HISTORICAL INTEREST CREDITING RATES FOR THE
1-YEAR INDEXED ACCOUNT1
Available in Certain Pacific Life IUL Products
Along with death benefit protection, certain Pacific Life indexed
universal life (IUL) insurance products offer a 1-Year Indexed
Account.
The performance shown does not include any policy charges.
Performance net of policy charges would be significantly lower
after all policy charges are deducted.
The 1-Year Indexed Account credits 100% (participation rate) of
S&P 500® index performance over the one year segment term,
not to exceed the 7.50% current growth cap rate. Limits indexbased losses to 0% guaranteed minimum interest rate.
Past performance is no guarantee of future results. This chart was
created with the benefit of hindsight. Clients should not depend
on any one marketing piece in making a purchasing decision. Ask
your life insurance producer for an illustration for more details.
The ability to select a custom date range means the data may not
reflect all historical interest crediting rate since the inception of
the account.
The chart below shows historical segment interest rates for the
account and the respective index performances (excluding
dividends).2 The historical segment interest rates uses the growth
cap and participation rate at the time each segment was created.
.
Life insurance is subject to underwriting and approval of the application and will incur monthly policy charges.
Pacific Life Insurance Company reserves the right to change or modify any non-guaranteed or current elements. The right to modify these
elements is not limited to a specific time or reason.
SEGMENT TERM
S&P 500® INDEX
PERFORMANCE
SEGMENT INTEREST RATE
04/15/2022 - 04/15/2023
-5.80%
0.00%
03/15/2022 - 03/15/2023
-6.08%
0.00%
02/15/2022 - 02/15/2023
-6.03%
0.00%
01/15/2022 - 01/15/2023
-14.41%
0.00%
12/15/2021 - 12/15/2022
-13.78%
0.00%
11/15/2021 - 11/15/2022
-15.49%
0.00%
10/15/2021 - 10/15/2022
-19.27%
0.00%
09/15/2021 - 09/15/2022
-11.19%
0.00%
08/15/2021 - 08/15/2022
-4.08%
0.00%
07/15/2021 - 07/15/2022
-13.35%
0.00%
06/15/2021 - 06/15/2022
-12.21%
0.00%
05/15/2021 - 05/15/2022
-3.97%
0.00%
04/15/2021 - 04/15/2022
6.50%
6.50%
03/15/2021 - 03/15/2022
5.14%
5.14%
02/15/2021 - 02/15/2022
11.93%
8.50%
01/15/2021 - 01/15/2022
22.85%
8.50%
12/15/2020 - 12/15/2021
27.05%
8.50%
11/15/2020 - 11/15/2021
29.11%
8.50%
1 The 1-Year Indexed Account is known as the 1 Year Indexed Account 1 in the
contract. Guaranteed elements: 100% participation rate, 7.50% growth cap rate,
and 0% minimum interest rate. Certain Pennsylvania-issued policies feature a 1%
guaranteed minimum annual floor rate and lower current growth caps.
2 Rates provided by Bloomberg L.P. on 2/15/23 and compiled by Pacific Life.
16-VER-62D
Page 1 of 7
SEGMENT TERM
S&P 500® INDEX
PERFORMANCE
SEGMENT INTEREST RATE
10/15/2020 - 10/15/2021
27.22%
8.50%
09/15/2020 - 09/15/2021
31.31%
8.50%
08/15/2020 - 08/15/2021
32.82%
9.00%
07/15/2020 - 07/15/2021
36.80%
9.00%
06/15/2020 - 06/15/2021
38.76%
9.00%
05/15/2020 - 05/15/2021
46.32%
9.00%
04/15/2020 - 04/15/2021
44.93%
9.00%
03/15/2020 - 03/15/2021
66.33%
9.00%
02/15/2020 - 02/15/2021
16.34%
9.25%
01/15/2020 - 01/15/2021
15.61%
9.25%
12/15/2019 - 12/15/2020
14.29%
9.25%
11/15/2019 - 11/15/2020
17.12%
9.25%
10/15/2019 - 10/15/2020
17.62%
9.25%
09/15/2019 - 09/15/2020
12.86%
9.25%
08/15/2019 - 08/15/2020
