Pacific Prime UL-NLG is a universal life insurance policy that offers: 1) A no-lapse guarantee of coverage for durations up to a lifetime, provided premiums are paid as planned. 2) Optional riders for additional insured family members and benefits in case of disability, terminal illness, or accidental death. 3) Tax benefits including tax-free death benefits, tax-deferred cash value growth, and potential tax-free income from withdrawals or loans.

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Pacific Prime UL-NLG
Help Protect Your Assets with Life Insurance
In planning for a financially secure future for yourself and your from your policy with your insurance professional and choose
loved ones, have you considered the impact of taxes? Without wisely when considering accessing your policy’s cash value.
proper planning, your financial legacy can be eroded by 30%1
Flexible and efficient, life insurance can be used to transfer
or more due to income and estate2 taxes at your death.
and preserve wealth for generations. See what it can do for
Life insurance is designed to help. It is the only asset that can you. Help protect your assets with Pacific Prime UL-NLG5, a
offer all three of the following tax benefits: 1) a tax-free3 death universal life insurance policy that provides flexible no-lapse
benefit for loved ones, 2) tax-deferred growth of the policy’s guarantees of up to a lifetime.
cash value, and 3) a potential tax-free4 income stream through
withdrawals and policy loans. Keep in mind that withdrawals
and loans will shorten or negate the no-lapse guarantee of this
policy. So discuss the impact of taking withdrawals and loans Simple, Powerful, Permanent Asset Protection
Pacific Prime UL-NLG offers: Helping You Protect Your Assets
e No-Lapse Guarantee Durations of Up to a Lifetime Pacific Prime UL-NLG may help you if you have the
e Guaranteed Interest Crediting Rates following traits:
e Flexible Premiums e Moderate to high net worth
Plus… e Close-knit family
e Age 50 or older
e Tax-Free3 Death Benefit for Loved Ones e Have sufficient source of retirement income elsewhere
e Tax-Deferred Growth of Cash Value e Need for legacy planning or estate tax planning
e Tax-Free4 Access Options for You e Potential desire for charitable gifting
Investment and Insurance Products: Not a Deposit — Not FDIC Insured —
Not Insured by any Federal Government Agency — No Bank Guarantee — May Lose Value

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It Can Be as Easy as 1 - 2 - 3.
Is Pacific Prime UL-NLG right for you? Start by asking
yourself just 3 simple questions:
Do you want flexible life insurance coverage that can Do you want extra protection in case you become
1 cover your whole family in one convenient policy? 3 disabled, terminally ill, or die due to an accident?
Do you want a guarantee that your coverage will
2 stay in place, no matter what happens to your
policy’s performance?
Take a closer look at how Pacific Prime UL-NLG
can help you address these questions.
1 Marginal income tax bracket.
2 From January 1, 2011 to December 31, 2012, the federal estate tax exemption amount is $5,000,000 (indexed for inflation starting January 1, 2012); the maximum estate tax rate is 35%;
and, the rules regarding step-up in basis for property transferred at death are reinstated. Also over the same time period, if the executor of a deceased spouse’s estate so elects, the surviving spouse
could later use his or her own unused estate tax exemption, plus the unused exemption of his or her most recent deceased spouse.
3 For federal income tax purposes, life insurance death benefits generally pay income tax-free to beneficiaries pursuant to IRC Section 101(a)(1). In certain situations, however, life insurance
death benefits may be partially or wholly taxable. Situations include, but are not limited to: the transfer of a life insurance policy for valuable consideration unless the transfer qualifies for
an exception under IRC Section 101(a)(2) (i.e. the “transfer-for-value rule”); arrangements that lack an insurable interest based on state law; and an employer-owned policy unless the policy
qualifies for an exception under IRC Section 101(j).
4 Tax-free income assumes, among other things: (1) withdrawals do not exceed tax basis (generally, premiums paid less prior withdrawals); (2) policy remains in force until death;
(3) withdrawals taken during the first 15 policy years do not occur at the time of, or during the two years prior to, any reduction in benefits; and (4) the policy does not become a modified
endowment contract. See IRC Sections 7702(f)(7)(B), 7702A. Any policy withdrawals, loans and loan interest will reduce policy values and may reduce benefits.
5 Policy Form #P10P1N.

