Separate Account A of Pacific Life Insurance Co – ‘485APOS’ on 5/10/01

On:  Thursday, 5/10/01, at 4:05pm ET   ·   Accession #:  1017062-1-500247   ·   File #s:  333-93059, 811-08946

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Post-Effective Amendment
Filing Table of Contents

Document/Exhibit                   Description                      Pages   Size 

 1: 485APOS     Pacific Innovations Select 485APOS                    23    118K 

Document Table of Contents

485APOS
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As filed with the Securities and Exchange Commission on May 10, 2001.           
Registrations Nos.                                                              

333-93059                                                                       
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. 7                              [X]                 

and/or  

REGISTRATION STATEMENT UNDER THE INVESTMENT COMPANY ACT OF 1940  [_]            
Amendment No. 46                                                                

(Check appropriate box or boxes)  

SEPARATE ACCOUNT A  
(Exact Name of Registrant)  

PACIFIC LIFE INSURANCE COMPANY  
(Name of Depositor) 

700 Newport Center Drive  
Newport Beach, California 92660 
(Address of Depositor's Principal Executive Offices) (Zip Code) 

(949) 219-3743  
(Depositor's Telephone Number, including Area Code) 

Diane N. Ledger 
Vice President  
Pacific Life Insurance Company  
700 Newport Center Drive  
Newport Beach, California 92660 
(Name and address of agent for service) 

Copies of all communications to:  

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

Approximate Date of Proposed Public Offering                                    

It is proposed that this filing will become effective (check appropriate box)   
[_]  immediately upon filing pursuant to paragraph (b) of Rule 485              
[_]  on May 1, 2001 pursuant to paragraph (b) of Rule 485                       
[X]  60 days after filing pursuant to paragraph (a) (1) of Rule 485             
[_]  on __________________ pursuant to paragraph (a)(1) of Rule 485             

If appropriate, check the following box:                                        

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

Title of Securities Being Registered: Interests in Pacific Life Insurance       
Company Separate Account A Under Variable Annuity Contracts.                    

Filing Fee: None                                                                

485APOS
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Prospectus  

(Included in Post-Effective Amendment No. 6 to the Registrant's Registration    
Statement on Form N-4, File No. 333-93059, Accession No. 0000912057-01-510459   
filed on April 25, 2001, and incorporated by reference herein.)                 

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Statement of Additional Information 

(Included in Post-Effective Amendment No. 6 to the Registrant's Registration    
Statement on Form N-4, File No. 333-93059, Accession No. 0000912057-01-510459   
filed on April 25, 2001, and incorporated by reference herein.)                 

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Supplement dated July 9, 2001 to Prospectus dated May 1, 2001 
for the Pacific Innovations Select, 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 Income Advantage (GIA) Rider.

                   The AN OVERVIEW OF PACIFIC INNOVATIONS SELECT section
                under the Optional Riders section on page 5 of the
Prospectus is amended as follows: 

Guaranteed Income Advantage Rider 
                 The Guaranteed Income Advantage Rider ("GIA Rider")
                  offers a guaranteed income advantage annuity option.
                  You may buy the GIA Rider on the Contract Date or on
            any Contract Anniversary. The GIA Rider is not
          available in all states. Ask your registered
                     representative about its current availability status in
your state of delivery.           

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

                   Guaranteed Income Advantage Rider Charge, (calculated
                      as a percentage of Contract Value)              0.30%/8/

                  /8/ If you buy the Guaranteed Income Advantage Rider
            (GIA Rider), which is subject to state
                 availability, we deduct this charge on each
                         Contract Anniversary date and the Annuity Date, and
                       when you make a full withdrawal, if the GIA Rider
                      is in effect on that date, or when you terminate
the GIA Rider.            

                   The information on page 8 of the Prospectus under the
           Examples section 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 the following:

    . the Contract Value starts at $65,000

                     . the Variable Investment Options have an annual return
of 5%                         

                 . the Annual Fee is deducted even when the Contract
                     Value goes over $50,000 and a waiver would normally
apply                         

                  . our current program to reimburse to Pacific Select
                Fund Portfolio expenses in excess of the 0.10%
                 expense cap as described in Pacific Select Fund
                      Annual Expenses will continue for at least 10 years.

                   without any Rider reflects the expenses you would pay
              if you did not buy the optional Stepped-Up Death
                  Benefit Rider (SDBR), or Premier Death Benefit Rider
                 (PDBR), or the Earnings Enhancement Guarantee (EEG)
                    Rider and the Guaranteed Income Advantage (GIA) Rider.

                  with SDBR reflects the expenses you would pay if you
                     bought the optional Stepped-Up Death Benefit Rider, but
not the PDBR, EEG or GIA Riders.  

                     with SDBR and EEG Rider reflects the expenses you would
                     pay if you bought the optional Stepped-Up Death Benefit
                Rider and the Earnings Enhancement Guarantee (EEG)
Rider.                            

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                     with SDBR and GIA Rider reflects the expenses you would
                     pay if you bought the optional Stepped-Up Death Benefit
                    Rider and the Guaranteed Income Advantage (GIA) Rider.

                  with SDBR, EEG, and GIA Riders reflects the expenses
                 you would pay if you bought the optional Stepped-Up
                     Death Benefit Rider, the Earnings Enhancement Guarantee
                   (EEG) Rider and the Guaranteed Income Advantage (GIA)
Rider.                            

                  with PDBR reflects the expenses you would pay if you
                  bought the optional Premier Death Benefit Rider, but
not the PDBR, EEG or GIA Riders.  

                     with PDBR and EEG Rider reflects the expenses you would
                  pay if you bought the optional Premier Death Benefit
                Rider and the Earnings Enhancement Guarantee (EEG)
Rider.                            

                     with PDBR and GIA Rider reflects the expenses you would
                  pay if you bought the optional Premier Death Benefit
                    Rider and the Guaranteed Income Advantage (GIA) Rider.

                  with PDBR, EEG, and GIA Riders reflects the expenses
                    you would pay if you bought the optional Premier Death
                     Benefit Rider, the Earnings Enhancement Guarantee Rider
                    (EEG) and the Guaranteed Income Advantage (GIA) Rider.

                   with EEG Rider reflects the expenses you would pay if
                    you bought the optional Earnings Enhancement Guarantee
                   (EEG) Rider, but not the optional GIA, and/or SDBR or
PDBR riders.                      

                   with GIA Rider reflects the expenses you would pay if
                 you bought the optional Guaranteed Income Advantage
                   (GIA) Rider, but not the optional EEG, and/or SDBR or
PDBR riders.                      

