options. Coverage durations elected for longer than two years are provided through a combination of the ABR and EBR. Charges for the ABR, EBR, and any Inflation Benefit Option are included in the scheduled premium payment(s).

8 For federal income tax purposes, life insurance death benefits generally pay income tax-free to beneficiaries pursuant to IRC Sec. 101(a)(1). In certain situations, however, life insurance death benefits may be partially or wholly taxable. Situations include, but are not limited to: the transfer of a life insurance policy for valuable consideration unless the transfer qualifies for an exception under IRC Sec. 101(a)(2)(i.e. the transfer-for-value rule); arrangements that lack an insurable interest based on state law; and an employer-owned policy unless the policy qualifies for an exception under IRC Sec. 101(j). Additionally, a portion of the product’s Death Proceeds may be income taxable if the policy was issued as part of an IRC Sec. 1035 income tax-free exchange and/or in certain situations where long-term care benefits were paid out prior to death. Clients should consult with qualified and independent legal and tax advisors.

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3 Guarantees in 1 PolicyEach premium you pay locks in guaranteed benefits from day one of your policy

With Pacific PremierCare Choice Multi-Pay 100, each premium you pay guarantees benefits for long-term care, return of premium, and death proceeds. From day one of the policy. Guaranteed.

Enjoy the journey with the flexibility of up to three policy uses.

If You Need Long-Term Care (LTC)Pays tax-free6 LTC Benefits for qualified services7

Choice of LTC Benefit Durations: 5 to 8 years

Choice of Inflation Benefit Options: Grow LTC Benefits by 3% Simple, 5% Simple, or 5% Compound Interest each year (or no inflation benefit for a level LTC Benefit)

If You Pass AwayTax-free8 death proceeds paid to policy beneficiaries

If You Want Your Money BackSurrender your policy at any time for the Return of Premium Benefit

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Embrace the Power of Leverage

Without insurance, every dollar you earn may pay for just one dollar of long-term care services. With Pacific

PremierCare Choice Multi-Pay 100, each dollar in premium you pay is multiplied for greater protection for

long-term care expenses.

And if you never need long-term care, the policy provides a Return of Premium Benefit or Death Proceeds.

PAYFUND YOUR LTC PLAN OVER 5 OR 10 YEARS

Reposition a poRtion of youR cuRRent income as annual oR monthly fixed pRemium payments

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$1,000/month for 120 months

—OR—$12,000/year for

10 years

Total Premiums Paidover 10 years: $120,000

Day 1 Total LTC Benefits$393,484

($4,073 monthly maximum benefit10)

More than 3.2x Total Premiums for LTC on Day 1

INCREASE FUNDS FOR LONG-TERM CARE (LTC) EXPENSES*

BENEFITS IF YOU NEVER NEED LONG-TERM CARE

Full Money Back Option 100% Return of Premium Benefit*

- OR -

Make the most of your income today for greater long-term care protection when you need it.

* Long-term care benefits are reduced by any policy distributions (loans or terminal illness benefit). Death Proceeds and Return of Premium Benefit will also be reduced by policy distributions and long-term care benefits. Values shown assume no prior distributions of any kind taken and all planned premiums are paid.

Age 80 Total LTC Benefits$906,724

($10,183 monthly maximum benefit10)

More than 7.5x Total Premiums for LTC at Age 80

Death Proceeds Paid to BeneficiariesAmount guaranteed to be at least

the sum of premiums paid*

Hypothetical Example, When All Planned Premiums Are Paid9

9 Hypothetical example based on female, issue age 50, nonsmoker with Couples Discount, 10-year premium period, and 7-year LTC benefit period with 5% Simple Interest Inflation Benefit Option elected at policy issue. Benefits will vary based on elections made at policy issue and at the time of claim. Age 80 benefits assume long-term care benefits begin at age 80. An elimination period may apply before long-term care benefits are available. Request a personalized quote for details.

10 The Monthly Maximum Benefit may be pro-rated based on the actual number of days that the insured is chronically ill or confined to a facility. Where monthly benefit payments are made as reimbursements, the monthly maximum benefit may be limited to the cost of covered long-term care expenses actually incurred, which may be less than the Monthly Maximum Benefit.

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The security to begin comes from knowing each premium you pay guarantees policy benefits from day one.

LOCKA lot can happen over 5 to 10 years. What if you change your mind or need to stop paying premiums? The security to begin a plan for greater long-term care protection comes from knowing each premium you pay guarantees policy benefits from day one. Here’s how it works.

RETURN OF PREMIUMWhat if you change your mind? At any time, you may surrender your policy for the Return of Premium benefit.

