"We value our existing policyowners as highly as our new purchasers."

From the day our doors opened in 1868, we have prided ourselves in making our policyowners a top priority.

	Your Promise is Our Commitment
» "Our Policyowners are important to us - whether you bought a life insurance policy years ago or today."

Founded in 1868, Pacific Life Insurance Company has been serving the financial and estate planning needs of individuals through our life insurance products. And we’ve seen incredible change during that time.

From hearing the first telephone conversation to listening to a man speak from the moon, we’ve been there. When the country was first connected by railway, we saw it happen — and now, almost a century and a half later, we conduct business in a world united by the Internet.

Though times have certainly changed, our commitment to our policyowners has not.

At Pacific Life, we put the interests of our policyowners first and foremost. From offering cutting-edge life insurance products to innovative services, our goal is to provide our policyowners with the best we can offer.

Life insurance is a long-term purchase and we want you to feel satisfied with the policies you buy. As we have grown over the years, we have not only offered new products, but have also passed on improvements to our existing policyowners.

Our philosophy of making our policyowners a top priority, when combined with our approach to both our new and in-force policies, could save our policyowners a projected $250 million in Cost of Insurance charges over the next 30 years.

	Reductions In Current Cost Of Insurance Rates (Improvements Made To New And Existing Policies)
Effective Date Product Improved Effective Date Product Improved December, 1985 Versa Flex* January, 1999 Pacific Estate Preserver* January, 1987 Flex II* July, 1999 Flex VI* April, 1996 Pacific Estate Preserver* January, 2000 Pacific Select Exec* Pacific Select Choice* June, 1996 Pacific Select Exec* April, 2001 Survivor Life* September, 1996 Pro 10 and Pro 100 April, 2002 Pacific Select Exec II* November, 1998 Versa Flex III* Versa Flex IV* Pacific Select Estate Preserver* Pacific Select Estate Preserver II* Pacific Protector*

* product no longer available for new sales

The Power to Help You Succeed

Pacific Life Insurance Company, 45 Enterprise, Aliso Viejo, CA 92656
(800)800-7681

Current variable universal life insurance product and underlying fund prospectuses must precede or accompany this brochure. Prospectuses give you detailed information about policy fees, charges, and limitations. Read the prospectuses carefully before you invest or send money.

Pacific Life Insurance Company is licensed to issue individual life insurance and annuity products in all states except New York. Product availability and features may vary by state. Product and rider guarantees are backed by the financial strength and claims paying ability of Pacific Life.

Variable insurance products issued by Pacific Life Insurance Company are distributed by Pacific Select Distributors, Inc. (member FINRA & SIPC), a subsidiary of Pacific Life, and are available through licensed third-party broker-dealers.

Pacific Life Insurance Company’s individual life insurance products are marketed exclusively through independent third-party.

Policy Form #s 88-52, 92-54, 94-15, 96-56, 97-50, 97-50J, 97-56, 98-42, 98-43, 98-52, 98-52M, 0056, 0057, 00V5

CWEB-L-111C