Basis of Computations. The actuarial basis for the fixed Annuity Option Tables is the Annuity 2000 Mortality Table with the ages set back ten (10) years with an annual interest rate of 1.00%. The rates for variable annuity payments are based on an assumed investment return of 4.00% per year and the Annuity 2000 Mortality Table with the ages set back ten (10) years. Rates Not Shown – Any rates and/or ages not shown in the tables contained in this Contract will be provided by the Company upon request. Annuity benefits will not be less than those that would have been provided by the application of an amount to purchase any single premium immediate annuity offered by us at the time annuity payments commence to the same class of annuitants. 10-2253 ANNUITY TABLES OPTIONS 1 AND 2 - LIFE ONLY OR LIFE WITH GUARANTEED PERIOD CERTAIN OF 10 AND 20 YEARS Fixed Annuity Rates Male at 1.00% Female at 1.00% Unisex at 1.00% Life with Life with Life with Guaranteed Period Guaranteed Period Guaranteed Period Life Certain Life Certain Life Certain Age Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. 30 1.82 1.82 1.82 1.74 1.74 1.74 1.78 1.78 1.78 35 1.93 1.93 1.93 1.84 1.84 1.84 1.89 1.89 1.88 40 2.07 2.07 2.06 1.96 1.96 1.95 2.01 2.01 2.01 45 2.23 2.23 2.22 2.10 2.10 2.09 2.17 2.16 2.16 50 2.43 2.42 2.40 2.27 2.27 2.26 2.35 2.35 2.33 55 2.68 2.67 2.63 2.48 2.48 2.46 2.58 2.57 2.54 60 2.98 2.97 2.89 2.75 2.74 2.70 2.87 2.85 2.80 65 3.37 3.34 3.20 3.08 3.06 2.99 3.23 3.20 3.10 70 3.89 3.82 3.55 3.52 3.49 3.34 3.70 3.65 3.45 75 4.58 4.43 3.90 4.11 4.03 3.72 4.34 4.23 3.82 80 5.54 5.20 4.21 4.93 4.75 4.09 5.23 4.98 4.16 85 6.87 6.08 4.43 6.12 5.66 4.37 6.49 5.87 4.40 90 8.72 6.99 4.54 7.88 6.70 4.52 8.29 6.85 4.53 95 11.30 7.77 4.58 10.50 7.63 4.58 10.89 7.70 4.58 Variable Annuity Rates Male at 4.00% Female at 4.00% Unisex at 4.00% Life with Life with Life with Guaranteed Period Guaranteed Period Guaranteed Period Life Certain Life Certain Life Certain Age Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. 30 3.65 3.64 3.64 3.58 3.58 3.57 3.61 3.61 3.60 35 3.73 3.73 3.72 3.65 3.65 3.64 3.69 3.69 3.68 40 3.84 3.83 3.82 3.74 3.73 3.73 3.79 3.78 3.77 45 3.97 3.97 3.94 3.85 3.84 3.83 3.91 3.91 3.89 50 4.15 4.14 4.10 3.99 3.99 3.97 4.07 4.06 4.04 55 4.38 4.36 4.29 4.18 4.17 4.13 4.28 4.27 4.22 60 4.67 4.64 4.52 4.42 4.40 4.34 4.55 4.52 4.44 65 5.05 4.99 4.80 4.74 4.70 4.60 4.90 4.85 4.70 70 5.56 5.44 5.10 5.16 5.10 4.90 5.36 5.28 5.00 75 6.27 