0000935823 2026-10-15 2026-10-15 0000935823 ck0000935823:MortalityAndExpenseRiskChargeMember 2026-10-15 2026-10-15 0000935823 ck0000935823:MortalityAndExpenseRiskChargeIfContractValueIsBetween500000And99999999Member 2026-10-15 2026-10-15 0000935823 ck0000935823:MortalityAndExpenseRiskChargeIfContractValueIs1000000OrGreaterMember 2026-10-15 2026-10-15 0000935823 ck0000935823:PortfolioIncomeBenefitMember 2026-10-15 2026-10-15 pure iso4217:USD 2026-10-15 <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="font-size: 10pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 2pt; padding-left: 2pt; font-weight: bold">Ongoing Fees and Expenses (annual charges)</td> <td colspan="3" style="font-size: 10pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 2pt">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. Advisory fees for services provided by your financial professional taken from your Contract Value or other assets and are not reflected in the Annual Fees below. If such fees were reflected, the annual costs of your Contract would be higher.  </td></tr> <tr style="font-size: 10pt; vertical-align: top"> <td style="font-size: 10pt; padding: 3pt 2pt; border-right: Black 1pt solid; border-left: Black 1pt solid; width: 18%; font-weight: bold"> </td> <td style="font-size: 10pt; padding: 3pt 2pt; border-bottom: Black 1pt solid; width: 40%; font-weight: bold">ANNUAL FEES</td> <td style="font-size: 10pt; padding: 3pt 2pt; border-bottom: Black 1pt solid; width: 21%; font-weight: bold">MINIMUM</td> <td style="font-size: 10pt; padding: 3pt 2pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; width: 21%; font-weight: bold">MAXIMUM</td></tr> <tr style="font-size: 10pt"> <td style="font-size: 10pt; padding: 3pt 2pt; border-right: Black 1pt solid; border-left: Black 1pt solid; vertical-align: top; font-weight: bold"> </td> <td style="font-size: 10pt; padding: 3pt 2pt; font-weight: bold">1. Base Contract</td> <td style="font-size: 10pt; padding: 3pt 2pt; vertical-align: top; font-weight: bold">0.35%1,2</td> <td style="font-size: 10pt; padding: 3pt 2pt; border-right: Black 1pt solid; vertical-align: top; font-weight: bold">0.45%1</td></tr> <tr style="font-size: 10pt; vertical-align: top"> <td style="font-size: 10pt; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 2pt; padding-left: 2pt; font-weight: bold"> </td> <td style="font-size: 10pt; padding-right: 2pt; padding-left: 2pt; font-weight: bold">2. Investment Options (Fund fees and expenses)</td> <td style="font-size: 10pt; padding-right: 2pt; padding-left: 2pt; font-weight: bold">0.03%3</td> <td style="font-size: 10pt; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 2pt; font-weight: bold">3.48%3</td></tr> <tr style="font-size: 10pt"> <td style="font-size: 10pt; border-right: Black 1pt solid; border-left: Black 1pt solid; vertical-align: top; padding-right: 2pt; padding-left: 2pt; font-weight: bold"> </td> <td style="font-size: 10pt; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 2pt; font-weight: bold">3. Optional Benefits (for a single optional benefit, if elected)</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid; vertical-align: top; padding-right: 2pt; padding-left: 2pt; font-weight: bold">0.20%4</td> <td style="font-size: 10pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; vertical-align: top; padding-right: 2pt; padding-left: 2pt; font-weight: bold">1.30%4</td></tr> <tr style="font-size: 10pt; vertical-align: top"> <td style="font-size: 10pt; padding-bottom: 10pt; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 2pt; padding-left: 2pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; padding-bottom: 10pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 2pt; font-weight: bold">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. </td></tr> <tr style="font-size: 10pt; vertical-align: top"> <td style="font-size: 10pt; padding-bottom: 5pt; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 2pt; padding-left: 2pt; font-weight: bold"> </td> <td style="font-size: 10pt; padding-bottom: 5pt; text-align: center; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 2pt; font-weight: bold">Lowest Annual Cost: $457.97</td> <td colspan="2" style="font-size: 10pt; padding-bottom: 5pt; text-align: center; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 2pt; font-weight: bold">Highest Annual Cost: $4,531.00</td></tr> <tr style="font-size: 10pt; vertical-align: top"> <td style="font-size: 10pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 2pt; padding-left: 2pt; font-weight: bold"> </td> <td style="font-size: 10pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 