                     with EEG and GIA Riders reflects the expenses you would
                 pay if you bought the optional Earnings Enhancement
             Guarantee (EEG) Rider and the Guaranteed Income
Advantage (GIA) 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                90   84  143   303   90  120  143   303  27    84  143   303 
with SDBR                        92   90  153   322   92  126  153   322  29    90  153   322 
with SDBR and EEG Rider          95   97  165   346   95  133  165   346  32    97  165   346 
with SDBR and GIA Rider          95   99  168   350   95  135  168   350  32    99  168   350 
with SDBR, EEG, and GIA Riders   98  106  180   373   98  142  180   373  35   106  180   373 
with PDBR                        94   94  160   336   94  130  160   336  31    94  160   336 
with PDBR and EEG Rider          96  102  172   359   96  138  172   359  33   102  172   359 
with PDBR and GIA Rider          97  103  175   364   97  139  175   364  34   103  175   364 
with PDBR, EEG, and GIA Riders   99  111  187   387   99  147  187   387  36   111  187   387 
with EEG                         93   91  155   327   93  127  155   327  30    91  155   327 
with GIA                         93   93  158   332   93  129  158   332  30    93  158   332 
with EEG and GIA Riders          96  100  170   355   96  136  170   355  33   100  170   355 
----------------------------------------------------------------------------------------------
Aggressive Growth                                                                             
without any Rider                91   85  145   308   91  121  145   308  28    85  145   308 
with SDBR                        93   91  155   327   93  127  155   327  30    91  155   327 
with SDBR and EEG Rider          95   99  168   350   95  135  168   350  32    99  168   350 
with SDBR and GIA Rider          96  100  170   355   96  136  170   355  33   100  170   355 
with SDBR, EEG, and GIA Riders   98  108  182   378   98  144  182   378  35   108  182   378 
with PDBR                        94   96  163   341   94  132  163   341  31    96  163   341 
with PDBR and EEG Rider          97  103  175   364   97  139  175   364  34   103  175   364 
with PDBR and GIA Rider          97  105  177   369   97  141  177   369  34   105  177   369 
with PDBR, EEG, and GIA Riders  100  112  189   391  100  148  189   391  37   112  189   391 
with EEG                         93   93  158   332   93  129  158   332  30    93  158   332 
with GIA                         94   94  160   336   94  130  160   336  31    94  160   336 
with EEG and GIA Riders          96  102  173   360   96  138  173   360  33   102  173   360 
----------------------------------------------------------------------------------------------

2                                                                               

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                                                                          Expenses if you did not
                                Expenses if you      Expenses if you      annuitize or surrender,
                                annuitized           surrendered          but left the money in  
                                your Contract ($)    your Contract ($)    your 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
-------------------------------------------------------------------------------------------------
                                                                                                 
Aggressive Equity                                                                                
without any Rider                89   79  135   286   89  115  135   286  26     79   135    286 
with SDBR                        91   85  145   306   91  121  145   306  28     85   145    306 
with SDBR and EEG Rider          93   92  157   330   93  128  157   330  30     92   157    330 
with SDBR and GIA Rider          94   94  159   335   94  130  159   335  31     94   159    335 
with SDBR, EEG, and GIA Riders   96  101  172   358   96  137  172   358  33    101   172    358 
with PDBR                        92   89  152   320   92  125  152   320  29     89   152    320 
with PDBR and EEG Rider          95   97  164   344   95  133  164   344  32     97   164    344 
with PDBR and GIA Rider          95   98  167   349   95  134  167   349  32     98   167    349 
with PDBR, EEG, and GIA Riders   98  106  179   372   98  142  179   372  35    106   179    372 
with EEG                         91   86  147   311   91  122  147   311  28     86   147    311 
with GIA                         92   88  150   316   92  124  150   316  29     88   150    316 
with EEG and GIA Riders          94   95  162   340   94  131  162   340  31     95   162    340 
-------------------------------------------------------------------------------------------------
Emerging Markets                                                                                 
without any Rider                93   93  157   330   93  129  157   330  30     93   157    330 
with SDBR                        95   98  167   349   95  134  167   349  32     98   167    349 
with SDBR and EEG Rider          98  106  179   372   98  142  179   372  35    106   179    372 
with SDBR and GIA Rider          98  107  182   377   98  143  182   377  35    107   182    377 
with SDBR, EEG, and GIA Riders  101  115  194   399  101  151  194   399  38    115   194    399 
with PDBR                        97  103  174   363   97  139  174   363  34    103   174    363 
with PDBR and EEG Rider          99  110  186   385   99  146  186   385  36    110   186    385 
with PDBR and GIA Rider         100  112  189   390  100  148  189   390  37    112   189    390 
with PDBR, EEG, and GIA Riders  102  119  201   412  102  155  201   412  39    119   201    412 
with EEG                         96  100  170   354   96  136  170   354  33    100   170    354 
with GIA                         96  101  172   359   96  137  172   359  33    101   172    359 
with EEG and GIA Riders          99  109  184   381   99  145  184   381  36    109   184    381 
-------------------------------------------------------------------------------------------------
Diversified Research                                                                             
without any Rider                90   83  142   300   90  119  142   300  27     83   142    300 
with SDBR                        92   89  151   319   92  125  151   319  29     89   151    319 
with SDBR and EEG Rider          95   96  164   343   95  132  164   343  32     96   164    343 
with SDBR and GIA Rider          95   98  166   348   95  134  166   348  32     98   166    348 
with SDBR, EEG, and GIA Riders   98  105  178   371   98  141  178   371  35    105   178    371 
with PDBR                        94   93  159   333   94  129  159   333  31     93   159    333 
with PDBR and EEG Rider          96  101  171   357   96  137  171   357  33    101   171    357 
with PDBR and GIA Rider          97  102  173   361   97  138  173   361  34    102   173    361 
with PDBR, EEG, and GIA Riders   99  110  186   384   99  146  186   384  36    110   186    384 
with EEG                         93   91  154   324   93  127  154   324  30     91   154    324 
with GIA                         93   92  156   329   93  128  156   329  30     92   156    329 
with EEG and GIA Riders          96  100  169   353   96  136  169   353  33    100   169    353 
-------------------------------------------------------------------------------------------------
Small-Cap Equity                                                                                 
without any Rider                87   74  127   271   87  110  127   271  24     74   127    271 
with SDBR                        89   80  137   291   89  116  137   291  26     80   137    291 
with SDBR and EEG Rider          92   88  150   316   92  124  150   316  29     88   150    316 
with SDBR and GIA Rider          92   89  152   320   92  125  152   320  29     89   152    320 
with SDBR, EEG, and GIA Riders   95   97  164   344   95  133  164   344  32     97   164    344 
with PDBR                        91   85  145   306   91  121  145   306  28     85   145    306 
with PDBR and EEG Rider          93   92  157   330   93  128  157   330  30     92   157    330 
with PDBR and GIA Rider          94   94  159   335   94  130  159   335  31     94   159    335 
with PDBR, EEG, and GIA Riders   96  101  172   358   96  137  172   358  33    101   172    358 
with EEG                         90   82  140   296   90  118  140   296  27     82   140    296 
with GIA                         90   83  142   301   90  119  142   301  27     83   142    301 
with EEG and GIA Riders          93   91  155   326   93  127  155   326  30     91   155    326 
-------------------------------------------------------------------------------------------------
International Large Cap                                                                          
without any Rider                92   89  151   318   92  125  151   318  29     89   151    318 
with SDBR                        94   95  161   337   94  131  161   337  31     95   161    337 
with SDBR and EEG Rider          96  102  173   360   96  138  173   360  33    102   173    360 
with SDBR and GIA Rider          97  104  175   365   97  140  175   365  34    104   175    365 
with SDBR, EEG, and GIA Riders   99  111  187   388   99  147  187   388  36    111   187    388 
with PDBR                        95   99  168   351   95  135  168   351  32     99   168    351 
with PDBR and EEG Rider          98  106  180   374   98  142  180   374  35    106   180    374 
with PDBR and GIA Rider          98  108  182   378   98  144  182   378  35    108   182    378 
with PDBR, EEG, and GIA Riders  101  115  194   401  101  151  194   401  38    115   194    401 
with EEG                         94   96  163   342   94  132  163   342  31     96   163    342 
with GIA                         95   98  166   347   95  134  166   347  32     98   166    347 
with EEG and GIA Riders          98  105  178   370   98  141  178   370  35    105   178    370 
-------------------------------------------------------------------------------------------------