18.74%
9.25%
07/15/2019 - 07/15/2020
6.08%
6.08%
06/15/2019 - 06/15/2020
6.22%
6.22%
05/15/2019 - 05/15/2020
0.64%
0.64%
04/15/2019 - 04/15/2020
-2.05%
0.00%
03/15/2019 - 03/15/2020
-15.04%
0.00%
02/15/2019 - 02/15/2020
23.11%
9.25%
01/15/2019 - 01/15/2020
27.13%
9.25%
12/15/2018 - 12/15/2019
22.75%
9.25%
11/15/2018 - 11/15/2019
14.62%
9.25%
10/15/2018 - 10/15/2019
7.83%
7.83%
09/15/2018 - 09/15/2019
3.20%
3.20%
08/15/2018 - 08/15/2019
0.02%
0.02%
07/15/2018 - 07/15/2019
7.71%
7.71%
06/15/2018 - 06/15/2019
3.76%
3.76%
05/15/2018 - 05/15/2019
3.82%
3.82%
04/15/2018 - 04/15/2019
8.50%
8.50%
03/15/2018 - 03/15/2019
2.15%
2.15%
02/15/2018 - 02/15/2019
1.75%
1.75%
01/15/2018 - 01/15/2019
-6.98%
0.00%
12/15/2017 - 12/15/2018
-1.96%
0.00%
11/15/2017 - 11/15/2018
4.76%
4.76%
10/15/2017 - 10/15/2018
7.55%
7.55%
Page 2 of 7
SEGMENT TERM
S&P 500® INDEX
PERFORMANCE
SEGMENT INTEREST RATE
09/15/2017 - 09/15/2018
16.40%
10.50%
08/15/2017 - 08/15/2018
15.17%
10.50%
07/15/2017 - 07/15/2018
13.79%
10.50%
06/15/2017 - 06/15/2018
14.13%
10.50%
05/15/2017 - 05/15/2018
13.65%
10.50%
04/15/2017 - 04/15/2018
14.00%
11.00%
03/15/2017 - 03/15/2018
16.24%
11.00%
02/15/2017 - 02/15/2018
15.45%
11.00%
01/15/2017 - 01/15/2018
22.42%
11.00%
12/15/2016 - 12/15/2017
17.70%
11.00%
11/15/2016 - 11/15/2017
19.16%
11.00%
10/15/2016 - 10/15/2017
19.91%
11.00%
09/15/2016 - 09/15/2017
17.40%
11.00%
08/15/2016 - 08/15/2017
12.59%
11.00%
07/15/2016 - 07/15/2017
13.66%
11.00%
06/15/2016 - 06/15/2017
17.47%
11.00%
05/15/2016 - 05/15/2017
16.24%
11.00%
04/15/2016 - 04/15/2017
12.78%
11.00%
03/15/2016 - 03/15/2017
17.12%
11.00%
02/15/2016 - 02/15/2017
23.32%
11.00%
01/15/2016 - 01/15/2017
18.01%
11.00%
12/15/2015 - 12/15/2016
11.44%
11.00%
11/15/2015 - 11/15/2016
5.41%
5.41%
10/15/2015 - 10/15/2016
6.96%
6.96%
09/15/2015 - 09/15/2016
8.84%
8.84%
08/15/2015 - 08/15/2016
4.71%
4.71%
07/15/2015 - 07/15/2016
2.60%
2.60%
06/15/2015 - 06/15/2016
-0.44%
0.00%
05/15/2015 - 05/15/2016
-2.57%
0.00%
04/15/2015 - 04/15/2016
-0.62%
0.00%
03/15/2015 - 03/15/2016
-2.96%
0.00%
02/15/2015 - 02/15/2016
-9.75%
0.00%
01/15/2015 - 01/15/2016
-4.45%
0.00%
12/15/2014 - 12/15/2015
1.62%
1.62%
11/15/2014 - 11/15/2015
0.66%
0.66%
10/15/2014 - 10/15/2015
6.21%
6.21%
09/15/2014 - 09/15/2015
-1.57%
0.00%
Page 3 of 7
SEGMENT TERM
S&P 500® INDEX
PERFORMANCE
SEGMENT INTEREST RATE
08/15/2014 - 08/15/2015
6.97%
6.97%
07/15/2014 - 07/15/2015
6.67%
6.67%
06/15/2014 - 06/15/2015
7.57%
7.57%
05/15/2014 - 05/15/2015
12.31%
12.00%
04/15/2014 - 04/15/2015
14.49%
12.00%
03/15/2014 - 03/15/2015
13.04%
12.00%
02/15/2014 - 02/15/2015
14.23%
12.00%
01/15/2014 - 01/15/2015
9.37%
9.37%
12/15/2013 - 12/15/2014
11.37%
11.37%
11/15/2013 - 11/15/2014
13.92%
12.00%
10/15/2013 - 10/15/2014
9.80%
9.80%
09/15/2013 - 09/15/2014
16.88%
12.00%
08/15/2013 - 08/15/2014
16.01%
12.00%
07/15/2013 - 07/15/2014
17.51%
12.00%
06/15/2013 - 06/15/2014
19.12%
12.00%
05/15/2013 - 05/15/2014
14.43%
12.00%
04/15/2013 - 04/15/2014
17.92%
12.00%
03/15/2013 - 03/15/2014
17.78%
12.00%
02/15/2013 - 02/15/2014
20.85%
12.00%
01/15/2013 - 01/15/2014
25.04%
13.00%
12/15/2012 - 12/15/2013
26.38%
13.00%
11/15/2012 - 11/15/2013
32.10%
13.00%
10/15/2012 - 10/15/2013
18.75%
13.00%
09/15/2012 - 09/15/2013
15.82%
13.00%
08/15/2012 - 08/15/2013
20.05%
13.00%
07/15/2012 - 07/15/2013
24.29%
13.00%
06/15/2012 - 06/15/2013
22.39%
