Separate Account A of Pacific Life Insurance Co, et al. – ‘485BPOS’ on 12/18/02 – EX-99.4(H)

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. ®

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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 

EX-99.4(H)   —   Roth Retirement Annuity Rider
Exhibit Table of Contents

EX-99.4(H)
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                                                                   EXHIBIT 4.(h)

                                          [LOGO OF PACIFIC LIFE]
                                                  Pacific Life Insurance Company
                                            700 Newport Center Drive
                                            Newport Beach, CA  92660
                                   A Stock Company

ROTH INDIVIDUAL RETIREMENT ANNUITY RIDER

This rider is a part of the Contract to which it is attached (the Contract) by  
Pacific Life Insurance Company (PL).                                            

The Contract is hereby modified as specified below in order to qualify as a Roth
Individual Retirement Annuity (Roth IRA) under Code Section 408A.               

The provisions of this rider shall control if they are in conflict with those of
the Contract.                                                                   

A.   Definitions                                                                

Annuitant - The individual named as a measuring life for periodic annuity       
payments under the Contract.                                                    

Annuity Start Date - The date shown in the Contract Specifications, or the date 
the Owner has most recently elected under the Contract, if any, for the start of
annuity payments if the Annuitant is still living and the Contract is in force; 
or if earlier, the date that annuity payments actually begin.                   

Applicable Designation Date - September 30 of the calendar year next following  
the Owner's Year of Death.                                                      

Applicable Distribution Period - The period used to determine the amount        
required to be distributed as an RMD during a Distribution Year.                

Code -The Internal Revenue Code of 1986, as amended.                            

Compensation - Wages, salaries, professional fees, or other amounts derived from
or received for personal services actually rendered (including, but not limited 
to, commissions paid salesmen, compensation for services on the basis of a      
percentage of profits, commissions on insurance premiums, tips, and bonuses) and
includes earned income, as defined in Code Section 401(c)(2) (reduced by the    
deduction the self-employed individual takes for contributions made to a        
self-employed retirement plan). For purposes of this definition, Code Section   
401(c)(2) shall be applied as if the term trade or business for purposes of Code
Section 1402 included the service described Code Section 1402 (c)(6).           
Compensation does not include amounts derived from or received as earnings and  
profits from property (including, but not limited to, interest and dividends) or
amounts not includible in gross income. Compensation also does not include any  
amount received as a pension or annuity or as deferred compensation.            
Compensation shall include any amount includible in the individual's gross      
income under Code Section 71 with respect to a divorce or separation instrument 
described in Code Section 71(b)(2)(A). In the case of a married individual      
filing a joint return, the greater compensation of his or her spouse is treated 
as his or her own compensation, but only to the extent that such spouse's       
compensation is not being used for purposes of the spouse making a contribution 
to a Roth IRA or a Non Roth IRA.                                                

Contract - This annuity contract issued by PL as a Roth IRA.                    

Contributions - The Purchase Payments, premiums, rollovers or other             
contributions received by PL under the Contract.                                

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Designated Beneficiary - An individual designated or treated as a beneficiary   
under the Contract for RMD purposes in accordance with the Regulations under    
Code Section 401(a)(9)(E) and related provisions, e.g., Reg.(ss)1.401(a)(9)-4.  

DB Election Date - The date that is 30 days prior to the DB Required Beginning  
Date.                                                                           

DB Required Beginning Date - December 31 of the calendar year next following the
Owner's Year of Death.                                                          

Distribution Year - A calendar year for which an RMD is required. The first     
Distribution Year is the calendar year that contains the DB Required Beginning  
Date or the Spouse Required Beginning Date, whichever is applicable. Each       
subsequent calendar year is also a Distribution Year.                           

IRA - An individual retirement account or individual retirement annuity under   
Code Section 408.                                                               

IRS - Internal Revenue Service.                                                 

Life Expectancy - The life expectancy of one or more individuals as determined  
by using the appropriate table in Reg. (ss)1.401(a)(9)-9.                       

Measuring Designated Beneficiary - The Designated Beneficiary as of the DB      
Required Beginning Date whose Life Expectancy is used under Regs.               
(ss)1.401(a)(9)-4 and (ss) 1.401(a)(9)-5, Q&A-7 to determine any Applicable     
Distribution Period as of such date. If as of the Applicable Designation Date   
any trust, estate or other entity is treated under Reg. (ss)1.401(a)(9)-4, Q&A-3
as a beneficiary under the Contract (taking into account any Separate Shares),  
the Contract shall be deemed to have no Measuring Designated Beneficiary. If as 
of the Applicable Designation Date the Contract (taking into account any        
Separate Shares) has more than one Designated Beneficiary (and no entity        
beneficiary), the Measuring Designated Beneficiary is the Designated Beneficiary
with the shortest Life Expectancy as of such date.                              