2pt">Assumes: ●          Investment of $100,000 ●          5% annual appreciation ●          Least expensive combination of base Contract and Fund fees and expenses </td> <td colspan="2" style="font-size: 10pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 2pt">Assumes: ●          Investment of $100,000 ●          5% annual appreciation ●          Most expensive combination of base Contract, optional benefits, and Fund fees and expenses </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="font-size: 10pt; border-bottom: Black 1pt solid; border-left: Black 1pt solid; width: 18%"> </td><td style="font-size: 10pt; border: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; width: 40%">●      No optional benefits ●      No sales charges or advisory fees ●      No additional purchase payments, transfers, or withdrawals ●      No loans or loan interest charges</td> <td style="font-size: 10pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; width: 42%">●      No sales charges or advisory fees ●      No additional purchase payments, transfers, or withdrawals ●      No loans or loan interest charges </td></tr></table><table cellpadding="0" style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; border-spacing: 0px;" width="100%"><tr style="vertical-align: top"> <td style="width: 0.25in"></td><td style="width: 0.25in">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: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; border-spacing: 0px;" width="100%"><tr style="vertical-align: top"> <td style="width: 0.25in"></td><td style="width: 0.25in">2.</td><td>The Mortality and Expense Risk charge is reduced from 0.30% to 0.25% for the upcoming Contract quarter if the Contract Value on the later of the Issue Date or the most recent Contract Quarterly Anniversary is between $500,000 and $999,999.99. The Mortality and Expense Risk charge is reduced from 0.30% to 0.20% for the upcoming Contract quarter if the Contract Value on the later of the Issue Date or the most recent Contract Quarterly Anniversary is $1,000,000 or greater. See the CHARGES, FEES AND ADJUSTMENTS - Mortality and Expense Risk Charge and Optional Death Benefit Rider Charge sections. </td></tr></table><table cellpadding="0" style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; border-spacing: 0px;" width="100%"><tr style="vertical-align: top"> <td style="width: 0.25in"></td><td style="width: 0.25in">3.</td><td>As a percentage of Fund assets. </td></tr></table><table cellpadding="0" style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; border-spacing: 0px;" width="100%"><tr style="vertical-align: top"> <td style="width: 0.25in"></td><td style="width: 0.25in">4.</td><td>As a percentage of the Protected Payment Base (for an optional living benefit) and average daily Variable Account Value (for an optional death benefit). </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="font-size: 10pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 2pt; padding-left: 2pt; font-weight: bold">Ongoing Fees and Expenses (annual charges)</td> <td colspan="3" style="font-size: 10pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 2pt">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. Advisory fees for services provided by your financial professional taken from your Contract Value or other assets and are not reflected in the Annual Fees below. If such fees were reflected, the annual costs of your Contract would be higher.  </td></tr> <tr style="font-size: 10pt; vertical-align: top"> <td style="font-size: 10pt; padding: 3pt 2pt; border-right: Black 1pt solid; border-left: Black 1pt solid; width: 18%; font-weight: bold"> </td> <td style="font-size: 10pt; padding: 3pt 2pt; border-bottom: Black 1pt solid; width: 40%; font-weight: bold">ANNUAL FEES</td> <td style="font-size: 10pt; padding: 3pt 2pt; border-bottom: Black 1pt solid; width: 21%; font-weight: bold">MINIMUM</td> <td style="font-size: 10pt; padding: 3pt 2pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; width: 21%; font-weight: bold">MAXIMUM</td></tr> <tr style="font-size: 10pt"> <td style="font-size: 10pt; padding: 3pt 2pt; border-right: Black 1pt solid; border-left: Black 1pt solid; vertical-align: top; font-weight: bold"> </td> <td style="font-size: 10pt; padding: 3pt 2pt; font-weight: bold">1. Base Contract</td> <td style="font-size: 10pt; padding: 3pt 2pt; vertical-align: top; font-weight: bold">0.35%1,2</td> <td style="font-size: 10pt; padding: 3pt 2pt; border-right: Black 1pt solid; vertical-align: top; font-weight: bold">0.45%1</td></tr> <tr style="font-size: 