13.00%
05/15/2012 - 05/15/2013
23.31%
13.00%
04/15/2012 - 04/15/2013
13.35%
13.00%
03/15/2012 - 03/15/2013
12.12%
12.12%
02/15/2012 - 02/15/2013
12.65%
12.65%
01/15/2012 - 01/15/2013
13.68%
13.00%
12/15/2011 - 12/15/2012
16.65%
13.00%
11/15/2011 - 11/15/2012
8.29%
8.29%
10/15/2011 - 10/15/2012
17.60%
13.00%
09/15/2011 - 09/15/2012
23.31%
13.00%
08/15/2011 - 08/15/2012
16.56%
13.00%
Page 4 of 7
SEGMENT TERM
S&P 500® INDEX
PERFORMANCE
SEGMENT INTEREST RATE
07/15/2011 - 07/15/2012
3.42%
3.42%
06/15/2011 - 06/15/2012
3.20%
3.20%
05/15/2011 - 05/15/2012
0.67%
0.67%
04/15/2011 - 04/15/2012
4.19%
4.19%
03/15/2011 - 03/15/2012
7.55%
7.55%
02/15/2011 - 02/15/2012
1.36%
1.36%
01/15/2011 - 01/15/2012
0.03%
0.03%
12/15/2010 - 12/15/2011
-2.40%
0.00%
11/15/2010 - 11/15/2011
4.51%
4.51%
10/15/2010 - 10/15/2011
4.33%
4.33%
09/15/2010 - 09/15/2011
6.03%
6.03%
08/15/2010 - 08/15/2011
11.59%
11.59%
07/15/2010 - 07/15/2011
19.51%
12.00%
06/15/2010 - 06/15/2011
18.19%
12.00%
05/15/2010 - 05/15/2011
17.06%
12.00%
04/15/2010 - 04/15/2011
8.58%
8.58%
03/15/2010 - 03/15/2011
12.68%
12.00%
02/15/2010 - 02/15/2011
21.69%
12.00%
01/15/2010 - 01/15/2011
12.61%
12.00%
12/15/2009 - 12/15/2010
11.44%
11.44%
11/15/2009 - 11/15/2010
7.97%
7.97%
10/15/2009 - 10/15/2010
7.49%
7.49%
09/15/2009 - 09/15/2010
6.84%
6.84%
08/15/2009 - 08/15/2010
7.50%
7.50%
07/15/2009 - 07/15/2010
20.90%
12.00%
06/15/2009 - 06/15/2010
17.96%
12.00%
05/15/2009 - 05/15/2010
27.17%
12.00%
04/15/2009 - 04/15/2010
43.87%
12.00%
03/15/2009 - 03/15/2010
52.61%
12.00%
02/15/2009 - 02/15/2010
38.74%
12.00%
01/15/2009 - 01/15/2010
36.30%
12.00%
12/15/2008 - 12/15/2009
28.27%
12.00%
11/15/2008 - 11/15/2009
27.03%
12.00%
10/15/2008 - 10/15/2009
9.42%
9.42%
09/15/2008 - 09/15/2009
-12.02%
0.00%
08/15/2008 - 08/15/2009
-22.34%
0.00%
07/15/2008 - 07/15/2009
-26.25%
0.00%
Page 5 of 7
SEGMENT TERM
S&P 500® INDEX
PERFORMANCE
SEGMENT INTEREST RATE
06/15/2008 - 06/15/2009
-32.09%
0.00%
05/15/2008 - 05/15/2009
-36.60%
0.00%
04/15/2008 - 04/15/2009
-36.65%
0.00%
03/15/2008 - 03/15/2009
-41.47%
0.00%
02/15/2008 - 02/15/2009
-41.49%
0.00%
01/15/2008 - 01/15/2009
-40.50%
0.00%
12/15/2007 - 12/15/2008
-40.83%
0.00%
11/15/2007 - 11/15/2008
-40.62%
0.00%
10/15/2007 - 10/15/2008
-35.56%
0.00%
09/15/2007 - 09/15/2008
-19.64%
0.00%
08/15/2007 - 08/15/2008
-9.37%
0.00%
07/15/2007 - 07/15/2008
-20.73%
0.00%
06/15/2007 - 06/15/2008
-10.69%
0.00%
05/15/2007 - 05/15/2008
-6.29%
0.00%
04/15/2007 - 04/15/2008
-9.54%
0.00%
03/15/2007 - 03/15/2008
-7.14%
0.00%
02/15/2007 - 02/15/2008
-7.31%
0.00%
01/15/2007 - 01/15/2008
-1.09%
0.00%
12/15/2006 - 12/15/2007
2.98%
2.98%
11/15/2006 - 11/15/2007
5.55%
5.55%
10/15/2006 - 10/15/2007
13.12%
12.00%
09/15/2006 - 09/15/2007
12.76%
12.00%
08/15/2006 - 08/15/2007
12.48%
12.00%
07/15/2006 - 07/15/2007
25.35%
12.00%
06/15/2006 - 06/15/2007
23.81%
12.00%
05/15/2006 - 05/15/2007
16.12%
12.00%
04/15/2006 - 04/15/2007
14.25%
12.00%
03/15/2006 - 03/15/2007
6.91%
6.91%
02/15/2006 - 02/15/2007
14.09%
12.00%
01/15/2006 - 01/15/2007
11.61%
11.61%
12/15/2005 - 12/15/2006
12.00%
12.00%
11/15/2005 - 11/15/2006
12.92%
12.00%
10/15/2005 - 10/15/2006
15.38%
12.00%
09/15/2005 - 09/15/2006
7.26%
7.26%
Page 6 of 7
Pacific Life is a product provider. It is not a fiduciary and therefore does not give advice or make recommendations regarding
insurance or investment products.
