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Separate Account A of Pacific Life Insurance Co, et al. – ‘485BPOS’ on 12/18/02

On: Wednesday, 12/18/02, at 5:34pm ET · As of: 12/19/02 · Effective: 12/19/02 · Accession #: 1017062-2-2150 · File #s: 33-88460, 811-08946, -01 · Correction: This Filing was Corrected by the SEC on 4/21/04. `®`

Previous ‘485BPOS’: ‘485BPOS’ on 12/19/02 · Next: ‘485BPOS’ on 12/19/02 · Latest: ‘485BPOS’ on 4/19/24 · 44 References:

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

12/19/02  Sep Acct A of Pacific Life Ins Co 485BPOS®   12/19/02    5:252K                                   Donnelley R R & S… 11/FA
          Separate Account A of Pacific Life Insurance Co

Post-Effective Amendment
Filing Table of Contents

Document/Exhibit                   Description                      Pages   Size 

 1: 485BPOS     Portfolios Post Effective Amendment #16             HTML    167K 
 2: EX-99.4(G)  Individual Retirement Annuity Rider                    8     34K 
 3: EX-99.4(H)  Roth Retirement Annuity Rider                          7     34K 
 4: EX-99.4(I)  Simple Retirement Annuity Rider                        8     34K 
 5: EX-99.4(L)(2)  Enhanced Guaranteed Minimum Death Benefit Rider     4     20K

485BPOS — Portfolios Post Effective Amendment #16

This is an HTML Document rendered as filed. [ Alternative Formats ]

Portfolios Post Effective Amendment #16

As filed with the Securities and Exchange Commission on December 18, 2002

Registration Nos.

33-88460

811-08946

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM N-4

REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933		¨
Pre-Effective Amendment No.		¨
Post-Effective Amendment No. 16		x

and/or

REGISTRATION STATEMENT UNDER THE INVESTMENT COMPANY ACT OF 1940		¨
Amendment No. 62		x

(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) 219-3743

(Depositor’s Telephone Number, including Area Code)

Diane N. Ledger

Vice President

Pacific Life Insurance Company

700 Newport Center Drive

Newport Beach, California 92660

(Name and address of agent for service)

Copies of all communications to:

Diane N. Ledger		Ruth Epstein, Esq.
Pacific Life Insurance Company		Dechert
P.O. Box 9000		1775 Eye Street, N.W.
Newport Beach, CA 92658-9030		Washington, D.C. 20006-2401

Approximate Date of Proposed Public Offering

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

x		immediately upon filing pursuant to paragraph (b) of Rule 485
¨		on ___________ pursuant to paragraph (b) of Rule 485
¨		60 days after filing pursuant to paragraph (a)(1) of Rule 485
¨		on ___________ pursuant to paragraph (a)(1) of Rule 485

If appropriate, check the following box:

this post-effective amendment designates a new effective date for a previously filed post-effective amendment.

Title of Securities Being Registered: Interests in the Separate Account under Pacific Portfolios Variable Annuity individual flexible premium variable annuity contracts.

Filing Fee: None

SEPARATE ACCOUNT A

FORM N-4

CROSS REFERENCE SHEET

PART A

Item No.		Prospectus Heading
1.	Cover Page	Cover Page

2.	Definitions	TERMS USED IN THIS PROSPECTUS

3.	Synopsis	AN OVERVIEW OF PACIFIC PORTFOLIOS

4.	Condensed Financial Information	YOUR INVESTMENT OPTIONS — Variable Investment Option Performance; ADDITIONAL INFORMATION — Financial Statements; FINANCIAL HIGHLIGHTS

5.	General Description of Registrant, Depositor and Portfolio Companies	AN OVERVIEW OF PACIFIC PORTFOLIOS; PACIFIC LIFE AND THE SEPARATE ACCOUNT — Pacific Life, — Separate Account A; YOUR INVESTMENT OPTIONS — Your Variable Investment Options; ADDITIONAL INFORMATION — Voting Rights

6.	Deductions	AN OVERVIEW OF PACIFIC PORTFOLIOS; FEE TABLE; HOW YOUR INVESTMENTS ARE ALLOCATED — Transfers; CHARGES, FEES AND DEDUCTIONS; WITHDRAWALS — Optional Withdrawals

7.	General Description of Variable Annuity Contracts	AN OVERVIEW OF PACIFIC PORTFOLIOS; PURCHASING YOUR CONTRACT — How to Apply for your Contract; HOW YOUR INVESTMENTS ARE ALLOCATED; RETIREMENT BENEFITS AND OTHER PAYOUTS — Choosing Your Annuity Option, — Your Annuity Payments, — Death Benefits; ADDITIONAL INFORMATION — Voting Rights, — Changes to Your Contract, — Changes to ALL Contracts, — Inquiries and Submitting Forms and Requests, — Timing of Payments and Transactions

8.	Annuity Period	RETIREMENT BENEFITS AND OTHER PAYOUTS

9.	Death Benefit	RETIREMENT BENEFITS AND OTHER PAYOUTS — Death Benefits

10.	Purchases and Contract Value	AN OVERVIEW OF PACIFIC PORTFOLIOS; PURCHASING YOUR CONTRACT; HOW YOUR INVESTMENTS ARE ALLOCATED; PACIFIC LIFE AND THE SEPARATE ACCOUNT — Pacific Life; THE GENERAL ACCOUNT — Withdrawals and Transfers

