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Variable Universal Life Insurance Investment Options

A variable life insurance policy is primarily purchased to provide death benefit protection. Additionally, owning a policy requires decisions about allocating your policy cash values among the product's variable and fixed investment options. Every investment involves some level of risk for the opportunity to earn a greater return. Finding the right balance between them is critical.

With its variable life insurance products, Pacific Life offers a broad range of investment options. The variable investment options shown near the top of this chart may provide you with the potential reward of greater returns, if you are willing to take on additional risk. When evaluating these investment options, you and your life insurance producer or financial advisor* should select your investment options based on your unique investment objectives, financial circumstances, and willingness to tolerate risk.  

The investment options within each subcategory are listed alphabetically and do not illustrate a continuum of risk/reward. Generally, portfolios of fixed income securities are less aggressive than portfolios of equity securities. While fixed income portfolios tend to be less aggressive, they still carry a variety of risks, and some will have more risks than others. Before investing, you should carefully read the investment options' prospectuses and review the investment goals/objectives and risks of the investment options.

All Pacific Select Fund Portfolios are Class I unless otherwise noted below.

 

  Equity Portfolios
   
Sector & Alternative Investment
BlackRock iShares® Alternative Strategies V.I. Cl I
MFS Utilities Series Service Shares
PSF Currency Strategies Portfolio
PSF Diversified Alternatives Portfolio
PSF Equity Long/Short Portfolio
PSF Health Sciences Portfolio
PSF Long/Short Large-Cap Portfolio
PSF Real Estate Portfolio
PSF Technology Portfolio
VanEck VIP Global Hard Assets Fund Initial Class
   
   
International & Global
BlackRock iShares Equity Appreciation V.I. Cl I
Invesco V.I. International Growth Series II
Janus Aspen Series Overseas Portfolio Service Shares
M International Equity Fund
Oppenheimer Global Fund/VA Service Shares
PSF Emerging Markets Portfolio
PSF International Large-Cap Portfolio
PSF International Small-Cap Portfolio
PSF International Value Portfolio
Templeton Foreign VIP Fund Class 2
   
   
Small-Companies
Lord Abbett Series Fund Developing Growth VC
MFS New Discovery Series Service Shares
PSF Small-Cap Equity Portfolio
PSF Small-Cap Index Portfolio
PSF Small-Cap Value Portfolio
Royce Capital Fund--Micro-Cap Portfolio Service Class
 
   
   
Medium-Companies
American Century VP Mid Cap Value II
Fidelity VIP Mid Cap Service Class SC2
Fidelity VIP Value Strategies SC2
Janus Aspen Series Enterprise Portfolio Service Shares
ClearBridge Variable Mid Cap Portfolio Class II
M Capital Appreciation Fund
PSF Mid-Cap Equity Portfolio
PSF Mid-Cap Growth Portfolio
PSF Mid-Cap Value Portfolio
   
   
Large-Companies
American Funds Insurance Series® Growth Cl 4
American Funds Insurance Series Growth-Income Cl 4
BlackRock Basic Value V.I. III
Dreyfus VIF Appreciation Portfolio Service Shares
Fidelity VIP Contrafund® SC2
Fidelity VIP Growth SC2
Lazard Retirement U.S. Strategic Equity Portfolio
ClearBridge Variable Aggressive Growth Portfolio Class II
Lord Abbett Series Fund Fundamental Equity VC
M Large Cap Growth Fund
M Large Cap Value Fund
MFS Value Series Service Class
Neuberger Berman AMT Socially Responsive I Class
PSF Comstock Portfolio
PSF Dividend Growth Portfolio
PSF Equity Index Portfolio
PSF Focused Growth Portfolio
PSF Growth Portfolio
PSF Large-Cap Growth Portfolio
PSF Large-Cap Value Portfolio
PSF Main Street® Core Portfolio
PSF Value Advantage Portfolio
T. Rowe Price Blue Chip Growth Portfolio-II
T. Rowe Price Equity Income Portfolio-II
   
   
  Asset Allocation Portfolios 
   
Multi-Asset Class
American Funds Insurance Series Asset Allocation Cl 4
BlackRock Global Allocation V.I. III
BlackRock iShares Dynamic Allocation V.I. Cl I
Fidelity VIP Freedom 2010 SC2
Fidelity VIP Freedom 2015 SC2
Fidelity VIP Freedom 2020 SC2
Fidelity VIP Freedom 2025 SC2
Fidelity VIP Freedom 2030 SC2
Fidelity VIP Freedom 2035 SC2
Fidelity VIP Freedom 2045 SC2
Fidelity VIP Freedom Income SC2
GE Investments Total Return 3
Lazard Retirement Global Dynamic Multi Asset Service Class
PSF DFA Balanced Allocation Portfolio Class D
PSF Portfolio Optimization Aggressive-Growth Portfolio
PSF Portfolio Optimization Conservative Portfolio
PSF Portfolio Optimization Growth Portfolio
PSF Portfolio Optimization Moderate-Conservative Portfolio
PSF Portfolio Optimization Moderate Portfolio
PSF Pacific Dynamix - Conservative Growth Portfolio
PSF Pacific Dynamix - Growth Portfolio
PSF Pacific Dynamix - Moderate Growth Portfolio
PIMCO VIT Global Multi-Asset Managed Allocation--Advisor Class
   
   
  Fixed Income Portfolios
   
Non-Traditional
PSF Absolute Return Portfolio
PSF Global Absolute Return Portfolio
   