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1 Flexible Coverage Options for the Whole Family
Pacific Prime UL-NLG can help provide financial protection just you or, through optional policy benefits called riders7,
for you, your family, your business, and your legacy through a your whole family.
tax-free6 death benefit. You can structure your policy to cover
Death Benefit Coverage
Basic Coverage on the primary insured (you). Optional level term insurance on any member of your
immediate family.
Annual Renewable Term Rider—Additional Insured
(Form #R08RTA)7 - Covers any member of the primary insured’s
immediate family.
Children’s Term Rider (Form #R84-CT)7 - Covers primary insured’s
children aged 14 days to 25 years.
6 For federal income tax purposes, life insurance death benefits generally pay income tax-free to beneficiaries pursuant to IRC Section 101(a)(1). In certain situations, however, life insurance death benefits
may be partially or wholly taxable. Situations include, but are not limited to: the transfer of a life insurance policy for valuable consideration unless the transfer qualifies for an exception under IRC
Section 101(a)(2) (i.e. the “transfer-for-value rule”); arrangements that lack an insurable interest based on state law; and an employer-owned policy unless the policy qualifies for an exception under IRC
Section 101(j).
7 Riders will likely incur additional charges and are subject to state availability, restrictions, and limitations. When considering a rider, request a policy illustration from your insurance professional to see
the rider’s impact on your policy’s values.

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Flexibility for Growing Families
What if you get married or have a baby before your 40th birthday? You can buy additional death benefit coverage without
requiring further medical underwriting through the Guaranteed Insurability Rider (Form #R93-GI).7 Just contact us within 31
days of a qualifying event. See your policy for age-based coverage limits and other guidelines.

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2 Guarantee Your Death Benefit for the Duration You Choose
We understand that you have better things to worry about To provide the security of guaranteed coverage at predictable
than your life insurance policy. That’s why Pacific Prime UL- premiums, the Flexible Duration No-Lapse Guarantee III
NLG features a guarantee to help keep your policy in-force Rider (Form #R03FNL)8 guarantees that your policy will stay
even if your policy’s cash value drops to zero. in force for the duration you choose, no matter how your
policy performs.9
Without this guarantee, as long as your policy has enough
cash value to pay monthly policy charges, your policy would Choose your no-lapse guarantee duration and pay your
stay in force. But if policy charges increased or crediting rates premiums as planned.10 It’s that easy.
decreased beyond expectations, you may have to pay more in
premiums than you planned to keep your policy in place.
The hypothetical chart to the right illustrates
that longer no-lapse guarantee periods will require
higher premiums.
8 Riders will likely incur additional charges and are subject to state availability, restrictions, and limitations. When considering a rider, request a policy illustration from your insurance profes-
sional to see the rider’s impact on your policy’s values.
9 The no-lapse guarantee is based on the net no-lapse guarantee value being greater than zero. The net no-lapse guarantee value is a policy calculation that mirrors the growth of your policy’s
cash value, but grows at a different interest rate and is reduced by different charges than your policy’s cash value. It cannot be accessed through withdrawals or policy loans and is merely a
calculation to determine whether your no-lapse guarantee is in effect.
10 If the policy is being maintained solely by the no-lapse guarantee, you will be foregoing the advantage of building cash value. A policy will enter a grace period if both the cash value and
no-lapse guarantee value (net of loans) reach zero and if no further (or insufficient) premium payments are made. To keep the policy from entering the grace period and eventually lapsing, an
additional amount, representing the lesser of uncollected monthly deductions with interest, or the amount required to bring the net no-lapse guarantee value to a positive value, must be paid.

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You Choose Your No-Lapse Guarantee Duration
Lifetime
Examples of No-Lapse
Guarantee Durations
To Age 110
To Age 105
To Age 100
To Age 96
low high
Premiums

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Life is full of uncertainties. You can plan for success in the event of an emergency by having a backup plan. Pacific Prime
UL-NLG offers optional riders11 that can provide benefits in the event of disability, terminal illness, or death due to an accident.