11.	Redemptions	AN OVERVIEW OF PACIFIC PORTFOLIOS; CHARGES, FEES AND DEDUCTIONS; WITHDRAWALS; ADDITIONAL INFORMATION — Timing of Payments and Transactions; THE GENERAL ACCOUNT — Withdrawals and Transfers

12.	Taxes	CHARGES, FEES AND DEDUCTIONS — Premium Taxes; WITHDRAWALS — Optional Withdrawals, — Tax Consequences of Withdrawals; FEDERAL TAX STATUS

13.	Legal Proceedings	Not Applicable

14.	Table of Contents of the Statement of Additional Information	CONTENTS OF THE STATEMENT OF ADDITIONAL INFORMATION

PART B

Item No.		Statement of Additional Information Heading

15.	Cover Page	Cover Page

16.	Table of Contents	TABLE OF CONTENTS

17.	General Information and History	Not Applicable

18.	Services	Not Applicable

19.	Purchase of Securities Being Offered	THE CONTRACTS AND THE SEPARATE ACCOUNT — Calculating Subaccount Unit Values, — Systematic Transfer programs

20.	Underwriters	DISTRIBUTION OF THE CONTRACTS — Pacific Select Distributors, Inc.

21.	Calculation of Performance Data	PERFORMANCE

22.	Annuity Payments	THE CONTRACTS AND THE SEPARATE ACCOUNT — Variable Annuity Payment Amounts

23.	Financial Statements	FINANCIAL STATEMENTS

PART C

Information required to be included in Part C is set forth under the appropriate Item, so numbered, in Part C to this Registration Statement.

Prospectus

(Included in Registrant’s Form N-4/B, File No. 033-88460, Accession No. 0001017062-02-001397 filed on July 19, 2002 and incorporated by reference herein.)

Statement of Additional Information

(Included in Registrant’s Form N-4/B, File No. 033-88460, Accession No. 0001017062-02-001397 filed on July 19, 2002 and incorporated by reference herein.)

Supplement dated December 18, 2002 to the Prospectus dated May 1, 2002

for the Pacific Portfolios, a variable annuity contract

issued by Pacific Life Insurance Company

				Capitalized terms used in this Supplement are defined in the Prospectus referred to above unless otherwise defined herein. “We,” “us”, or “our” refer to Pacific Life Insurance Company; “you” or “your” refer to the Contract Owner. This Supplement restates information contained in Supplements dated August 1, 2002, August 6, 2002 and October 8, 2002, and changes the Prospectus to reflect the following:
The Large-Cap Core Variable Investment Option will change its name and the underlying Portfolio’s main investments will change.				Effective January 1, 2003, the name of the Large-Cap Core Variable Investment Option will be changed to Main Street^® Core Variable Investment Option. This will reflect a change in name of the underlying Large-Cap Core Portfolio. Any reference to the Large-Cap Core Portfolio, Subaccount, or Variable Investment Option throughout the Prospectus and/or Statement of Additional Information will be revised to be the Main Street Core Portfolio, Subaccount, or Variable Investment Option. Effective January 1, 2003, the Main Street^® Core Portfolio’s main investments will be: Equity Securities of large U.S. companies.
The portfolio managers for the Multi-Strategy, Main Street^® Core, and Emerging Markets Portfolios will change.				Effective January 1, 2003, OppenheimerFunds, Inc. will become the portfolio manager of the Multi-Strategy, Main Street Core and Emerging Markets Portfolios.
*AN OVERVIEW OF PACIFIC PORTFOLIOS—Optional Riders* is amended.				The Optional Riders–Guaranteed Protection Advantage (GPA) Rider section is amended to read as follows: The optional Guaranteed Protection Advantage Rider provides for an additional amount that may be added to your Contract Value when an asset allocation program, established and maintained by us for this Rider, is used for a 10-year period (the ‘‘Term’’). The Term begins on the Effective Date of the Rider. Your entire Contract Value must be invested in an asset allocation program during the entire Term for the additional amount to be added to your Contract. If you use our DCA Plus program in conjunction with such an asset allocation program, you will be considered to have met this requirement. The Guaranteed Protection Advantage Rider may not be available. Ask your registered representative about its current availability.

*AN OVERVIEW OF PACIFIC PORTFOLIOS—Pacific Select Fund Annual Expenses* is amended.	The 1st paragraph of the Pacific Select Fund Annual Expenses—Other Expenses section is replaced with the following: The table below shows the advisory fee and Fund expenses as an annual percentage of each Portfolio’s average daily net assets, based on the year 2001 unless otherwise noted. To help limit Fund expenses, Pacific Life has contractually agreed to waive all or part of its investment advisory fees or otherwise reimburse each Portfolio for operating expenses (including organizational expenses, but not including advisory fees, additional costs associated with foreign investing, interest (including commitment fees), taxes, brokerage commissions and other transactional expenses, extraordinary expenses, expenses not incurred in the ordinary course of business, and expenses of counsel or other persons or services retained by the Fund’s independent trustees) that exceed an annual rate of 0.10% of its average daily net assets. Such waiver or reimbursement is subject to repayment to the extent such expenses fall below the 0.10% expense cap in future years. Any amounts repaid to Pacific Life will have the effect of increasing such expenses of the Portfolio, but not above the 0.10% expense cap. There is no guarantee that Pacific Life will continue to cap expenses after December 31, 2003. In 2001, Pacific Life recouped $13,202 from the I-Net Tollkeeper Portfolio for its reimbursements in 2000 under the expense limitation agreement. Information on the Emerging Markets and I-Net Tollkeeper Portfolios in the Other Expenses table is replaced with the following:

