0000935823 2026-10-15 2026-10-15 0000935823 ck0000935823:FutureIncomeGeneratorSingleMember 2026-10-15 2026-10-15 0000935823 ck0000935823:FutureIncomeGeneratorJointMember 2026-10-15 2026-10-15 0000935823 ck0000935823:EnhancedIncomeSelect2SingleMember 2026-10-15 2026-10-15 0000935823 ck0000935823:EnhancedIncomeSelect2JointMember 2026-10-15 2026-10-15 pure iso4217:USD 2026-10-15 <table cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 90%; 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">Ongoing Fees and Expenses (annual charges) </td> <td colspan="3" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 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. </td></tr> <tr style="vertical-align: top"> <td style="padding-bottom: 2pt; width: 18%; border-left: Black 1pt solid; border-right: Black 1pt solid"> </td> <td style="padding-bottom: 2pt; width: 41%; border-bottom: Black 1pt solid">ANNUAL FEES </td> <td style="padding-bottom: 2pt; border-bottom: Black 1pt solid; width: 21%">MINIMUM </td> <td style="padding-bottom: 2pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; width: 20%">MAXIMUM </td></tr> <tr> <td style="vertical-align: top; border-right: Black 1pt solid; border-left: Black 1pt solid"> </td> <td>1. Base Contract </td> <td style="vertical-align: top">1.15%1 </td> <td style="vertical-align: top; border-right: Black 1pt solid">1.15%1 </td></tr> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid"> </td> <td>2. Investment Options (Fund fees and expenses) </td> <td>0.29%2 </td> <td style="border-right: Black 1pt solid">3.48%2 </td></tr> <tr> <td style="vertical-align: top; border-right: Black 1pt solid; border-left: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid">3. Optional Benefits (for a single optional benefit, if elected) </td> <td style="vertical-align: top; border-bottom: Black 1pt solid">1.55%3 </td> <td style="vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid">1.70%3 </td></tr> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid"> </td> <td colspan="3" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid">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. </td></tr> <tr style="vertical-align: top"> <td style="padding-top: 2pt; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-bottom: 2pt"> </td> <td style="padding-top: 2pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; padding-bottom: 2pt">Lowest Annual Cost: $2,713.51 </td> <td colspan="2" style="padding-top: 2pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; padding-bottom: 2pt">Highest Annual Cost: $5,065.72 </td></tr> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"> </td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Assumes: ●     Investment of $100,000 ●     5% annual appreciation ●     Least expensive combination of base Contract </td> <td colspan="2" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Assumes: ●     Investment of $100,000 ●     5% annual appreciation ●     Most expensive combination of base Contract, optional benefits, </td></tr> </table><table cellpadding="0" style="width: 90%; border-collapse: collapse; font-family: Times New Roman, Times, Serif; border-spacing: 0px;"> <tr style="vertical-align: top"> <td style="border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; font-size: 12pt; width: 18%"> </td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; width: 41%"> 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 </td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; width: 41%"> and Fund fees and expenses ●     No sales charges ●     No additional purchase payments, transfers, or withdrawals ●     No loans or loan interest charges </td></tr> </table>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). <table cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 90%; 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">Ongoing Fees and Expenses (annual charges) </td> <td colspan="3" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 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. </td></tr> <tr style="vertical-align: top"> <td style="padding-bottom: 2pt; width: 18%; border-left: Black 1pt solid; border-right: Black 1pt solid"> </td> <td style="padding-bottom: 2pt; width: 41%; border-bottom: Black 1pt solid">ANNUAL FEES </td> <td style="padding-bottom: 2pt; border-bottom: Black 1pt solid; width: 21%">MINIMUM </td> <td style="padding-bottom: 2pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; width: 20%">MAXIMUM </td></tr> <tr> <td style="vertical-align: top; border-right: Black 1pt solid; border-left: Black 1pt solid"> </td> <td>1. Base Contract </td> <td style="vertical-align: top">1.15%1 </td> <td style="vertical-align: top; border-right: Black 1pt solid">1.15%1 </td></tr> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid"> </td> <td>2. Investment Options (Fund fees and expenses) </td> <td>0.29%2 </td> <td style="border-right: Black 1pt solid">3.48%2 </td></tr> <tr> <td style="vertical-align: top; border-right: Black 1pt solid; border-left: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid">3. Optional Benefits (for a single optional benefit, if elected) </td> <td style="vertical-align: top; border-bottom: Black 1pt solid">1.55%3 </td> <td style="vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid">1.70%3 </td></tr> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid"> </td> <td colspan="3" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid">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. </td></tr> <tr style="vertical-align: top"> <td style="padding-top: 