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2026-06-05
0000935823
ck0000935823:MortalityAndExpenseRiskChargeMember
2026-06-05
2026-06-05
0000935823
ck0000935823:MortalityAndExpenseRiskChargeIfContractValueIs1000000OrGreaterMember
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2026-06-05
0000935823
ck0000935823:FutureIncomeGeneratorSingleMember
2026-06-05
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0000935823
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2026-06-05
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0000935823
ck0000935823:EnhancedIncomeSelect2SingleMember
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0000935823
ck0000935823:EnhancedIncomeSelect2JointMember
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pure
iso4217:USD
2026-06-05
<table cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 85%; border-collapse: collapse; border-spacing: 0px;"> <tr style="vertical-align: top"> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 6pt 5.75pt 3pt; font-weight: bold"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Ongoing Fees and Expenses (annual charges)</b></span></td> <td colspan="4" style="padding-top: 5pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt"> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-weight: normal">The table below describes the fees and expenses that you may pay <i>each year</i>, 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. </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 7pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0"><b> </b></p></td></tr> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 6pt 5.75pt 3pt; font-weight: bold"> </td> <td style="border-bottom: Black 1pt solid; padding: 6pt 5.75pt 3pt; font-weight: bold"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>ANNUAL FEES </b></span></td> <td colspan="2" style="border-bottom: Black 1pt solid; padding: 6pt 5.75pt 3pt; font-weight: bold"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>MINIMUM</b></span></td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 6pt 5.75pt 3pt; font-weight: bold"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>MAXIMUM</b></span></td></tr> <tr> <td style="vertical-align: top; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 6pt 5.75pt 3pt; font-weight: bold"> </td> <td style="padding: 6pt 5.75pt 3pt; font-weight: bold"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; font-weight: normal">1. Base Contract</span></td> <td colspan="2" style="vertical-align: top; padding: 6pt 5.75pt 3pt; font-weight: bold"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; font-weight: normal">0.85%<sup>1,2</sup></span></td> <td style="vertical-align: top; border-right: Black 1pt solid; padding: 6pt 5.75pt 3pt; font-weight: bold"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; font-weight: normal">0.95%<sup>1,2</sup></span></td></tr> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 6pt 5.75pt 3pt; font-weight: bold"> </td> <td style="padding: 6pt 5.75pt 3pt; font-weight: bold"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; font-weight: normal">2. Investment Options (Fund fees and expenses)</span></td> <td colspan="2" style="padding: 6pt 5.75pt 3pt; font-weight: bold"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; font-weight: normal">0.29%<sup>3</sup></span></td> <td style="border-right: Black 1pt solid; padding: 6pt 5.75pt 3pt; font-weight: bold"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; font-weight: normal">3.48%<sup>3</sup></span></td></tr> <tr> <td style="vertical-align: top; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 6pt 5.75pt 3pt; font-weight: bold"> </td> <td style="border-bottom: Black 1pt solid; padding: 6pt 5.75pt 3pt; font-weight: bold"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; font-weight: normal">3. Optional Benefits (for a single optional benefit, if elected)</span></td> <td colspan="2" style="vertical-align: top; border-bottom: Black 1pt solid; padding: 6pt 5.75pt 3pt; font-weight: bold"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; font-weight: normal">0.10%<sup>4</sup></span></td> <td style="vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 6pt 5.75pt 3pt; font-weight: bold"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; font-weight: normal">1.70%<sup>4</sup></span></td></tr> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 6pt 5.75pt 3pt; font-weight: bold"> </td> <td colspan="4" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 6pt 5.75pt 3pt; font-weight: bold"><p style="margin-top: 0; margin-bottom: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; font-weight: normal">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 <span style="text-decoration:underline">each year based on current charges</span>.