Pacific Life Insurance Company
Newport Beach, CA
(800) 800-7681 • www.PacificLife.com
Pacific Life Insurance Company is licensed to issue insurance products in all states except New York. Product/material availability and
features may vary by state.
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. 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.
This material reflects the Pacific Life Insurance Company policy features and benefits. All policy features and benefits may not be available
through some Broker Dealers.
Indexed universal life insurance products do not directly participate in any stock or equity investments and are referred to as indexed
adjustable life insurance products in the contract.
The “S&P 500 INDEX” is a product of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”) and has been licensed for use by Pacific Life
Insurance Company. Standard & Poor’s® and S&P® are registered trademarks of Standard & Poor’s Financial Services LLC (“S&P”); Dow
Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use
by SPDJI and sublicensed for certain purposes by Pacific Life Insurance Company. Pacific Life Insurance Company’s Product(s) is not
sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, and none of such parties make any
representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or
interruptions of the S&P 500 Index.
Investment and Insurance Products: Not a Deposit
Not FDIC Insured
16-VER-62Dspacepa
Not Insured by any Federal Government Agency
No Bank Guarantee
May Lose Value
spacepaPage 7 of 7
15-50962-04 4/23 E1225
HISTORICAL INTEREST CREDITING RATES FOR THE
2-YEAR INDEXED ACCOUNT1
Available in Certain Pacific Life IUL Products
Along with death benefit protection, certain Pacific Life indexed
universal life (IUL) insurance products feature a 2-Year Indexed
Account that currently credits interest up to 17% over 2 years
growth cap rate, based in part on a 100% participate rate of the
S&P 500® index performance, excluding dividends. Index–based
losses are limited to the 0% guaranteed minimum interest rate.
The chart below shows historical segment interest rates for the
account and the respective index performance (excluding
dividends).2 The historical segment interest rates use the growth
cap and participation rate at the time each segment was created.
The performance shown does not include any policy charges.
Performance net of policy charges would be significantly lower
after all policy charges are deducted. Past performance is no
guarantee of future results. This chart was created with the benefit
of hindsight. Clients should not depend on any one marketing
piece in making a purchasing decision. Ask your life insurance
producer for an illustration for more details. The ability to select a
custom date range means the data may not reflect all historical
interest crediting rate since the inception of the account.
Life insurance is subject to underwriting and approval of the application and will incur monthly policy charges.
Pacific Life Insurance Company reserves the right to change or modify any non-guaranteed or current elements. The right to modify these
elements is not limited to a specific time or reason.
SEGMENT TERM
S&P 500® INDEX
PERFORMANCE
SEGMENT INTEREST RATE
04/15/2021 - 04/15/2023
0.31%
0.31%
03/15/2021 - 03/15/2023
-1.25%
0.00%
02/15/2021 - 02/15/2023
5.18%
5.18%
01/15/2021 - 01/15/2023
5.15%
5.15%
12/15/2020 - 12/15/2022
9.54%
9.54%
11/15/2020 - 11/15/2022
9.11%
9.11%
10/15/2020 - 10/15/2022
2.71%
2.71%
09/15/2020 - 09/15/2022
16.62%
16.62%
08/15/2020 - 08/15/2022
27.40%
24.00%
07/15/2020 - 07/15/2022
18.54%
18.54%
06/15/2020 - 06/15/2022
21.81%
21.81%
05/15/2020 - 05/15/2022
40.51%
24.00%
04/15/2020 - 04/15/2022
54.34%
24.00%
03/15/2020 - 03/15/2022
74.89%
24.00%
02/15/2020 - 02/15/2022
30.22%
25.00%
01/15/2020 - 01/15/2022
42.02%
25.00%
12/15/2019 - 12/15/2021
45.20%
25.00%
11/15/2019 - 11/15/2021
51.22%
25.00%
10/15/2019 - 10/15/2021
49.63%
25.00%
09/15/2019 - 09/15/2021
48.20%
25.00%
08/15/2019 - 08/15/2021
57.70%
25.00%
1 The 2-Year Indexed Account features a 100% guaranteed participation rate, 17% over 2
years growth cap rate (6% over 2 years guaranteed), and 0% guaranteed minimum
interest rate. For certain products issued in PA, rates may be different. Any applicable
differences will be reflected in the product illustration and policyowner statements.