	Portfolio	Advisory fee	Other expenses	12b-1 amounts†	Total expenses	Less adviser’s reimbursement	Total net expenses


	Emerging Markets^1,2	1.00	0.22	—	1.22	—	1.22

	I-Net Tollkeeper³	1.25	0.07	—	1.32	—	1.32


	¹ Total adjusted net expenses for this Portfolio, after deduction of an offset for custodian credits and the 12b-1 recapture were 1.21%. ² Effective January 1, 2003, advisory fee is reduced from the annual rate of 1.10% of the average daily net assets to 1.00%. ³ Effective November 1, 2002, advisory fee is reduced from the annual rate of 1.40% of the average daily net assets to 1.25%. † The Fund has a brokerage enhancement 12b-1 plan under which brokerage transactions, subject to best price and execution, may be placed with certain broker-dealers in return for credits, cash or other compensation (“recaptured commissions”). While a Portfolio pays the cost of brokerage when it buys or sells a portfolio security, there are no fees or charges to the Fund under the plan. Recaptured commissions may be used to promote and market Fund shares and the distributor may therefore defray expenses for distribution that it might otherwise incur. The SEC staff requires that the amount of recaptured commissions be shown as an expense in the chart above.
*PURCHASING YOUR CONTRACT—Purchasing the Guaranteed Protection Advantage (GPA) Rider (Optional)* is amended.	Paragraph 2 of the Purchasing the Guaranteed Protection Advantage (GPA) Rider (Optional) section is replaced with the following: If you purchase the Guaranteed Protection Advantage Rider within 60 days after the Contract Date or 30 days after a Contract Anniversary, the Effective Date of the Rider will be that Contract Date or Anniversary. The Rider will remain in effect, unless otherwise terminated, for a 10-year period (the ‘‘Term’’) beginning on the Effective Date of the Rider.

	Paragraph 4 of the Purchasing the Guaranteed Protection Advantage (GPA) Rider (Optional) is amended to read as follows: Guaranteed Protection Amount—The Guaranteed Protection Amount is equal to (a) plus (b) plus (c) minus (d); where: (a) is the Contract Value at the start of the Term, (b) is a percentage of each additional Purchase Payment, as determined from the table below, paid to the Contract during the Term, (c) interest earned on Purchase Payments (or portions thereof) allocated to any of the Guaranteed Interest Options (if available under the Contract) during the Term, (d) is a pro rata adjustment for withdrawals made from the Contract during the Term. The adjustment for each withdrawal is calculated by multiplying the Guaranteed Protection Amount prior to the withdrawal by the ratio of the amount of the withdrawal (including any applicable withdrawal charge) to the Contract Value immediately prior to the withdrawal.

	Number of Years Since Beginning of Term	Percentage of Purchase Payment Added to Guaranteed Protection Amount

	1 through 4	100%
	5	90%
	6	85%
	7	80%
	8 through 10	75%

	For purposes of determining Contract Value at the start of the Term, if the Effective Date of the Rider is the Contract Date, the Contract Value is equal to the initial Purchase Payment. If the Effective Date of the Rider is a Contract Anniversary, the Contract Value is equal to the Contract Value on that Contract Anniversary.
*PURCHASING YOUR CONTRACT—* **Making Your Investments (“Purchase Payments”) is amended.**	Paragraphs 1 and 2 of the Forms of Investment subsection are replaced with the following: Your initial and additional Investments may be sent by personal or bank check or by wire transfer. Investments must be made in a form acceptable to us before we can process it. Acceptable forms of Investments are: • personal check or cashier’s check, drawn on a U.S. bank, • money order, and traveler’s checks in single denominations of $10,000 or more if they originate in a U.S. bank, • third party check, when there is a clear connection of the third party to the underlying transaction, and • wire transfers that originate in U.S. banks. We will not accept Investments in the following forms: • cash, • credit card or checks drawn against a credit card account, • money order or traveler’s checks in single denominations of less than $10,000, • cashier’s check, money orders, traveler’s checks or personal checks drawn on non-U.S. banks, even if the payment may be effected through a U.S. bank, • third party check, if there is not a clear connection of the third party to the underlying transaction, and • wires that originate from foreign bank accounts.

*RETIREMENT BENEFITS AND OTHER PAYOUTS—Death Benefits* is amended.				Paragraphs 1 and 2 of the Optional Premium Death Benefit Rider subsection are replaced with the following: If you purchase the EGMDBR, the Death Benefit Amounts are replaced with the following. For Contracts issued before January 1, 2003, the Death Benefit Amount as of any Business Day before your Annuity Date is equal to the greater of: • your Contract Value as of that day, or • your aggregate Purchase Payments less an adjusted amount for each withdrawal, increased at an effective annual rate of 6% to that day, subject to a maximum of 200% of the resulting difference of your aggregate Purchase Payments less any withdrawals. For Contracts issued on or after January 1, 2003, the Death Benefit Amount as of any Business Day before your Annuity Date is equal to the greater of: • your Contract Value as of that day, or • your aggregate Purchase Payments less an adjusted amount for each withdrawal, increased at an effective annual rate of 5% to that day, subject to a maximum of 200% of the resulting difference of your aggregate Purchase Payments and withdrawals. To calculate the effective annual rate of growth, we take into account the timing of when each Purchase Payment and withdrawal occurred. We do this by multiplying each day’s balance by a daily factor of: • 1.000159654 for Contracts issued before January 1, 2003, or • 1.000133681 for Contracts issued on or after January 1, 2003.
				We stop accruing each effective annual rate of growth as of the earlier of: • the Contract Anniversary following the date the Annuitant reaches his or her 80th birthday, • the date of death of the sole Annuitant, or • the Annuity Date. To determine the adjusted amount for each withdrawal we: • divide the amount of each withdrawal by your Contract Value immediately before that withdrawal, and • then multiply the result by your Death Benefit Amount immediately before that withdrawal.
				The Death Benefit: Death of the Annuitant subsection is amended by adding the following after the 2^nd paragraph: If your Contract is issued before January 1, 2003 with an optional EGMDBR and your sole surviving Annuitant dies before the Annuity Date, we will pay the death benefit proceeds to the first living person in the following order: • Beneficiary, • Contingent Beneficiary, • Owner, or • Contingent Owner. If none are living, we will pay death benefit proceeds to the Owner's Estate.