</span></p> <p style="margin-top: 0; margin-bottom: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal">This estimate assumes that you do not take withdrawals from the Contract, </span><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal">which could add withdrawal charges that substantially increase costs<span style="font-weight: normal">.</span></span></p> <p style="margin-top: 0; margin-bottom: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 3pt; font-style: normal; font-variant: normal; font-weight: normal"> </span></p></td></tr> <tr style="vertical-align: top"> <td rowspan="2" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 5pt 5.75pt; font-weight: bold"> </td> <td colspan="2" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 8pt 5.75pt 3pt"> <p style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>Lowest Annual Cost: $1,141.19</b></p></td> <td colspan="2" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 8pt 5.75pt 3pt"> <p style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>Highest Annual Cost: $5,234.03</b></p></td></tr> <tr style="vertical-align: top"> <td colspan="2" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 6pt 5.75pt 3pt; font-weight: bold"><p style="margin-top: 0; margin-bottom: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; font-weight: normal">Assumes:</span></p> <p style="margin-left: 0.2in; margin-top: 0; margin-bottom: 0"><span style="font: normal 10pt Times New Roman, Times, Serif"><span>●</span><span style="font-family: Times New Roman, Times, Serif"> </span>Investment of $100,000</span></p> <p style="margin-left: 0.2in; margin-top: 0; margin-bottom: 0"><span style="font: normal 10pt Times New Roman, Times, Serif"><span>●</span><span style="font-family: Times New Roman, Times, Serif"> </span>5% annual appreciation</span></p></td> <td colspan="2" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 6pt 5.75pt 3pt; font-weight: bold"><p style="margin-top: 0; margin-bottom: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; font-weight: normal">Assumes:</span></p> <p style="margin-left: 0.2in; margin-top: 0; margin-bottom: 0"><span style="font: normal 10pt Times New Roman, Times, Serif"><span>●</span><span style="font-family: Times New Roman, Times, Serif"> </span>Investment of $100,000</span></p> <p style="margin-left: 0.2in; margin-top: 0; margin-bottom: 0"><span style="font: normal 10pt Times New Roman, Times, Serif"><span>●</span><span style="font-family: Times New Roman, Times, Serif"> </span>5% annual appreciation</span></p></td></tr> <tr> <td style="width: 17%"> </td> <td style="width: 38%"> </td> <td style="width: 5%"> </td> <td style="width: 17%"> </td> <td style="width: 23%"> </td></tr> </table><table cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 85%; border-collapse: collapse; border-spacing: 0px;">
<tr style="vertical-align: top">
<td style="width: 17%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 6pt 5.75pt 3pt; font-size: 10pt; font-weight: bold"> </td>
<td style="width: 43%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt">
<p style="font: 10pt Times New Roman, Times, Serif; text-indent: -0.25in; margin-top: 0; margin-bottom: 0; margin-left: 0.5in"><span>●</span><span style="font-family: Times New Roman, Times, Serif">
</span>Least expensive combination of base Contract and Fund fees and expenses</p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span>●</span><span style="font-family: Times New Roman, Times, Serif">
</span>No optional benefits</p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span>●</span><span style="font-family: Times New Roman, Times, Serif">
</span>No sales charges </p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span>●</span><span style="font-family: Times New Roman, Times, Serif">
</span>No additional purchase payments, transfers, or withdrawals</p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span>●</span><span style="font-family: Times New Roman, Times, Serif">
</span>No loans or loan interest charges</p></td>
<td style="width: 43%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt">
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span>●</span><span style="font-family: Times New Roman, Times, Serif">
</span>Most expensive combination of base Contract, optional benefits, and Fund fees and expenses</p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span>●</span><span style="font-family: Times New Roman, Times, Serif">
</span>No sales charges </p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span>●</span><span style="font-family: Times New Roman, Times, Serif">
</span>No additional purchase payments, transfers, or withdrawals</p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span>●</span><span style="font-family: Times New Roman, Times, Serif">
</span>No loans or loan interest charges </p></td></tr>
