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Separate Account A of Pacific Life Insurance Co – ‘485APOS’ on 3/2/01

On: Friday, 3/2/01, at 5:25pm ET · Accession #: 1017062-1-459 · File #s: 33-88460, 811-08946

Previous ‘485APOS’: ‘485APOS’ on 3/2/01 · Next: ‘485APOS’ on 5/10/01 · Latest: ‘485APOS’ on 8/15/23 · 32 References:

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

 3/02/01  Sep Acct A of Pacific Life Ins Co 485APOS                3:75K                                    Donnelley R R & S… 11/FA

Post-Effective Amendment
Filing Table of Contents

Document/Exhibit                   Description                      Pages   Size 

 1: 485APOS     Pacific Portfolios 485APOS Filing                     24    134K 
 2: EX-99.4.(N)  Guaranteed Earnings Enhancement (Gee)                 2     11K 
 3: EX-99.5.(D)  Form of Guaranteed Earnings Enhancement (Gee)         2±     8K

485APOS — Pacific Portfolios 485APOS Filing
Document Table of Contents

Page	(sequential)	\|	(alphabetic)	Top
			Alternative Formats (Word, et al.) Directors and Officers of Pacific Life Financial Statements and Exhibits Indemnification Location of Accounts and Records Management Services Number of Contractholders Persons Controlled by or Under Common Control with Pacific Life or Separate Account A Principal Underwriters Undertakings
1	1st Page - Filing Submission
16	Item 24. Financial Statements and Exhibits
18	Item 25. Directors and Officers of Pacific Life
19	Item 26. Persons Controlled by or Under Common Control with Pacific Life or Separate Account A
20	Item 27. Number of Contractholders
"	Item 28. Indemnification
22	Item 29. Principal Underwriters
"	Item 30. Location of Accounts and Records
"	Item 31. Management Services
"	Item 32. Undertakings

485APOS 1st Page of 24 TOC ↑Top Previous Next ↓Bottom Just 1st
 
As filed with the Securities and Exchange Commission on March 2, 2001           
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. 11                           [X]                   

and/or  

REGISTRATION STATEMENT UNDER THE INVESTMENT COMPANY ACT OF 1940  [_]            
Amendment No. 40                                                 [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                          Jane A. Kanter, Esq.
Pacific Life Insurance Company                  Dechert Price & Rhoads    
    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)   

[_]  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             
[X]  on May 1, 2001 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                                                                

485APOS 2nd Page of 24 TOC 1st Previous Next ↓Bottom Just 2nd
PROSPECTUS  

(Included in Post-Effective Amendment No. 7 to the Registrant's Registration    
Statement on Form N-4, Accession No. 0001017062-00-000955, filed on April 21,   
2000, as supplemented in Post-Effective Amendment No. 10 to the Registrant's    
Registration Statement on Form N-4, Accession No. 0001017062-00-002450, filed on
December 7, 2000, and incorporated by reference herein.)                        

485APOS 3rd Page of 24 TOC 1st Previous Next ↓Bottom Just 3rd
STATEMENT OF ADDITIONAL INFORMATION 

(Included in Registrant's Form 497, File No. 33-88460, Accession No.            
0001017062-00-002105, filed on October 2, 2000, and incorporated by reference   
herein.)                                                                        

485APOS 4th Page of 24 TOC 1st Previous Next ↓Bottom Just 4th
Supplement Dated May 01, 2001 to Prospectus 
Dated May 1, 2000 as supplemented on January 2, 2001  
for 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, which amends the Prospectus, describes the optional Guaranteed 
Earnings Enhancement Rider ("GEE Rider").                                       

The AN OVERVIEW OF PACIFIC PORTFOLIOS ("The Death Benefit") section on page 5 of
the Prospectus is amended as follows:                                           

Guaranteed Earnings Enhancement (GEE) Rider (Optional)                          

The Guaranteed Earnings Enhancement (GEE) Rider provides for an additional      
amount ("GEE Amount") to be included in the death benefit proceeds when such    
proceeds become payable as a result of the Annuitant's death. You may buy the   
GEE Rider on the Contract Date or on the first Contract Anniversary For         
Contracts issued prior to May 1, 2001, the GEE Rider may be purchased on any    
Contract Anniversary through December 31, 2002.                                 

If you buy the GEE Rider within 30 days after the Contract Date or Contract     
Anniversary, we will make the effective date of the GEE Rider to coincide with  
that Contract Date or Contract Anniversary.                                     

The GEE Rider is not available in all states.  Ask your registered              
representative about its current availability in your state of residence.       

The expense table under Contract Expenses on page 6 of the Prospectus has been  
revised by adding:                                                              

Guaranteed Earnings Enhancement (GEE) Rider Charge, (Calculated                 
as a percentage of Contract Value) /7/        0.25%                             

/7/If you buy the GEE Rider (subject to state availability), we deduct this     
charge proportionately from your Investment Options (in arrears) on each  
 Contract Anniversary, and when you make a full withdrawal, if the GEE Rider
is in effect on that date.                                                

The information under Examples on page 8 of the Prospectus has been revised as  
follows:                                                                        

The following table shows the expenses you would pay on each $1,000 you invested
if, at the end of each period, you: annuitized your Contract; surrendered your  
Contract and withdrew the Contract Value, or did not annuitize or surrender, but
left the money in your Contract.                                                

These examples assume an annual return of 5%.                                   

without any Rider reflects the expenses you would pay if you did not buy the    
optional Enhanced Guaranteed Minimum Death Benefit Rider (EGMDBR), or the       
Guaranteed Earnings Enhancement (GEE) Rider, and/or the Guaranteed Income       
Advantage (GIA) Rider.                                                          

with EGMDBR reflects the expenses you would pay if you bought the optional      
Enhanced Guaranteed Minimum Death Benefit Rider, but not the GEE or GIA Riders. 
These expenses depend on the age of the youngest Annuitant on the Contract Date.

with EGMDBR and GEE Rider reflects the expenses you would pay if you bought the 
optional Enhanced Guaranteed Minimum Death Benefit Rider and the Guaranteed     
Earnings Enhancement Rider.                                                     

with EGMDBR and GIA Rider reflects the expenses you would pay if you bought the 
optional Enhanced Guaranteed Minimum Death Benefit Rider and the Guaranteed     
Income Advantage Rider.                                                         

485APOS 5th Page of 24 TOC 1st Previous Next ↓Bottom Just 5th
with EGMDBR, GEE and GIA Riders reflects the expenses you would pay if you      
bought the optional Enhanced Guaranteed Minimum Death Benefit Rider,  the       
Guaranteed Earnings Enhancement Rider and the Guaranteed Income Advantage Rider.

with GEE Rider reflects the expenses you would pay if you bought the optional   
Guaranteed Earnings Enhancement Rider, but not the optional EGMDBR and/or GIA   
riders.                                                                         

with GIA Rider reflects the expenses you would pay if you bought the optional   
Guaranteed Income Advantage Rider, but not the optional EGMDBR and/or GEE       
riders.                                                                         

with GEE and GIA Riders reflects the expenses you would pay if you bought the   
optional Guaranteed Earnings Enhancement Rider and the Guaranteed Income        
Advantage Rider.                                                                

These examples do not show past or future expenses.  Your actual expenses in any
year may be more or less than those shown here.                                 

                                                        [Enlarge/Download Table]

-------------------------------------------------------------------------------------------------------------------------------
                                                                                                         Expenses if you did   
                                                                                                         not annuitize or      
                                              Expenses if you              Expenses if you               surrender, but left   
                                              annuitized                   surrendered                   the money in your     
                                              your Contract ($)            your Contract ($)             Contract ($)          
-------------------------------------------------------------------------------------------------------------------------------
Variable Account                              1 yr  3 yr  5 yr  10 yr      1 yr  3 yr  5 yr  10 yr       1 yr 3 yr  5 yr  10 yr
-------------------------------------------------------------------------------------------------------------------------------
                                                                                                                               