*THE GENERAL ACCOUNT—Withdrawals and Transfers* is amended.				The 2^nd paragraph of the Fixed Option subsection is replaced with the following: We reserve the right to waive the restrictions that limit transfers from the Fixed Option to one transfer within the 30 days after the end of each Contract Anniversary. We also reserve the right to waive the limitations on the maximum amount you may transfer from the Fixed Option in any given Contract year. We may process requests for transfers from the Fixed Option that are within the maximum number of allowable transfers among the Investment Options each calendar year; i.e. transfers are limited to 25 for each calendar year.
*APPENDIX A: STATE LAW* *VARIATIONS* is amended.				Appendix A: State Law Variations is amended to include the following: For Contracts delivered to residents of Washington: We will charge you an Annual Fee of $30 on each Contract Anniversary prior to the Annuity Date, and at the time you withdraw your entire Net Contract Value, if your Net Contract Value is less than $50,000 on that date.

PART II

Part C: OTHER INFORMATION

Item 24. Financial Statements and Exhibits

(a) Financial Statements

Part A: None

Part B:

(1)

Registrant’s Financial Statements

Audited Financial Statements dated as of December 31, 2001 which are incorporated by reference from the 2001 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

(2)

Depositor’s Financial Statements

Audited Consolidated Financial Statements dated as of December 31, 2001 and 2000, and for the three year period ended December 31, 2001, 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

(b)

Exhibits

1.	(a)	Resolution of the Board of Directors of the Depositor authorizing establishment of Separate Account A and Memorandum establishing Separate Account A.¹

	(b)	Memorandum Establishing Two New Variable Accounts — Aggressive Equity and Emerging Markets Portfolios.¹

	(c)	Resolution of the Board of Directors of Pacific Life Insurance Company authorizing conformity to the terms of the current Bylaws.³

II-1


2.	Not applicable

3.	(a)	Distribution Agreement between Pacific Mutual Life and Pacific Select Distributors, Inc. (“PSD”)¹

	(b)	Form of Selling Agreement between Pacific Mutual Life, PSD and Various Broker-Dealers¹

4.	(a)	Form of Individual Flexible Premium Variable Accumulation Annuity Contract²

	(b)	Qualified Plan Loan Endorsement¹

	(c)	Qualified Pension Plan Rider¹

	(d)	403(b) Tax-Sheltered Annuity Rider¹²

	(e)	Section 457 Plan Rider¹

	(f)	Endorsement for 403(b) Texas Optional Retirement Program (ORP)¹

	(g)	Individual Retirement Annuity Rider (Form No. 20-18900)

	(h)	Roth Individual Retirement Annuity Rider (Form No. 20-19000)

	(i)	SIMPLE Individual Retirement Annuity Rider (Form No. 20-19100)

	(j)	DCA Plus Fixed Option Endorsement (Form No. E-DCA 697)³

	(k)	Guaranteed Minimum Death Benefit Endorsement (Form E-GMDB 398) ³

	(l)	(1)	Enhanced Guaranteed Minimum Death Benefit Rider (Form R-EGMDB 398) ³

	(l)	(2)	Enhanced Guaranteed Minimum Death Benefit Rider (Form 20-18200)

	(m)	Guaranteed Income Advantage (GIA) Rider (Form No. 23-113499) ⁵

	(n)	Guaranteed Earnings Enhancement (EEG) Rider (Form No. 20-14900) ⁹

	(o)	Form of Guaranteed Protection Advantage (GPA) Rider (Form No. 20-16200) ¹¹

	(p)	Qualified Retirement Plan Rider ¹²

	(q)	Guaranteed Protection Advantage (GPA) Rider (Form No. 20-17700)¹³

5.	(a)	Variable Annuity Application. (Form No. 25-12410) ⁸

	(b)	Variable Annuity PAC APP ¹

	(c)	Application/ Confirmation Form ⁶

	(d)	Form of Guaranteed Earnings Enhancement (EEG) Rider Request Application ⁹

	(e)	Guaranteed Protection Advantage (GPA) Rider Request Form (Form No. 2066-2A)¹³

6.	(a)	Pacific Life’s Articles of Incorporation ³

	(b)	By-laws of Pacific Life ³

7.	Not applicable

8.	Fund Participation Agreement ¹⁰

	(a)	Fund Participation Agreement ¹⁰

	(b)	Addendum to Fund Participation Agreement (adding the Strategic Value and Focused 30 Portfolios) ¹⁰

	(c)	Addendum to Fund Participation Agreement (adding nine new Portfolios) ¹⁰

	(d)	Addendum to Fund Participation Agreement (adding the Equity Income and Research Portfolios) ¹²

9.	Opinion and Consent of legal officer of Pacific Mutual Life as to the legality of Contracts being registered.¹

10.		Independent Auditors’ Consent¹²
11.		Not applicable
12.		Not applicable
13.		Performance Calculations ¹²
14.		Not applicable
15.		Powers of Attorney ¹²
16.		Not applicable

Included in Registrant’s Form N-4, File No. 33-88460, Accession No. 0000898430-96-001377 filed on April 19, 1996 and incorporated by reference herein.