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                                                                          Expenses if you did not
                                Expenses if you      Expenses if you      annuitize or surrender,
                                annuitized           surrendered          but left the money in  
                                your Contract ($)    your Contract ($)    your 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
-------------------------------------------------------------------------------------------------
                                                                                                 
Equity                                                                                           
without any Rider                87   74  127   271   87  110  127   271  24     74   127    271 
with SDBR                        89   80  137   291   89  116  137   291  26     80   137    291 
with SDBR and EEG Rider          92   88  150   316   92  124  150   316  29     88   150    316 
with SDBR and GIA Rider          92   89  152   320   92  125  152   320  29     89   152    320 
with SDBR, EEG, and GIA Riders   95   97  164   344   95  133  164   344  32     97   164    344 
with PDBR                        91   85  145   306   91  121  145   306  28     85   145    306 
with PDBR and EEG Rider          93   92  157   330   93  128  157   330  30     92   157    330 
with PDBR and GIA Rider          94   94  159   335   94  130  159   335  31     94   159    335 
with PDBR, EEG, and GIA Riders   96  101  172   358   96  137  172   358  33    101   172    358 
with EEG                         90   82  140   296   90  118  140   296  27     82   140    296 
with GIA                         90   83  142   301   90  119  142   301  27     83   142    301 
with EEG and GIA Riders          93   91  155   326   93  127  155   326  30     91   155    326 
-------------------------------------------------------------------------------------------------
I-Net Tollkeeper                                                                                 
without any Rider                96  101  172   358   96  137  172   358  33    101   172    358 
with SDBR                        98  107  181   376   98  143  181   376  35    107   181    376 
with SDBR and EEG Rider         101  115  193   399  101  151  193   399  38    115   193    399 
with SDBR and GIA Rider         101  116  196   403  101  152  196   403  38    116   196    403 
with SDBR, EEG, and GIA Riders  104  123  207   425  104  159  207   425  41    123   207    425 
with PDBR                       100  112  188   389  100  148  188   389  37    112   188    389 
with PDBR and EEG Rider         102  119  200   411  102  155  200   411  39    119   200    411 
with PDBR and GIA Rider         103  120  203   416  103  156  203   416  40    120   203    416 
with PDBR, EEG, and GIA Riders  105  128  214   437  105  164  214   437  42    128   214    437 
with EEG                         99  109  184   381   99  145  184   381  36    109   184    381 
with GIA                         99  110  186   386   99  146  186   386  36    110   186    386 
with EEG and GIA Riders         102  118  198   408  102  154  198   408  39    118   198    408 
-------------------------------------------------------------------------------------------------
Financial Services                                                                               
without any Rider                92   90  152   321   92  126  152   321  29     90   152    321 
with SDBR                        94   95  162   340   94  131  162   340  31     95   162    340 
with SDBR and EEG Rider          97  103  174   363   97  139  174   363  34    103   174    363 
with SDBR and GIA Rider          97  104  177   368   97  140  177   368  34    104   177    368 
with SDBR, EEG, and GIA Riders  100  112  189   390  100  148  189   390  37    112   189    390 
with PDBR                        96  100  169   354   96  136  169   354  33    100   169    354 
with PDBR and EEG Rider          98  107  181   377   98  143  181   377  35    107   181    377 
with PDBR and GIA Rider          99  109  184   381   99  145  184   381  36    109   184    381 
with PDBR, EEG, and GIA Riders  101  116  196   403  101  152  196   403  38    116   196    403 
with EEG                         95   97  165   345   95  133  165   345  32     97   165    345 
with GIA                         95   99  167   349   95  135  167   349  32     99   167    349 
with EEG and GIA Riders          98  106  179   373   98  142  179   373  35    106   179    373 
-------------------------------------------------------------------------------------------------
Health Sciences                                                                                  
without any Rider                92   90  152   321   92  126  152   321  29     90   152    321 
with SDBR                        94   95  162   340   94  131  162   340  31     95   162    340 
with SDBR and EEG Rider          97  103  174   363   97  139  174   363  34    103   174    363 
with SDBR and GIA Rider          97  104  177   368   97  140  177   368  34    104   177    368 
with SDBR, EEG, and GIA Riders  100  112  189   390  100  148  189   390  37    112   189    390 
with PDBR                        96  100  169   354   96  136  169   354  33    100   169    354 
with PDBR and EEG Rider          98  107  181   377   98  143  181   377  35    107   181    377 
with PDBR and GIA Rider          99  109  184   381   99  145  184   381  36    109   184    381 
with PDBR, EEG, and GIA Riders  101  116  196   403  101  152  196   403  38    116   196    403 
with EEG                         95   97  165   345   95  133  165   345  32     97   165    345 
with GIA                         95   99  167   349   95  135  167   349  32     99   167    349 
with EEG and GIA Riders          98  106  179   373   98  142  179   373  35    106   179    373 
-------------------------------------------------------------------------------------------------
Technology                                                                                       
without any Rider                92   89  151   319   92  125  151   319  29     89   151    319 
with SDBR                        94   95  161   338   94  131  161   338  31     95   161    338 
with SDBR and EEG Rider          97  102  173   361   97  138  173   361  34    102   173    361 
with SDBR and GIA Rider          97  104  176   366   97  140  176   366  34    104   176    366 
with SDBR, EEG, and GIA Riders  100  111  188   389  100  147  188   389  37    111   188    389 
with PDBR                        96   99  168   352   96  135  168   352  33     99   168    352 
with PDBR and EEG Rider          98  107  181   375   98  143  181   375  35    107   181    375 
with PDBR and GIA Rider          99  108  183   379   99  144  183   379  36    108   183    379 
with PDBR, EEG, and GIA Riders  101  116  195   402  101  152  195   402  38    116   195    402 
with EEG                         95   96  164   343   95  132  164   343  32     96   164    343 
with GIA                         95   98  166   348   95  134  166   348  32     98   166    348 
with EEG and GIA Riders          98  105  178   371   98  141  178   371  35    105   178    371 
-------------------------------------------------------------------------------------------------