Blue Chip                                                                                                                      
without any rider                              88    78   133   282         88   132   160   282          25    78   133   282 
with EGMDBR (age 0-65)                         89    81   138   292         89   135   165   292          26    81   138   292 
with EGMDBR (age 0-65) and GEE Rider           92    88   150   317         92   142   177   317          29    88   150   317 
with EGMDBR (age 0-65) and GIA Rider           92    90   153   321         92   144   180   321          29    90   153   321 
with EGMDBR (age 0-65), GEE and GIA Riders     95    97   165   345         95   151   192   345          32    97   165   345 
with EGMDBR (age 66-75)                        91    87   148   312         91   141   175   312          28    87   148   312 
with EGMDBR (age 66-75) and GEE Rider          94    94   160   336         94   148   187   336          31    94   160   336 
with EGMDBR (age 66-75) and GIA Rider          94    96   163   341         94   150   190   341          31    96   163   341 
with EGMDBR (age 66-75), GEE and GIA Riders    97   103   175   364         97   157   202   364          34   103   175   364 
with GEE Rider                                 91    85   145   307         91   139   172   307          28    85   145   307 
with GIA Rider                                 91    87   148   312         91   141   175   312          28    87   148   312 
with GEE and GIA Riders                        94    94   160   336         94   148   187   336          31    94   160   336 
-------------------------------------------------------------------------------------------------------------------------------
Aggressive Growth                                                                                                              
without any rider                              89    79   135   287         89   133   162   287          26    79   135   287 
with EGMDBR (age 0-65)                         90    82   140   297         90   136   167   297          27    82   140   297 
with EGMDBR (age 0-65) and GEE Rider           92    90   153   321         92   144   180   321          29    90   153   321 
with EGMDBR (age 0-65) and GIA Rider           93    91   155   326         93   145   182   326          30    91   155   326 
with EGMDBR (age 0-65), GEE and GIA Riders     95    99   167   350         95   153   194   350          32    99   167   350 
with EGMDBR (age 66-75)                        92    88   150   316         92   142   177   316          29    88   150   316 
with EGMDBR (age 66-75) and GEE Rider          94    96   163   340         94   150   190   340          31    96   163   340 
with EGMDBR (age 66-75) and GIA Rider          95    97   165   345         95   151   192   345          32    97   165   345 
with EGMDBR (age 66-75), GEE and GIA Riders    97   105   177   369         97   159   204   369          34   105   177   369 
with GEE Rider                                 91    87   148   312         91   141   175   312          28    87   148   312 
with GIA Rider                                 92    88   150   316         92   142   177   316          29    88   150   316 
with GEE and GIA Riders                        94    96   163   340         94   150   190   340          31    96   163   340 
-------------------------------------------------------------------------------------------------------------------------------
Aggressive Equity                                                                                                              
without any rider                              87    73   124   265         87   127   151   265          24    73   124   265 
with EGMDBR (age 0-65)                         88    76   129   275         88   130   156   275          25    76   129   275 
with EGMDBR (age 0-65) and GEE                 90    83   142   300         90   137   169   300          27    83   142   300 
with EGMDBR (age 0-65) and GIA                 91    85   144   305         91   139   171   305          28    85   144   305 
with EGMDBR (age 0-65), GEE and GIA            93    92   157   329         93   146   184   329          30    92   157   329 
with EGMDBR (age 66-75)                        90    82   139   295         90   136   166   295          27    82   139   295 
with EGMDBR (age 66-75) and GEE                92    89   152   320         92   143   179   320          29    89   152   320 
with EGMDBR (age 66-75) and GIA                93    91   154   325         93   145   181   325          30    91   154   325 
with EGMDBR (age 66-75), GEE and GIA           95    98   167   348         95   152   194   348          32    98   167   348 
with GEE                                       89    80   137   290         89   134   164   290          26    80   137   290 
with GIA                                       90    82   139   295         90   136   166   295          27    82   139   295 
with GEE and GIA                               92    89   152   320         92   143   179   320          29    89   152   320 
-------------------------------------------------------------------------------------------------------------------------------

485APOS 6th Page of 24 TOC 1st Previous Next ↓Bottom Just 6th
                                                        [Enlarge/Download Table]

-------------------------------------------------------------------------------------------------------------------------------
                                                                                                         Expenses if you did   
                                                                                                         not annuitize or      
                                              Expenses if you              Expenses if you               surrender, but left   
                                              annuitized                   surrendered                   the money in your     
                                              your Contract ($)            your Contract ($)             Contract ($)          
-------------------------------------------------------------------------------------------------------------------------------
Variable Account                              1 yr  3 yr  5 yr  10 yr      1 yr  3 yr  5 yr  10 yr       1 yr 3 yr  5 yr  10 yr
-------------------------------------------------------------------------------------------------------------------------------
                                                                                                                               
Emerging Markets                                                                                                               
without any rider                              91    86   147   309         91   140   174   309          28    86   147   309 
with EGMDBR: age 0-65                          92    89   152   319         92   143   179   319          29    89   152   319 
with EGMDBR: age 0-65 and GEE Rider            95    97   164   343         95   151   191   343          32    97   164   343 
with EGMDBR: age 0-65 and GIA Rider            95    98   166   348         95   152   193   348          32    98   166   348 
with EGMDBR: age 0-65, GEE and GIA Riders      98   106   179   371         98   160   206   371          35   106   179   371 
with EGMDBR: age 66-75                         94    95   161   338         94   149   188   338          31    95   161   338 
with EGMDBR: age 66-75 and GEE Rider           97   103   174   362         97   157   201   362          34   103   174   362 
with EGMDBR: age 66-75 and GIA Rider           97   104   176   366         97   158   203   366          34   104   176   366 
with EGMDBR: age 66-75, GEE and GIA Riders    100   111   188   389        100   165   215   389          37   111   188   389 
with GEE Rider                                 94    94   159   333         94   148   186   333          31    94   159   333 
with GIA Rider                                 94    95   161   338         94   149   188   338          31    95   161   338 
with GEE and GIA Riders                        97   103   174   362         97   157   201   362          34   103   174   362 
-------------------------------------------------------------------------------------------------------------------------------
Diversified Research                                                                                                           
without any rider                              88    77   132   280         88   131   159   280          25    77   132   280 
with EGMDBR: age 0-65                          89    80   137   290         89   134   164   290          26    80   137   290 
with EGMDBR: age 0-65 and GEE Rider            92    88   149   315         92   142   176   315          29    88   149   315 
with EGMDBR: age 0-65 and GIA Rider            92    89   152   319         92   143   179   319          29    89   152   319 
with EGMDBR: age 0-65, GEE and GIA Riders      95    97   164   343         95   151   191   343          32    97   164   343 
with EGMDBR: age 66-75                         91    86   147   310         91   140   174   310          28    86   147   310 
with EGMDBR: age 66-75 and GEE Rider           94    94   159   334         94   148   186   334          31    94   159   334 
with EGMDBR: age 66-75 and GIA Rider           94    95   162   339         94   149   189   339          31    95   162   339 
with EGMDBR: age 66-75, GEE and GIA Riders     97   103   174   362         97   157   201   362          34   103   174   362 
with GEE Rider                                 91    85   144   305         91   139   171   305          28    85   144   305 
with GIA Rider                                 91    86   147   310         91   140   174   310          28    86   147   310 
with GEE and GIA Riders                        94    94   159   334         94   148   186   334          31    94   159   334 
-------------------------------------------------------------------------------------------------------------------------------
Small-Cap Equity                                                                                                               
without any rider                              85    68   117   250         85   122   144   250          22    68   117   250 
with EGMDBR (age 0-65)                         86    71   122   260         86   125   149   260          23    71   122   260 
with EGMDBR (age 0-65) and GEE                 89    79   134   285         89   133   161   285          26    79   134   285 
with EGMDBR (age 0-65) and GIA                 89    80   137   290         89   134   164   290          26    80   137   290 
with EGMDBR (age 0-65), GEE and GIA            92    88   149   315         92   142   176   315          29    88   149   315 
with EGMDBR (age 66-75)                        88    77   132   280         88   131   159   280          25    77   132   280 
with EGMDBR (age 66-75) and GEE                91    85   144   305         91   139   171   305          28    85   144   305 
with EGMDBR (age 66-75) and GIA                91    86   147   310         91   140   174   310          28    86   147   310 
with EGMDBR (age 66-75), GEE and GIA           94    94   159   334         94   148   186   334          31    94   159   334 
with GEE                                       88    76   129   275         88   130   156   275          25    76   129   275 
with GIA                                       88    77   132   280         88   131   159   280          25    77   132   280 
with GEE and GIA                               91    85   144   305         91   139   171   305          28    85   144   305 
-------------------------------------------------------------------------------------------------------------------------------
International Large Cap                                                                                                        
without any rider                              90    83   141   299         90   137   168   299          27    83   141   299 
with EGMDBR (age 0-65)                         91    86   146   309         91   140   173   309          28    86   146   309 
with EGMDBR (age 0-65) and GEE                 94    93   159   333         94   147   186   333          31    93   159   333 
with EGMDBR (age 0-65) and GIA                 94    95   161   337         94   149   188   337          31    95   161   337 
with EGMDBR (age 0-65), GEE and GIA            97   102   173   361         97   156   200   361          34   102   173   361 
with EGMDBR (age 66-75)                        93    92   156   328         93   146   183   328          30    92   156   328 
with EGMDBR (age 66-75) and GEE                96    99   168   352         96   153   195   352          33    99   168   352 
with EGMDBR (age 66-75) and GIA                96   101   171   356         96   155   198   356          33   101   171   356 
with EGMDBR (age 66-75), GEE and GIA           99   108   183   379         99   162   210   379          36   108   183   379 
with GEE                                       93    90   154   323         93   144   181   323          30    90   154   323 
with GIA                                       93    92   156   328         93   146   183   328          30    92   156   328 
with GEE and GIA                               96    99   168   352         96   153   195   352          33    99   168   352 
-------------------------------------------------------------------------------------------------------------------------------
Equity                                                                                                                         
without any rider                              85    68   117   250         85   122   144   250          22    68   117   250 
with EGMDBR: age 0-65                          86    71   122   260         86   125   149   260          23    71   122   260 
with EGMDBR: age 0-65 and GEE Rider            89    79   134   285         89   133   161   285          26    79   134   285 
with EGMDBR: age 0-65 and GIA Rider            89    80   137   290         89   134   164   290          26    80   137   290 
with EGMDBR: age 0-65, GEE and GIA Riders      92    88   149   315         92   142   176   315          29    88   149   315 
with EGMDBR: age 66-75                         88    77   132   280         88   131   159   280          25    77   132   280 
with EGMDBR: age 66-75 and GEE Rider           91    85   144   305         91   139   171   305          28    85   144   305 
with EGMDBR: age 66-75 and GIA Rider           91    86   147   310         91   140   174   310          28    86   147   310 
with EGMDBR: age 66-75, GEE and GIA Riders     94    94   159   334         94   148   186   334          31    94   159   334 
with GEE Rider                                 88    76   129   275         88   130   156   275          25    76   129   275 
with GIA Rider                                 88    77   132   280         88   131   159   280          25    77   132   280 
with GEE and GIA Riders                        91    85   144   305         91   139   171   305          28    85   144   305 
-------------------------------------------------------------------------------------------------------------------------------