Included in Registrant’s Form N-4, File No. 33-88460, Accession No. 0001017062-97-000794 filed on April 30, 1997 and incorporated by reference herein.

Included in Registrant’s Form N-4, File No. 33-88460, Accession No. 0001017062-98-000945 filed on April 29, 1998 and incorporated by reference herein.

⁴

Included in Registrant’s Form N-4, File No. 33-88460, Accession No. 0001017062-99-000659 filed on April 15, 1999 and incorporated by reference.

⁵

Included in Registrant’s Form 497, File No. 33-88460, Accession No. 0001017062-99-001607 filed on September 14, 1999 and incorporated by reference herein.

⁶

Included in Registrant’s Form N-4/B, File No. 33-88460, Accession No. 0001017062-00-000577 filed on February 29, 2000 and incorporated by reference herein.

⁷

Included in Registrant’s Form N-4/B, File No. 33-88460, Accession No. 0001017062-00-000955 filed on April 21, 2000 and incorporated by reference herein.

⁸

Included in Registrant’s Form N-4/B, File No. 33-88460, Accession No. 0001017062-00-000955 filed on December 7, 2000 and incorporated by reference herein.

⁹

Included in Registrant’s Form N-4/A, File No. 33-88460, Accession No. 0001017062-01-000459 filed on March 2, 2001, and incorporated by reference herein.

¹⁰

Included in Registrant’s Form N-4/A, File No. 33-88460, Accession No. 0001017062-01-500083 filed on April 25, 2001 and incorporated by reference herein.

¹¹

Included in Registrant’s Form N-4/A, File No. 33-88460, Accession No. 0000898430-01-503116 filed on October 25, 2001, and incorporated by reference herein.

¹²

Included in Registrant’s Form N-4/B, File No. 33-88460, Accession No. 0001017062-02-000783 filed on April 30, 2002, and incorporated by reference herein.

¹³

Included in Registrant’s Form N-4/B, File No. 033-88460, Accession No. 0001017062-02-001397 filed on July 19, 2002 and incorporated by reference herein.

Item 25. Directors and Officers of Pacific Life

Name and Address		Positions and Offices with Pacific Life
Thomas C. Sutton		Director, Chairman of the Board, and Chief Executive Officer
Glenn S. Schafer		Director and President
Khanh T. Tran		Director, Executive Vice President and Chief Financial Officer
David R. Carmichael		Director, Senior Vice President and General Counsel
Audrey L. Milfs		Director, Vice President and Corporate Secretary
Brian D. Klemens		Vice President and Treasurer

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

700 Newport Center Drive

Newport Beach, California 92660

II-3

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 & Annuity Company’s subsidiaries:

PACIFIC LIFE, SUBSIDIARIES & AFFILIATED

ENTERPRISES LEGAL STRUCTURE

Pacific Life is a California Stock Life Insurance Company wholly-owned y Pacific LifeCorp (a Delaware Stock Holding Company) which is, in turn, 99% owned by Pacific Mutual Holding Company (a California Mutual Holding Company). Pacific Life is the parent company of Pacific Asset Management LLC (a Delaware Limited Liability Company), Pacific Life & Annuity Company (an Arizona Stock Life Insurance Company), Pacific Select Distributors, Inc., and World-Wide Holdings Limited (a United Kingdom Corporation). Pacific Life also has a 50% ownership of Pacific Mezzanine Associates, L.L.C. (a Delaware Limited Liability Company). A subsidiary of Pacific Mezzanine Associates, L.L.C. is Pacific Mezzanine Investors, L.L.C., (a Delaware Limited Liability Company) who is the sole general partner of the PMI Mezzanine Fund, L.P. (a Delaware Limited Partnership). Subsidiaries of Pacific Asset Management LLC owns PMRealty Advisors Inc. and Pacific Financial Products Inc. (a Delaware Corporation) and has a non-managing membership interest in Allianz-PacLife Partners LLC ( a Delaware Limited Liability Company), Pacific Financial Products, Inc. and Allianz-PacLife Partners LLC own the Class E units of PIMCO Advisors L.P. (a Delaware Limited Partnership). Subsidiaries of Pacific Select Distributors, Inc. include: Associated Financial Group, Inc. along with its subsidiary Associated Securities Corporation; Mutual Service Corporation (a Michigan Corporation), along with its subsidiaries Advisors’ Mutual Service Center, Inc. (a Michigan Corporation) and Titan Value Equities Group, Inc.; and United Planners’ Group, Inc. (an Arizona Corporation), along with its subsidiary United Planners’ Financial Services of America (an Arizona Limited Partnership). Subsidiaries of World-Wide Holdings Limited include: World-Wide Reassurance Company Limited (a United Kingdom Corporation) and World-Wide Reassurance Company (BVI) Limited (a British Virgin Islands Corporation). All corporations are 100% owned unless otherwise indicated. All entities are California corporations unless otherwise indicated.