</table><table cellpadding="0" style="font: 8pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; border-spacing: 0px;" width="100%"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 0.1in">1</td><td>As a percentage of the average daily Variable Account Value. This percentage includes the Mortality and Expense Risk Charge and the
Administrative Fee.</td></tr></table><table cellpadding="0" style="font: 8pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; border-spacing: 0px;" width="100%"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 0.1in">2</td><td>The Mortality and Expense Risk charge is reduced from 0.70% to 0.60% for the upcoming Contract quarter if the Contract Value on the
later of the Issue Date or the most recent Contract Quarterly Anniversary is greater than or equal to $1,000,000. See the <b>CHARGES,
FEES AND DEDUCTIONS - Mortality and Expense Risk Charge and Optional Death Benefit Rider Charge </b>section<b>.</b></td></tr></table><table cellpadding="0" style="width: 100%; font: 8pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; border-spacing: 0px;"><tr style="vertical-align: top; text-align: justify">
<td style="width: 0"></td><td style="width: 0.1in; text-align: left">3</td><td style="text-align: justify">As a percentage of Fund assets.</td>
</tr></table>4As a percentage of the Protected Payment Base (for an optional living benefit) and average daily Variable Account Value (for an optional
death benefit)
<table cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 85%; border-collapse: collapse; border-spacing: 0px;"> <tr style="vertical-align: top"> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 6pt 5.75pt 3pt; font-weight: bold"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Ongoing Fees and Expenses (annual charges)</b></span></td> <td colspan="4" style="padding-top: 5pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt"> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-weight: normal">The table below describes the fees and expenses that you may pay <i>each year</i>, 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. </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 7pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0"><b> </b></p></td></tr> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 6pt 5.75pt 3pt; font-weight: bold"> </td> <td style="border-bottom: Black 1pt solid; padding: 6pt 5.75pt 3pt; font-weight: bold"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>ANNUAL FEES </b></span></td> <td colspan="2" style="border-bottom: Black 1pt solid; padding: 6pt 5.75pt 3pt; font-weight: bold"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>MINIMUM</b></span></td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 6pt 5.75pt 3pt; font-weight: bold"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>MAXIMUM</b></span></td></tr> <tr> <td style="vertical-align: top; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 6pt 5.75pt 3pt; font-weight: bold"> </td> <td style="padding: 6pt 5.75pt 3pt; font-weight: bold"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; font-weight: normal">1. Base Contract</span></td> <td colspan="2" style="vertical-align: top; padding: 6pt 5.75pt 3pt; font-weight: bold"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; font-weight: normal">0.85%<sup>1,2</sup></span></td> <td style="vertical-align: top; border-right: Black 1pt solid; padding: 6pt 5.75pt 3pt; font-weight: bold"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; font-weight: normal">0.95%<sup>1,2</sup></span></td></tr> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 6pt 5.75pt 3pt; font-weight: bold"> </td> <td style="padding: 6pt 5.75pt 3pt; font-weight: bold"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; font-weight: normal">2. Investment Options (Fund fees and expenses)</span></td> <td colspan="2" style="padding: 6pt 5.75pt 3pt; font-weight: bold"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; font-weight: normal">0.29%<sup>3</sup></span></td> <td style="border-right: Black 1pt solid; padding: 6pt 5.75pt 3pt; font-weight: bold"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; font-weight: normal">3.48%<sup>3</sup></span></td></tr> <tr> <td style="vertical-align: top; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 6pt 5.75pt 3pt; font-weight: bold"> </td> <td style="border-bottom: Black 1pt solid; padding: 6pt 5.75pt 3pt; font-weight: bold"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; font-weight: normal">3. Optional Benefits (for a single optional benefit, if elected)</span></td> <td colspan="2" style="vertical-align: top; border-bottom: Black 1pt solid; padding: 6pt 5.75pt 3pt; font-weight: bold"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; font-weight: normal">0.10%<sup>4</sup></span></td> <td style="vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 6pt 5.75pt 3pt; font-weight: bold"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; font-weight: normal">1.70%<sup>4</sup></span></td></tr> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 6pt 5.75pt 3pt; font-weight: bold"> </td> <td colspan="4" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 6pt 5.75pt 3pt; font-weight: bold"><p style="margin-top: 0; margin-bottom: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; font-weight: normal">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 <span style="text-decoration:underline">each year based on current charges</span>.