485APOS 7th Page of 24 TOC 1st Previous Next ↓Bottom Just 7th
                                                        [Enlarge/Download Table]

-------------------------------------------------------------------------------------------------------------------------------
                                                                                                         Expenses if you did   
                                                                                                         not annuitize or      
                                              Expenses if you              Expenses if you               surrender, but left   
                                              annuitized                   surrendered                   the money in your     
                                              your Contract ($)            your Contract ($)             Contract ($)          
-------------------------------------------------------------------------------------------------------------------------------
Variable Account                              1 yr  3 yr  5 yr  10 yr      1 yr  3 yr  5 yr  10 yr       1 yr 3 yr  5 yr  10 yr
-------------------------------------------------------------------------------------------------------------------------------
                                                                                                                               
I-Net Tollkeeper                                                                                                               
without any rider                              94    95   162   339         94   149   189   339          31    95   162   339 
with EGMDBR: age 0-65                          95    98   167   348         95   152   194   348          32    98   167   348 
with EGMDBR: age 0-65 and GEE Rider            98   106   179   371         98   160   206   371          35   106   179   371 
with EGMDBR: age 0-65 and GIA Rider            98   107   181   376         98   161   208   376          35   107   181   376 
with EGMDBR: age 0-65, GEE and GIA Riders     101   115   193   398        101   169   220   398          38   115   193   398 
with EGMDBR: age 66-75                         97   104   176   367         97   158   203   367          34   104   176   367 
with EGMDBR: age 66-75 and GEE Rider          100   112   188   389        100   166   215   389          37   112   188   389 
with EGMDBR: age 66-75 and GIA Rider          100   113   191   394        100   167   218   394          37   113   191   394 
with EGMDBR: age 66-75, GEE and GIA Riders    103   120   203   416        103   174   230   416          40   120   203   416 
with GEE Rider                                 97   103   174   362         97   157   201   362          34   103   174   362 
with GIA Rider                                 97   104   176   367         97   158   203   367          34   104   176   367 
with GEE and GIA Riders                       100   112   188   389        100   166   215   389          37   112   188   389 
-------------------------------------------------------------------------------------------------------------------------------
Financial Services                                                                                                             
without any rider                              90    83   142   301         90   137   169   301          27    83   142   301 
with EGMDBR: age 0-65                          91    86   147   310         91   140   174   310          28    86   147   310 
with EGMDBR: age 0-65 and GEE Rider            94    94   159   335         94   148   186   335          31    94   159   335 
with EGMDBR: age 0-65 and GIA Rider            94    95   162   339         94   149   189   339          31    95   162   339 
with EGMDBR: age 0-65, GEE and GIA Riders      97   103   174   363         97   157   201   363          34   103   174   363 
with EGMDBR: age 66-75                         93    92   157   330         93   146   184   330          30    92   157   330 
with EGMDBR: age 66-75 and GEE Rider           96   100   169   353         96   154   196   353          33   100   169   353 
with EGMDBR: age 66-75 and GIA Rider           96   101   172   358         96   155   199   358          33   101   172   358 
with EGMDBR: age 66-75, GEE and GIA Riders     99   109   184   381         99   163   211   381          36   109   184   381 
with GEE Rider                                 93    91   155   325         93   145   182   325          30    91   155   325 
with GIA Rider                                 93    92   157   330         93   146   184   330          30    92   157   330 
with GEE and GIA Riders                        96   100   169   353         96   154   196   353          33   100   169   353 
-------------------------------------------------------------------------------------------------------------------------------
Health Sciences                                                                                                                
without any rider                              90    83   142   301         90   137   169   301          27    83   142   301 
with EGMDBR: age 0-65                          91    86   147   310         91   140   174   310          28    86   147   310 
with EGMDBR: age 0-65 and GEE Rider            94    94   159   335         94   148   186   335          31    94   159   335 
with EGMDBR: age 0-65 and GIA Rider            94    95   162   339         94   149   189   339          31    95   162   339 
with EGMDBR: age 0-65, GEE and GIA Riders      97   103   174   363         97   157   201   363          34   103   174   363 
with EGMDBR: age 66-75                         93    92   157   330         93   146   184   330          30    92   157   330 
with EGMDBR: age 66-75 and GEE Rider           96   100   169   353         96   154   196   353          33   100   169   353 
with EGMDBR: age 66-75 and GIA Rider           96   101   172   358         96   155   199   358          33   101   172   358 
with EGMDBR: age 66-75, GEE and GIA Riders     99   109   184   381         99   163   211   381          36   109   184   381 
with GEE Rider                                 93    91   155   325         93   145   182   325          30    91   155   325 
with GIA Rider                                 93    92   157   330         93   146   184   330          30    92   157   330 
with GEE and GIA Riders                        96   100   169   353         96   154   196   353          33   100   169   353 
-------------------------------------------------------------------------------------------------------------------------------
Technology                                                                                                                     
without any rider                              90    83   141   299         90   137   168   299          27    83   141   299 
with EGMDBR (age 0-65)                         91    86   146   309         91   140   173   309          28    86   146   309 
with EGMDBR (age 0-65) and GEE                 94    93   159   333         94   147   186   333          31    93   159   333 
with EGMDBR (age 0-65) and GIA                 94    95   161   337         94   149   188   337          31    95   161   337 
with EGMDBR (age 0-65), GEE and GIA            97   102   173   361         97   156   200   361          34   102   173   361 
with EGMDBR (age 66-75)                        93    92   156   328         93   146   183   328          30    92   156   328 
with EGMDBR (age 66-75) and GEE                96    99   168   352         96   153   195   352          33    99   168   352 
with EGMDBR (age 66-75) and GIA                96   101   171   356         96   155   198   356          33   101   171   356 
with EGMDBR (age 66-75), GEE and GIA           99   108   183   379         99   162   210   379          36   108   183   379 
with GEE                                       93    90   154   323         93   144   181   323          30    90   154   323 
with GIA                                       93    92   156   328         93   146   183   328          30    92   156   328 
with GEE and GIA                               96    99   168   352         96   153   195   352          33    99   168   352 
-------------------------------------------------------------------------------------------------------------------------------

485APOS 8th Page of 24 TOC 1st Previous Next ↓Bottom Just 8th
                                                        [Enlarge/Download Table]

-------------------------------------------------------------------------------------------------------------------------------
                                                                                                         Expenses if you did   
                                                                                                         not annuitize or      
                                              Expenses if you              Expenses if you               surrender, but left   
                                              annuitized                   surrendered                   the money in your     
                                              your Contract ($)            your Contract ($)             Contract ($)          
-------------------------------------------------------------------------------------------------------------------------------
Variable Account                              1 yr  3 yr  5 yr  10 yr      1 yr  3 yr  5 yr  10 yr       1 yr 3 yr  5 yr  10 yr
-------------------------------------------------------------------------------------------------------------------------------
                                                                                                                               