2 Rates provided by Bloomberg L.P. on 2/15/23 and compiled by Pacific Life.
20-VER-9B
Page 1 of 5
SEGMENT TERM
S&P 500® INDEX
PERFORMANCE
SEGMENT INTEREST RATE
07/15/2019 - 07/15/2021
45.12%
25.00%
06/15/2019 - 06/15/2021
47.39%
25.00%
05/15/2019 - 05/15/2021
47.26%
25.00%
04/15/2019 - 04/15/2021
41.96%
25.00%
03/15/2019 - 03/15/2021
41.32%
25.00%
02/15/2019 - 02/15/2021
43.23%
25.00%
01/15/2019 - 01/15/2021
46.97%
25.00%
12/15/2018 - 12/15/2020
40.29%
25.00%
11/15/2018 - 11/15/2020
34.25%
25.00%
10/15/2018 - 10/15/2020
26.82%
26.82%
09/15/2018 - 09/15/2020
16.47%
16.47%
08/15/2018 - 08/15/2020
18.76%
18.76%
07/15/2018 - 07/15/2020
14.26%
14.26%
06/15/2018 - 06/15/2020
10.21%
10.21%
05/15/2018 - 05/15/2020
4.48%
4.48%
04/15/2018 - 04/15/2020
6.28%
6.28%
03/15/2018 - 03/15/2020
-13.22%
0.00%
02/15/2018 - 02/15/2020
25.25%
25.25%
01/15/2018 - 01/15/2020
18.25%
18.25%
12/15/2017 - 12/15/2019
20.34%
20.34%
11/15/2017 - 11/15/2019
20.08%
20.08%
10/15/2017 - 10/15/2019
15.97%
15.97%
09/15/2017 - 09/15/2019
20.13%
20.13%
08/15/2017 - 08/15/2019
15.20%
15.20%
07/15/2017 - 07/15/2019
22.57%
22.57%
06/15/2017 - 06/15/2019
18.42%
18.42%
05/15/2017 - 05/15/2019
17.99%
17.99%
04/15/2017 - 04/15/2019
23.69%
23.69%
03/15/2017 - 03/15/2019
18.73%
18.73%
02/15/2017 - 02/15/2019
17.46%
17.46%
01/15/2017 - 01/15/2019
13.88%
13.88%
12/15/2016 - 12/15/2018
15.39%
15.39%
11/15/2016 - 11/15/2018
24.83%
24.83%
10/15/2016 - 10/15/2018
28.96%
28.96%
09/15/2016 - 09/15/2018
36.66%
30.00%
08/15/2016 - 08/15/2018
29.67%
29.67%
07/15/2016 - 07/15/2018
29.33%
29.33%
Page 2 of 5
SEGMENT TERM
S&P 500® INDEX
PERFORMANCE
SEGMENT INTEREST RATE
06/15/2016 - 06/15/2018
34.08%
30.00%
05/15/2016 - 05/15/2018
32.10%
30.00%
04/15/2016 - 04/15/2018
28.57%
28.57%
03/15/2016 - 03/15/2018
36.14%
30.00%
02/15/2016 - 02/15/2018
42.36%
30.00%
01/15/2016 - 01/15/2018
44.47%
30.00%
12/15/2015 - 12/15/2017
31.16%
30.00%
11/15/2015 - 11/15/2017
25.60%
25.60%
10/15/2015 - 10/15/2017
28.25%
28.25%
09/15/2015 - 09/15/2017
27.78%
27.78%
08/15/2015 - 08/15/2017
17.90%
17.90%
07/15/2015 - 07/15/2017
16.61%
16.61%
06/15/2015 - 06/15/2017
16.96%
16.96%
05/15/2015 - 05/15/2017
13.26%
13.26%
04/15/2015 - 04/15/2017
12.08%
12.08%
03/15/2015 - 03/15/2017
13.66%
13.66%
02/15/2015 - 02/15/2017
11.30%
11.30%
01/15/2015 - 01/15/2017
12.76%
12.76%
12/15/2014 - 12/15/2016
13.25%
13.25%
11/15/2014 - 11/15/2016
6.10%
6.10%
10/15/2014 - 10/15/2016
13.60%
13.60%
09/15/2014 - 09/15/2016
7.14%
7.14%
08/15/2014 - 08/15/2016
12.02%
12.02%
07/15/2014 - 07/15/2016
9.44%
9.44%
06/15/2014 - 06/15/2016
7.10%
7.10%
05/15/2014 - 05/15/2016
9.43%
9.43%
04/15/2014 - 04/15/2016
13.78%
13.78%
03/15/2014 - 03/15/2016
9.70%
9.70%
02/15/2014 - 02/15/2016
3.10%
3.10%
01/15/2014 - 01/15/2016
4.51%
4.51%
12/15/2013 - 12/15/2015
13.18%
13.18%
11/15/2013 - 11/15/2015
14.66%
14.66%
10/15/2013 - 10/15/2015
16.61%
16.61%
09/15/2013 - 09/15/2015
15.05%
15.05%
08/15/2013 - 08/15/2015
24.10%
24.10%
07/15/2013 - 07/15/2015
25.35%
25.35%
06/15/2013 - 06/15/2015
28.14%
28.14%
Page 3 of 5
SEGMENT TERM
S&P 500® INDEX
PERFORMANCE
SEGMENT INTEREST RATE
05/15/2013 - 05/15/2015
28.53%
28.53%
04/15/2013 - 04/15/2015
35.01%
32.00%
03/15/2013 - 03/15/2015
33.13%
32.00%
02/15/2013 - 02/15/2015
38.05%
32.00%
01/15/2013 - 01/15/2015
36.76%
32.00%
12/15/2012 - 12/15/2014
40.75%
32.00%
11/15/2012 - 11/15/2014
50.49%
32.00%
10/15/2012 - 10/15/2014
30.38%
30.38%
09/15/2012 - 09/15/2014
35.36%
32.00%
08/15/2012 - 08/15/2014
39.26%
32.00%
07/15/2012 - 07/15/2014
46.06%
32.00%
06/15/2012 - 06/15/2014
45.80%
32.00%
05/15/2012 - 05/15/2014
41.11%
32.00%
04/15/2012 - 04/15/2014
33.66%
32.00%
03/15/2012 - 03/15/2014
32.05%
32.00%
02/15/2012 - 02/15/2014
36.14%
32.00%
01/15/2012 - 01/15/2014
42.14%
32.00%
12/15/2011 - 12/15/2013
47.43%
32.00%