Non Roth IRA - An IRA that is not a Roth IRA.                                   

Notice Date - The day on which PL receives, in a form satisfactory to PL, proof 
of death and instructions satisfactory to PL regarding payment of death benefit 
proceeds.                                                                       

Owner or You -The Owner of the Contract.                                        

Owner's Year of Death - The calendar year in which the Owner dies.              

PL - Pacific Life Insurance Company.                                            

Plan - A tax-qualified retirement plan or arrangement, including an IRA.        

QDRO - A qualified domestic relations order under Code Section 414(p).          

Regulation or Reg.- A regulation issued or proposed pursuant to the Code.       

RMD - Required minimum distribution under Code Section 401(a)(9) or related Code
provision.                                                                      

Roth IRA - An IRA under Code Section 408A.                                      

Separate Share - A separate portion or segregated share of the benefits under   
the Contract that is determined by an acceptable separate accounting under Reg. 
(ss)1.401(a)(9)-8, Q&A-3, or that qualifies as a segregated share for an        
alternate payee under a QDRO under Reg. (ss)1.401(a)(9)-8, Q&A-6(b)(1). A       
Separate Share shall be treated as a separate Contract for RMD purposes and     
Section 6 below.                                                                

SEP - A Simplified Employee Pension form of IRA under Code Section 408(k).      

SIMPLE IRA - A SIMPLE IRA under Code Section 408(p).                            

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Spouse - The Owner's spouse, including a former spouse covered by a QDRO who is 
treated as the Owner's spouse pursuant to Reg. (ss)1.401(a)(9)-8, Q&A-6.        

Spouse's Continuation Election Date - The date that is 30 days prior to the     
earlier of the Spouse's Required Beginning Date or December 31 of the fifth     
calendar year after the Owner's Year of Death, in accordance with Reg.          
(ss)1.401(a)(9)-3, Q&A-4(c).                                                    

Spouse's Required Beginning Date - The later of December 31 of the calendar year
next following the Owner's Year of Death or December 31 of the calendar year in 
which the deceased Owner would have attained age 70 1/2.                        

Spouse's Year of Death - The calendar year in which the Surviving Spouse dies.  

Surviving Spouse - The surviving Spouse of a deceased Owner.                    

B.   Roth IRA Provisions                                                        

1.   The Annuitant shall at all times be the Owner of the Contract (or its      
 beneficial Owner where a fiduciary is its legal Owner). Such individual
     Owner's rights under the Contract shall be nonforfeitable, and the Contract
shall be for the exclusive benefit of such Owner and his or her       
beneficiaries.                                                        

2.   No benefits under the Contract may be transferred, sold, assigned, or      
    pledged as collateral for a loan, or as security for the performance of an
obligation, or for any other purpose, to any person; except that the  
  Contract may be transferred to a former or separated spouse of the Owner
under a divorce or separation instrument described in Code Section    
     408(d)(6). In the event of such a transfer, the transferee shall be treated
for all purposes as the Owner under the Contract.                     

3.   (a)  Maximum permissible amount. Except in the case of a "qualified        
 rollover contribution" or a recharacterization (as defined in
   paragraph 3(e) below), no Contribution will be allowed into the
        Contract unless it is in cash and the total of such Contributions to
    all the individual Owner's Roth IRAs for a taxable year does not
      exceed the lesser of the Owner's Compensation for such year or the
following applicable dollar limit:                          

Year                            Limit           
----                           -------          
2002-2004                      $ 3,000          
2005-2007                      $ 4,000          
2008 & later                   $ 5,000          

In addition, for years after 2008 the $5000 limit will be indexed for 
cost-of-living adjustments under Code Section 219(b)(5)(C) at $500    
increments.                                                           

For an Owner age 50 or older the above dollar limits are increased as 
follows:                                                              

Year                            Limit           
----                           -------          
2002-2005                      $   500          
2006 & later                   $ 1,000          

  Such a Contribution is referred to herein as a "regular contribution." A
     "qualified rollover contribution" is a rollover contribution that meets the
    requirements of Code Sections 408(d)(3) and 408A(c)(3)(B), except that the
   one-rollover-per-year rule of Code Section 408(d)(3)(B) does not apply if
the rollover contribution is from a Non Roth IRA. Contributions may be
limited under paragraphs 3(b) through (d) below.                      