Telecommunications                                                                                                             
without any rider                              90    83   141   299         90   137   168   299          27    83   141   299 
with EGMDBR: age 0-65                          91    86   146   309         91   140   173   309          28    86   146   309 
with EGMDBR: age 0-65 and GEE Rider            94    93   159   333         94   147   186   333          31    93   159   333 
with EGMDBR: age 0-65 and GIA Rider            94    95   161   337         94   149   188   337          31    95   161   337 
with EGMDBR: age 0-65, GEE and GIA Riders      97   102   173   361         97   156   200   361          34   102   173   361 
with EGMDBR: age 66-75                         93    92   156   328         93   146   183   328          30    92   156   328 
with EGMDBR: age 66-75 and GEE Rider           96    99   168   352         96   153   195   352          33    99   168   352 
with EGMDBR: age 66-75 and GIA Rider           96   101   171   356         96   155   198   356          33   101   171   356 
with EGMDBR: age 66-75, GEE and GIA Riders     99   108   183   379         99   162   210   379          36   108   183   379 
with GEE Rider                                 93    90   154   323         93   144   181   323          30    90   154   323 
with GIA Rider                                 93    92   156   328         93   146   183   328          30    92   156   328 
with GEE and GIA Riders                        96    99   168   352         96   153   195   352          33    99   168   352 
-------------------------------------------------------------------------------------------------------------------------------
Multi-Strategy                                                                                                                 
without any rider                              85    68   117   250         85   122   144   250          22    68   117   250 
with EGMDBR: age 0-65                          86    71   122   260         86   125   149   260          23    71   122   260 
with EGMDBR: age 0-65 and GEE Rider            89    79   134   285         89   133   161   285          26    79   134   285 
with EGMDBR: age 0-65 and GIA Rider            89    80   137   290         89   134   164   290          26    80   137   290 
with EGMDBR: age 0-65, GEE and GIA Riders      92    88   149   315         92   142   176   315          29    88   149   315 
with EGMDBR: age 66-75                         88    77   132   280         88   131   159   280          25    77   132   280 
with EGMDBR: age 66-75 and GEE Rider           91    85   144   305         91   139   171   305          28    85   144   305 
with EGMDBR: age 66-75 and GIA Rider           91    86   147   310         91   140   174   310          28    86   147   310 
with EGMDBR: age 66-75, GEE and GIA Riders     94    94   159   334         94   148   186   334          31    94   159   334 
with GEE Rider                                 88    76   129   275         88   130   156   275          25    76   129   275 
with GIA Rider                                 88    77   132   280         88   131   159   280          25    77   132   280 
with GEE and GIA Riders                        91    85   144   305         91   139   171   305          28    85   144   305 
-------------------------------------------------------------------------------------------------------------------------------
Equity Income                                                                                                                  
without any rider                              85    68   117   250         85   122   144   250          22    68   117   250 
with EGMDBR: age 0-65                          86    71   122   260         86   125   149   260          23    71   122   260 
with EGMDBR: age 0-65 and GEE Rider            89    79   134   285         89   133   161   285          26    79   134   285 
with EGMDBR: age 0-65 and GIA Rider            89    80   137   290         89   134   164   290          26    80   137   290 
with EGMDBR: age 0-65, GEE and GIA Riders      92    88   149   315         92   142   176   315          29    88   149   315 
with EGMDBR: age 66-75                         88    77   132   280         88   131   159   280          25    77   132   280 
with EGMDBR: age 66-75 and GEE Rider           91    85   144   305         91   139   171   305          28    85   144   305 
with EGMDBR: age 66-75 and GIA Rider           91    86   147   310         91   140   174   310          28    86   147   310 
with EGMDBR: age 66-75, GEE and GIA Riders     94    94   159   334         94   148   186   334          31    94   159   334 
with GEE Rider                                 88    76   129   275         88   130   156   275          25    76   129   275 
with GIA Rider                                 88    77   132   280         88   131   159   280          25    77   132   280 
with GEE and GIA Riders                        91    85   144   305         91   139   171   305          28    85   144   305 
-------------------------------------------------------------------------------------------------------------------------------

485APOS 9th Page of 24 TOC 1st Previous Next ↓Bottom Just 9th
                                                        [Enlarge/Download Table]

-------------------------------------------------------------------------------------------------------------------------------
                                                                                                         Expenses if you did   
                                                                                                         not annuitize or      
                                              Expenses if you              Expenses if you               surrender, but left   
                                              annuitized                   surrendered                   the money in your     
                                              your Contract ($)            your Contract ($)             Contract ($)          
-------------------------------------------------------------------------------------------------------------------------------
Variable Account                              1 yr  3 yr  5 yr  10 yr      1 yr  3 yr  5 yr  10 yr       1 yr 3 yr  5 yr  10 yr
-------------------------------------------------------------------------------------------------------------------------------
                                                                                                                               
Strategic Value                                                                                                                
without any rider                              89    79   135   286         89   133   162   286          26    79   135   286 
with EGMDBR: age 0-65                          90    82   140   296         90   136   167   296          27    82   140   296 
with EGMDBR: age 0-65 and GEE Rider            92    89   152   320         92   143   179   320          29    89   152   320 
with EGMDBR: age 0-65 and GIA Rider            93    91   155   325         93   145   182   325          30    91   155   325 
with EGMDBR: age 0-65, GEE and GIA Riders      95    98   167   349         95   152   194   349          32    98   167   349 
with EGMDBR: age 66-75                         92    88   150   316         92   142   177   316          29    88   150   316 
with EGMDBR: age 66-75 and GEE Rider           94    95   162   340         94   149   189   340          31    95   162   340 
with EGMDBR: age 66-75 and GIA Rider           95    97   165   344         95   151   192   344          32    97   165   344 
with EGMDBR: age 66-75, GEE and GIA Riders     97   104   177   368         97   158   204   368          34   104   177   368 
with GEE Rider                                 91    86   147   311         91   140   174   311          28    86   147   311 
with GIA Rider                                 92    88   150   316         92   142   177   316          29    88   150   316 
with GEE and GIA Riders                        94    95   162   340         94   149   189   340          31    95   162   340 
-------------------------------------------------------------------------------------------------------------------------------
Growth LT                                                                                                                      
without any rider                              86    71   122   260         86   125   149   260          23    71   122   260 
with EGMDBR: age 0-65                          87    74   127   270         87   128   154   270          24    74   127   270 
with EGMDBR: age 0-65 and GEE Rider            90    82   139   295         90   136   166   295          27    82   139   295 
with EGMDBR: age 0-65 and GIA Rider            90    83   142   300         90   137   169   300          27    83   142   300 
with EGMDBR: age 0-65, GEE and GIA Riders      93    91   154   325         93   145   181   325          30    91   154   325 
with EGMDBR: age 66-75                         89    80   137   290         89   134   164   290          26    80   137   290 
with EGMDBR: age 66-75 and GEE Rider           92    88   149   315         92   142   176   315          29    88   149   315 
with EGMDBR: age 66-75 and GIA Rider           92    89   152   320         92   143   179   320          29    89   152   320 
with EGMDBR: age 66-75, GEE and GIA Riders     95    97   164   344         95   151   191   344          32    97   164   344 
with GEE Rider                                 89    79   134   285         89   133   161   285          26    79   134   285 
with GIA Rider                                 89    80   137   290         89   134   164   290          26    80   137   290 
with GEE and GIA Riders                        92    88   149   315         92   142   176   315          29    88   149   315 
-------------------------------------------------------------------------------------------------------------------------------
Focused 30                                                                                                                     
without any rider                              89    79   135   286         89   133   162   286          26    79   135   286 
with EGMDBR: age 0-65                          90    82   140   296         90   136   167   296          27    82   140   296 
with EGMDBR: age 0-65 and GEE Rider            92    89   152   320         92   143   179   320          29    89   152   320 
with EGMDBR: age 0-65 and GIA Rider            93    91   155   325         93   145   182   325          30    91   155   325 
with EGMDBR: age 0-65, GEE and GIA Riders      95    98   167   349         95   152   194   349          32    98   167   349 
with EGMDBR: age 66-75                         92    88   150   316         92   142   177   316          29    88   150   316 
with EGMDBR: age 66-75 and GEE Rider           94    95   162   340         94   149   189   340          31    95   162   340 
with EGMDBR: age 66-75 and GIA Rider           95    97   165   344         95   151   192   344          32    97   165   344 
with EGMDBR: age 66-75, GEE and GIA Riders     97   104   177   368         97   158   204   368          34   104   177   368 
with GEE Rider                                 91    86   147   311         91   140   174   311          28    86   147   311 
with GIA Rider                                 92    88   150   316         92   142   177   316          29    88   150   316 
with GEE and GIA Riders                        94    95   162   340         94   149   189   340          31    95   162   340 
-------------------------------------------------------------------------------------------------------------------------------