2pt; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-bottom: 2pt"> </td> <td style="padding-top: 2pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; padding-bottom: 2pt">Lowest Annual Cost: $2,713.51 </td> <td colspan="2" style="padding-top: 2pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; padding-bottom: 2pt">Highest Annual Cost: $5,065.72 </td></tr> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"> </td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Assumes: ●     Investment of $100,000 ●     5% annual appreciation ●     Least expensive combination of base Contract </td> <td colspan="2" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Assumes: ●     Investment of $100,000 ●     5% annual appreciation ●     Most expensive combination of base Contract, optional benefits, </td></tr> </table><table cellpadding="0" style="width: 90%; border-collapse: collapse; font-family: Times New Roman, Times, Serif; border-spacing: 0px;"> <tr style="vertical-align: top"> <td style="border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; font-size: 12pt; width: 18%"> </td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; width: 41%"> 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 </td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; width: 41%"> and Fund fees and expenses ●     No sales charges ●     No additional purchase payments, transfers, or withdrawals ●     No loans or loan interest charges </td></tr> </table>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). 0.0115 0.0115 0.0029 0.0348 0.0155 0.017 Lowest Annual Cost: $2,713.51 Highest Annual Cost: $5,065.72 Assumes: ●     Investment of $100,000 ●     5% annual appreciation ●     Least expensive combination of base Contract Assumes: ●     Investment of $100,000 ●     5% annual appreciation ●     Most expensive combination of base Contract, optional benefits, <table cellpadding="0" style="width: 90%; border-collapse: collapse; font-family: Times New Roman, Times, Serif; border-spacing: 0px;"> <tr style="vertical-align: top"> <td style="border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; font-size: 12pt; width: 18%"> </td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; width: 41%"> 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 </td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; width: 41%"> and Fund fees and expenses ●     No sales charges ●     No additional purchase payments, transfers, or withdrawals ●     No loans or loan interest charges </td></tr> </table> 2713.51 5065.72 As a percentage of the average daily Variable Account Value. This percentage includes the Mortality and Expense Risk Charge and the Administrative Fee. As a percentage of Fund assets. As a percentage of the Protected Payment Base (for a living benefit), or average daily Variable Account Value (for an optional death benefit). The current Annual Charge and Annual Credit are the following: <table cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 92%; border-collapse: collapse; margin-left: 0.25in; border-spacing: 0px;"> <tr style="vertical-align: top"> <td style="padding-bottom: 2pt; width: 40%; border: black 1pt solid; text-align: center">Rider Name </td> <td style="padding-bottom: 2pt; width: 30%; border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid; text-align: center">Annual Charge Percentage </td> <td style="padding-bottom: 2pt; width: 30%; border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid; text-align: center">Annual Credit Percentage </td></tr> <tr style="vertical-align: top"> <td style="padding-bottom: 2pt; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid">Future Income Generator (Single) </td> <td style="padding-bottom: 2pt; border-right: black 1pt solid; border-bottom: black 1pt solid; text-align: center">1.60% </td> <td style="padding-bottom: 2pt; border-right: black 1pt solid; border-bottom: black 1pt solid; text-align: center">6.0% </td></tr> <tr style="vertical-align: top"> <td style="padding-bottom: 2pt; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid">Future Income Generator (Joint) </td> <td style="padding-bottom: 2pt; border-right: black 1pt solid; border-bottom: black 1pt solid; text-align: center">1.70% </td> <td style="padding-bottom: 2pt; border-right: black 1pt solid; border-bottom: black 1pt solid; text-align: center">6.0% </td></tr> <tr style="vertical-align: top"> <td style="padding-bottom: 2pt; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid">Enhanced Income Select 2 (Single) </td> <td style="padding-bottom: 2pt; border-right: black 1pt solid; border-bottom: black 1pt solid; text-align: center">1.55% </td> <td style="padding-bottom: 2pt; border-right: black 1pt solid; border-bottom: black 1pt solid; text-align: center">6.0% </td></tr> <tr style="vertical-align: top"> <td style="padding-bottom: 2pt; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid">Enhanced Income Select 2 (Joint) </td> <td style="padding-bottom: 2pt; border-right: black 1pt solid; border-bottom: black 1pt solid; text-align: center">1.65% </td> <td style="padding-bottom: 2pt; border-right: black 1pt solid; border-bottom: black 1pt solid; text-align: center">6.0% </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 As a percentage of the average daily Variable Account Value. This percentage includes the Mortality and Expense Risk Charge and the Administrative Fee. As a percentage of Fund assets. As a percentage of the Protected Payment Base (for a living benefit), or average daily Variable Account Value (for an optional death benefit).