 (b)  Regular contribution limit. If subparagraph 3(b) (i) or (ii) below
       apply, the maximum regular contributions that can be made to all of
          the Owner's Roth IRAs for a taxable year is the smaller of the amounts
determined under subparagraph 3(b) (i) or (ii) below.       

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       (i)  The maximum regular contribution is phased out ratably between
               certain levels of modified adjusted gross income ("modified AGI,"
               defined in paragraph 3(f) below) in accordance with the following
table:                                            

                                                        [Enlarge/Download Table]

Filing Status                Full Contribution         Phase-out Range            No Contribution     

                                                             Modified AGI                             
                             -------------------------------------------------------------------------
                                                                                                      
Single or Head of Household  $95,000 or less           Between $95,000 and        $110,000 or more    
                                                       $110,000                                       

Joint Return                 $150,000 or less          Between $150,000           $160,000 or more    
                                                       and $160,000                                   

Married-Separate Return      $0                        Between $0 and             $10,000 or more     
                                                       $10,000                                        

For purposes of this table, a husband and wife are not treated as married for a 
taxable year if they have lived apart at all times during such year and file    
separate returns for such year. If the Owner's modified AGI for a taxable year  
is in the phase-out range, the maximum regular contribution determined under    
this table for that taxable year is rounded up to the next multiple of $10 and  
is not reduced below $200.                                                      

      (ii) If the Owner makes regular contributions to both Roth and Non
            Roth IRAs for a taxable year, the maximum regular contribution
            that can be made to all the Owner's Roth IRAs for that taxable
              year is reduced by the regular contributions made to the Owner's
            Non Roth IRAs for the taxable year (ignoring SIMPLE IRA or SEP
contributions).                                   

    (c)  Qualified rollover contribution limit. A rollover from a Non Roth IRA
-------------------------------------                       
        cannot be made to this Roth IRA Contract if, for the year the amount
      is distributed from the Non Roth IRA, (i) the Owner is married and
  files a separate return, (ii) the Owner is not married and has
        modified AGI in excess of $100,000 or (iii) the Owner is married and
         together the Owner and the Owner's spouse have modified AGI in excess
      of $100,000. For purposes of the preceding sentence, a husband and
         wife are not treated as married for a taxable year if they have lived
          apart at all times during such year and file separate returns for such
year.                                                       

   (d)  SIMPLE IRA and SEP limits. No Contribution shall be allowed into the
-------------------------                                   
          Contract under a SIMPLE IRA or SEP Plan. Also, no transfer or rollover
        of funds attributable to contributions made by a particular employer
       under its SIMPLE IRA Plan shall be allowed into the Contract from a
        SIMPLE IRA prior to the expiration of the 2-year period beginning on
       the date the individual Owner first participated in that employer's
SIMPLE IRA Plan.                                            

  (e)  Recharacterization. A regular contribution to a Non Roth IRA may be
-------------------                                         
recharacterized pursuant to Reg.(ss)1.408A-5 as a regular   
    contribution to this Roth IRA Contract, subject to the limits in
paragraph 3(b) above.                                       

(f)  Modified AGI. For purposes of paragraphs 3(b) and (c) above, an  
------------                                                
      Owner's modified AGI for a taxable year is defined in Code Section
    408A(c)(3)(C)(i) and does not include (i) any amount included in
          adjusted gross income as a result of a rollover from a Non Roth IRA (a
         "conversion") or (ii) for purposes of the rollover rules in paragraph
         3(c) above during the years 2005-2010, any RMD from an IRA under Code
Section 401(a)(9) or a related Code provision.              

4.   Any Purchase Payment (or premium payment) under the Contract is not fixed, 
    but may not be less than any minimum amount stated in the Purchase Payment
(or Premiums) provisions of the Contract.                             

5.   Any Purchase Payment (or premium) refund declared by PL under the Contract,
other than a refund attributable to an excess Contribution, shall be  
    applied toward the purchase of additional benefits before the close of the
calendar year following the calendar year of the refund.              

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6.   Upon the Owner's death, the Contract and all distributions under it shall  
comply with the RMD rules in Code Sections 401(a)(9), 408(a)(6) and   
   408(b)(3), as modified by Code Section 408A(c)(5), and in the Regulations
   thereunder, and such rules shall override any distribution options in the
     Contract that are inconsistent with such rules. Consequently, distributions
   shall be made in accordance with this Section 6 and the Regulations under
    those Code Sections. Selection of any annuity or other distribution option
  described in the Contract that does not satisfy the requirements of this
Section 6 shall not be permitted.                                     