485APOS 10th Page of 24 TOC 1st Previous Next ↓Bottom Just 10th
                                                        [Enlarge/Download Table]

-------------------------------------------------------------------------------------------------------------------------------
                                                                                                         Expenses if you did   
                                                                                                         not annuitize or      
                                              Expenses if you              Expenses if you               surrender, but left   
                                              annuitized                   surrendered                   the money in your     
                                              your Contract ($)            your Contract ($)             Contract ($)          
-------------------------------------------------------------------------------------------------------------------------------
Variable Account                              1 yr  3 yr  5 yr  10 yr      1 yr  3 yr  5 yr  10 yr       1 yr 3 yr  5 yr  10 yr
-------------------------------------------------------------------------------------------------------------------------------
                                                                                                                               
Mid-Cap Value                                                                                                                  
without any rider                              87    74   127   270         87   128   154   270          24    74   127   270 
with EGMDBR: age 0-65                          88    77   132   280         88   131   159   280          25    77   132   280 
with EGMDBR: age 0-65 and GEE Rider            91    85   144   305         91   139   171   305          28    85   144   305 
with EGMDBR: age 0-65 and GIA Rider            91    86   147   310         91   140   174   310          28    86   147   310 
with EGMDBR: age 0-65, GEE and GIA Riders      94    94   159   334         94   148   186   334          31    94   159   334 
with EGMDBR: age 66-75                         90    83   142   300         90   137   169   300          27    83   142   300 
with EGMDBR: age 66-75 and GEE Rider           93    91   154   324         93   145   181   324          30    91   154   324 
with EGMDBR: age 66-75 and GIA Rider           93    92   157   329         93   146   184   329          30    92   157   329 
with EGMDBR: age 66-75, GEE and GIA Riders     96   100   169   353         96   154   196   353          33   100   169   353 
with GEE Rider                                 90    82   139   295         90   136   166   295          27    82   139   295 
with GIA Rider                                 90    83   142   300         90   137   169   300          27    83   142   300 
with GEE and GIA Riders                        93    91   154   324         93   145   181   324          30    91   154   324 
-------------------------------------------------------------------------------------------------------------------------------
International Value                                                                                                            
without any rider                              88    76   130   277         88   130   157   277          25    76   130   277 
with EGMDBR: age 0-65                          89    79   135   287         89   133   162   287          26    79   135   287 
with EGMDBR: age 0-65 and GEE Rider            91    87   148   312         91   141   175   312          28    87   148   312 
with EGMDBR: age 0-65 and GIA Rider            92    88   150   317         92   142   177   317          29    88   150   317 
with EGMDBR: age 0-65, GEE and GIA Riders      94    96   163   341         94   150   190   341          31    96   163   341 
with EGMDBR: age 66-75                         91    85   145   307         91   139   172   307          28    85   145   307 
with EGMDBR: age 66-75 and GEE Rider           93    93   158   331         93   147   185   331          30    93   158   331 
with EGMDBR: age 66-75 and GIA Rider           94    94   160   336         94   148   187   336          31    94   160   336 
with EGMDBR: age 66-75, GEE and GIA Riders     96   102   172   359         96   156   199   359          33   102   172   359 
with GEE Rider                                 90    84   143   302         90   138   170   302          27    84   143   302 
with GIA Rider                                 91    85   145   307         91   139   172   307          28    85   145   307 
with GEE and GIA Riders                        93    93   158   331         93   147   185   331          30    93   158   331 
-------------------------------------------------------------------------------------------------------------------------------
Capital Opportunities                                                                                                          
without any rider                              87    73   125   267         87   127   152   267          24    73   125   267 
with EGMDBR: age 0-65                          88    76   130   277         88   130   157   277          25    76   130   277 
with EGMDBR: age 0-65 and GEE Rider            90    84   143   302         90   138   170   302          27    84   143   302 
with EGMDBR: age 0-65 and GIA Rider            91    85   145   307         91   139   172   307          28    85   145   307 
with EGMDBR: age 0-65, GEE and GIA Riders      93    93   158   331         93   147   185   331          30    93   158   331 
with EGMDBR: age 66-75                         90    82   140   297         90   136   167   297          27    82   140   297 
with EGMDBR: age 66-75 and GEE Rider           92    90   153   322         92   144   180   322          29    90   153   322 
with EGMDBR: age 66-75 and GIA Rider           93    91   155   326         93   145   182   326          30    91   155   326 
with EGMDBR: age 66-75, GEE and GIA Riders     95    99   168   350         95   153   195   350          32    99   168   350 
with GEE Rider                                 89    81   138   292         89   135   165   292          26    81   138   292 
with GIA Rider                                 90    82   140   297         90   136   167   297          27    82   140   297 
with GEE and GIA Riders                        92    90   153   322         92   144   180   322          29    90   153   322 
-------------------------------------------------------------------------------------------------------------------------------

485APOS 11th Page of 24 TOC 1st Previous Next ↓Bottom Just 11th
                                                        [Enlarge/Download Table]

-------------------------------------------------------------------------------------------------------------------------------
                                                                                                         Expenses if you did   
                                                                                                         not annuitize or      
                                              Expenses if you              Expenses if you               surrender, but left   
                                              annuitized                   surrendered                   the money in your     
                                              your Contract ($)            your Contract ($)             Contract ($)          
-------------------------------------------------------------------------------------------------------------------------------
Variable Account                              1 yr  3 yr  5 yr  10 yr      1 yr  3 yr  5 yr  10 yr       1 yr 3 yr  5 yr  10 yr
-------------------------------------------------------------------------------------------------------------------------------
                                                                                                                               
Mid-Cap Growth                                                                                                                 
without any rider                              88    76   130   277         88   130   157   277          25    76   130   277 
with EGMDBR: age 0-65                          89    79   135   287         89   133   162   287          26    79   135   287 
with EGMDBR: age 0-65 and GEE Rider            91    87   148   312         91   141   175   312          28    87   148   312 
with EGMDBR: age 0-65 and GIA Rider            92    88   150   317         92   142   177   317          29    88   150   317 
with EGMDBR: age 0-65, GEE and GIA Riders      94    96   163   341         94   150   190   341          31    96   163   341 
with EGMDBR: age 66-75                         91    85   145   307         91   139   172   307          28    85   145   307 
with EGMDBR: age 66-75 and GEE Rider           93    93   158   331         93   147   185   331          30    93   158   331 
with EGMDBR: age 66-75 and GIA Rider           94    94   160   336         94   148   187   336          31    94   160   336 
with EGMDBR: age 66-75, GEE and GIA Riders     96   102   172   359         96   156   199   359          33   102   172   359 
with GEE Rider                                 90    84   143   302         90   138   170   302          27    84   143   302 
with GIA Rider                                 91    85   145   307         91   139   172   307          28    85   145   307 
with GEE and GIA Riders                        93    93   158   331         93   147   185   331          30    93   158   331 
-------------------------------------------------------------------------------------------------------------------------------
Global Growth                                                                                                                  
without any rider                              91    86   147   309         91   140   174   309          28    86   147   309 
with EGMDBR: age 0-65                          92    89   152   319         92   143   179   319          29    89   152   319 
with EGMDBR: age 0-65 and GEE Rider            95    97   164   343         95   151   191   343          32    97   164   343 
with EGMDBR: age 0-65 and GIA Rider            95    98   166   348         95   152   193   348          32    98   166   348 
with EGMDBR: age 0-65, GEE and GIA Riders      98   106   179   371         98   160   206   371          35   106   179   371 
with EGMDBR: age 66-75                         94    95   161   338         94   149   188   338          31    95   161   338 
with EGMDBR: age 66-75 and GEE Rider           97   103   174   362         97   157   201   362          34   103   174   362 
with EGMDBR: age 66-75 and GIA Rider           97   104   176   366         97   158   203   366          34   104   176   366 
with EGMDBR: age 66-75, GEE and GIA Riders    100   111   188   389        100   165   215   389          37   111   188   389 
with GEE Rider                                 94    94   159   333         94   148   186   333          31    94   159   333 
with GIA Rider                                 94    95   161   338         94   149   188   338          31    95   161   338 
with GEE and GIA Riders                        97   103   174   362         97   157   201   362          34   103   174   362 
-------------------------------------------------------------------------------------------------------------------------------
Equity Index                                                                                                                   
without any rider                              81    56    95   207         81   110   122   207          18    56    95   207 
with EGMDBR: age 0-65                          82    59   101   217         82   113   128   217          19    59   101   217 
with EGMDBR: age 0-65 and GEE Rider            85    66   114   244         85   120   141   244          22    66   114   244 
with EGMDBR: age 0-65 and GIA Rider            85    68   116   249         85   122   143   249          22    68   116   249 
with EGMDBR: age 0-65, GEE and GIA Riders      88    76   129   275         88   130   156   275          25    76   129   275 
with EGMDBR: age 66-75                         84    65   111   239         84   119   138   239          21    65   111   239 
with EGMDBR: age 66-75 and GEE Rider           87    72   124   265         87   126   151   265          24    72   124   265 
with EGMDBR: age 66-75 and GIA Rider           87    74   126   270         87   128   153   270          24    74   126   270 
with EGMDBR: age 66-75, GEE and GIA Riders     90    82   139   295         90   136   166   295          27    82   139   295 
with GEE Rider                                 84    63   108   233         84   117   135   233          21    63   108   233 
with GIA Rider                                 84    65   111   239         84   119   138   239          21    65   111   239 
with GEE and GIA Riders                        87    72   124   265         87   126   151   265          24    72   124   265 
-------------------------------------------------------------------------------------------------------------------------------