</span></p> <p style="margin-top: 0; margin-bottom: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal">This estimate assumes that you do not take withdrawals from the Contract, </span><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal">which could add withdrawal charges that substantially increase costs<span style="font-weight: normal">.</span></span></p> <p style="margin-top: 0; margin-bottom: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 3pt; font-style: normal; font-variant: normal; font-weight: normal"> </span></p></td></tr> <tr style="vertical-align: top"> <td rowspan="2" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 5pt 5.75pt; font-weight: bold"> </td> <td colspan="2" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 8pt 5.75pt 3pt"> <p style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>Lowest Annual Cost: $1,141.19</b></p></td> <td colspan="2" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 8pt 5.75pt 3pt"> <p style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>Highest Annual Cost: $5,234.03</b></p></td></tr> <tr style="vertical-align: top"> <td colspan="2" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 6pt 5.75pt 3pt; font-weight: bold"><p style="margin-top: 0; margin-bottom: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; font-weight: normal">Assumes:</span></p> <p style="margin-left: 0.2in; margin-top: 0; margin-bottom: 0"><span style="font: normal 10pt Times New Roman, Times, Serif"><span>●</span><span style="font-family: Times New Roman, Times, Serif"> </span>Investment of $100,000</span></p> <p style="margin-left: 0.2in; margin-top: 0; margin-bottom: 0"><span style="font: normal 10pt Times New Roman, Times, Serif"><span>●</span><span style="font-family: Times New Roman, Times, Serif"> </span>5% annual appreciation</span></p></td> <td colspan="2" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 6pt 5.75pt 3pt; font-weight: bold"><p style="margin-top: 0; margin-bottom: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; font-weight: normal">Assumes:</span></p> <p style="margin-left: 0.2in; margin-top: 0; margin-bottom: 0"><span style="font: normal 10pt Times New Roman, Times, Serif"><span>●</span><span style="font-family: Times New Roman, Times, Serif"> </span>Investment of $100,000</span></p> <p style="margin-left: 0.2in; margin-top: 0; margin-bottom: 0"><span style="font: normal 10pt Times New Roman, Times, Serif"><span>●</span><span style="font-family: Times New Roman, Times, Serif"> </span>5% annual appreciation</span></p></td></tr> <tr> <td style="width: 17%"> </td> <td style="width: 38%"> </td> <td style="width: 5%"> </td> <td style="width: 17%"> </td> <td style="width: 23%"> </td></tr> </table><table cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 85%; border-collapse: collapse; border-spacing: 0px;">
<tr style="vertical-align: top">
<td style="width: 17%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 6pt 5.75pt 3pt; font-size: 10pt; font-weight: bold"> </td>
<td style="width: 43%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt">
<p style="font: 10pt Times New Roman, Times, Serif; text-indent: -0.25in; margin-top: 0; margin-bottom: 0; margin-left: 0.5in"><span>●</span><span style="font-family: Times New Roman, Times, Serif">
</span>Least expensive combination of base Contract and Fund fees and expenses</p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span>●</span><span style="font-family: Times New Roman, Times, Serif">
</span>No optional benefits</p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span>●</span><span style="font-family: Times New Roman, Times, Serif">
</span>No sales charges </p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span>●</span><span style="font-family: Times New Roman, Times, Serif">
</span>No additional purchase payments, transfers, or withdrawals</p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span>●</span><span style="font-family: Times New Roman, Times, Serif">
</span>No loans or loan interest charges</p></td>
<td style="width: 43%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt">
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span>●</span><span style="font-family: Times New Roman, Times, Serif">