GUARANTEED FULL PROTECTIONWhat if you die or need long-term care while still paying premiums? If you need them, your policy’s full benefits for long-term care and death proceeds are available from day one as if you had fully funded the policy. And, while you receive long-term care benefits, no premiums are due and your policy is guaranteed against lapse. To receive this benefit, you must have paid all prior premiums when due.

LOCKABLE BENEFITSWhat if you need to stop paying premiums? Each premium you pay guarantees benefits for Long-Term Care, Death Proceeds, and Return of Premium. Even if no additional premiums are paid. Each subsequent planned premium paid guarantees greater benefits up to the fully-funded amounts.

GROWYour policy’s LTC Benefits will grow each policy anniversary if you choose an inflation benefit option at policy issue. You may choose 5% Compound, 5% Simple, or 3% Simple annual interest. If you do not choose an Inflation Benefit Option, your monthly maximum LTC Benefit will remain level.

3 Guarantees You Lock In As You Pay

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The security to begin comes from knowing each premium you pay guarantees policy benefits from day one.

Each premium you pay guarantees policy benefits from day one.

Here’s how it works.

1RETURN OF PREMIUM

100% Guaranteed Refund of Paid Premiums†

2GUARANTEED FULL PROTECTION

Guaranteed Full Protection While Paying Premiums

3LOCKABLE BENEFITS

Guaranteed Benefits That Grow With Each Premium Paid*

YearTotal Premium

Received

Full Refund of Paid

Premiums†

Total LTC Benefits

Available (beginning of year values)

Monthly Maximum LTC

Benefits‡

(beginning of year values)

Death Proceeds Payable§

(beginning of year values)

Total LTC Benefits

Available(end of

year values)

Monthly Maximum

LTC Benefits‡ (end of year

values)

Death Proceeds Payable§

(end of year values)

1 $12,000 $12,000 $393,484 $4,073 $97,760 $20,533 $213 $13,753

2 $12,000 $24,000 $410,592 $4,277 $97,760 $64,159 $672 $26,557

3 $12,000 $36,000 $427,700 $4,480 $97,760 $120,106 $1,264 $38,470

4 $12,000 $48,000 $444,808 $4,684 $97,760 $184,771 $1,955 $49,551

5 $12,000 $60,000 $461,916 $4,888 $97,760 $239,521 $2,545 $60,000

6 $12,000 $72,000 $479,024 $5,091 $97,760 $297,679 $3,177 $72,000

7 $12,000 $84,000 $496,132 $5,295 $97,760 $359,283 $3,849 $84,000

8 $12,000 $96,000 $513,240 $5,499 $97,760 $424,283 $4,562 $96,000

9 $12,000 $108,000 $530,348 $5,702 $108,000 $492,727 $5,315 $108,000

10 $12,000 $120,000 $547,456 $5,906 $120,000 $564,569 $6,110 $120,000

Pacific PremierCare Choice Multi-Pay 100 values based on female, issue age 50, nonsmoker with Couples Discount. Policy elections: 10-year premium schedule of $12,000 annually, 7-year LTC Benefit duration, and 5% Simple Interest Inflation Benefit Option. Values will vary based on elections made at policy issue and at the time of claim, the premium schedule and amount, and the insured’s age, gender, and couples discount status.

Long-term care benefits are reduced by any policy distributions (loans or terminal illness benefit). Death Proceeds and Return of Premium Benefit will also be reduced by policy distributions and long-term care benefits. Values assume no prior distributions of any kind taken. An elimination period may apply before LTC Benefits are available. Request a personalized quote for details.

If you want your money back at

any time

If you need your policy’s benefits during planned premium period

If you never pay another premium after year shown

* Referred to in the contract as Reduced Paid Up Benefits. † The policyowner is guaranteed to receive at least the Return of Premium Benefit upon policy surrender. ‡ The Monthly Maximum Benefit may be pro-rated based on the actual number of days that the insured is chronically ill or confined to a facility. Where

monthly benefit payments are made as reimbursements, the monthly maximum benefit may be limited to the cost of covered long-term care expenses actually incurred, which may be less than the Monthly Maximum Benefit.

§ Death Proceeds include the Limited Return of Premium on Death and/or the Minimum Death Benefit, if applicable, and thus may vary from year to year. Death Proceeds are guaranteed to never be less than the sum of planned premiums paid, less any prior policy distributions.

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When the time comes, call us for help in getting the care you need.

CONCIERGE-LEVEL CARE COORDINATION SERVICESWhen you buy a Pacific PremierCare Choice Multi-Pay 100 policy, you have access to concierge-level care coordination services at no additional cost. Licensed health care practitioners are available to help guide you through qualifying for benefits, managing your claims, and identifying and planning your qualified long-term care services. We’ll even come to your home to help certify your chronic illness; a requirement of long-term care benefit eligibility.