485APOS 12th Page of 24 TOC 1st Previous Next ↓Bottom Just 12th
                                                        [Enlarge/Download Table]

-------------------------------------------------------------------------------------------------------------------------------
                                                                                                         Expenses if you did   
                                                                                                         not annuitize or      
                                              Expenses if you              Expenses if you               surrender, but left   
                                              annuitized                   surrendered                   the money in your     
                                              your Contract ($)            your Contract ($)             Contract ($)          
-------------------------------------------------------------------------------------------------------------------------------
Variable Account                              1 yr  3 yr  5 yr  10 yr      1 yr  3 yr  5 yr  10 yr       1 yr 3 yr  5 yr  10 yr
-------------------------------------------------------------------------------------------------------------------------------
                                                                                                                               
Small-Cap Index                                                                                                                
without any rider                              84    65   112   240         84   119   139   240          21    65   112   240 
with EGMDBR: age 0-65                          85    68   117   251         85   122   144   251          22    68   117   251 
with EGMDBR: age 0-65 and GEE Rider            88    76   130   276         88   130   157   276          25    76   130   276 
with EGMDBR: age 0-65 and GIA Rider            88    78   132   281         88   132   159   281          25    78   132   281 
with EGMDBR: age 0-65, GEE and GIA Riders      91    85   145   306         91   139   172   306          28    85   145   306 
with EGMDBR: age 66-75                         87    74   127   271         87   128   154   271          24    74   127   271 
with EGMDBR: age 66-75 and GEE Rider           90    82   140   296         90   136   167   296          27    82   140   296 
with EGMDBR: age 66-75 and GIA Rider           90    84   142   301         90   138   169   301          27    84   142   301 
with EGMDBR: age 66-75, GEE and GIA Riders     93    91   155   326         93   145   182   326          30    91   155   326 
with GEE Rider                                 87    73   125   266         87   127   152   266          24    73   125   266 
with GIA Rider                                 87    74   127   271         87   128   154   271          24    74   127   271 
with GEE and GIA Riders                        90    82   140   296         90   136   167   296          27    82   140   296 
-------------------------------------------------------------------------------------------------------------------------------
REIT                                                                                                                           
without any rider                              90    82   140   296         90   136   167   296          27    82   140   296 
with EGMDBR: age 0-65                          91    85   145   306         91   139   172   306          28    85   145   306 
with EGMDBR: age 0-65 and GEE Rider            93    92   157   330         93   146   184   330          30    92   157   330 
with EGMDBR: age 0-65 and GIA Rider            94    94   160   335         94   148   187   335          31    94   160   335 
with EGMDBR: age 0-65, GEE and GIA Riders      96   101   172   358         96   155   199   358          33   101   172   358 
with EGMDBR: age 66-75                         93    91   155   325         93   145   182   325          30    91   155   325 
with EGMDBR: age 66-75 and GEE Rider           95    98   167   349         95   152   194   349          32    98   167   349 
with EGMDBR: age 66-75 and GIA Rider           96   100   169   354         96   154   196   354          33   100   169   354 
with EGMDBR: age 66-75, GEE and GIA Riders     98   107   182   377         98   161   209   377          35   107   182   377 
with GEE Rider                                 92    89   152   320         92   143   179   320          29    89   152   320 
with GIA Rider                                 93    91   155   325         93   145   182   325          30    91   155   325 
with GEE and GIA Riders                        95    98   167   349         95   152   194   349          32    98   167   349 
-------------------------------------------------------------------------------------------------------------------------------
Government Securities                                                                                                          
without any rider                              84    66   113   242         84   120   140   242          21    66   113   242 
with EGMDBR: age 0-65                          85    69   118   253         85   123   145   253          22    69   118   253 
with EGMDBR: age 0-65 and GEE Rider            88    77   131   278         88   131   158   278          25    77   131   278 
with EGMDBR: age 0-65 and GIA Rider            88    78   133   283         88   132   160   283          25    78   133   283 
with EGMDBR: age 0-65, GEE and GIA Riders      91    86   146   308         91   140   173   308          28    86   146   308 
with EGMDBR: age 66-75                         87    75   128   273         87   129   155   273          24    75   128   273 
with EGMDBR: age 66-75 and GEE Rider           90    83   141   298         90   137   168   298          27    83   141   298 
with EGMDBR: age 66-75 and GIA Rider           90    84   143   303         90   138   170   303          27    84   143   303 
with EGMDBR: age 66-75, GEE and GIA Riders     93    92   156   328         93   146   183   328          30    92   156   328 
with GEE Rider                                 87    74   126   268         87   128   153   268          24    74   126   268 
with GIA Rider                                 87    75   128   273         87   129   155   273          24    75   128   273 
with GEE and GIA Riders                        90    83   141   298         90   137   168   298          27    83   141   298 
-------------------------------------------------------------------------------------------------------------------------------

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-------------------------------------------------------------------------------------------------------------------------------
                                                                                                         Expenses if you did   
                                                                                                         not annuitize or      
                                              Expenses if you              Expenses if you               surrender, but left   
                                              annuitized                   surrendered                   the money in your     
                                              your Contract ($)            your Contract ($)             Contract ($)          
-------------------------------------------------------------------------------------------------------------------------------
Variable Account                              1 yr  3 yr  5 yr  10 yr      1 yr  3 yr  5 yr  10 yr       1 yr 3 yr  5 yr  10 yr
-------------------------------------------------------------------------------------------------------------------------------
                                                                                                                               