10pt; vertical-align: top"> <td style="font-size: 10pt; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 2pt; padding-left: 2pt; font-weight: bold"> </td> <td style="font-size: 10pt; padding-right: 2pt; padding-left: 2pt; font-weight: bold">2. Investment Options (Fund fees and expenses)</td> <td style="font-size: 10pt; padding-right: 2pt; padding-left: 2pt; font-weight: bold">0.03%3</td> <td style="font-size: 10pt; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 2pt; font-weight: bold">3.48%3</td></tr> <tr style="font-size: 10pt"> <td style="font-size: 10pt; border-right: Black 1pt solid; border-left: Black 1pt solid; vertical-align: top; padding-right: 2pt; padding-left: 2pt; font-weight: bold"> </td> <td style="font-size: 10pt; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 2pt; font-weight: bold">3. Optional Benefits (for a single optional benefit, if elected)</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid; vertical-align: top; padding-right: 2pt; padding-left: 2pt; font-weight: bold">0.20%4</td> <td style="font-size: 10pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; vertical-align: top; padding-right: 2pt; padding-left: 2pt; font-weight: bold">1.30%4</td></tr> <tr style="font-size: 10pt; vertical-align: top"> <td style="font-size: 10pt; padding-bottom: 10pt; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 2pt; padding-left: 2pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; padding-bottom: 10pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 2pt; font-weight: bold">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. </td></tr> <tr style="font-size: 10pt; vertical-align: top"> <td style="font-size: 10pt; padding-bottom: 5pt; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 2pt; padding-left: 2pt; font-weight: bold"> </td> <td style="font-size: 10pt; padding-bottom: 5pt; text-align: center; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 2pt; font-weight: bold">Lowest Annual Cost: $457.97</td> <td colspan="2" style="font-size: 10pt; padding-bottom: 5pt; text-align: center; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 2pt; font-weight: bold">Highest Annual Cost: $4,531.00</td></tr> <tr style="font-size: 10pt; vertical-align: top"> <td style="font-size: 10pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 2pt; padding-left: 2pt; font-weight: bold"> </td> <td style="font-size: 10pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 2pt">Assumes: ●          Investment of $100,000 ●          5% annual appreciation ●          Least expensive combination of base Contract and Fund fees and expenses </td> <td colspan="2" style="font-size: 10pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 2pt">Assumes: ●          Investment of $100,000 ●          5% annual appreciation ●          Most expensive combination of base Contract, optional benefits, and Fund fees and expenses </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="font-size: 10pt; border-bottom: Black 1pt solid; border-left: Black 1pt solid; width: 18%"> </td><td style="font-size: 10pt; border: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; width: 40%">●      No optional benefits ●      No sales charges or advisory fees ●      No additional purchase payments, transfers, or withdrawals ●      No loans or loan interest charges</td> <td style="font-size: 10pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; width: 42%">●      No sales charges or advisory fees ●      No additional purchase payments, transfers, or withdrawals ●      No loans or loan interest charges </td></tr></table><table cellpadding="0" style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; border-spacing: 0px;" width="100%"><tr style="vertical-align: top"> <td style="width: 0.25in"></td><td style="width: 0.25in">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: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; border-spacing: 0px;" width="100%"><tr style="vertical-align: top"> <td style="width: 0.25in"></td><td style="width: 0.25in">2.</td><td>The Mortality and Expense Risk charge is reduced from 0.30% to 0.25% for the upcoming Contract quarter if the Contract Value on the later of the Issue Date or the most recent Contract Quarterly Anniversary is between $500,000 and $999,999.99. The Mortality and Expense Risk charge is reduced from 0.30% to 0.20% for the upcoming Contract quarter if the Contract Value on the later of the Issue Date or the most recent Contract Quarterly Anniversary is $1,000,000 or greater. See the CHARGES, FEES AND ADJUSTMENTS - Mortality and Expense Risk Charge and Optional Death Benefit Rider Charge sections. </td></tr></table><table cellpadding="0" style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; border-spacing: 0px;" width="100%"><tr style="vertical-align: top"> <td style="width: 0.25in"></td><td style="width: 0.25in">3.