6.04 5.41 5.75 5.63 5.24 6.01 5.83 5.33 80 7.25 6.77 5.67 6.57 6.32 5.57 6.91 6.54 5.62 85 8.61 7.60 5.86 7.79 7.19 5.81 8.20 7.40 5.83 90 10.52 8.44 5.96 9.60 8.16 5.94 10.05 8.30 5.95 95 13.16 9.16 5.99 12.30 9.03 5.99 12.73 9.09 5.99 10-2253 27 OPTION 3 — JOINT AND 50% SURVIVOR LIFE Primary Annuitant Male Age 60 65 70 75 80 85 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Female Age 60 2.70 4.38 2.91 4.58 3.13 4.82 3.37 5.11 3.63 5.44 3.90 5.80 65 2.78 4.44 3.02 4.67 3.28 4.94 3.57 5.27 3.88 5.63 4.20 6.04 70 2.84 4.50 3.12 4.76 3.43 5.07 3.78 5.44 4.16 5.86 4.56 6.33 75 2.89 4.55 3.20 4.84 3.57 5.19 3.99 5.62 4.46 6.12 4.95 6.67 80 2.93 4.59 3.27 4.91 3.68 5.30 4.17 5.79 4.74 6.38 5.37 7.05 85 2.95 4.62 3.31 4.96 3.76 5.39 4.32 5.94 5.00 6.63 5.79 7.44 Primary Annuitant Unisex Age 60 65 70 75 80 85 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Unisex Age 60 2.66 4.33 2.87 4.53 3.11 4.78 3.36 5.06 3.64 5.40 3.93 5.79 65 2.72 4.38 2.97 4.61 3.24 4.89 3.55 5.21 3.88 5.59 4.23 6.03 70 2.77 4.42 3.05 4.68 3.37 4.99 3.73 5.37 4.14 5.81 4.57 6.31 75 2.80 4.46 3.11 4.75 3.47 5.09 3.90 5.52 4.40 6.03 4.94 6.63 80 2.83 4.49 3.15 4.79 3.56 5.18 4.05 5.66 4.64 6.25 5.32 6.96 85 2.84 4.51 3.18 4.83 3.61 5.24 4.16 5.78 4.84 6.45 5.66 7.29 Joint and 66 2/3% Survivor Life Primary Annuitant Male Age 60 65 70 75 80 85 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Female Age 60 2.62 4.29 2.78 4.44 2.94 4.62 3.10 4.81 3.26 5.02 3.40 5.23 65 2.72 4.37 2.92 4.56 3.12 4.77 3.33 5.00 3.53 5.24 3.72 5.50 70 2.80 4.45 3.04 4.67 3.31 4.93 3.58 5.21 3.84 5.51 4.10 5.82 75 2.86 4.51 3.15 4.77 3.47 5.08 3.82 5.43 4.18 5.81 4.53 6.20 80 2.91 4.56 3.23 4.86 3.61 5.22 4.05 5.65 4.53 6.13 5.01 6.65 85 2.94 4.60 3.29 4.93 3.72 5.34 4.24 5.84 4.85 6.45 5.50 7.12 10-2253 28 Joint and 100% Survivor Life Primary Annuitant Male Age 60 65 70 75 80 85 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Female Age 60 2.47 4.11 2.55 4.19 2.62 4.26 2.67 4.31 2.70 4.35 2.72 4.37 65 2.60 4.23 2.73 4.35 2.85 4.45 2.93 4.54 2.99 4.61 3.03 4.65 70 2.71 4.34 2.90 4.50 3.08 4.66 3.22 4.80 3.33 4.92 3.41 5.01 75 2.81 4.43 3.05 4.65 3.30 4.87 3.53 5.09 3.73 5.29 3.87 5.44 80 2.87 4.51 3.16 4.77 3.49 5.07 3.83 5.38 4.15 5.69 4.41 5.96 85 2.92 4.57 3.25 4.87 3.64 5.23 4.09 5.65 4.56 6.11 5.01 6.55 OPTION 4 — PERIOD CERTAIN ONLY Monthly Income Years 1.00% Fixed 4.00% Variable 10 8.75 10.06 11 7.99 9.31 12 7.36 8.69 13 6.83 8.17 14 6.37 7.72 15 5.98 7.34 16 