4                                                                               

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                                                                          Expenses if you did not
                                Expenses if you      Expenses if you      annuitize or surrender,
                                annuitized           surrendered          but left the money in  
                                your Contract ($)    your Contract ($)    your 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                92   89  151   319   92  125  151   319  29     89   151    319 
with SDBR                        94   95  161   338   94  131  161   338  31     95   161    338 
with SDBR and EEG Rider          97  102  173   361   97  138  173   361  34    102   173    361 
with SDBR and GIA Rider          97  104  176   366   97  140  176   366  34    104   176    366 
with SDBR, EEG, and GIA Riders  100  111  188   389  100  147  188   389  37    111   188    389 
with PDBR                        96   99  168   352   96  135  168   352  33     99   168    352 
with PDBR and EEG Rider          98  107  181   375   98  143  181   375  35    107   181    375 
with PDBR and GIA Rider          99  108  183   379   99  144  183   379  36    108   183    379 
with PDBR, EEG, and GIA Riders  101  116  195   402  101  152  195   402  38    116   195    402 
with EEG                         95   96  164   343   95  132  164   343  32     96   164    343 
with GIA                         95   98  166   348   95  134  166   348  32     98   166    348 
with EEG and GIA Riders          98  105  178   371   98  141  178   371  35    105   178    371 
-------------------------------------------------------------------------------------------------
Multi-Strategy                                                                                   
without any Rider                87   74  127   271   87  110  127   271  24     74   127    271 
with SDBR                        89   80  137   291   89  116  137   291  26     80   137    291 
with SDBR and EEG Rider          92   88  150   316   92  124  150   316  29     88   150    316 
with SDBR and GIA Rider          92   89  152   320   92  125  152   320  29     89   152    320 
with SDBR, EEG, and GIA Riders   95   97  164   344   95  133  164   344  32     97   164    344 
with PDBR                        91   85  145   306   91  121  145   306  28     85   145    306 
with PDBR and EEG Rider          93   92  157   330   93  128  157   330  30     92   157    330 
with PDBR and GIA Rider          94   94  159   335   94  130  159   335  31     94   159    335 
with PDBR, EEG, and GIA Riders   96  101  172   358   96  137  172   358  33    101   172    358 
with EEG                         90   82  140   296   90  118  140   296  27     82   140    296 
with GIA                         90   83  142   301   90  119  142   301  27     83   142    301 
with EEG and GIA Riders          93   91  155   326   93  127  155   326  30     91   155    326 
-------------------------------------------------------------------------------------------------
Equity Income                                                                                    
without any Rider                87   74  127   271   87  110  127   271  24     74   127    271 
with SDBR                        89   80  137   291   89  116  137   291  26     80   137    291 
with SDBR and EEG Rider          92   88  150   316   92  124  150   316  29     88   150    316 
with SDBR and GIA Rider          92   89  152   320   92  125  152   320  29     89   152    320 
with SDBR, EEG, and GIA Riders   95   97  164   344   95  133  164   344  32     97   164    344 
with PDBR                        91   85  145   306   91  121  145   306  28     85   145    306 
with PDBR and EEG Rider          93   92  157   330   93  128  157   330  30     92   157    330 
with PDBR and GIA Rider          94   94  159   335   94  130  159   335  31     94   159    335 
with PDBR, EEG, and GIA Riders   96  101  172   358   96  137  172   358  33    101   172    358 
with EEG                         90   82  140   296   90  118  140   296  27     82   140    296 
with GIA                         90   83  142   301   90  119  142   301  27     83   142    301 
with EEG and GIA Riders          93   91  155   326   93  127  155   326  30     91   155    326 
-------------------------------------------------------------------------------------------------
Strategic Value                                                                                  
without any Rider                91   85  145   307   91  121  145   307  28     85   145    307 
with SDBR                        93   91  155   326   93  127  155   326  30     91   155    326 
with SDBR and EEG Rider          95   99  167   349   95  135  167   349  32     99   167    349 
with SDBR and GIA Rider          96  100  170   354   96  136  170   354  33    100   170    354 
with SDBR, EEG, and GIA Riders   98  107  182   377   98  143  182   377  35    107   182    377 
with PDBR                        94   95  162   340   94  131  162   340  31     95   162    340 
with PDBR and EEG Rider          97  103  174   363   97  139  174   363  34    103   174    363 
with PDBR and GIA Rider          97  104  177   368   97  140  177   368  34    104   177    368 
with PDBR, EEG, and GIA Riders  100  112  189   390  100  148  189   390  37    112   189    390 
with EEG                         93   93  157   331   93  129  157   331  30     93   157    331 
with GIA                         94   94  160   336   94  130  160   336  31     94   160    336 
with EEG and GIA Riders          96  102  172   359   96  138  172   359  33    102   172    359 
-------------------------------------------------------------------------------------------------
Growth LT                                                                                        
without any Rider                88   77  132   281   88  113  132   281  25     77   132    281 
with SDBR                        90   83  142   301   90  119  142   301  27     83   142    301 
with SDBR and EEG Rider          93   91  154   325   93  127  154   325  30     91   154    325 
with SDBR and GIA Rider          93   92  157   330   93  128  157   330  30     92   157    330 
with SDBR, EEG, and GIA Riders   96  100  169   354   96  136  169   354  33    100   169    354 
with PDBR                        92   88  149   315   92  124  149   315  29     88   149    315 
with PDBR and EEG Rider          94   95  162   339   94  131  162   339  31     95   162    339 
with PDBR and GIA Rider          95   97  164   344   95  133  164   344  32     97   164    344 
with PDBR, EEG, and GIA Riders   97  104  176   367   97  140  176   367  34    104   176    367 
with EEG                         91   85  145   306   91  121  145   306  28     85   145    306 
with GIA                         91   86  147   311   91  122  147   311  28     86   147    311 
with EEG and GIA Riders          94   94  160   335   94  130  160   335  31     94   160    335 
-------------------------------------------------------------------------------------------------

                                                                               5

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-------------------------------------------------------------------------------------------------
                                                                          Expenses if you did not
                                Expenses if you      Expenses if you      annuitize or surrender,
                                annuitized           surrendered          but left the money in  
                                your Contract ($)    your Contract ($)    your 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
-------------------------------------------------------------------------------------------------
                                                                                                 