  (a)  Upon the Owner's death, the entire interest shall be distributed by
        December 31 of the fifth calendar year that follows the Owner's Year
   of Death, except to the extent that paragraph 6(b) or (c) below
applies.                                                    

   (b)  If the Surviving Spouse is the sole Designated Beneficiary under the
       Contract (taking Separate Shares into account) as of the Applicable
Designation Date, then -                                    

          (i)  If no irrevocable written election to the contrary has been filed
            with PL by the deceased Owner or the Surviving Spouse prior to
         the Spouse's Continuation Election Date, the Contract shall
             continue in the name of the deceased Owner, and RMDs must begin
             by the Spouse's Required Beginning Date and be distributed over
              the Surviving Spouse's remaining Life Expectancy (by December 31
             of each subsequent Distribution Year). The RMD amount that must
       be distributed each Distribution Year with respect to the
              Contract shall be equal to the quotient obtained by dividing the
        account balance for the Contract (as determined under Reg.
            (ss)1.408-8, Q&A-6) by the Applicable Distribution Period. For
         these purposes, the Applicable Distribution Period for each
 Distribution Year after the Owner's Year of Death -

       (1)  Is measured by the Surviving Spouse's remaining Life
                   Expectancy, recalculated annually through the Spouse's Year
of Death, and                           

               (2)  For a Distribution Year after the Spouse's Year of Death, is
                    measured by the Surviving Spouse's remaining Life Expectancy
                  as of the Surviving Spouse's birthday in the Spouse's Year
                 of Death, reduced by one year for each calendar year that
              has elapsed since the calendar year next following the
Spouse's Year of Death.                 

       If the Surviving Spouse dies before the Spouse's Required
              Beginning Date for such a continued Contract, then the Surviving
           Spouse shall be treated as the deceased Owner for purposes of
        this Section 6 (except that any surviving spouse of such a
            deceased Surviving Spouse cannot continue the Contract further
               under this subparagraph (i) as a Surviving Spouse). Any Surviving
             Spouse may arrange to have any portion (or all) of any RMD that
               is distributable with respect to such Surviving Spouse's interest
              in the Contract distributed from another Roth IRA formerly owned
              by such deceased Owner for which such Surviving Spouse is also a
       designated beneficiary (rather than from the Contract) in
accordance with Reg. (ss)1.408-8, Q&A-9.          

       (ii) The Surviving Spouse may elect at any time to treat the entire
      remaining interest in the Contract as a Roth IRA of such
               Surviving Spouse, if such Surviving Spouse has an unlimited right
               to withdraw amounts from the Contract and is the sole beneficiary
      of the Contract, within the meaning of Reg. (ss)1.408-8,
            Q&A-5(a). Such an eligible Surviving Spouse shall make such an
               election by a written request to PL to redesignate such Surviving
        Spouse as the Owner and Annuitant of the Contract. Such an
            eligible Surviving Spouse shall be deemed to have made such an
election if either -                              

              (1)  Such Surviving Spouse makes any transfer, rollover or other
                    contribution of any amount for the benefit of such Surviving
Spouse into the Contract, or            

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             (2)  Such Surviving Spouse directs PL in writing to transfer or
            rollover any part or all of the assets to which such
                  Surviving Spouse is entitled under the Contract to another
IRA owned by such Surviving Spouse, or  

               (3)  Any RMD that is required to be distributed from the Contract
                   under this Section 6 or under Code Section 401(a)(9) (e.g.,
                 in the case of any amount rolled over or transferred into
               the Contract from a Plan) is not distributed within the
appropriate time.                       

        (iii) The Surviving Spouse may make an irrevocable election in writing
             with PL by the Spouse's Continuation Election Date to have such
               Surviving Spouse's entire interest under the Contract distributed
          under another method offered by PL that qualifies under Code
        Section 401(a)(9). In addition to any optional method that
           qualifies under the 5-year rule in paragraph 6(a) above, such
optional methods include the following:           

           (1)  Any annuity option that satisfies Reg.(ss)1.401(a)(9)-5,
                   Q&A-1(e) and provides for periodic distributions that begin
              no later than the Spouse's Required Beginning Date, or

            (2)  Any other method that provides for periodic distributions
                that begin no later than the Spouse's Required Beginning
                   Date and do not extend beyond the remaining Life Expectancy
of such Surviving Spouse.               