II-4

Item 27. Number of Contractholders

Approximately		33,807		Qualified
		35,791		Non Qualified

Item 28. Indemnification

(a)

The Distribution Agreement between Pacific Life and Pacific Select Distributors, Inc. (PSD) provides substantially as follows:

Pacific Life hereby agrees to indemnify and hold harmless PSD and its officers and directors, and employees for any expenses (including legal expenses), losses, claims, damages, or liabilities incurred by reason of any untrue or alleged untrue statement or representation of a material fact or any omission or alleged omission to state a material fact required to be stated to make other statements not misleading, if made in reliance on any prospectus, registration statement, post effective amendment thereof, or sales materials supplied or approved by Pacific Life or the Separate Account. Pacific Life shall reimburse each such person for any legal or other expenses reasonably incurred in connection with investigating or defending any such loss, liability, damage, or claim. However, in no case shall Pacific Life be required to indemnify for any expenses, losses, claims, damages, or liabilities which have resulted from the willful misfeasance, bad faith, negligence, misconduct, or wrongful act of PSD.

PSD hereby agrees to indemnify and hold harmless Pacific Life, its officers, directors, and employees, and the Separate Account for any expenses, losses, claims, damages, or liabilities arising out of or based upon any of the following in connection with the offer or sale of the contracts: (1) except for such statements made in reliance on any prospectus, registration statement or sales material supplied or approved by Pacific Life or the Separate Account, any untrue or alleged untrue statement or representation is made; (2) any failure to deliver a currently effective prospectus; (3) the use of any unauthorized sales literature by any officer, employee or agent of PSD or Broker; (4) any willful misfeasance, bad faith, negligence, misconduct or wrongful act. PSD shall reimburse each such person for any legal or other expenses reasonably incurred in connection with investigating or defending any such loss, liability, damage, or claim.

(b)

The Form of Selling Agreement between Pacific Life, Pacific Select Distributors, Inc. (PSD) and Various Broker-Dealers provides substantially as follows:

Pacific Life and PSD agree to indemnify and hold harmless Selling Broker-Dealer and General Agent, their officers, directors, agents and employees, against any and all losses, claims, damages or liabilities to which they may become subject under the 1933 Act, the 1934 Act, or other federal or state statutory law or regulation, at common law or otherwise, insofar as such losses, claims, damages or liabilities (or actions in respect thereof) arise

II-5

out of or are based upon any untrue statement or alleged untrue statement of a material fact or any omission or alleged omission to state a material fact required to be stated or necessary to make the statements made not misleading in the registration statement for the Contracts or for the shares of Pacific Select Fund (the “Fund”) filed pursuant to the 1933 Act, or any prospectus included as a part thereof, as from time to time amended and supplemented, or in any advertisement or sales literature approved in writing by Pacific Life and PSD pursuant to Section IV.E. Of this Agreement.

Selling Broker-Dealer and General Agent agree to indemnify and hold harmless Pacific Life, the Fund and PSD, their officers, directors, agents and employees, against any and all losses, claims, damages or iabilities to which they may become subject under the 1933 Act, the 1934 Act or other federal or state statutory law or regulation, at common law or otherwise, insofar as such losses, claims, damages or liabilities (or actions in respect thereof) arise out of or are based upon: (a) any oral or written misrepresentation by Selling Broker- Dealer or General Agent or their officers, directors, employees or agents unless such misrepresentation is contained in the registration statement for the Contracts or Fund shares, any prospectus included as a part thereof, as from time to time amended and supplemented, or any advertisement or sales literature approved in writing by Pacific Life and PSD pursuant to Section IV.E. of this Agreement, (b) the failure of Selling Broker-Dealer or General Agent or their officers, directors, employees or agents to comply with any applicable provisions of this Agreement or (c) claims by Sub-agents or employees of General Agent or Selling Broker-Dealer for payments of compensation or remuneration of any type. Selling Broker-Dealer and General Agent will reimburse Pacific Life or PSD or any director, officer, agent or employee of either entity for any legal or other expenses reasonably incurred by Pacific Life, PSD, or such officer, director, agent or employee in connection with investigating or defending any such loss, claims, damages, liability or action. This indemnity agreement will be in addition to any liability which Broker-Dealer may otherwise have.

II-6

Item 29. Principal Underwriters

(a)

PSD also acts as principal underwriter for Pacific Select Separate Account, Pacific Select Exec Separate Account, Pacific Select Variable Annuity Separate Account, Pacific Corinthian Variable Separate Account, Separate Account B, Pacific Life and Annuity, Pacific Select Exec Separate Account, Pacific Life and Annuity Separate Account A, COLI Separate Account, COLI II Separate Account, COLI III Separate Account and Pacific Select Fund.

(b)

For information regarding PSD, reference is made to Form B-D, SEC File No. 8-15264, which is herein incorporated by reference.

(c)

PSD retains no compensation or net discounts or commissions from the Registrant.

Item 30. Location of Accounts and Records

The accounts, books and other documents required to be maintained by Registrant pursuant to Section 31(a) of the Investment Company Act of 1940 and the rules under that section will be maintained by Pacific Life at 700 Newport Center Drive, Newport Beach, California 92660.

Item 31. Management Services

Not applicable

Item 32. Undertakings

The registrant hereby undertakes:

(a)

to file a post-effective amendment to this registration statement as frequently as is necessary to ensure that the audited financial statements in this registration statement are never more than 16 months old for so long as payments under the variable annuity contracts may be accepted, unless otherwise permitted.

(b)

to include either (1) as a part of any application to purchase a contract offered by the prospectus, a space that an applicant can check to request a Statement of Additional Information, or (2) a post card or similar written communication affixed to or included in the prospectus that the applicant can remove to send for a Statement of Additional Information, or (3) to deliver a Statement of Additional Information with the Prospectus.