</td><td>As a percentage of Fund assets. </td></tr></table><table cellpadding="0" style="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; border-spacing: 0px;" width="100%"><tr style="vertical-align: top"> <td style="width: 0.25in"></td><td style="width: 0.25in">4.</td><td>As a percentage of the Protected Payment Base (for an optional living benefit) and average daily Variable Account Value (for an optional death benefit). </td></tr></table> 0.0035 0.0045 0.0003 0.0348 0.002 0.013 Lowest Annual Cost: $457.97Highest Annual Cost: $4,531.00 Assumes: ●          Investment of $100,000 ●          5% annual appreciation ●          Least expensive combination of base Contract and Fund fees and expenses Assumes: ●          Investment of $100,000 ●          5% annual appreciation ●          Most expensive combination of base Contract, optional benefits, and Fund fees and expenses <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="font-size: 10pt; border-bottom: Black 1pt solid; border-left: Black 1pt solid; width: 18%"> </td><td style="font-size: 10pt; border: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; width: 40%">●      No optional benefits ●      No sales charges or advisory fees ●      No additional purchase payments, transfers, or withdrawals ●      No loans or loan interest charges</td> <td style="font-size: 10pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.75pt; padding-left: 5.75pt; width: 42%">●      No sales charges or advisory fees ●      No additional purchase payments, transfers, or withdrawals ●      No loans or loan interest charges </td></tr></table> 457.97 4531 As a percentage of the average daily Variable Account Value. This percentage includes the Mortality and Expense Risk Charge and the Administrative FeeThe Mortality and Expense Risk charge is reduced from 0.30% to 0.25% for the upcoming Contract quarter if the Contract Value on the later of the Issue Date or the most recent Contract Quarterly Anniversary is between $500,000 and $999,999.99. The Mortality and Expense Risk charge is reduced from 0.30% to 0.20% for the upcoming Contract quarter if the Contract Value on the later of the Issue Date or the most recent Contract Quarterly Anniversary is $1,000,000 or greater. See the CHARGES, FEES AND ADJUSTMENTS - Mortality and Expense Risk Charge and Optional Death Benefit Rider Charge sections. 0.003 0.0025 0.003 0.002 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). The current Annual Charge and Annual Credit are the following: <table cellpadding="0" style="margin-right: 0.25in; font: 10pt Times New Roman, Times, Serif; width: 94%; border-collapse: collapse; margin-left: 0.25in; border-spacing: 0px;"> <tr style="vertical-align: top"> <td style="padding-top: 2pt; width: 36%; border: black 1pt solid; text-align: center; padding-bottom: 2pt">Rider Name </td> <td style="padding-top: 2pt; width: 32%; border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid; text-align: center; padding-bottom: 2pt">Annual Charge Percentage </td> <td style="padding-top: 2pt; width: 32%; border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid; text-align: center; padding-bottom: 2pt">Annual Credit Percentage </td></tr> <tr style="vertical-align: top"> <td style="padding-top: 2pt; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-bottom: 2pt">Portfolio Income Benefit </td> <td style="padding-top: 2pt; border-right: black 1pt solid; border-bottom: black 1pt solid; text-align: center; padding-bottom: 2pt">1.50%</td> <td style="padding-top: 2pt; border-right: black 1pt solid; border-bottom: black 1pt solid; text-align: center; padding-bottom: 2pt">6.0%</td></tr> </table> 0.015 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. The Mortality and Expense Risk charge is reduced from 0.30% to 0.25% for the upcoming Contract quarter if the Contract Value on the later of the Issue Date or the most recent Contract Quarterly Anniversary is between $500,000 and $999,999.99. The Mortality and Expense Risk charge is reduced from 0.30% to 0.20% for the upcoming Contract quarter if the Contract Value on the later of the Issue Date or the most recent Contract Quarterly Anniversary is $1,000,000 or greater. See the CHARGES, FEES AND ADJUSTMENTS - Mortality and Expense Risk Charge and Optional Death Benefit Rider Charge sections. 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).