(c)  If as of the Applicable Designation Date the Contract (taking any
         Separate Shares into account) has at least one Designated Beneficiary
 and no entity (e.g., a trust or estate) is treated under Reg.
        (ss)1.401(a)(9)-4, Q&A-3 as a beneficiary under the Contract, then -

       (i)  To the extent that no irrevocable election to the contrary has
             been filed with PL by the deceased Owner or any such Designated
             Beneficiary by the DB Election Date (and no Surviving Spouse is
            the sole Designated Beneficiary), then annual distributions of
          the remaining interest in the Contract must be made over the
          Applicable Distribution Period starting with the DB Required
       Beginning Date. In that case, the RMD amount that must be
             distributed each Distribution Year with respect to the Contract
             shall be equal to the quotient obtained by dividing the account
        balance for the Contract (as determined in accordance with
        subparagraph 6(b)(i) above) by the Applicable Distribution
Period. For these purposes -                      

               (1)  The Applicable Distribution Period for the Distribution Year
                 next following the Owner's Year of Death is determined by
             the Measuring Designated Beneficiary's remaining Life
           Expectancy, using such beneficiary's age as of such
             beneficiary's birthday in such Distribution Year; and

    (2)  For a subsequent Distribution Year the Applicable
                    Distribution Period is reduced by one year for each calendar
                    year that has elapsed since the calendar year next following
the Owner's Year of Death.              

               Such RMD amount must be distributed no later than the DB Required
          Beginning Date, and for each subsequent Distribution Year by
          December 31 thereof. However, any Designated Beneficiary may
       arrange to have any portion (or all) of such RMD (that is
              distributable with respect to such beneficiary's interest in the
           Contract) distributed from another Roth IRA formerly owned by
      such deceased Owner for which such beneficiary is also a
       designated beneficiary (rather than from the Contract) in
accordance with Reg. (ss)1.408-8, Q&A-9.          

         (ii) Any such Designated Beneficiary may make an irrevocable election
     in writing with PL by the DB Election Date to have such
         Designated Beneficiary's entire interest under the Contract
           distributed under another method offered by PL that qualifies
              under Code Section 401(a)(9). In addition to any optional method
           that qualifies under the 5-year rule in paragraph 6(a) above,
such optional methods include the following:      

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           (1)  Any annuity option that satisfies Reg.(ss)1.401(a)(9)-5,
                   Q&A-1(e) and provides for periodic distributions that begin
        no later than the DB Required Beginning Date, or

            (2)  Any other method that provides for periodic distributions
                   that begin no later than the DB Required Beginning Date and
                 do not extend beyond the remaining Life Expectancy of the
Measuring Designated Beneficiary.       

   (d)  Any amount payable to a minor child of the Owner shall be treated as
    if it is payable to the Surviving Spouse if the remainder of the
       interest becomes payable to such spouse when such child reaches the
age of majority.                                            

(e)  Unless the Owner provides to the contrary in writing to PL, any  
          beneficiary of any interest under the Contract shall have an unlimited
      right after the Notice Date, upon 30 days written notice to PL, to
     withdraw any portion or all of such interest or to apply any such
amount to an annuity option that qualifies under Reg.       
(ss)1.401(a)(9)-5, Q&A-1(e).                                

  (f)  If the Owner dies before the entire interest under the Contract has
  been distributed, no additional cash Contributions or rollover
      Contributions shall be allowed into the Contract, except where the
  Surviving Spouse elects (or is deemed to elect) to convert the
      Contract to be his or her own Roth IRA, as specified above in this
Section 6.                                                  

7.   PL shall furnish annual calendar year reports concerning the status of the 
    Contract and such information concerning RMDs as is prescribed by the IRS.

C.   Tax Qualification Provisions                                               

    The Contract as amended by this rider is intended to qualify as a Roth IRA
contract that meets the requirements of Code Section 408A and any     
 applicable Regulations relating thereto. To that end, the provisions of
    this rider and the Contract (including any other rider or endorsement) are
     to be interpreted to ensure or maintain such tax qualification, despite any
    other provision to the contrary. PL reserves the right to amend this rider
   to comply with any future changes in the Code or any Regulations, rulings
or other published guidance under the Code, or to reflect any         
   clarifications that may be needed or are appropriate to maintain such tax
qualification, without consent (except for the states of Michigan,    
   Pennsylvania, South Carolina and Washington, where affirmative consent is
  required). PL shall provide the Owner with a copy of any such amendment.

All other terms and conditions of your Contract remain unchanged.               

PACIFIC LIFE INSURANCE COMPANY

  /s/ Thomas C. Sutton                         /s/ Audrey L. Milfs
Chairman and Chief Executive Officer                     Secretary            

7 

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