11/15/2011 - 11/15/2013
43.05%
32.00%
10/15/2011 - 10/15/2013
39.65%
32.00%
09/15/2011 - 09/15/2013
42.81%
32.00%
08/15/2011 - 08/15/2013
39.93%
32.00%
07/15/2011 - 07/15/2013
28.55%
28.55%
06/15/2011 - 06/15/2013
26.31%
26.31%
05/15/2011 - 05/15/2013
24.14%
24.14%
04/15/2011 - 04/15/2013
18.09%
18.09%
03/15/2011 - 03/15/2013
20.58%
20.58%
02/15/2011 - 02/15/2013
14.19%
14.19%
Page 4 of 5
Pacific Life is a product provider. It is not a fiduciary and therefore does not give advice or make recommendations regarding
insurance or investment products.
Pacific Life Insurance Company
Newport Beach, CA
(800) 800-7681 • www.PacificLife.com
Pacific Life Insurance Company is licensed to issue insurance products in all states except New York. Product/material availability and
features may vary by state.
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. 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.
This material reflects the Pacific Life Insurance Company policy features and benefits. All policy features and benefits may not be available
through some Broker Dealers.
Indexed universal life insurance products do not directly participate in any stock or equity investments and are referred to as indexed
adjustable life insurance products in the contract.
The “S&P 500 INDEX” is a product of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”) and has been licensed for use by Pacific Life
Insurance Company. Standard & Poor’s® and S&P® are registered trademarks of Standard & Poor’s Financial Services LLC (“S&P”); Dow
Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use
by SPDJI and sublicensed for certain purposes by Pacific Life Insurance Company. Pacific Life Insurance Company’s Product(s) is not
sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, and none of such parties make any
representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or
interruptions of the S&P 500 Index.
Investment and Insurance Products: Not a Deposit
Not FDIC Insured
20-VER-9Bspacepa
Not Insured by any Federal Government Agency
No Bank Guarantee
May Lose Value
spacepaPage 5 of 5
15-50967-01 4/23 E226
HISTORICAL INTEREST CREDITING RATES FOR THE
HIGH PAR 5-YEAR INDEXED ACCOUNT1
Available in Certain Pacific Life IUL Products
Along with death benefit protection, certain Pacific Life indexed
universal life (IUL) insurance products feature a High Par 5-Year
Indexed Account that currently credits interest up to a 55% current
growth cap rate over 5 years (15% over 5 years guaranteed),
based in part on a 105% participation rate (105% guaranteed) of
the S&P 500® index performance, excluding dividends.* Indexbased losses are limited to the 0% guaranteed minimum interest
rate. The chart below shows historical segment interest rates for
the account and the respective index performance.2 The historical
segment interest rates use the growth cap and participation rate
at the time each segment was created.
The performance shown does not include any policy charges.
Performance net of policy charges would be significantly lower
after all policy charges are deducted. Past performance is no
guarantee of future results. This chart was created with the benefit
of hindsight. Clients should not depend on any one marketing
piece in making a purchasing decision. Ask your life insurance
producer for an illustration for more details. The ability to select a
custom date range means the data may not reflect all historical
interest crediting rate since the inception of the account.
.
Life insurance is subject to underwriting and approval of the application and will incur monthly policy charges.
Pacific Life Insurance Company reserves the right to change or modify any non-guaranteed or current elements. The right to modify these
elements is not limited to a specific time or reason.