(c)

to deliver any Statement of Additional Information and any financial statements required to be made available under this Form promptly upon written or oral request.

II-7

Additional Representations

(a) The Registrant and its Depositor are relying upon American Council of Life Insurance, SEC No-Action Letter, SEC Ref. No. 1P-6-88 (November 28, 1988) with respect to annuity contracts offered as funding vehicles for retirement plans meeting the requirements of Section 403(b) of the Internal Revenue Code, and the provisions of paragraphs (1)-(4) of this letter have been complied with.

(b) The Registrant and its Depositor are relying upon Rule 6c-7 of the Investment Company Act of 1940 with respect to annuity contracts offered as funding vehicles to participants in the Texas Optional Retirement Program, and the provisions of Paragraphs (a)-(d) of the Rule have been complied with.

(c) REPRESENTATION PURSUANT TO SECTION 26(e) OF THE INVESTMENT COMPANY ACT OF 1940: Pacific Life Insurance Company and Registrant represent that the fees and charges to be deducted under the Variable Annuity Contract (“Contract”) described in the prospectus contained in this registration statement are, in the aggregate, reasonable in relation to the services rendered, the expenses expected to be incurred, and the risks assumed in connection with the Contract.

II-8

SIGNATURES

Pursuant to the requirements of the Securities Act of 1933 and the Investment Company Act of 1940, the Registrant certifies that it meets the requirements of Securities Act Rule 485 (b) for effectiveness of this Registration Statement and has caused this Post-Effective Amendment No. 16 to the Registration Statement on Form N-4 to be signed on its behalf by the undersigned thereunto duly authorized in the City of Newport Beach, and the State of California on this 18th day of December, 2002.

SEPARATE ACCOUNT A (Registrant)

By:		PACIFIC LIFE INSURANCE COMPANY

By:
		Thomas C. Sutton* Chairman and Chief Executive Officer


By:		PACIFIC LIFE INSURANCE COMPANY
		(Depositor)


By:
		Thomas C. Sutton* Chairman and Chief Executive Officer

Pursuant to the requirements of the Securities Act of 1933, this Post-Effective Amendment No. 16 to the Registration Statement has been signed by the following persons in the capacities and on the dates indicated:

Signature	Title	Date

Thomas C. Sutton*	Director, Chairman of the Board and Chief Executive Officer	December 18, 2002

Glenn S. Schafer*	Director and President	December 18, 2002

Khanh T. Tran*	Director, Executive Vice President and Chief Financial Officer	December 18, 2002

David R. Carmichael*	Director, Senior Vice President and General Counsel	December 18, 2002

Audrey L. Milfs*	Director, Vice President and Corporate Secretary	December 18, 2002

Edward R. Byrd*	Vice President and Controller	December 18, 2002

Brian D. Klemens*	Vice President and Treasurer	December 18, 2002

Gerald W. Robinson*	Executive Vice President	December 18, 2002

*By:

/s/ DAVID R. CARMICHAEL

December 18, 2002

David R. Carmichael

as attorney-in-fact

(Powers of Attorney are contained in Post-Effective Amendment No. 14 to the Registration Statement filed on April 30, 2002, on Form N-4/B for Separate Account A, Accession No. 0001017062-02-000783, File No. 33-88460, as Exhibit 15.)

II-9

Dates Referenced Herein and Documents Incorporated by Reference

This ‘485BPOS’ Filing	Date	Other Filings

Corrected on:	4/21/04
	12/31/03	24F-2NT, N-30D, NSAR-U
	1/1/03
Filed as of / Effective on:	12/19/02	485BPOS
Filed on:	12/18/02	485BPOS
	11/1/02
	10/8/02	497
	8/6/02	497
	8/1/02	497
	7/19/02	485BPOS
	5/1/02
	4/30/02	485BPOS
	12/31/01	24F-2NT, 485BPOS, N-30D, NSAR-U
	10/25/01	485APOS
	4/25/01	485BPOS
	3/2/01	485APOS
	12/31/00	24F-2NT, NSAR-U
	12/7/00	485BPOS, 497
	4/21/00	485BPOS
	2/29/00	485BPOS
	9/14/99	497
	4/15/99	485BPOS
	4/29/98	485BPOS
	4/30/97	485BPOS
	4/19/96	N-4/A
		List all Filings

