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Separate Account A of Pacific Life Insurance Co, et al. – ‘485BPOS’ on 10/19/15

On:  Monday, 10/19/15, at 10:52am ET   ·   Effective:  10/20/15   ·   Accession #:  1193125-15-346486   ·   File #s:  333-93059, 811-08946

Previous ‘485BPOS’:  ‘485BPOS’ on 10/19/15   ·   Next:  ‘485BPOS’ on 10/19/15   ·   Latest:  ‘485BPOS’ on 4/19/24   ·   5 References:   By:  Separate Account A of Pacific Life Insurance Co. – ‘485BPOS’ on 4/15/24 By:  Separate Account A of Pacific Life Insurance Co. – ‘485BPOS’ on 4/17/23 By:  Separate Account A of Pacific Life Insurance Co. – ‘485BPOS’ on 4/18/22 By:  Separate Account A of Pacific Life Insurance Co. – ‘485BPOS’ on 10/20/21 By:  Separate Account A of Pacific Life Insurance Co. – ‘485BPOS’ on 4/19/21 

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  As Of                Filer                Filing    For·On·As Docs:Size              Issuer               Agent

10/19/15  Sep Acct A of Pacific Life Ins Co 485BPOS    10/20/15    9:1.0M                                   RR Donnelley/FA
          → Separate Account A of Pacific Life Insurance Co. (811-08946) ⇒ Pacific Innovations (333-93059) — Pacific Innovations Select (333-93059)

Document/Exhibit                   Description                      Pages   Size 

 1: 485BPOS     Innovations & Innovations Select                    HTML    281K 
 2: EX-99.7.(B)  Reinsurance Agreement With Union Hamilton          HTML    356K 
 5: EX-99.8.(AA)(2)  Second Amendment to Support Agreement          HTML     10K 
 8: EX-99.8.(AAA)(2)  Second Amendment to Participation Agreement   HTML     11K 
 9: EX-99.8.(BBB)  Revenue Sharing Agreement With Oppenheimer       HTML     29K 
                          (Amended and Restated)                                 
 6: EX-99.8.(MM)(3)  Third Amendment to Fund Participation and      HTML     17K 
                          Service Agreement                                      
 7: EX-99.8.(SS)(3)  Third Amendment to Supplemental Payment        HTML     11K 
                          Agreement                                              
 3: EX-99.8.(Y)(2)  Second Amendment to Participation Agreement     HTML     11K 
 4: EX-99.8.(Z)(3)  Third Amendment to Administrative Services      HTML     10K 
                          Agreement                                              

As filed with the Securities and Exchange Commission on October 19, 2015.

Registrations Nos. 333-93059

811-08946

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM N-4

REGISTRATION STATEMENT

UNDER

and/or

REGISTRATION STATEMENT

UNDER

(Check appropriate box or boxes)

SEPARATE ACCOUNT A

(Exact Name of Registrant)

PACIFIC LIFE INSURANCE COMPANY

(Name of Depositor)

700 Newport Center Drive

Newport Beach, California 92660

(Address of Depositor’s Principal Executive Offices) (Zip Code)

(949) 219-3943

(Depositor’s Telephone Number, including Area Code)

Brandon J. Cage

Assistant Vice President

Pacific Life Insurance Company

700 Newport Center Drive

Newport Beach, California 92660

(Name and address of agent for service)

Approximate Date of Proposed Public Offering:

It is proposed that this filing will become effective (check appropriate box)

If appropriate, check the following box:

Title of Securities Being Registered: Interests in the Separate Account Under Pacific Innovations and Pacific Innovations Select individual flexible premium deferred variable annuity contracts.

Filing Fee: None

Prospectus

(Included in Registrant's Form N-4, File No. 333-93059, Accession No. 0001193125-15-127162 filed on April 13, 2015 and incorporated by reference herein.)

SAI

(Included in Registrant's Form N-4, File No. 333-93059, Accession No. 0001193125-15-127162 filed on April 13, 2015 and incorporated by reference herein.)