5.63 7.00 17 5.33 6.71 18 5.05 6.44 19 4.81 6.21 20 4.59 6.00 21 4.40 5.81 22 4.22 5.64 23 4.05 5.49 24 3.90 5.35 25 3.76 5.22 26 3.64 5.10 27 3.52 5.00 28 3.41 4.90 29 3.31 4.80 30 3.21 4.72 10-2253 Pacific Life & Annuity Company l [700 Nxxxxxx Xxxxxx Xxxxx x Xxxxxxx Xxxxx, XX 00000] XXDIVIDUAL FLEXIBLE PREMIUM DEFERRED VARIABLE ANNUITY CONTRACT Investment Experience Reflected in Benefits Variable Accumulation Before Annuity Date Annuities Payable in Fixed and/or Variable Dollar Amounts Death Benefit Proceeds Payable Before Annuity Date Non-Participating
Appears in 1 contract
Samples: Your Contract Carefully (Separate Account a of Pacific Life & Annuity Co)
Basis of Computations. The actuarial basis for the fixed Annuity Option Tables is the 2000 Individual Annuity 2000 Mortality Table with the ages set back ten (10) years with interest at an annual interest rate of 1.001.50%. The rates for variable annuity payments are based on an assumed investment return of 4.005% per year and the 2000 Individual Annuity 2000 Mortality Table with the ages set back ten (10) years. Rates Not Shown – — Any rates and/or ages not shown in the tables contained in this Contract will be provided by the Company upon request. Annuity benefits will not be less than those that would have been provided by the application of an amount to purchase any single premium immediate annuity offered by us at the time annuity payments commence to the same class of annuitants. 10-2253 ANNUITY TABLES OPTIONS 1 AND 2 - LIFE ONLY OR LIFE WITH GUARANTEED PERIOD CERTAIN OF 10 AND 20 YEARS Fixed Annuity Rates Male at 1.001.50% Female at 1.001.50% Unisex at 1.001.50% Life with Life with Life with Guaranteed Guaranteed Guaranteed Life Period Guaranteed Period Guaranteed Period Life Certain Life Period Certain Life Period Certain Age Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. 30 1.82 1.82 1.82 1.74 1.74 1.74 1.78 1.78 1.78 35 1.93 1.93 1.93 1.84 1.84 1.84 1.89 1.89 1.88 40 2.07 2.07 2.06 1.96 1.96 1.95 2.09 2.09 2.08 2.01 2.01 2.01 45 2.23 2.23 2.22 2.00 2.05 2.05 2.04 35 2.20 2.20 2.19 2.10 2.10 2.09 2.17 2.16 2.16 50 2.10 2.15 2.15 2.15 40 2.33 2.33 2.32 2.22 2.22 2.21 2.28 2.27 2.27 45 2.49 2.49 2.47 2.36 2.36 2.35 2.43 2.42 2.40 2.27 2.27 2.26 2.35 2.35 2.33 2.41 50 2.69 2.68 2.66 2.53 2.53 2.51 2.61 2.61 2.59 55 2.68 2.67 2.63 2.48 2.48 2.46 2.58 2.57 2.54 2.94 2.93 2.88 2.74 2.73 2.71 2.84 2.83 2.80 60 2.98 2.97 2.89 2.75 2.74 2.70 2.87 2.85 2.80 3.24 3.22 