Managed Bond                                                                                                                   
without any rider                              85    67   114   244         85   121   141   244          22    67   114   244 
with EGMDBR: age 0-65                          86    70   119   255         86   124   146   255          23    70   119   255 
with EGMDBR: age 0-65  and GEE Rider           88    77   132   280         88   131   159   280          25    77   132   280 
with EGMDBR: age 0-65 and GIA Rider            89    79   134   285         89   133   161   285          26    79   134   285 
with EGMDBR: age 0-65, GEE and GIA Riders      91    86   147   310         91   140   174   310          28    86   147   310 
with EGMDBR: age 66-75                         88    76   129   275         88   130   156   275          25    76   129   275 
with EGMDBR: age 66-75 and GEE Rider           90    83   142   300         90   137   169   300          27    83   142   300 
with EGMDBR: age 66-75 and GIA Rider           91    85   144   305         91   139   171   305          28    85   144   305 
with EGMDBR: age 66-75, GEE and GIA Riders     93    92   157   330         93   146   184   330          30    92   157   330 
with GEE Rider                                 87    74   127   270         87   128   154   270          24    74   127   270 
with GIA Rider                                 88    76   129   275         88   130   156   275          25    76   129   275 
with GEE and GIA Riders                        90    83   142   300         90   137   169   300          27    83   142   300 
-------------------------------------------------------------------------------------------------------------------------------
Money Market                                                                                                                   
without any rider                              82    58   100   216         82   112   127   216          19    58   100   216 
with EGMDBR: age 0-65                          83    61   105   227         83   115   132   227          20    61   105   227 
with EGMDBR: age 0-65 and GEE Rider            85    69   118   253         85   123   145   253          22    69   118   253 
with EGMDBR: age 0-65 and GIA Rider            86    71   121   258         86   125   148   258          23    71   121   258 
with EGMDBR: age 0-65, GEE and GIA Riders      88    78   134   284         88   132   161   284          25    78   134   284 
with EGMDBR: age 66-75                         85    68   116   248         85   122   143   248          22    68   116   248 
with EGMDBR: age 66-75 and GEE Rider           87    75   128   274         87   129   155   274          24    75   128   274 
with EGMDBR: age 66-75 and GIA Rider           88    77   131   279         88   131   158   279          25    77   131   279 
with EGMDBR: age 66-75, GEE and GIA Riders     90    84   144   304         90   138   171   304          27    84   144   304 
with GEE Rider                                 84    66   113   243         84   120   140   243          21    66   113   243 
with GIA Rider                                 85    68   116   248         85   122   143   248          22    68   116   248 
with GEE and GIA Riders                        87    75   128   274         87   129   155   274          24    75   128   274 
-------------------------------------------------------------------------------------------------------------------------------
High Yield Bond                                                                                                                
without any rider                              84    66   113   243         84   120   140   243          21    66   113   243 
with EGMDBR: age 0-65                          85    69   119   254         85   123   146   254          22    69   119   254 
with EGMDBR: age 0-65 and GEE Rider            88    77   131   279         88   131   158   279          25    77   131   279 
with EGMDBR: age 0-65 and GIA Rider            89    78   134   284         89   132   161   284          26    78   134   284 
with EGMDBR: age 0-65, GEE and GIA Riders      91    86   146   309         91   140   173   309          28    86   146   309 
with EGMDBR: age 66-75                         88    75   129   274         88   129   156   274          25    75   129   274 
with EGMDBR: age 66-75 and GEE Rider           90    83   141   299         90   137   168   299          27    83   141   299 
with EGMDBR: age 66-75 and GIA Rider           91    85   144   304         91   139   171   304          28    85   144   304 
with EGMDBR: age 66-75, GEE and GIA Riders     93    92   156   329         93   146   183   329          30    92   156   329 
with GEE Rider                                 87    74   126   269         87   128   153   269          24    74   126   269 
with GIA Rider                                 88    75   129   274         88   129   156   274          25    75   129   274 
with GEE and GIA Riders                        90    83   141   299         90   137   168   299          27    83   141   299 
-------------------------------------------------------------------------------------------------------------------------------

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-------------------------------------------------------------------------------------------------------------------------------
                                                                                                         Expenses if you did   
                                                                                                         not annuitize or      
                                              Expenses if you              Expenses if you               surrender, but left   
                                              annuitized                   surrendered                   the money in your     
                                              your Contract ($)            your Contract ($)             Contract ($)          
-------------------------------------------------------------------------------------------------------------------------------
Variable Account                              1 yr  3 yr  5 yr  10 yr      1 yr  3 yr  5 yr  10 yr       1 yr 3 yr  5 yr  10 yr
-------------------------------------------------------------------------------------------------------------------------------
                                                                                                                               
Large-Cap Value                                                                                                                
without any rider                              87    74   127   271         87   128   154   271          24    74   127   271 
with EGMDBR: age 0-65                          88    77   132   281         88   131   159   281          25    77   132   281 
with EGMDBR: age 0-65 and GEE Rider            91    85   145   306         91   139   172   306          28    85   145   306 
with EGMDBR: age 0-65 and GIA Rider            91    87   147   311         91   141   174   311          28    87   147   311 
with EGMDBR: age 0-65, GEE and GIA Riders      94    94   160   335         94   148   187   335          31    94   160   335 
with EGMDBR: age 66-75                         90    83   142   301         90   137   169   301          27    83   142   301 
with EGMDBR: age 66-75 and GEE Rider           93    91   155   325         93   145   182   325          30    91   155   325 
with EGMDBR: age 66-75 and GIA Rider           93    93   157   330         93   147   184   330          30    93   157   330 
with EGMDBR: age 66-75, GEE and GIA Riders     96   100   170   354         96   154   197   354          33   100   170   354 
with GEE Rider                                 90    82   140   296         90   136   167   296          27    82   140   296 
with GIA Rider                                 90    83   142   301         90   137   169   301          27    83   142   301 
with GEE and GIA Riders                        93    91   155   325         93   145   182   325          30    91   155   325 
-------------------------------------------------------------------------------------------------------------------------------

The following is added to the CHARGES, FEES AND DEDUCTIONS section:             

Guaranteed Earnings Enhancement GEE Charge Optional Rider                       

If you purchase the GEE Rider, we deduct annually a Guaranteed Earnings         
Enhancement Charge "GEE Charge" for expenses related to the GEE Rider.  The     
GEE Charge is equal to 0.25% multiplied by your Contract Value on the date the  
charge is deducted.                                                             

We will deduct the GEE Charge from your Investment Options (in arrears) on a    
proportionate basis on each Contract Anniversary that the GEE Rider remains in  
effect.                                                                         

Any portion of the GEE Charge we deduct from a fixed option will not be         
greater than the annual interest credited in excess of 3%. If you make a full   
withdrawal of the amount available for withdrawal during a Contract Year, we    
will deduct the entire GEE Charge for that Contract Year from the final payment 
made to you.                                                                    

The following is added to the PURCHASING YOUR CONTRACT section:                 

Purchasing the Guaranteed Earnings Enhancement GEE Rider Optional               

You may purchase the GEE Rider on the Contract Date or on the first Contract    
Anniversary. For Contracts issued prior to May 1, 2001, you may purchase the GEE
Rider on any Contract Anniversary through December 31, 2002. If you buy the GEE 
Rider within 30 days after the Contract Date of Contract Anniversary, we will   
make the effective date of the GEE Rider to coincide with that Contract Date or 
Contract Anniversary.                                                           

You may purchase the GEE Rider only if the age of each Annuitant is 75 years or 
younger on the date of purchase. The date of purchase is the Effective Date of  
the Rider as shown in your Contract. Once purchased, the Rider will remain in   
effect until the earlier of:                                                    

(a) the date a full withdrawal of the amount available for withdrawal is made   
under the Contract;                                                     

(b) the date a death benefit becomes payable under the Contract; or             

(c) the date the Contract is terminated in accordance with the provisions of the
Contract; or                                                            

(d) the Annuity Date.                                                           

485APOS 15th Page of 24 TOC 1st Previous Next ↓Bottom Just 15th
The following is added to the RETIREMENT BENEFITS AND OTHER PAYOUTS section     
under Death Benefits:                                                           

Optional Guaranteed Earnings Enhancement (GEE) Rider                            

If you purchase the GEE Rider (subject to state availability), a Guaranteed     
Earnings Enhancement amount ("GEE Amount") is added to your Contract as         
follows:                                                                        
GEE Amount - The GEE Amount is calculated as follows:                           

 (1) If the age of the oldest Annuitant was age 69 or younger on the Effective
Date of the Rider, the GEE Amount is equal to the lesser of:        

(a)  40% of Earnings; or                                            

   (b) 40% of Remaining Purchase Payments, excluding any Purchase Payments
    made in the 12 months prior to the date of death, adjusted for
withdrawals.                                              

 (2) If the age of the oldest Annuitant was age 70 to 75 on the Effective Date
of the Rider, the GEE Amount is equal to the lesser of:             

(a) 25% of Earnings; or                                             

   (b) 25% of Remaining Purchase Payments, excluding any Purchase Payments
  made in the 12 months prior to the date of death, adjusted for
withdrawals.                                                

For purposes of calculating the GEE Amount:                                     

(1) Earnings are equal to the Contract Value as of the date of death minus      
Remaining Purchase Payments.                                            

(2) Remaining Purchase Payments is defined as (a) or (b) below:                 

(a) If the Rider is effective on the Contract Date, Remaining Purchase  
Payments are equal to:                                          

(1) the Initial Purchase Payment; plus                          

(2) any additional Purchase Payments added; minus               

     (3) the amount that each withdrawal exceeds the amount of Earnings in
the Contract immediately prior to such withdrawal.      

  Withdrawals are assumed to be taken from Earnings first, then from
Purchase Payments in the order they were received.              

 (b) If the Rider is effective after the Contract Date, Remaining Purchase
Payments are equal to:                                          

(1) the Contract Value on the Effective Date; plus              

      (2) any additional Purchase Payments added since the Effective Date of
the Rider; minus                                        

     (3) the amount that each withdrawal taken after the Effective Date of
            the Rider exceeds the amount of Earnings in the Contract accumulated
since that date.                                        

   Withdrawals are assumed to be taken first from Earnings accumulated
     since the Effective Date of the Rider, then from Purchase Payments in
the order they were received.                                   