Supplement dated October 20, 2015 to the Prospectus dated May 1, 2015

for the Pacific Innovations variable annuity contract issued by Pacific Life Insurance Company

Capitalized terms used in this supplement are defined in the Contract Prospectus unless otherwise defined herein. “We,” “us,” or “our” refer to Pacific Life Insurance Company; ‘‘you’’ or ‘‘your’’ refer to the Contract Owner.

This supplement must be preceded or accompanied by the Contract Prospectus dated May 1, 2015, as supplemented. Please retain it for future reference.

All changes in this supplement will occur October 30, 2015, unless otherwise noted below.

Starting October 26, 2015, the address used for overnight delivery will change to the following:

Pacific Life Insurance Company

6750 Mercy Road, 4^th Floor, RSD

Omaha, Nebraska 68106

From October 26, 2015 through November 20, 2015, any correspondence (including but not limited to subsequent Purchase Payments, applications and/or other forms, written requests, or questions) mailed, In Proper Form, to the prior overnight address (1299 Farnam Street, 6^th Floor, RSD, Omaha, Nebraska 68102) will be considered received as of the day of receipt and forwarded to the new address set forth above. Beginning November 21, 2015, any correspondence mailed to the prior overnight address will be forwarded to the new overnight address set forth above and will be considered received once it arrives, In Proper Form, at the new overnight address.

The following Investment Options will be available:

For more information on the new Fund portfolios, including a discussion of the investment techniques, charges and expenses, and risks associated with each portfolio’s investments, see the applicable Fund prospectus. You can obtain an applicable Fund prospectus by contacting your financial advisor or online at www.PacificLife.com.

The Subadviser for the Pacific Select Fund Small-Cap Value Portfolio will be changed to the following:

AllianceBernstein L.P.

Effective October 1, 2015, the Adviser for the Fidelity VIP FundsManager^® 60% Portfolio (Service Class 2) changed to the following:

Fidelity Management & Research Co., Inc.

The term Fund under the TERMS USED IN THIS PROSPECTUS section is amended to include the following:

Legg Mason Partners Variable Equity Trust, Neuberger Berman Advisers Management Trust, and Oppenheimer Variable Account Funds.

The second and third bullets of the Transferring Among Investment Options subsection of the OVERVIEW section and the Transfers and Market-timing Restrictions subsection of the HOW YOUR PURCHASE PAYMENTS ARE ALLOCATED section are replaced with the following:

2

The table in the Total Annual Fund Operating Expenses subsection of the OVERVIEW section is replaced with the following:

To help limit Fund expenses, Fund advisers have contractually agreed to reduce investment advisory fees or otherwise reimburse certain Portfolios of their respective Funds which may reduce the Portfolio’s expenses. The range of expenses in the first row above does not include the effect of any waiver and/or expense reimbursement arrangement. The range of expenses in the second row above includes the effect of Fund waiver and/or expense reimbursement arrangements that are in effect. The waiver and/or reimbursement arrangements vary in length. There can be no assurance that Fund expense waivers or reimbursements will be extended beyond their current terms as outlined in each Fund prospectus, and they may not cover certain expenses such as extraordinary expenses. See each Fund prospectus for complete information regarding annual operating expenses and any waivers or reimbursements in effect for a particular Fund.

The table and footnote in the Examples subsection of the OVERVIEW section is replaced with the following:

* In calculating the examples above, we used the maximum and minimum total operating expenses of all the Portfolios as shown in the Fees And Expenses section of each Fund Prospectus. For more information on Contract fees and expenses, see CHARGES, FEES AND DEDUCTIONS in the Contract Prospectus, and see each Fund Prospectus. See the FINANCIAL HIGHLIGHTS (Condensed Financial Information) appendix in the Contract Prospectus for condensed financial information about the Subaccounts.