SEGMENT TERM
S&P 500® INDEX
PERFORMANCE
SEGMENT INTEREST
RATE*
04/15/2018 - 04/15/2023
54.51%
52.59%
03/15/2018 - 03/15/2023
42.55%
49.20%
02/15/2018 - 02/15/2023
53.27%
53.06%
01/15/2018 - 01/15/2023
43.75%
49.37%
12/15/2017 - 12/15/2022
50.65%
59.17%
11/15/2017 - 11/15/2022
53.45%
66.24%
10/15/2017 - 10/15/2022
40.09%
70.30%
09/15/2017 - 09/15/2022
58.12%
77.92%
08/15/2017 - 08/15/2022
74.27%
82.04%
07/15/2017 - 07/15/2022
54.13%
83.24%
06/15/2017 - 06/15/2022
53.22%
87.12%
05/15/2017 - 05/15/2022
66.84%
92.03%
04/15/2017 - 04/15/2022
87.00%
97.26%
03/15/2017 - 03/15/2022
76.42%
94.78%
02/15/2017 - 02/15/2022
88.30%
96.42%
01/15/2017 - 01/15/2022
105.60%
100.87%
12/15/2016 - 12/15/2021
105.66%
98.71%
11/15/2016 - 11/15/2021
116.38%
103.12%
10/15/2016 - 10/15/2021
108.08%
101.70%
09/15/2016 - 09/15/2021
109.01%
98.32%
*The High Par 5-Year Indexed Account Segment Interest Rate is measured using a point to final year average. The final point is the
average closing price of the index on the 14th of the month (or next trading day if the market is closed) over the last 12 months of
the 5-year-segment period.
1 The High Par 5-Year Indexed Account is known as the 5 Year Indexed Account 2 in the contract and features a 105% current
participation rate (105% guaranteed), 55% current growth cap over 5 years (15% over 5 years guaranteed), and 0% guaranteed
minimum interest rate.
2 Rates provided by Bloomberg L.P. on 2/15/23 and compiled by Pacific Life.
20-VER-42C
Page 1 of 5
SEGMENT TERM
S&P 500® INDEX
PERFORMANCE
SEGMENT INTEREST
RATE*
08/15/2016 - 08/15/2021
104.54%
87.77%
07/15/2016 - 07/15/2021
102.16%
85.49%
06/15/2016 - 06/15/2021
105.04%
88.62%
05/15/2016 - 05/15/2021
101.96%
84.18%
04/15/2016 - 04/15/2021
98.04%
76.86%
03/15/2016 - 03/15/2021
96.52%
76.90%
02/15/2016 - 02/15/2021
107.46%
81.48%
01/15/2016 - 01/15/2021
97.50%
76.23%
12/15/2015 - 12/15/2020
80.40%
64.69%
11/15/2015 - 11/15/2020
76.65%
59.99%
10/15/2015 - 10/15/2020
74.94%
62.58%
09/15/2015 - 09/15/2020
73.25%
63.77%
08/15/2015 - 08/15/2020
61.26%
52.87%
07/15/2015 - 07/15/2020
51.62%
49.07%
06/15/2015 - 06/15/2020
47.12%
50.15%
05/15/2015 - 05/15/2020
34.48%
46.49%
04/15/2015 - 04/15/2020
35.80%
48.35%
03/15/2015 - 03/15/2020
14.65%
49.77%
02/15/2015 - 02/15/2020
60.93%
50.20%
01/15/2015 - 01/15/2020
63.24%
54.49%
12/15/2014 - 12/15/2019
60.40%
52.96%
11/15/2014 - 11/15/2019
51.81%
46.05%
10/15/2014 - 10/15/2019
57.97%
57.94%
09/15/2014 - 09/15/2019
51.10%
47.62%
08/15/2014 - 08/15/2019
45.29%
49.57%
07/15/2014 - 07/15/2019
52.46%
47.75%
06/15/2014 - 06/15/2019
48.98%
49.98%
05/15/2014 - 05/15/2019
50.09%
53.75%
04/15/2014 - 04/15/2019
58.72%
58.55%
03/15/2014 - 03/15/2019
52.54%
56.37%
02/15/2014 - 02/15/2019
49.34%
56.29%
01/15/2014 - 01/15/2019
40.44%
56.03%
12/15/2013 - 12/15/2018
45.53%
62.08%
11/15/2013 - 11/15/2018
50.87%
61.95%
10/15/2013 - 10/15/2018
60.85%
69.59%
09/15/2013 - 09/15/2018
71.12%
69.86%
08/15/2013 - 08/15/2018
68.50%
68.87%
*The High Par 5-Year Indexed Account Segment Interest Rate is measured using a point to final
year average. The final point is the average closing price of the index on the 14th of the month
(or next trading day if the market is closed) over the last 12 months of the 5-year-segment
period.
