N-4
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Jul. 17, 2025
USD ($)
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| Prospectus: |
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| Document Type |
N-4
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| Entity Registrant Name |
SEPARATE ACCOUNT A OF PACIFIC LIFE INSURANCE CO
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| Entity Central Index Key |
0000935823
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| Entity Investment Company Type |
N-4
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| Document Period End Date |
Jul. 17, 2025
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| Amendment Flag |
false
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| Item 3. Key Information [Line Items] |
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| Fees and Expenses [Text Block] |
| Ongoing Fees and Expenses (annual charges) | The table below describes the fees and expenses that you may pay each year, depending on the options you choose. Please refer to your Contract specifications page for information about the specific fees you will pay each year based on the options you have elected. | | | ANNUAL FEES | MINIMUM | MAXIMUM | | | 1. Base Contract | 1.15%1 | 1.15%1 | | | 2. Investment Options (Fund fees and expenses) | 0.28%2 | 2.54%2 | | | 3. Optional Benefits (for a single optional benefit, if elected) | 1.55%3 | 1.65%3 | | | Because your Contract is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your Contract, the following table shows the lowest and highest cost you could pay each year based on current charges. This estimate assumes that you do not take withdrawals from the Contract, which could add withdrawal charges that substantially increase costs. |
| | Lowest Annual Cost: $2,705.61 | Highest Annual Cost: $4,476.68 | | | Assumes: ● Investment of $100,000 ● 5% annual appreciation | Assumes: ● Investment of $100,000 ● 5%
annual appreciation |
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● Least
expensive combination of base Contract and Fund fees and expenses
● Least expensive living benefit rider and no death benefit rider
● No sales charges
● No additional purchase payments, transfers, or withdrawals
● No loans or loan interest charges |
● Most
expensive combination of base Contract, optional benefits, and Fund fees and expenses
● No sales charges
● No additional purchase payments, transfers, or withdrawals
●
No loans or loan interest charges |
| 1 | As a percentage of the average daily Variable Account Value. This percentage includes the Mortality and Expense Risk Charge and the
Administrative Fee. |
| 2 | As a percentage of Fund assets. |
3 As
a percentage of the Protected Payment Base (for a living benefit), or average daily Variable Account Value (for an optional death benefit).
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| Ongoing Fees and Expenses [Table Text Block] |
| Ongoing Fees and Expenses (annual charges) | The table below describes the fees and expenses that you may pay each year, depending on the options you choose. Please refer to your Contract specifications page for information about the specific fees you will pay each year based on the options you have elected. | | | ANNUAL FEES | MINIMUM | MAXIMUM | | | 1. Base Contract | 1.15%1 | 1.15%1 | | | 2. Investment Options (Fund fees and expenses) | 0.28%2 | 2.54%2 | | | 3. Optional Benefits (for a single optional benefit, if elected) | 1.55%3 | 1.65%3 | | | Because your Contract is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your Contract, the following table shows the lowest and highest cost you could pay each year based on current charges. This estimate assumes that you do not take withdrawals from the Contract, which could add withdrawal charges that substantially increase costs. |
| | Lowest Annual Cost: $2,705.61 | Highest Annual Cost: $4,476.68 | | | Assumes: ● Investment of $100,000 ● 5% annual appreciation | Assumes: ● Investment of $100,000 ● 5%
annual appreciation |
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● Least
expensive combination of base Contract and Fund fees and expenses
● Least expensive living benefit rider and no death benefit rider
● No sales charges
● No additional purchase payments, transfers, or withdrawals
● No loans or loan interest charges |
● Most
expensive combination of base Contract, optional benefits, and Fund fees and expenses
● No sales charges
● No additional purchase payments, transfers, or withdrawals
●
No loans or loan interest charges |
| 1 | As a percentage of the average daily Variable Account Value. This percentage includes the Mortality and Expense Risk Charge and the
Administrative Fee. |
| 2 | As a percentage of Fund assets. |
3 As
a percentage of the Protected Payment Base (for a living benefit), or average daily Variable Account Value (for an optional death benefit).