The Investment Adviser subsection under the YOUR INVESTMENT OPTIONS section is amended to include the following:

Legg Mason Partners Fund Advisor, LLC is the investment manager of the Legg Mason Partners Variable Equity Trust.

Neuberger Berman Management, LLC is the investment adviser of the Neuberger Berman Advisers Management Trust.

OppenheimerFunds, Inc. is the investment adviser of the Oppenheimer Variable Account Funds.

The following Investment Options are added as available Investment Options within the Custom Model program:

3

The following portfolio has been added as an allowable Investment Option under the Investment Allocation Requirements subsection in the OPTIONAL LIVING BENEFIT RIDERS section:

American Funds IS Asset Allocation Fund

The second paragraph of the Service Arrangements subsection under the ADDITIONAL INFORMATION section is amended to include the following:

Legg Mason Investor Services, LLC, pays us for each Legg Mason Partners Variable Equity Trust portfolio (Class II) held by our separate accounts. Neuberger Berman Management LLC pays us for each Neuberger Berman Advisers Management Trust portfolio (Class S) held by our separate accounts. OppenheimerFunds Distributor, Inc. pays us for each Oppenheimer Variable Account Funds portfolio (Service Shares) held by our separate accounts.

Form No.  PISUP1015

Supplement dated October 20, 2015 to the Prospectus dated May 1, 2015

for the Pacific Innovations Select variable annuity contract issued by Pacific Life Insurance Company

Capitalized terms used in this supplement are defined in the Contract Prospectus unless otherwise defined herein. “We,” “us,” or “our” refer to Pacific Life Insurance Company; “you” or “your” refer to the Contract Owner.

This supplement must be preceded or accompanied by the Contract Prospectus dated May 1, 2015, as supplemented. Please retain it for future reference.

All changes in this supplement will occur October 30, 2015, unless otherwise noted below.

Starting October 26, 2015, the address used for overnight delivery will change to the following:

Pacific Life Insurance Company

6750 Mercy Road, 4^th Floor, RSD

Omaha, Nebraska 68106

From October 26, 2015 through November 20, 2015, any correspondence (including but not limited to subsequent Purchase Payments, applications and/or other forms, written requests, or questions) mailed, In Proper Form, to the prior overnight address (1299 Farnam Street, 6^th Floor, RSD, Omaha, Nebraska 68102) will be considered received as of the day of receipt and forwarded to the new address set forth above. Beginning November 21, 2015, any correspondence mailed to the prior overnight address will be forwarded to the new overnight address set forth above and will be considered received once it arrives, In Proper Form, at the new overnight address.

The following Investment Options will be available:

For more information on the new Fund portfolios, including a discussion of the investment techniques, charges and expenses, and risks associated with each portfolio’s investments, see the applicable Fund prospectus. You can obtain an applicable Fund prospectus by contacting your financial advisor or online at www.PacificLife.com.

The Subadviser for the Pacific Select Fund Small-Cap Value Portfolio will be changed to the following:

AllianceBernstein L.P.

Effective October 1, 2015, the Adviser for the Fidelity VIP FundsManager^® 60% Portfolio (Service Class 2) changed to the following:

Fidelity Management & Research Co., Inc.

The term Fund under the TERMS USED IN THIS PROSPECTUS section is amended to include the following:

Legg Mason Partners Variable Equity Trust, Neuberger Berman Advisers Management Trust, and Oppenheimer Variable Account Funds.

The second and third bullets of the Transferring Among Investment Options subsection of the OVERVIEW section and the Transfers and Market-timing Restrictions subsection of the HOW YOUR PURCHASE PAYMENTS ARE ALLOCATED section are replaced with the following:

2

The table in the Total Annual Fund Operating Expenses subsection of the OVERVIEW section is replaced with the following:

To help limit Fund expenses, Fund advisers have contractually agreed to reduce investment advisory fees or otherwise reimburse certain Portfolios of their respective Funds which may reduce the Portfolio’s expenses. The range of expenses in the first row above does not include the effect of any waiver and/or expense reimbursement arrangement. The range of expenses in the second row above includes the effect of Fund waiver and/or expense reimbursement arrangements that are in effect. The waiver and/or reimbursement arrangements vary in length. There can be no assurance that Fund expense waivers or reimbursements will be extended beyond their current terms as outlined in each Fund prospectus, and they may not cover certain expenses such as extraordinary expenses. See each Fund prospectus for complete information regarding annual operating expenses and any waivers or reimbursements in effect for a particular Fund.