   
International Bond
PSF Emerging Markets Debt Portfolio
Templeton Global Bond VIP Fund Class 2
   
   
Below Investment Grade Quality 
Lord Abbett Series Fund Bond Debenture VC
PSF Floating Rate Income Portfolio
PSF Floating Rate Loan Portfolio
PSF High Yield Bond Portfolio
   
   
Intermediate Duration
BlackRock iShares Dynamic Fixed Income V.I. Cl I
Lord Abbett Series Fund Total Return VC
PSF Core Income Portfolio
PSF Diversified Bond Portfolio
PSF Inflation Managed Portfolio
PSF Inflation Strategy Portfolio
PSF Managed Bond Portfolio
   
   
Shorter Duration
PSF Short Duration Bond Portfolio
   
   
  Money Market Portfolios
   
Money Market Instruments
Fidelity VIP Government Money Market Service Class

 

CWEB-L-42A

 


*In order to sell life insurance, a financial professional must be a properly licensed and appointed life insurance producer.

Every variable investment option has some degree of risk depeneding on what it invests in and what strategies it uses. While all variable investment options are subject to market risk, some investment options may be subject to greater volatility than others. The variable investment options are not FDIC insured or guaranteed. Before investing, you should carefully read the applicable fund prospectuses.

Pacific Life Insurance Company's variable universal life insurance products offer a wide variety of variable investment options. Each variable investment option invests in a corresponding portfolio of the American Century Variable Portfolios, Inc., American Funds Insurance Series® Funds, BlackRock® Variable Series Funds, Inc., Dreyfus Variable Investment Fund, Fidelity® Variable Insurance Products Funds, Franklin Templeton Variable Insurance Products Trust, GE Investments Funds, Inc., Invesco Variable Insurance Funds, Janus Aspen Series, Lazard Retirement Series, Inc., Legg Mason Partners Variable Equity Trust, Legg Mason Partners Variable Income Trust, Lord Abbett Series Fund, Inc., MFS® Variable Insurance Trust, M Fund Inc., Neuberger Berman Advisers Management Trust, Oppenheimer Variable Account Funds, Pacific Select Fund, PIMCO Variable Insurance Trust, Royce Capital Fund, T. Rowe Price Equity Series, Inc., or VanEck VIP Trust.

Pacific Life Fund Advisors LLC (PLFA), the investment adviser to the Pacific Select Fund (PSF) and the manager of certain PSF portfolios, also does business under the name Pacific Asset Management and manages certain PSF portfolios under that name.

American Century Investment Services, Inc., American Funds Insurance Series, BlackRock Investments, LLC, Fidelity Distributors Corporation, Franklin
Templeton Distributors, Inc., GE Investment Distributors, Inc., Invesco Distributors, Inc., Janus Distributors LLC, Lazard Asset Management Securities
LLC, Legg Mason Investor Services, LLC, Lord Abbett Distributor LLC, M Financial Group, M Holdings Securities, Inc., MBSC Securities Corporation,
MFS Fund Distributors, Inc., Neuberger Berman Management LLC, OppenheimerFunds Distributor, Inc., PIMCO Investments LLC, Royce Fund
Services, Inc., T. Rowe Price Investment Services, Inc., and Van Eck Securities Corporation, and the products each distributes, are not affiliated with Pacific Life and Pacific Select Distributors, LLC.


Although some funds may have names of investment goals/objectives that resemble retail mutual funds managed by the fund managers, these funds will not have the same underlying holdings or performance as the retail mutual funds.


This material must be preceded or accompanied by the variable life insurance product prospectus. Contact your life insurance producer or visit HYPERLINK "http://www.Pacificlife.com" www.Pacificlife.com for more information, including product and underlying fund prospectuses that contain more complete information about a Pacific Life and a variable life insurance policy’s risks, charges, limitations, and expenses, as well as the risks, charges, expenses, and investment goal/objectives of the underlying investment options. Read them carefully before investing or sending money.


Pacific Life refers to Pacific Life Insurance Company and its affiliates, including Pacific Life & Annuity Company. Insurance products are issued by Pacific Life Insurance Company in all states except New York and in New York by Pacific Life & Annuity Company. Product availability and features may vary by state. Each insurance company is solely responsible for the financial obligations accruing under the products it issues. Insurance products and their guarantees, including optional benefits and any crediting rates, are backed by the financial strength and claims-paying ability of the issuing insurance company, but they do not protect the value of the variable investment options. Look to the strength of the life insurance company with regard to such guarantees as these guarantees are not backed by the broker-dealer, insurance agency or their affiliates from which products are purchased. Neither these entities nor their representatives make any representation or assurance regarding the claims-paying ability of the life insurance company. Variable insurance products are distributed by Pacific Select Distributors, LLC (member FINRA & SIPC), a subsidiary of Pacific Life Insurance Company, and an affiliate of Pacific Life & Annuity Company, and are available through licensed third-party broker-dealers.

All American Funds trademarks referenced in this publication are registered trademarks owned by American Funds Distributors, Inc.
BlackRock and iShares is a registered trademark of BlackRock, Inc. All other trademarks are the property of their respective owners.

Fidelity and Contrafund are registered trademarks of FMR LLC.
Janus is a registered trademark of Janus International Holding LLC.

MFS is a registered trademark of Massachusetts Financial Services Company.
Main Street is a registered trademark of OppenheimerFunds, Inc.
 
Pacific Life is located in Newport Beach, CA.