Page 2 of 5
SEGMENT TERM
S&P 500® INDEX
PERFORMANCE
SEGMENT INTEREST
RATE*
07/15/2013 - 07/15/2018
66.33%
67.06%
06/15/2013 - 06/15/2018
71.05%
71.30%
05/15/2013 - 05/15/2018
65.43%
66.64%
04/15/2013 - 04/15/2018
72.50%
76.08%
03/15/2013 - 03/15/2018
75.88%
72.73%
02/15/2013 - 02/15/2018
77.38%
75.48%
01/15/2013 - 01/15/2018
88.78%
79.69%
12/15/2012 - 12/15/2017
87.61%
84.11%
11/15/2012 - 11/15/2017
90.25%
89.82%
10/15/2012 - 10/15/2017
77.60%
75.03%
09/15/2012 - 09/15/2017
70.26%
68.93%
08/15/2012 - 08/15/2017
75.64%
74.50%
07/15/2012 - 07/15/2017
81.68%
79.59%
06/15/2012 - 06/15/2017
83.43%
81.05%
05/15/2012 - 05/15/2017
79.50%
77.10%
04/15/2012 - 04/15/2017
71.51%
70.37%
03/15/2012 - 03/15/2017
69.65%
65.26%
02/15/2012 - 02/15/2017
73.09%
68.65%
01/15/2012 - 01/15/2017
75.31%
73.44%
12/15/2011 - 12/15/2016
85.94%
83.43%
11/15/2011 - 11/15/2016
72.89%
75.33%
10/15/2011 - 10/15/2016
74.18%
78.69%
09/15/2011 - 09/15/2016
78.83%
83.42%
08/15/2011 - 08/15/2016
81.83%
79.44%
07/15/2011 - 07/15/2016
65.31%
63.21%
06/15/2011 - 06/15/2016
61.14%
65.71%
05/15/2011 - 05/15/2016
55.45%
60.12%
04/15/2011 - 04/15/2016
58.44%
62.51%
03/15/2011 - 03/15/2016
55.79%
65.09%
02/15/2011 - 02/15/2016
42.28%
60.67%
01/15/2011 - 01/15/2016
48.61%
64.56%
12/15/2010 - 12/15/2015
62.85%
72.49%
11/15/2010 - 11/15/2015
71.42%
78.92%
10/15/2010 - 10/15/2015
69.89%
82.67%
09/15/2010 - 09/15/2015
74.21%
90.77%
08/15/2010 - 08/15/2015
93.77%
98.80%
07/15/2010 - 07/15/2015
92.57%
94.65%
*The High Par 5-Year Indexed Account Segment Interest Rate is measured using a point to final
year average. The final point is the average closing price of the index on the 14th of the month
(or next trading day if the market is closed) over the last 12 months of the 5-year-segment
period.
Page 3 of 5
SEGMENT TERM
S&P 500® INDEX
PERFORMANCE
SEGMENT INTEREST
RATE*
06/15/2010 - 06/15/2015
91.30%
94.58%
05/15/2010 - 05/15/2015
86.77%
85.10%
04/15/2010 - 04/15/2015
73.12%
71.26%
03/15/2010 - 03/15/2015
80.89%
78.62%
02/15/2010 - 02/15/2015
91.83%
86.19%
01/15/2010 - 01/15/2015
75.13%
74.95%
12/15/2009 - 12/15/2014
78.58%
79.23%
11/15/2009 - 11/15/2014
83.88%
78.37%
10/15/2009 - 10/15/2014
71.95%
79.26%
09/15/2009 - 09/15/2014
89.08%
85.50%
08/15/2009 - 08/15/2014
94.72%
91.69%
07/15/2009 - 07/15/2014
118.26%
110.84%
06/15/2009 - 06/15/2014
109.78%
103.64%
*The High Par 5-Year Indexed Account Segment Interest Rate is measured using a point to final
year average. The final point is the average closing price of the index on the 14th of the month
(or next trading day if the market is closed) over the last 12 months of the 5-year-segment
period.
Page 4 of 5
Pacific Life is a product provider. It is not a fiduciary and therefore does not give advice or make recommendations regarding
insurance or investment products.
Pacific Life Insurance Company
Newport Beach, CA
(800) 800-7681 • www.PacificLife.com
Pacific Life Insurance Company is licensed to issue insurance products in all states except New York. Product/material availability and
features may vary by state.
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. 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.
This material reflects the Pacific Life Insurance Company policy features and benefits. All policy features and benefits may not be available
through some Broker Dealers.
Indexed universal life insurance products do not directly participate in any stock or equity investments and are referred to as indexed
adjustable life insurance products in the contract.
The “S&P 500 INDEX” is a product of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”) and has been licensed for use by Pacific Life
Insurance Company. Standard & Poor’s® and S&P® are registered trademarks of Standard & Poor’s Financial Services LLC (“S&P”); Dow
Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use
by SPDJI and sublicensed for certain purposes by Pacific Life Insurance Company. Pacific Life Insurance Company’s Product(s) is not
sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, and none of such parties make any
representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or
interruptions of the S&P 500 Index.
Investment and Insurance Products: Not a Deposit
Not FDIC Insured
20-VER-42Cspacepa
Not Insured by any Federal Government Agency
No Bank Guarantee
May Lose Value
spacepaPage 5 of 5
15-50968-02 4/23 E126