If the Surviving Spouse of the deceased Owner continues the Contract in         
accordance with its terms and conditions, then all provisions of the Rider for  
the Surviving Spouse will be based on the age of the Surviving Spouse on the    
date of death of the deceased Owner.  If the Surviving Spouse is over age 75 on 
the date of death, the Rider will not be continued for such Surviving Spouse and
the benefits and charges provided by the Rider will no longer be applied.       

Form No. PPGEE0301                                                              

485APOS 16th Page of 24 TOC 1st Previous Next ↓Bottom Just 16th
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, 1999 which are incorporated by
                           reference from the 1999 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, 1999 and 1998, and for the
                        three year period ended December 31, 1999,
                          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/

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485APOS 17th Page of 24 TOC 1st Previous Next ↓Bottom Just 17th
2.   Not applicable                     

                    3.   (a)  Distribution Agreement between Pacific Mutual Life
                         and Pacific Mutual Distributors, Inc. ("PMD")
                   (formerly Pacific Equities Network) /1/

                       (b)  Form of Selling Agreement between Pacific Mutual
                    Life, PMD and Various Broker-Dealers /1/

              4.   (a)  Form of Individual Flexible Premium Variable
             Accumulation Annuity Contract /2/

          (b)  Qualified Plan Loan Endorsement /1/

       (c)  Qualified Pension Plan Rider /1/

             (d)  403(b) Tax-Sheltered Annuity Rider /2/

 (e)  Section 457 Plan Rider /1/

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

                (g)  Individual Retirement Annuity Rider (Form
20-13900) /8/       

               (h)  Roth Individual Retirement Annuity Rider
 (Form R-RIRA 198) /3/

                 (i)  Simple Individual Retirement Annuity Rider
(Form 20-13400) /8/ 

        (j)  DCA Plus Fixed Option Endorsement
(Form E-DCA 697)/3/ 

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

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

                         (m)  Guaranteed Income Advantage Rider (Form 23-113499)
/5/                 

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

                   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 (GEE)
     Rider Request Application

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

  (b)  By-laws of Pacific Life /3/

7.   Not applicable                     

8.   Fund Participation Agreement/6/    

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

II-2

485APOS 18th Page of 24 TOC 1st Previous Next ↓Bottom Just 18th
10.  Independent Auditors' Consent/7/   

11.  Not applicable                     

12.  Not applicable                     

13.  Performance Calculations/7/        

14.  Not applicable                     

15.  Powers of Attorney/6/              

16.  Not applicable                     

/1/ 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.                                                                         

/2/ 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.                                                                         

/3/ 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.                                                                         

Item 25.  Directors and Officers of Pacific Life                                

Positions and Offices             
Name and Address       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         

Edward R. Byrd         Vice President and Controller                            

Brian D. Klemens       Vice President and Treasurer                             

Gerald W. Robinson     Executive Vice President                                 
______________________________                                                  
The address for each of the persons listed above is as follows:                 

700 Newport Center Drive                                                        
Newport Beach, California 92660                                                 

II-3  

485APOS 19th Page of 24 TOC 1st Previous Next ↓Bottom Just 19th
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, SUBSIDIARIES & AFFILIATED ENTERPRISES
     LEGAL STRUCTURE

          Pacific Life is a California Stock Life Insurance Company wholly-owned
       by 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, formerly known as PM Group Life Insurance Company (an
       Arizona Stock Life Insurance Company), Pacific Select Distributors,
          Inc. (formerly known as Pacific Mutual Distributors, Inc.), and World-
      Wide Holdings Limited (a United Kingdom Corporation). Pacific Life
        also has a 40% ownership of American Maturity Life Insurance Company
    (a Connecticut Stock Life Insurance Company), a 50% ownership of
      Pacific Mezzanine Associates, L.L.C. (a Delaware Limited Liability
  Company and a 95% ownership of Grayhawk Golf Holdings, LLC). 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 are PMRealty Advisors Inc. and Pacific Financial
        Products Inc. (a Delaware Corporation). Pacific Asset Management LLC
         has an approximate 30% beneficial economic interest in PIMCO Advisors
         L.P. (a Delaware Limited Partnership). Subsidiaries of Pacific Select
        Distributors, Inc. include: Associated Financial Group, Inc.; 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  

485APOS 20th Page of 24 TOC 1st Previous Next ↓Bottom Just 20th
Item 27.  Number of Contractholders                                             

Approximately 28,838 Qualified                              
31,648 Non Qualified            

Item 28.  Indemnification                                                       

(a) The Distribution Agreement between Pacific Life and Pacific Select
Distributors, Inc. ("PSD", formerly known as Pacific Mutual   
Distributors, Inc.) 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" formerly known as Pacific Mutual    
       Distributors, Inc.) 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  

485APOS 21st Page of 24 TOC 1st Previous Next ↓Bottom Just 21st
 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
      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 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  

485APOS 22nd Page of 24 TOC 1st Previous Next ↓Bottom Just 22nd
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 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  

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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  

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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 (a)(1) for effectiveness of this Registration Statement 
and has caused this Post-Effective Amendment No. 11 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 2nd day of March, 2001.                                                    

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. 11 to the Registration Statement has been signed by the following 
persons in the capacities and on the dates indicated:                           

Signature          Title                                      Date    

_____________________   Director, Chairman of the Board            March 2, 2001
Thomas C. Sutton*       and Chief Executive Officer                             

_____________________   Director and President                     March 2, 2001
Glenn S. Schafer*                                                               

_____________________   Director, Executive Vice President         March 2, 2001
Khanh T. Tran*          and Chief Financial Officer                             

_____________________   Director, Senior Vice President            March 2, 2001
David R. Carmichael*    and General Counsel                                     

_____________________   Director, Vice President and               March 2, 2001
Audrey L. Milfs*        Corporate Secretary                                     

_____________________   Vice President and Controller              March 2, 2001
Edward R. Byrd*                                                                 

_____________________   Vice President and Treasurer               March 2, 2001
Brian D. Klemens*                                                               

_____________________   Executive Vice President                   March 2, 2001
Gerald W. Robinson*                                                             

*By: _____________________________                                 March 2, 2001
David R. Carmichael                                                   
as attorney-in-fact                                                   

(Powers of Attorney are contained in Post-Effective Amendment No. 6, to the     
Registration Statement filed on February 29, 2000 on Form N-4 for Separate      
Account A, File No. 33-88460, Accession No. 0001017062-00-000577, as Exhibit    
15.)

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Dates Referenced Herein and Documents Incorporated by Reference

		Referenced-On Page
This ‘485APOS’ Filing	Date	First	Last	Other Filings

	12/31/02	4	14	24F-2NT, N-30D, NSAR-U
	5/1/01	1	14	485BPOS
Filed on:	3/2/01	1	24	485APOS
	1/2/01	4
	12/7/00	2	18	485BPOS, 497
	10/2/00	3		497
	5/1/00	4
	4/21/00	2	18	485BPOS
	2/29/00	18	24	485BPOS
	12/31/99	16		24F-2NT, NSAR-U
	9/14/99	18		497
	4/15/99	18		485BPOS
	12/31/98	16		24F-2NT, N-30D, NSAR-U
	4/29/98	18		485BPOS
	4/30/97	18		485BPOS
	4/19/96	18		N-4/A
				List all Filings

32 Subsequent Filings that Reference this Filing

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

 4/19/24  Sep Acct A of Pacific Life Ins Co 485BPOS     5/01/24    3:6.3M                                   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
 4/21/23  Sep Acct A of Pacific Life Ins Co 485BPOS     5/01/23    3:6.2M                                   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
 4/22/22  Sep Acct A of Pacific Life Ins Co 485BPOS     5/01/22    4:25M                                    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    2:571K                                   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
 4/23/21  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    4:18M                                    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
12/11/20  Sep Acct A of Pacific Life Ins Co 485BPOS    12/14/20    3:1.6M                                   Toppan Merrill/FA
10/15/20  Sep Acct A of Pacific Life Ins Co 485APOS                1:1.5M                                   Toppan Merrill/FA

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Filing Submission 0001017062-01-000459 – Alternative Formats (Word / Rich Text, HTML, Plain Text, et al.)

Separate Account A of Pacific Life Insurance Co – ‘485APOS’ on 3/2/01

On: Friday, 3/2/01, at 5:25pm ET · Accession #: 1017062-1-459 · File #s: 33-88460, 811-08946

Post-Effective AmendmentFiling Table of Contents

485APOS — Pacific Portfolios 485APOS FilingDocument Table of Contents

Dates Referenced Herein and Documents Incorporated by Reference

32 Subsequent Filings that Reference this Filing

Post-Effective Amendment
Filing Table of Contents

485APOS — Pacific Portfolios 485APOS Filing
Document Table of Contents