</span>Most expensive combination of base Contract, optional benefits, and Fund fees and expenses</p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span>●</span><span style="font-family: Times New Roman, Times, Serif">
</span>No sales charges </p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span>●</span><span style="font-family: Times New Roman, Times, Serif">
</span>No additional purchase payments, transfers, or withdrawals</p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span>●</span><span style="font-family: Times New Roman, Times, Serif">
</span>No loans or loan interest charges </p></td></tr>
</table><table cellpadding="0" style="font: 8pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; border-spacing: 0px;" width="100%"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 0.1in">1</td><td>As a percentage of the average daily Variable Account Value. This percentage includes the Mortality and Expense Risk Charge and the
Administrative Fee.</td></tr></table><table cellpadding="0" style="font: 8pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; border-spacing: 0px;" width="100%"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 0.1in">2</td><td>The Mortality and Expense Risk charge is reduced from 0.70% to 0.60% for the upcoming Contract quarter if the Contract Value on the
later of the Issue Date or the most recent Contract Quarterly Anniversary is greater than or equal to $1,000,000. See the <b>CHARGES,
FEES AND DEDUCTIONS - Mortality and Expense Risk Charge and Optional Death Benefit Rider Charge </b>section<b>.</b></td></tr></table><table cellpadding="0" style="width: 100%; font: 8pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; border-spacing: 0px;"><tr style="vertical-align: top; text-align: justify">
<td style="width: 0"></td><td style="width: 0.1in; text-align: left">3</td><td style="text-align: justify">As a percentage of Fund assets.</td>
</tr></table>4As a percentage of the Protected Payment Base (for an optional living benefit) and average daily Variable Account Value (for an optional
death benefit)
0.0085
0.0095
0.0029
0.0348
0.001
0.017
<b>Lowest Annual Cost: $1,141.19</b> <p style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>Highest Annual Cost: $5,234.03</b></p><p style="margin-top: 0; margin-bottom: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; font-weight: normal">Assumes:</span></p> <p style="margin-left: 0.2in; margin-top: 0; margin-bottom: 0"><span style="font: normal 10pt Times New Roman, Times, Serif"><span>●</span><span style="font-family: Times New Roman, Times, Serif"> </span>Investment of $100,000</span></p> <p style="margin-left: 0.2in; margin-top: 0; margin-bottom: 0"><span style="font: normal 10pt Times New Roman, Times, Serif"><span>●</span><span style="font-family: Times New Roman, Times, Serif"> </span>5% annual appreciation</span></p><p style="margin-top: 0; margin-bottom: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; font-weight: normal">Assumes:</span></p> <p style="margin-left: 0.2in; margin-top: 0; margin-bottom: 0"><span style="font: normal 10pt Times New Roman, Times, Serif"><span>●</span><span style="font-family: Times New Roman, Times, Serif"> </span>Investment of $100,000</span></p> <p style="margin-left: 0.2in; margin-top: 0; margin-bottom: 0"><span style="font: normal 10pt Times New Roman, Times, Serif"><span>●</span><span style="font-family: Times New Roman, Times, Serif"> </span>5% annual appreciation</span></p> <table cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 85%; border-collapse: collapse; border-spacing: 0px;">
<tr style="vertical-align: top">
<td style="width: 17%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 6pt 5.75pt 3pt; font-size: 10pt; font-weight: bold"> </td>
<td style="width: 43%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt">
<p style="font: 10pt Times New Roman, Times, Serif; text-indent: -0.25in; margin-top: 0; margin-bottom: 0; margin-left: 0.5in"><span>●</span><span style="font-family: Times New Roman, Times, Serif">
</span>Least expensive combination of base Contract and Fund fees and expenses</p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span>●</span><span style="font-family: Times New Roman, Times, Serif">
</span>No optional benefits</p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span>●</span><span style="font-family: Times New Roman, Times, Serif">
</span>No sales charges </p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span>●</span><span style="font-family: Times New Roman, Times, Serif">
</span>No additional purchase payments, transfers, or withdrawals</p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span>●</span><span style="font-family: Times New Roman, Times, Serif">
</span>No loans or loan interest charges</p></td>
