Our philosophy of putting our policyowners first, 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

Pacific Life Insurance Company, 700 Newport Center Drive, Newport Beach, CA 92660 (800) 800-7681. For complete information about Pacific Life's variable universal life insurance products including charges and expenses, contact your registered representative or Pacific Life for prospectuses. Read the prospectuses carefully before investing or sending money. Pacific Life Insurance Company is licensed to solicit individual life insurance and annuity products in all state except New York. Product availability and features may vary by state. Variable life 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.

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