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3 Optional Rainy Day Protection
e Accelerated Living Benefit Rider (Form #R06ALB)12 — e Waiver of Charges (Form #R84-WC) — Helps keep
If the primary insured is diagnosed as terminally ill (12 coverage in place by waiving all policy charges if the
months or fewer to live), a portion of the tax-free death primary insured is diagnosed with a total disability prior
benefit will be available for the policyowner to use for to age 60. Benefit takes effect after a three-month
any reason. qualifying period.
e Accidental Death Benefit Rider (Form #R84-AD) — e Owner Waiver of Charges (Form #R84-OWC) —
Provides an additional death benefit to the policy’s Waives policy charges if the policyowner (who is not the
beneficiaries if the primary insured dies due to an accident. primary insured) becomes totally disabled before age 60.
11 Riders will likely incur additional charges and are subject to state availability, restrictions and limitations. When considering a rider, request a policy illustration from your insurance profes-
sional to see the rider’s impact on your policy’s values.
12 The benefits of the Accelerated Living Benefit Rider are subject to state requirements, may be subject to taxation, and may impact Medicaid benefits. Some states may require a diagnosis
of terminally ill with 24 months or fewer to live. Please consult your legal advisor for more information.

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Product Guarantees & Charges
Flexible Duration No-Lapse Guarantee Policy charges will reduce the policy’s cash value. Please refer
to your policy for more detailed information.
Provided through the Flexible Duration No-Lapse Guarantee
III Rider (Form #R03FNL), your policy’s no-lapse guarantee e Premium Load — This charge is assessed on each
will be in effect for the duration of your choosing as long as premium payment we receive from you. Maximum of
the policy’s net no-lapse guarantee value is greater than zero. 6.95%. (Current premium load: 5.95%.)
The net no-lapse guarantee value grows at a different interest e Administrative Charge — $7.50/month through insured’s
rate and is reduced by different charges than your policy’s cash age 120.
value. e Coverage Charge — Monthly charge for first 10 policy
years on a current basis, through age 120 on a guaranteed
You may take withdrawals and loans from your policy’s cash
basis, for administration and maintenance of the policy.
value, but doing so may reduce or negate your no-lapse
Rate varies based on issue age, gender, risk class, and
guarantee. If you plan on taking withdrawals or loans from your
Death Benefit Option.
policy, you should request illustrations from your insurance
e Cost of Insurance Charge (COI) — A rate per $1,000
professional to understand the potential impact.
multiplied by the Net Amount at Risk (difference
between your policy’s death benefit and its cash value).
Interest Rate Guarantee This charge is deducted monthly through age 120.
Your policy’s cash value will grow at a current rate that Pacific e Surrender Charge — An amount deducted from the
Life guarantees for the first policy year. The current rate may cash value if the policy is surrendered within the first 10
change periodically, but is guaranteed to never be less than policy years.
3.00%. Additionally, in policy year 21 and afterward, Pacific e No-Lapse Guarantee Charge — An amount deducted
Life currently credits an additional 0.60% to the current monthly from the cash value and based on the policy’s
crediting rate, though this is not a policy guarantee. cash value and Net Amount at Risk.

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The Power to Help You Succeed
Offering insurance since 1868, Pacific Life provides a wide range of life insurance products, annuities, and mutual funds, and
offers a variety of investment products and services to individuals, businesses, and pension plans. Pacific Life also counts more
than half of the 100 largest U.S. companies as its clients. For additional company information, including current financial
strength ratings, visit Pacific Life online at www.PacificLife.com.
Pacific Life refers to Pacific Life Insurance Company and its affiliates, including Pacific Life & Annuity Company. Client count as of April 2010 is compiled by Pacific Life using the 2010 FORTUNE 500® list.

12. This material is not intended to be used, nor can it be used by any taxpayer, for the purpose of avoiding U.S. federal, state or
local tax penalties. This material is written to support the promotion or marketing of the transaction(s) or matter(s) addressed by
this material. Pacific Life Insurance Company, its distributors and their respective representatives do not provide tax, accounting
or legal advice. Any taxpayer should seek advice based on the taxpayer’s particular circumstances from an independent tax advisor.
Pacific Life Insurance Company
Newport Beach, CA
(800) 800-7681 • www.PacificLife.com
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 Insurance Company.
Non-guaranteed elements are not guaranteed by definition. As such, Pacific Life Insurance Company reserves the right to change
or modify any non-guaranteed element. This right to change non-guaranteed elements is not limited to a specific time or reason.
Pacific Life’s individual life insurance products are marketed exclusively through independent third-party producers,
which may include bank-affiliated entities. Some independent third-party producers, which may include bank affiliated entities, may limit availability
of some optional riders based on their client’s age and other factors. Your insurance professional can help you determine which optional riders are
available and appropriate for you.
Insurance Professional’s Name
State Insurance License Number
(or affix your business card)
10-3401A
PP-2A 15-30168-01 2/11