The table and footnote in the Examples subsection of the OVERVIEW section is replaced with the following:

* In calculating the examples above, we used the maximum and minimum total operating expenses of all the Portfolios as shown in the Fees And Expenses section of each Fund Prospectus. For more information on Contract fees and expenses, see CHARGES, FEES AND DEDUCTIONS in the Contract Prospectus, and see each Fund Prospectus. See the FINANCIAL HIGHLIGHTS (Condensed Financial Information) appendix in the Contract Prospectus for condensed financial information about the Subaccounts.

The Investment Adviser subsection under the YOUR INVESTMENT OPTIONS section is amended to include the following:

Legg Mason Partners Fund Advisor, LLC is the investment manager of the Legg Mason Partners Variable Equity Trust.

Neuberger Berman Management, LLC is the investment adviser of the Neuberger Berman Advisers Management Trust.

OppenheimerFunds, Inc. is the investment adviser of the Oppenheimer Variable Account Funds.

The following Investment Options are added as available Investment Options within the Custom Model program:

The following portfolio has been added as an allowable Investment Option under the Investment Allocation Requirements subsection in the OPTIONAL LIVING BENEFIT RIDERS section:

American Funds IS Asset Allocation Fund

The second paragraph of the Service Arrangements subsection under the ADDITIONAL INFORMATION section is amended to include the following:

Legg Mason Investor Services, LLC, pays us for each Legg Mason Partners Variable Equity Trust portfolio (Class II) held by our separate accounts. Neuberger Berman Management LLC pays us for each Neuberger Berman Advisers Management Trust portfolio (Class S) held by our separate accounts. OppenheimerFunds Distributor, Inc. pays us for each Oppenheimer Variable Account Funds portfolio (Service Shares) held by our separate accounts.

Form No.  PISSUP1015

PART II

Part C: OTHER INFORMATION

Item 24. Financial Statements and Exhibits

Part A: None

Part B:

Audited Financial Statements dated as of December 31, 2014 and for each of the periods presented which are incorporated by reference from the 2014 Annual Report include the following for Separate Account A:

Statements of Assets and Liabilities

Statements of Operations

Statements of Changes in Net Assets

Notes to Financial Statements

Report of Independent Registered Public Accounting Firm

Audited Consolidated Financial Statements dated as of December 31, 2014 and 2013, and for each of the three years in the period ended December 31, 2014, included in Part B include the following for Pacific Life:

Independent Auditors’ Report

Consolidated Statements of Financial Condition

Consolidated Statements of Operations

Consolidated Statements of Stockholder’s Equity

Consolidated Statements of Cash Flows

Notes to Consolidated Financial Statements

II-1

II-2

II-3

II-4

II-5

II-6

Item 25. Directors and Officers of Pacific Life

The address for each of the persons listed above is as follows:

700 Newport Center Drive

Newport Beach, California 92660

II-7

Item 26. Persons Controlled by or Under Common Control with Pacific Life or Separate Account A.

The following is an explanation of the organization chart of Pacific Life’s subsidiaries:

Pacific Life is a Nebraska Stock Life Insurance Company wholly-owned by Pacific LifeCorp (a Delaware Stock Holding Company), which is, in turn, 100% owned by Pacific Mutual Holding Company (a Nebraska Mutual Insurance Holding Company).

PACIFIC LIFE, SUBSIDIARIES & AFFILIATED ENTERPRISES

LEGAL STRUCTURE

II-8

II-9