ACCESSING YOUR LONG-TERM CARE BENEFITSContact our care coordinators or any other licensed health care practitioner for help in certifying that you are unable to perform at least two of the six Activities of Daily Living—bathing, continence, dressing, eating, toileting, and transferring (to and from bed, wheelchairs, etc.)—or are severely cognitively impaired, requiring substantial supervision. To continue your eligibility for benefits, on at least an annual basis, a licensed health care practitioner will need to recertify your written plan of care and continued need for qualified long-term care services.

Covered long-term care services are subject to an elimination period11 and include:

Home and Community Services• Adult Day Care Center• Alternative Care• Care Coordination12

• Caregiver Training• Durable Medical Equipment• Home and Community Care• Home Modification

Facility-Based Services• Assisted Living Facility• Hospice Facility Care• Nursing Home Facility

11 Elimination period is 0 to 90 days, depending on policy elections.12 Pacific Life Insurance Company’s care coordination services are provided at no cost. If you use other care coordination services, payment of such services will be limited to

your policy’s available LTC Benefits.

Pacific Life–The Power to Help You SucceedWhen you buy a life insurance policy from us, you become a voting member of the Pacific Mutual Holding Company, so decisions made in support of our overall financial strength are also made with the policyowners’ best interests in mind.

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When the time comes, call us for help in getting the care you need.

CARE COORDINATION AT NO ADDITIONAL COSTWhere should you go to receive care? How can you coordinate the payments? What’s covered? To assist you in accessing your policy’s long-term care benefits, Pacific Life provides Care Coordination Services at no additional charge. You may choose to use Care Coordination Services outside of Pacific Life’s, but any policy benefits paid out for such services will reduce the total long-term care benefits and will be subject to the maximum monthly benefit amount.

COUPLES DISCOUNTAre you in a state-sanctioned marriage, civil union, or domestic partnership? If so, you will receive a discount on your premiums. This discount does not require both individuals to buy a policy.

RESIDUAL DEATH BENEFITIf the only distributions to occur under your policy are for long-term care benefits, your beneficiaries are guaranteed to receive an amount equal to the lesser of 5% of your initial face amount or $5,000.

Buying life insurance is a long-term commitment. The company you choose matters.“

ICC17 17-VER-72 15-45822-01 1/18 E720

Pacific Life Insurance Company Newport Beach, CA (800) 800-7681 • www.PacificLife.com

Pacific Life Insurance Company is licensed to issue insurance products in all states except New York. Product availability and features may vary by state. 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.

Pacific Life Insurance Company’s individual life insurance products are marketed exclusively through independent third-party life insurance producers, which may include bank affiliated entities. Some selling entities may limit availability of some optional riders based on their client’s age and other factors. Your life insurance producer can help you determine which optional riders are available and appropriate for you.

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This material is not intended to be used, nor can it be used by any taxpayer, for the purpose of avoiding U.S. federal, state or local tax penalties. This material is written to support the promotion or marketing of the transaction(s) or matter(s) addressed by this material. Pacific Life, its affiliates, their distributors, and respective representatives do not provide tax, accounting, or legal advice. Any taxpayer should seek advice based on the taxpayer’s particular circumstances from an independent tax advisor or attorney.

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.

Exclusions, Exceptions, and Limitations: Pacific Life will not pay benefits for care or services: 1) provided by the Insured’s Immediate Family unless he or she is a regular employee of an organization which is providing the treatment, service or care; and the organization receives the payment for the treatment, service or care; 2) for which no charge is normally made in the absence of insurance; 3) provid-ed outside the United States of America; 4) that result from an attempt at suicide (while sane or insane) or an intentionally self-inflicted injury; 5) that result from alcoholism or drug addiction; 6) that result from committing or attempting to commit or participating in a felony, riot or insurrection; 7) provided in a government facility (unless otherwise required by law); 8) for which benefits are available under Medicare (including amounts that would be reimbursable but for the application of a deductible or coinsurance amount) or other governmental program (except Medicaid), any state or federal workers’ compensation, employer’s liability or occupational disease law, or any motor vehicle no-fault law. No benefits will be paid for services received while the Accelerated Benefit Rider (ABR) and the Extended Benefit Riders (EBR) for Long-Term Care are not in effect.

Pre-Existing Conditions Limitation: A pre-existing condition means a condition for which medical advice or treatment was recommended by, or received from, a provider of health care services, within six months of the Policy Date. We will not reduce or deny any claim under this Rider because of a pre-existing condition or disease that is disclosed on the Application. Any loss occurring within six months of the Policy Date with respect to a pre-existing condition or disease not disclosed on the application will not be covered.