Focused 30                                                                                       
without any Rider                91   85  145   307   91  121  145   307  28     85   145    307 
with SDBR                        93   91  155   326   93  127  155   326  30     91   155    326 
with SDBR and EEG Rider          95   99  167   349   95  135  167   349  32     99   167    349 
with SDBR and GIA Rider          96  100  170   354   96  136  170   354  33    100   170    354 
with SDBR, EEG, and GIA Riders   98  107  182   377   98  143  182   377  35    107   182    377 
with PDBR                        94   95  162   340   94  131  162   340  31     95   162    340 
with PDBR and EEG Rider          97  103  174   363   97  139  174   363  34    103   174    363 
with PDBR and GIA Rider          97  104  177   368   97  140  177   368  34    104   177    368 
with PDBR, EEG, and GIA Riders  100  112  189   390  100  148  189   390  37    112   189    390 
with EEG                         93   93  157   331   93  129  157   331  30     93   157    331 
with GIA                         94   94  160   336   94  130  160   336  31     94   160    336 
with EEG and GIA Riders          96  102  172   359   96  138  172   359  33    102   172    359 
-------------------------------------------------------------------------------------------------
Mid-Cap Value                                                                                    
without any Rider                89   80  137   290   89  116  137   290  26     80   137    290 
with SDBR                        91   86  146   310   91  122  146   310  28     86   146    310 
with SDBR and EEG Rider          94   94  159   334   94  130  159   334  31     94   159    334 
with SDBR and GIA Rider          94   95  161   338   94  131  161   338  31     95   161    338 
with SDBR, EEG, and GIA Riders   97  102  174   362   97  138  174   362  34    102   174    362 
with PDBR                        93   90  154   324   93  126  154   324  30     90   154    324 
with PDBR and EEG Rider          95   98  166   348   95  134  166   348  32     98   166    348 
with PDBR and GIA Rider          96   99  169   352   96  135  169   352  33     99   169    352 
with PDBR, EEG, and GIA Riders   98  107  181   375   98  143  181   375  35    107   181    375 
with EEG                         92   88  149   315   92  124  149   315  29     88   149    315 
with GIA                         92   89  152   319   92  125  152   319  29     89   152    319 
with EEG and GIA Riders          95   97  164   343   95  133  164   343  32     97   164    343 
-------------------------------------------------------------------------------------------------
International Value                                                                              
without any Rider                90   82  141   298   90  118  141   298  27     82   141    298 
with SDBR                        92   88  150   317   92  124  150   317  29     88   150    317 
with SDBR and EEG Rider          94   96  163   341   94  132  163   341  31     96   163    341 
with SDBR and GIA Rider          95   97  165   346   95  133  165   346  32     97   165    346 
with SDBR, EEG, and GIA Riders   97  105  177   369   97  141  177   369  34    105   177    369 
with PDBR                        93   93  158   331   93  129  158   331  30     93   158    331 
with PDBR and EEG Rider          96  100  170   355   96  136  170   355  33    100   170    355 
with PDBR and GIA Rider          96  102  172   360   96  138  172   360  33    102   172    360 
with PDBR, EEG, and GIA Riders   99  109  185   382   99  145  185   382  36    109   185    382 
with EEG                         92   90  153   322   92  126  153   322  29     90   153    322 
with GIA                         93   91  156   327   93  127  156   327  30     91   156    327 
with EEG and GIA Riders          95   99  168   351   95  135  168   351  32     99   168    351 
-------------------------------------------------------------------------------------------------
Capital Opportunities                                                                            
without any Rider                89   79  136   288   89  115  136   288  26     79   136    288 
with SDBR                        91   85  145   308   91  121  145   308  28     85   145    308 
with SDBR and EEG Rider          93   93  158   332   93  129  158   332  30     93   158    332 
with SDBR and GIA Rider          94   94  160   336   94  130  160   336  31     94   160    336 
with SDBR, EEG, and GIA Riders   96  102  173   360   96  138  173   360  33    102   173    360 
with PDBR                        92   90  153   322   92  126  153   322  29     90   153    322 
with PDBR and EEG Rider          95   97  165   346   95  133  165   346  32     97   165    346 
with PDBR and GIA Rider          95   99  168   350   95  135  168   350  32     99   168    350 
with PDBR, EEG, and GIA Riders   98  106  180   373   98  142  180   373  35    106   180    373 
with EEG                         91   87  148   313   91  123  148   313  28     87   148    313 
with GIA                         92   89  151   318   92  125  151   318  29     89   151    318 
with EEG and GIA Riders          94   96  163   341   94  132  163   341  31     96   163    341 
-------------------------------------------------------------------------------------------------
Mid-Cap Growth                                                                                   
without any Rider                90   82  141   298   90  118  141   298  27     82   141    298 
with SDBR                        92   88  150   317   92  124  150   317  29     88   150    317 
with SDBR and EEG Rider          94   96  163   341   94  132  163   341  31     96   163    341 
with SDBR and GIA Rider          95   97  165   346   95  133  165   346  32     97   165    346 
with SDBR, EEG, and GIA Riders   97  105  177   369   97  141  177   369  34    105   177    369 
with PDBR                        93   93  158   331   93  129  158   331  30     93   158    331 
with PDBR and EEG Rider          96  100  170   355   96  136  170   355  33    100   170    355 
with PDBR and GIA Rider          96  102  172   360   96  138  172   360  33    102   172    360 
with PDBR, EEG, and GIA Riders   99  109  185   382   99  145  185   382  36    109   185    382 
with EEG                         92   90  153   322   92  126  153   322  29     90   153    322 
with GIA                         93   91  156   327   93  127  156   327  30     91   156    327 
with EEG and GIA Riders          95   99  168   351   95  135  168   351  32     99   168    351 
-------------------------------------------------------------------------------------------------

6                                                                               

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-------------------------------------------------------------------------------------------------
                                                                          Expenses if you did not
                                Expenses if you      Expenses if you      annuitize or surrender,
                                annuitized           surrendered          but left the money in  
                                your Contract ($)    your Contract ($)    your 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
-------------------------------------------------------------------------------------------------
                                                                                                 