44 Subsequent Filings that Reference this Filing

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

 4/18/24  Sep Acct A of Pacific Life Ins Co 485BPOS     5/01/24   13:9.5M                                   Toppan Merrill/FA
 4/18/24  Sep Acct A of Pacific Life Ins Co 485BPOS     5/01/24    3:3.4M                                   Toppan Merrill/FA
 4/18/24  Sep Acct A of Pacific Life Ins Co 485BPOS     5/01/24    3:3.6M                                   Toppan Merrill/FA
 4/16/24  Sep Acct A of Pacific Life Ins Co 485BPOS     5/01/24    3:5.4M                                   Toppan Merrill/FA
 4/16/24  Sep Acct A of Pacific Life Ins Co 485BPOS     5/01/24    3:7M                                     Toppan Merrill/FA
 4/16/24  Sep Acct A of Pacific Life Ins Co 485BPOS     5/01/24    3:6.1M                                   Toppan Merrill/FA
 4/15/24  Sep Acct A of Pacific Life Ins Co 485BPOS     5/01/24    4:7.8M                                   Toppan Merrill/FA
 4/15/24  Sep Acct A of Pacific Life Ins Co 485BPOS     5/01/24    4:15M                                    Toppan Merrill/FA
 4/20/23  Sep Acct A of Pacific Life Ins Co 485BPOS     5/01/23   13:8.9M                                   Toppan Merrill/FA
 4/20/23  Sep Acct A of Pacific Life Ins Co 485BPOS     5/01/23    3:3.2M                                   Toppan Merrill/FA
 4/20/23  Sep Acct A of Pacific Life Ins Co 485BPOS     5/01/23    3:3.4M                                   Toppan Merrill/FA
 4/18/23  Sep Acct A of Pacific Life Ins Co 485BPOS     5/01/23    3:5.3M                                   Toppan Merrill/FA
 4/18/23  Sep Acct A of Pacific Life Ins Co 485BPOS     5/01/23    3:6.8M                                   Toppan Merrill/FA
 4/18/23  Sep Acct A of Pacific Life Ins Co 485BPOS     5/01/23    3:6M                                     Toppan Merrill/FA
 4/17/23  Sep Acct A of Pacific Life Ins Co 485BPOS     5/01/23    4:7.6M                                   Toppan Merrill/FA
 4/17/23  Sep Acct A of Pacific Life Ins Co 485BPOS     5/01/23    4:15M                                    Toppan Merrill/FA
 2/01/23  Sep Acct A of Pacific Life Ins Co 485APOS                5:4.5M                                   Toppan Merrill/FA
 4/21/22  Sep Acct A of Pacific Life Ins Co 485BPOS     5/01/22    4:22M                                    Toppan Merrill/FA
 4/21/22  Sep Acct A of Pacific Life Ins Co 485BPOS     5/01/22    3:22M                                    Toppan Merrill/FA
 4/21/22  Sep Acct A of Pacific Life Ins Co 485BPOS     5/01/22    3:22M                                    Toppan Merrill/FA
 4/19/22  Sep Acct A of Pacific Life Ins Co 485BPOS     5/01/22    3:24M                                    Toppan Merrill/FA
 4/19/22  Sep Acct A of Pacific Life Ins Co 485BPOS     5/01/22    3:25M                                    Toppan Merrill/FA
 4/19/22  Sep Acct A of Pacific Life Ins Co 485BPOS     5/01/22    3:25M                                    Toppan Merrill/FA
 4/19/22  Sep Acct A of Pacific Life Ins Co 485BPOS     5/01/22    3:26M                                    Toppan Merrill/FA
 4/18/22  Sep Acct A of Pacific Life Ins Co 485BPOS     5/01/22    3:53M                                    Toppan Merrill/FA
10/20/21  Sep Acct A of Pacific Life Ins Co 485BPOS    10/20/21    2:470K                                   Toppan Merrill/FA
10/20/21  Sep Acct A of Pacific Life Ins Co 485BPOS    10/20/21    2:498K                                   Toppan Merrill/FA
10/20/21  Sep Acct A of Pacific Life Ins Co 485BPOS    10/20/21    2:504K                                   Toppan Merrill/FA
10/20/21  Sep Acct A of Pacific Life Ins Co 485BPOS    10/20/21    2:561K                                   Toppan Merrill/FA
10/20/21  Sep Acct A of Pacific Life Ins Co 485BPOS    10/20/21    2:578K                                   Toppan Merrill/FA
10/20/21  Sep Acct A of Pacific Life Ins Co 485BPOS    10/20/21    2:563K                                   Toppan Merrill/FA
10/20/21  Sep Acct A of Pacific Life Ins Co 485BPOS    10/20/21    2:585K                                   Toppan Merrill/FA
10/20/21  Sep Acct A of Pacific Life Ins Co 485BPOS    10/20/21    2:633K                                   Toppan Merrill/FA
 6/10/21  Sep Acct A of Pacific Life Ins Co 485BPOS     6/10/21    2:402K                                   Toppan Merrill/FA
 6/10/21  Sep Acct A of Pacific Life Ins Co 485BPOS     6/10/21    2:412K                                   Toppan Merrill/FA
 6/10/21  Sep Acct A of Pacific Life Ins Co 485BPOS     6/10/21    2:403K                                   Toppan Merrill/FA
 4/22/21  Sep Acct A of Pacific Life Ins Co 485BPOS     5/01/21    3:15M                                    Toppan Merrill/FA
 4/22/21  Sep Acct A of Pacific Life Ins Co 485BPOS     5/01/21    3:15M                                    Toppan Merrill/FA
 4/22/21  Sep Acct A of Pacific Life Ins Co 485BPOS     5/01/21    3:15M                                    Toppan Merrill/FA
 4/20/21  Sep Acct A of Pacific Life Ins Co 485BPOS     5/01/21    4:18M                                    Toppan Merrill/FA
 4/20/21  Sep Acct A of Pacific Life Ins Co 485BPOS     5/01/21    4:18M                                    Toppan Merrill/FA
 4/20/21  Sep Acct A of Pacific Life Ins Co 485BPOS     5/01/21    4:17M                                    Toppan Merrill/FA
 4/20/21  Sep Acct A of Pacific Life Ins Co 485BPOS     5/01/21    4:19M                                    Toppan Merrill/FA
 4/19/21  Sep Acct A of Pacific Life Ins Co 485BPOS     5/01/21    4:38M                                    Toppan Merrill/FA

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Filing Submission 0001017062-02-002150 – Alternative Formats (Word / Rich Text, HTML, Plain Text, et al.)