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| Base Contract (of Average Annual Net Assets) (N-4) Minimum [Percent] |
1.15%
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[1] |
| Base Contract (of Average Annual Net Assets) (N-4) Maximum [Percent] |
1.15%
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[1] |
| Investment Options (of Average Annual Net Assets) Minimum [Percent] |
0.28%
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[2] |
| Investment Options (of Average Annual Net Assets) Maximum [Percent] |
2.54%
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[2] |
| Optional Benefits Minimum [Percent] |
1.55%
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[3] |
| Optional Benefits Maximum [Percent] |
1.65%
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[3] |
| Base Contract (N-4) Footnotes [Text Block] |
As a percentage of the average daily Variable Account Value. This percentage includes the Mortality and Expense Risk Charge and the
Administrative Fee.
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| Optional Benefits Footnotes [Text Block] |
As
a percentage of the Protected Payment Base (for a living benefit), or average daily Variable Account Value (for an optional death benefit).
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| Investment Options Footnotes [Text Block] |
As a percentage of Fund assets.
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| Lowest and Highest Annual Cost [Table Text Block] |
| | Lowest Annual Cost: $2,705.61 | Highest Annual Cost: $4,476.68 | | | Assumes: ● Investment of $100,000 ● 5% annual appreciation | Assumes: ● Investment of $100,000 ● 5%
annual appreciation |
| |
● Least
expensive combination of base Contract and Fund fees and expenses
● Least expensive living benefit rider and no death benefit rider
● No sales charges
● No additional purchase payments, transfers, or withdrawals
● No loans or loan interest charges |
● Most
expensive combination of base Contract, optional benefits, and Fund fees and expenses
● No sales charges
● No additional purchase payments, transfers, or withdrawals
●
No loans or loan interest charges |
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| Lowest Annual Cost [Dollars] |
$ 2,705.61
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| Highest Annual Cost [Dollars] |
$ 4,476.68
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| Item 4. Fee Table [Line Items] |
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| Item 4. Fee Table [Text Block] |
The current Annual Charge and Annual Credit are the following:
| Rider Name | Annual Charge Percentage | Annual Credit Percentage | | Future Income Generator (Single) | 1.55% | 6.0% | | Future Income Generator (Joint) | 1.65% | 6.0% | | Enhanced Income Select 2 (Single) | 1.55% | 6.0% | | Enhanced Income Select 2 (Joint) | 1.65% | 6.0% |
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| Enhanced Income Select 2 (Joint) [Member] |
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| Item 4. Fee Table [Line Items] |
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| Optional Benefit Expense (of Benefit Base), Current [Percent] |
1.65%
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| Item 10. Benefits Available [Line Items] |
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| Optional Benefit Expense (of Benefit Base), Current [Percent] |
1.65%
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| Enhanced Income Select 2 (Single) [Member] |
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| Item 4. Fee Table [Line Items] |
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| Optional Benefit Expense (of Benefit Base), Current [Percent] |
1.55%
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| Item 10. Benefits Available [Line Items] |
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| Optional Benefit Expense (of Benefit Base), Current [Percent] |
1.55%
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| Future Income Generator (Joint) [Member] |
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| Item 4. Fee Table [Line Items] |
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| Optional Benefit Expense (of Benefit Base), Current [Percent] |
1.65%
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| Item 10. Benefits Available [Line Items] |
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| Optional Benefit Expense (of Benefit Base), Current [Percent] |
1.65%
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| Future Income Generator (Single) [Member] |
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| Item 4. Fee Table [Line Items] |
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| Optional Benefit Expense (of Benefit Base), Current [Percent] |
1.55%
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| Item 10. Benefits Available [Line Items] |
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| Optional Benefit Expense (of Benefit Base), Current [Percent] |
1.55%
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