Global Growth                                                                                    
without any Rider                93   92  157   329   93  128  157   329  30     92   157    329 
with SDBR                        95   98  166   348   95  134  166   348  32     98   166    348 
with SDBR and EEG Rider          98  106  179   371   98  142  179   371  35    106   179    371 
with SDBR and GIA Rider          98  107  181   376   98  143  181   376  35    107   181    376 
with SDBR, EEG, and GIA Riders  101  114  193   398  101  150  193   398  38    114   193    398 
with PDBR                        97  103  174   362   97  139  174   362  34    103   174    362 
with PDBR and EEG Rider          99  110  186   385   99  146  186   385  36    110   186    385 
with PDBR and GIA Rider         100  111  188   389  100  147  188   389  37    111   188    389 
with PDBR, EEG, and GIA Riders  102  119  200   411  102  155  200   411  39    119   200    411 
with EEG                         96  100  169   353   96  136  169   353  33    100   169    353 
with GIA                         96  101  171   358   96  137  171   358  33    101   171    358 
with EEG and GIA Riders          99  109  184   381   99  145  184   381  36    109   184    381 
-------------------------------------------------------------------------------------------------
Equity Index                                                                                     
without any Rider                83   62  107   230   83   98  107   230  20     62   107    230 
with SDBR                        85   68  117   251   85  104  117   251  22     68   117    251 
with SDBR and EEG Rider          88   76  130   276   88  112  130   276  25     76   130    276 
with SDBR and GIA Rider          88   77  132   282   88  113  132   282  25     77   132    282 
with SDBR, EEG, and GIA Riders   91   85  145   306   91  121  145   306  28     85   145    306 
with PDBR                        87   73  125   266   87  109  125   266  24     73   125    266 
with PDBR and EEG Rider          89   80  137   291   89  116  137   291  26     80   137    291 
with PDBR and GIA Rider          90   82  140   296   90  118  140   296  27     82   140    296 
with PDBR, EEG, and GIA Riders   92   89  152   321   92  125  152   321  29     89   152    321 
with EEG                         86   70  120   256   86  106  120   256  23     70   120    256 
with GIA                         86   71  122   261   86  107  122   261  23     71   122    261 
with EEG and GIA Riders          89   79  135   287   89  115  135   287  26     79   135    287 
-------------------------------------------------------------------------------------------------
Small-Cap Index                                                                                  
without any Rider                86   72  123   262   86  108  123   262  23     72   123    262 
with SDBR                        88   78  133   282   88  114  133   282  25     78   133    282 
with SDBR and EEG Rider          91   85  145   307   91  121  145   307  28     85   145    307 
with SDBR and GIA Rider          91   87  148   312   91  123  148   312  28     87   148    312 
with SDBR, EEG, and GIA Riders   94   94  160   336   94  130  160   336  31     94   160    336 
with PDBR                        90   82  140   297   90  118  140   297  27     82   140    297 
with PDBR and EEG Rider          92   90  153   321   92  126  153   321  29     90   153    321 
with PDBR and GIA Rider          93   91  155   326   93  127  155   326  30     91   155    326 
with PDBR, EEG, and GIA Riders   95   99  167   350   95  135  167   350  32     99   167    350 
with EEG                         89   79  135   287   89  115  135   287  26     79   135    287 
with GIA                         89   81  138   292   89  117  138   292  26     81   138    292 
with EEG and GIA Riders          92   88  150   317   92  124  150   317  29     88   150    317 
-------------------------------------------------------------------------------------------------
REIT                                                                                             
without any Rider                92   88  149   315   92  124  149   315  29     88   149    315 
with SDBR                        94   94  159   334   94  130  159   334  31     94   159    334 
with SDBR and EEG Rider          96  101  171   358   96  137  171   358  33    101   171    358 
with SDBR and GIA Rider          97  103  174   362   97  139  174   362  34    103   174    362 
with SDBR, EEG, and GIA Riders   99  110  186   385   99  146  186   385  36    110   186    385 
with PDBR                        95   98  166   348   95  134  166   348  32     98   166    348 
with PDBR and EEG Rider          98  106  179   371   98  142  179   371  35    106   179    371 
with PDBR and GIA Rider          98  107  181   376   98  143  181   376  35    107   181    376 
with PDBR, EEG, and GIA Riders  101  114  193   398  101  150  193   398  38    114   193    398 
with EEG                         94   95  162   339   94  131  162   339  31     95   162    339 
with GIA                         95   97  164   344   95  133  164   344  32     97   164    344 
with EEG and GIA Riders          97  104  176   367   97  140  176   367  34    104   176    367 
-------------------------------------------------------------------------------------------------
Inflation Managed (formerly called Government Securities)                                        
without any Rider                86   72  124   264   86  108  124   264  23     72   124    264 
with SDBR                        88   78  134   284   88  114  134   284  25     78   134    284 
with SDBR and EEG Rider          91   86  146   309   91  122  146   309  28     86   146    309 
with SDBR and GIA Rider          91   87  149   314   91  123  149   314  28     87   149    314 
with SDBR, EEG, and GIA Riders   94   95  161   338   94  131  161   338  31     95   161    338 
with PDBR                        90   83  141   299   90  119  141   299  27     83   141    299 
with PDBR and EEG Rider          92   90  154   323   92  126  154   323  29     90   154    323 
with PDBR and GIA Rider          93   92  156   328   93  128  156   328  30     92   156    328 
with PDBR, EEG, and GIA Riders   96   99  168   352   96  135  168   352  33     99   168    352 
with EEG                         89   80  136   289   89  116  136   289  26     80   136    289 
with GIA                         89   81  139   294   89  117  139   294  26     81   139    294 
with EEG and GIA Riders          92   89  151   319   92  125  151   319  29     89   151    319 
-------------------------------------------------------------------------------------------------

                                                                               7

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-------------------------------------------------------------------------------------------------
                                                                          Expenses if you did not
                                Expenses if you      Expenses if you      annuitize or surrender,
                                annuitized           surrendered          but left the money in  
                                your Contract ($)    your Contract ($)    your 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                87   73  125   266   87  109  125   266  24     73   125    266 
with SDBR                        89   79  135   286   89  115  135   286  26     79   135    286 
with SDBR and EEG Rider          91   86  147   311   91  122  147   311  28     86   147    311 
with SDBR and GIA Rider          92   88  150   316   92  124  150   316  29     88   150    316 
with SDBR, EEG, and GIA Riders   94   95  162   340   94  131  162   340  31     95   162    340 
with PDBR                        90   83  142   301   90  119  142   301  27     83   142    301 
with PDBR and EEG Rider          93   91  154   325   93  127  154   325  30     91   154    325 
with PDBR and GIA Rider          93   92  157   330   93  128  157   330  30     92   157    330 
with PDBR, EEG, and GIA Riders   96  100  169   354   96  136  169   354  33    100   169    354 
with EEG                         89   80  137   291   89  116  137   291  26     80   137    291 
with GIA                         90   82  140   296   90  118  140   296  27     82   140    296 
with EEG and GIA Riders          92   89  152   321   92  125  152   321  29     89   152    321 
-------------------------------------------------------------------------------------------------
Money Market                                                                                     
without any Rider                84   65  111   240   84  101  111   240  21     65   111    240 
with SDBR                        86   71  122   260   86  107  122   260  23     71   122    260 
with SDBR and EEG Rider          89   79  134   285   89  115  134   285  26     79   134    285 
with SDBR and GIA Rider          89   80  137   290   89  116  137   290  26     80   137    290 
with SDBR, EEG, and GIA Riders   92   88  149   315   92  124  149   315  29     88   149    315 
with PDBR                        88   76  129   275   88  112  129   275  25     76   129    275 
with PDBR and EEG Rider          90   83  142   300   90  119  142   300  27     83   142    300 
with PDBR and GIA Rider          91   85  144   305   91  121  144   305  28     85   144    305 
with PDBR, EEG, and GIA Riders   93   92  157   329   93  128  157   329  30     92   157    329 
with EEG                         87   73  124   265   87  109  124   265  24     73   124    265 
with GIA                         87   74  127   271   87  110  127   271  24     74   127    271 
with EEG and GIA Riders          90   82  139   296   90  118  139   296  27     82   139    296 
-------------------------------------------------------------------------------------------------
High Yield Bond                                                                                  
without any Rider                87   73  125   266   87  109  125   266  24     73   125    266 
with SDBR                        89   79  135   286   89  115  135   286  26     79   135    286 
with SDBR and EEG Rider          91   86  147   311   91  122  147   311  28     86   147    311 
with SDBR and GIA Rider          92   88  150   316   92  124  150   316  29     88   150    316 
with SDBR, EEG, and GIA Riders   94   95  162   340   94  131  162   340  31     95   162    340 
with PDBR                        90   83  142   301   90  119  142   301  27     83   142    301 
with PDBR and EEG Rider          93   91  154   325   93  127  154   325  30     91   154    325 
with PDBR and GIA Rider          93   92  157   330   93  128  157   330  30     92   157    330 
with PDBR, EEG, and GIA Riders   96  100  169   354   96  136  169   354  33    100   169    354 
with EEG                         89   80  137   291   89  116  137   291  26     80   137    291 
with GIA                         90   82  140   296   90  118  140   296  27     82   140    296 
with EEG and GIA Riders          92   89  152   321   92  125  152   321  29     89   152    321 
-------------------------------------------------------------------------------------------------
Large-Cap Value                                                                                  
without any Rider                89   81  138   292   89  117  138   292  26     81   138    292 
with SDBR                        91   87  147   311   91  123  147   311  28     87   147    311 
with SDBR and EEG Rider          94   94  160   335   94  130  160   335  31     94   160    335 
with SDBR and GIA Rider          94   96  162   340   94  132  162   340  31     96   162    340 
with SDBR, EEG, and GIA Riders   97  103  175   364   97  139  175   364  34    103   175    364 
with PDBR                        93   91  155   326   93  127  155   326  30     91   155    326 
with PDBR and EEG Rider          95   99  167   349   95  135  167   349  32     99   167    349 
with PDBR and GIA Rider          96  100  170   354   96  136  170   354  33    100   170    354 
with PDBR, EEG, and GIA Riders   98  107  182   377   98  143  182   377  35    107   182    377 
with EEG                         92   88  150   317   92  124  150   317  29     88   150    317 
with GIA                         92   90  153   321   92  126  153   321  29     90   153    321 
with EEG and GIA Riders          95   97  165   345   95  133  165   345  32     97   165    345 
-------------------------------------------------------------------------------------------------

