Supplement dated
The purpose of this supplement is to announce certain minimum guaranteed interest rate changes. This supplement must be preceded or accompanied by the Initial Summary Prospectus, Updating Summary Prospectus, or Statutory Prospectus, as applicable, (collectively, the "Prospectus") for your Contract, as supplemented. All information in the Prospectus dated May 1, 2025, remains in effect unless otherwise supplemented. Capitalized terms used in this supplement are defined in your Prospectus unless otherwise defined herein. "We'', "us'', or "our" refers to Pacific Life & Annuity Company, "you" or "your" refer to the Contract Owner. You can obtain a copy of the current Prospectus by contacting us at (800) 748-6907, or online at http://www.PacificLife.com/Prospectuses. Please retain this supplement for future reference.
Effective September 1, 2025, the APPENDIX: FIXED OPTIONS AVAILABLE UNDER THE CONTRACT is amended to reflect a new Minimum Guaranteed Interest Rate for contracts issued on or after September 1, 2025:
| Name | Term | Minimum Guaranteed Interest Rate |
|
DCA Plus Fixed Option
(unregistered fixed option)
|
6 months* | 2.7% |
|
DCA Plus Fixed Option
(unregistered fixed option)
|
12 months* | 2.7% |
* 6 or 12 month terms are currently offered. However, DCA Plus provides a way to transfer amounts monthly from the DCA Plus Fixed Option to one or more Variable Investment Option(s) currently over a period of up to 24 months, depending on what Guarantee Terms we offer. Please contact us for the Guarantee Terms currently available.
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