<td style="width: 43%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt">
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span>●</span><span style="font-family: Times New Roman, Times, Serif">
</span>Most expensive combination of base Contract, optional benefits, and Fund fees and expenses</p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span>●</span><span style="font-family: Times New Roman, Times, Serif">
</span>No sales charges </p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span>●</span><span style="font-family: Times New Roman, Times, Serif">
</span>No additional purchase payments, transfers, or withdrawals</p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><span>●</span><span style="font-family: Times New Roman, Times, Serif">
</span>No loans or loan interest charges </p></td></tr>
</table>
1141.19
5234.03
As a percentage of the average daily Variable Account Value. This percentage includes the Mortality and Expense Risk Charge and the
Administrative Fee.The Mortality and Expense Risk charge is reduced from 0.70% to 0.60% for the upcoming Contract quarter if the Contract Value on the
later of the Issue Date or the most recent Contract Quarterly Anniversary is greater than or equal to $1,000,000. See the <b>CHARGES,
FEES AND DEDUCTIONS - Mortality and Expense Risk Charge and Optional Death Benefit Rider Charge </b>section<b>.</b>
0.007
0.006
As a percentage of Fund assets.
As a percentage of the Protected Payment Base (for an optional living benefit) and average daily Variable Account Value (for an optional
death benefit).
<table cellpadding="0" style="width: 90%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; margin-left: 0.15in; border-spacing: 0px;"> <tr style="vertical-align: top"> <td style="width: 35%; border: black 1pt solid; padding-right: 5.4pt; padding-bottom: 6pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Rider Name</b></span></td> <td style="width: 32%; border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-right: 5.4pt; padding-bottom: 6pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Annual Charge Percentage</b></span></td> <td style="width: 33%; border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-right: 5.4pt; padding-bottom: 6pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Annual Credit Percentage</b></span></td></tr> <tr style="vertical-align: top"> <td style="border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-right: 5.4pt; padding-bottom: 6pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Future Income Generator (Single)</span></td> <td style="border-right: black 1pt solid; border-bottom: black 1pt solid; padding-right: 5.4pt; padding-bottom: 6pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.60%</span></td> <td style="border-right: black 1pt solid; border-bottom: black 1pt solid; padding-right: 5.4pt; padding-bottom: 6pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.0%</span></td></tr> <tr style="vertical-align: top"> <td style="border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-right: 5.4pt; padding-bottom: 6pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Future Income Generator (Joint)</span></td> <td style="border-right: black 1pt solid; border-bottom: black 1pt solid; padding-right: 5.4pt; padding-bottom: 6pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.70%</span></td> <td style="border-right: black 1pt solid; border-bottom: black 1pt solid; padding-right: 5.4pt; padding-bottom: 6pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.0%</span></td></tr> <tr style="vertical-align: top"> <td style="border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-right: 5.4pt; padding-bottom: 6pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Enhanced Income Select 2 (Single)</span></td> <td style="border-right: black 1pt solid; border-bottom: black 1pt solid; padding-right: 5.4pt; padding-bottom: 6pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.55%</span></td> <td style="border-right: black 1pt solid; border-bottom: black 1pt solid; padding-right: 5.4pt; padding-bottom: 6pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.0%</span></td></tr> <tr style="vertical-align: top"> <td style="border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-right: 5.4pt; padding-bottom: 6pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Enhanced Income Select 2 (Joint)</span></td> <td style="border-right: black 1pt solid; border-bottom: black 1pt solid; padding-right: 5.4pt; padding-bottom: 6pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.65%</span></td> <td style="border-right: black 1pt solid; border-bottom: black 1pt solid; padding-right: 5.4pt; padding-bottom: 6pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.0%</span></td></tr> </table>
0.016
0.017
0.0155
0.0165
N-4
N-4
0000935823
false
SEPARATE ACCOUNT A OF PACIFIC LIFE INSURANCE CO