8                                                                               

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                    The following is added to the PURCHASING YOUR CONTRACT
   section on Page 15 of the Prospectus:

              Purchasing the Guaranteed Income Advantage Rider
(Optional)                        
                    You may purchase the GIA Rider on the Contract Date or
                   on any Contract Anniversary. You may purchase the GIA
                    Rider only if the age of each Annuitant is 80 years or
                     younger on the date the GIA Rider is purchased. The GIA
               Rider will remain in effect until the earlier of:

                 . a full withdrawal of the amount available for
    withdrawal under the Contract;

                       . a death benefit becomes payable under the Contract;

                      . any termination of the Contract in accordance with
the terms of the Contract;

. the Annuity Date; or        

 . termination of the GIA Rider.

                   You may terminate the GIA Rider on the fifth Contract
               Anniversary or on any later Contract Anniversary.

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

             The following is added to the CHARGES, FEES AND
              DEDUCTIONS section on Page 22 of the Prospectus:

                 Annual Guaranteed Income Advantage Charge (Optional
Rider)                            
                 If you purchase the GIA Rider, we deduct annually a
                   Guaranteed Income Advantage Charge ("GIA Charge") for
                  expenses related to the GIA Rider. The GIA Charge is
                     equal to 0.30% multiplied by your Contract Value on the
date the Charge is deducted.      

                We will deduct the GIA Charge from your Investment
Options on a proportionate basis: 

                      . on each Contract Anniversary the GIA Rider remains
in effect;                

                     . on the Annuity Date, if the GIA Rider is still in
effect;                   

     . when the GIA Rider is terminated.

                    Any portion of the GIA Charge we deduct from the Fixed
                 Option will not be greater than the annual interest
                credited in excess of 3%. If you terminate the GIA
                    Rider, we will charge your Contract for the annual GIA
                 Charge on the effective date of termination. If you
                make a full withdrawal of the amount available for
                   withdrawal during a Contract Year, we will deduct the
                    entire GIA Charge for the Contract Year from the final
payment made to you.              

                   The following is added to the RETIREMENT BENEFITS AND
               OTHER PAYOUTS section under Choosing Your Annuity
           Option starting on page 24 of the Prospectus:

        Guaranteed Income Advantage Annuity Option
                  If you purchase the GIA Rider, you may choose any of
                     the Annuity Options described in the Prospectus, or you
                may choose the Guaranteed Income Advantage Annuity
                    Option if 10 years have passed since the GIA Rider was
                 purchased and the GIA Rider is still in effect. You
           must choose fixed annuity payments under this
         Guaranteed Income Advantage Annuity Option.

                                                                               9

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                   The guaranteed income purchased per $1,000 of the net
                     amount applied to the annuity payments will be based on
                   an annual interest rate of 2.5% and the 1983a Annuity
                     Mortality Table with the age set back 10 years. The net
              amount applied to the annuity payments under the
                Guaranteed Income Advantage Annuity Option will be
                    based on the higher of the following Guaranteed Income
                   Base or the Enhanced Income Base, which are described
below.                            

                 1. Guaranteed Income Base - If you purchase the GIA
                     Rider on the Contract Date, the Guaranteed Income
                  Base is equal to the Purchase Payments less an
                     adjustment for each withdrawal, increased at a 5%
                       effective annual rate of interest. We calculate the
                     adjustment for each withdrawal by multiplying the
                       Guaranteed Income Base prior to a withdrawal by the
                    ratio of the amount of the withdrawal, including
                        applicable withdrawal charges, to the Contract Value
    immediately prior to withdrawal.

               If you purchase the GIA Rider on a Contract
                       Anniversary after the Contract Date, the Guaranteed
                     Income Base is equal to the Contract Value on the
                      date the GIA Rider is purchased, plus all Purchase
                        Payments made after the GIA Rider is purchased, less
                     an adjustment for each withdrawal occurring after
                     the GIA is purchased, increased at a 5% effective
                        annual rate of interest. We calculate the adjustment
                     for each withdrawal by multiplying the Guaranteed
                       Income Base prior to the withdrawal by the ratio of
                      the amount of the withdrawal, including applicable
             withdrawal charges, to the Contract Value
        immediately prior to the withdrawal.

                        The effective annual rate of interest will take into
                        account the timing of when each Purchase Payment and
                       withdrawal occurred. We accomplish this by applying
               a daily factor of 1.000133681 to each day's
                    Guaranteed Income Base balance. The 5% effective
                        annual rate of interest will stop accruing as of the
earlier of:                 

                 . the Contract Anniversary following the date the
                        youngest Annuitant reaches his or her 80th birthday;

               . a full withdrawal of the amount available for
  withdrawal under the Contract;

                     . a death benefit becomes payable under the Contract;

                    . any termination of the Contract in accordance with
   the provisions of the Contract;

. the Annuity Date; or          

. termination of the GIA Rider. 

                    On the Annuity Date and if the GIA Rider has not
                      terminated, the net amount we apply to the annuity
                       payments will be the Guaranteed Income Base reduced
                       by any remaining withdrawal charges associated with
                       additional Purchase Payments added to the Contract,
             any applicable state premium tax, and any
outstanding Contract Debt.  

                   2. Enhanced Income Base - The Enhanced Income Base is
                        equal to your Net Contract Value on the Annuity Date
                  plus an additional 15% of the amount equal to:

             . the Net Contract Value on the Annuity Date;

                      . less the sum of all Purchase Payments applied to the
                        Contract in the 12 months prior to the Annuity Date.

                 On the Annuity Date, the net amount we apply to the
               annuity payments will be the Enhanced Income Base
               reduced by any withdrawal charges associated with
                    additional Purchase Payments added to the Contract and
any applicable state premium tax. 

10                                                                              

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               The structure of the annuity payments that may be
                   elected under the Guaranteed Income Advantage Annuity
Option are:                       

. 15 years or more Period Certain;

. Life;                           

. Joint and Survivor Life;        

          . Life with 10 Years or More Period Certain.

                   If you purchase the Guaranteed Income Advantage (GIA)
                   Annuity Option, the waiver of withdrawal charges upon
                  annuitization will not apply. We will reduce the net
              amount applied to the annuity payments under the
               Guaranteed Income Advantage Annuity Option by any
              remaining withdrawal charges. The rider contains
                   annuity tables for each GIA Annuity Option available.

Form No. PISGIA0701                                                             

                                                                              11

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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, 2000 which are incorporated by
                         reference from the 2000 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, 2000 and 1999, and for the
                      three year period ended December 31, 2000,
                        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./1/  

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2. Not applicable             

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

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

                        4. (a)   (1)  Pacific Innovations - Form of Individual
                                Flexible Premium Deferred Variable
                                      Annuity Contract (Form No. 10-12600) /1/

                             (2)  Pacific Innovations Select - Form of
                                  Individual Flexible Premium Deferred
                       Variable Annuity Contract
                     (Form No. 10-13000) /5/

                    (b)   Qualified Pension Plan Rider (Form No.
  R90-PEN-V) /1/

                      (c)   403(b) Tax-Sheltered Annuity Rider (Form
     No. 20-13300) /5/

    (d)   Section 457 Plan Rider
            (Form No. 24-123799) /1/

                       (e)   Individual Retirement Annuity Rider (Form
     No. 20-13900) /4/

                      (f)   Roth Individual Retirement Annuity Rider
             (Form No. R-RIRA 198) /1/

                        (g)   Simple Individual Retirement Annuity Rider
       (Form 20-13400) /4/

                         (h)   (1)  Pacific Innovations - Stepped-Up Death
                                   Benefit Rider (Form No. 20-12601) /1/

                                (2)  Pacific Innovations Select - Stepped-Up
                 Death Benefit Rider
                     (Form No. 20-13500) /5/

                      (i)   (1)  Pacific Innovations - Premier Death
                                   Benefit Rider (Form No. 20-12602) /1/

                             (2)  Pacific Innovations Select - Premier
                 Death Benefit Rider
                     (Form No. 20-13600) /5/

                         (j)   Guaranteed Earnings Enhancement (GEE) Rider
           (Form No. 20-14900) /6/

                      5. (a)   (1)  Pacific Innovations - Variable Annuity
                                 Application (Form No. 25-12610) /4/

                              (2)  Pacific Innovations Select - Variable
                 Annuity Application
                     (Form No. 25-13000) /5/

          (b)   Variable Annuity PAC APP /1/

               (c)   Application/Confirmation Form /2/

                           (d)   Form of Guaranteed Earnings Enhancement (GEE)
                  Rider Request Application. /6/

                       6. (a)   Pacific Life's Articles of Incorporation /1/

         (b)   By-laws of Pacific Life /1/

7. Not applicable             

           8. (a)   Fund Participation Agreement /7/

                          (b)   Addendum to the Fund Participation Agreement
                              (to add the Strategic Value and Focused 30
   Portfolios) /7/

                          (c)   Addendum to the Fund Participation Agreement
                    (to add nine new Portfolios) /7/

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

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      10.  Independent Auditors' Consent /7/

11.  Not applicable             

12.  Not applicable             

           13.  (1)  Pacific Innovations - Performance
    Calculations /7/
                       (2)  Pacific Innovations Select - Performance
    Calculations /7/

14.  Not applicable             

15.  Powers of Attorney /2/     

16.  Not applicable             

/1/ Included in Registrant's Form N-4, File No. 333-93059, Accession No.        
0000912057-99-009849 filed on December 17, 1999 and incorporated by reference   
herein.                                                                         

/2/ Included in Registrant's Form N-4, File No. 333-93059, Accession No.        
0000912057-00-015739 filed on March 31, 2000 and incorporated by reference      
herein.                                                                         

/3/ Included in Registrant's Form N-4/A, File No. 333-93059, Accession No.      
0000912057-00-018010 filed on April 14, 2000 and incorporated by reference      
herein.                                                                         

/4/ Included in Registrant's Form N-4/B, File No. 333-93059, Accession No.      
0000912057-00-052614 filed on December 7, 2000 and incorporated by reference    
herein.                                                                         

/5/ Included in Registrant's Form N-4/A, File No. 333-93059, Accession No.      
0000912057-00-055027 filed on December 28, 2000 and incorporated by reference   
herein.                                                                         

/6/ Included in Registrant's Form N-4/A, File No. 333-93059 Accession No.       
0000912057-01-007165 filed on March 2, 2001 and incorporated by reference       
herein.                                                                         

/7/ Included in Registrant's Form N-4/A, File No. 333-93059, Accession No.      
0000912057-01-510459 filed on April 25, 2001 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                                                 

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

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Item 27.  Number of Contractholders                                             

(1)  Pacific Innovations - Approximately         2,574  Qualified     
                                                2,402  Non Qualified

(2)  Pacific Innovations Select - Approximately    359  Qualified     
                                                  301  Non Qualified

Item 28.  Indemnification                                                       

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

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

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

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

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

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   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 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.

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Item 29.  Principal Underwriters                                                

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

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

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

Item 30.  Location of Accounts and Records                                      

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

Item 31.  Management Services                                                   

Not applicable                                              

Item 32.  Undertakings                                                          

The registrant hereby undertakes:                           

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

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

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

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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. 

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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. 7 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 10th day of May, 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. 7 to the Registration Statement has been signed below by the      
following persons in the capacities and on the dates indicated:                 

                                                                [Download Table]


Signature                                  Title                       Date   
                                                                              

-----------------            Director, Chairman of the Board      May 10, 2001
Thomas C. Sutton*            and Chief Executive Officer                      

-----------------            Director and President               May 10, 2001
Glenn S. Schafer*                                                             

-----------------            Director, Executive Vice President   May 10, 2001
Khanh T. Tran*               and Chief Financial Officer                      

-----------------            Director, Senior Vice President      May 10, 2001
David R. Carmichael*         and General Counsel                              

-----------------            Director, Vice President and         May 10, 2001
Audrey L. Milfs*             Corporate Secretary                              

-----------------            Vice President and Controller        May 10, 2001
Edward R. Byrd*                                                               

-----------------            Vice President and Treasurer         May 10, 2001
Brian D. Klemens*                                                             

-----------------            Executive Vice President             May 10, 2001
Gerald W. Robinson*                                                           

*By: /s/ DAVID R. CARMICHAEL                                      May 10, 2001
    ------------------------                                                  
    David R. Carmichael                                                       
    as attorney-in-fact                                                       

(Powers of Attorney are contained in Pre-Effective Amendment No. 1 of the       
Registration Statement filed on March 31, 2000 on Form N-4/A for Separate       
Account A, File No. 333-93059, Accession No. 0000912057-00-015739, 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
		7/9/01		4
Filed on:		5/10/01		1		23
		5/1/01		1		4			485BPOS
		4/25/01		2		17			485BPOS
		3/2/01		17					485APOS
		12/31/00		15					24F-2NT,  NSAR-U
		12/28/00		17					485APOS
		12/7/00		17					485BPOS,  497
		4/14/00		17					N-4/A
		3/31/00		17		23			N-4/A
		12/31/99		15					24F-2NT,  NSAR-U
		12/20/99		17					497,  N-4
		12/17/99		17
									List all Filings

5 Subsequent Filings that Reference this Filing

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

 4/15/24  Sep Acct A of Pacific Life Ins Co 485BPOS     5/01/24    4:15M                                    Toppan Merrill/FA
 4/17/23  Sep Acct A of Pacific Life Ins Co 485BPOS     5/01/23    3:14M                                    Toppan Merrill/FA
 4/18/22  Sep Acct A of Pacific Life Ins Co 485BPOS     5/01/22    3:52M                                    Toppan Merrill/FA
10/20/21  Sep Acct A of Pacific Life Ins Co 485BPOS    10/20/21    2:626K                                   Toppan Merrill/FA
 4/19/21  Sep Acct A of Pacific Life Ins Co 485BPOS     5/01/21    4:38M                                    Toppan Merrill/FA