3.14 3.00 2.99 2.95 3.12 3.11 3.05 65 3.37 3.63 3.60 3.45 3.34 3.20 3.08 3.06 2.99 3.23 3.20 3.10 3.32 3.24 3.49 3.46 3.35 70 3.89 3.82 3.55 3.52 3.49 3.34 3.70 3.65 3.45 4.15 4.07 3.79 3.78 3.74 3.58 3.96 3.91 3.69 75 4.58 4.43 3.90 4.11 4.03 3.72 4.34 4.23 3.82 4.85 4.69 4.14 4.37 4.28 3.96 4.61 4.49 4.05 80 5.54 5.20 4.21 4.93 5.82 5.45 4.44 5.19 5.00 4.32 5.50 5.23 4.39 85 7.15 6.32 4.65 6.39 5.91 4.60 6.76 6.12 4.63 90 9.01 7.22 4.76 8.16 6.93 4.75 4.09 5.23 4.98 4.16 85 6.87 6.08 4.43 6.12 5.66 4.37 6.49 5.87 4.40 90 8.72 6.99 4.54 7.88 6.70 4.52 8.29 6.85 4.53 8.58 7.08 4.75 95 11.30 7.77 4.58 10.50 7.63 4.58 10.89 7.70 4.58 11.61 8.00 4.81 10.79 7.86 4.80 11.20 7.93 4.80 Variable Annuity Rates Male at 4.005% Female at 4.005% Unisex at 4.005% Life with Life with Life with Guaranteed Guaranteed Guaranteed Life Period Guaranteed Period Guaranteed Period Life Certain Life Period Certain Life Period Certain Age Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. 30 3.65 3.64 3.64 3.58 3.58 3.57 3.61 3.61 3.60 35 3.73 3.73 3.72 3.65 3.65 3.64 3.69 3.69 3.68 40 3.84 3.83 3.82 3.74 3.73 3.73 3.79 3.78 3.77 45 3.97 3.97 3.94 3.85 3.84 3.83 3.91 3.91 3.89 50 4.15 4.14 4.10 3.99 3.99 3.97 4.07 4.06 4.04 55 4.38 4.36 4.29 4.18 4.17 4.13 4.34 4.34 4.33 4.28 4.28 4.27 4.22 60 4.67 4.64 4.52 4.42 4.31 4.31 4.30 35 4.41 4.41 4.40 4.34 4.33 4.33 4.38 4.37 4.36 40 4.51 4.50 4.48 4.41 4.41 4.40 4.46 4.46 4.44 45 4.63 4.62 4.60 4.51 4.51 4.49 4.57 4.56 4.55 4.52 4.44 50 4.79 4.78 4.74 4.64 4.63 4.61 4.72 4.71 4.68 55 5.01 4.99 4.91 4.81 4.80 4.76 4.91 4.90 4.84 60 5.29 5.25 5.13 5.04 5.02 4.95 5.17 5.14 5.04 65 5.05 4.99 4.80 4.74 4.70 4.60 4.90 4.85 4.70 5.66 5.59 5.38 5.35 5.31 5.19 5.50 5.45 5.29 70 5.56 5.44 5.10 5.16 5.10 4.90 5.36 5.28 5.00 6.16 6.03 5.66 5.76 5.69 5.47 5.96 5.86 5.57 75 6.27 6.04 5.41 5.75 5.63 5.24 6.01 5.83 5.33 6.86 6.61 5.95 6.33 6.20 5.79 6.60 6.40 5.88 80 7.25 6.77 5.67 6.57 6.32 5.57 6.91 6.54 5.62 7.85 7.32 6.20 7.15 6.87 6.10 7.50 7.10 6.15 85 8.61 7.60 5.86 7.79 7.19 5.81 8.20 7.40 5.83 9.22 8.12 6.37 8.37 7.72 6.33 8.79 7.93 6.35 90 10.52 8.44 5.96 9.60 8.16 5.94 10.05 8.30 5.95 11.13 8.94 6.47 10.19 8.67 6.45 10.65 8.81 6.46 95 13.16 9.16 5.99 12.30 9.03 5.99 12.73 9.09 5.99 13.79 9.64 6.50 12.91 9.51 6.50 13.34 9.58 6.50 10-2253 1221 27 OPTION 3 — JOINT AND 50% SURVIVOR LIFE Primary Annuitant Male Age 60 65 70 75 80 85 1.001.50% 4.005% 1.001.50% 4.005% 1.001.50% 4.005% 1.001.50% 4.005% 1.001.50% 4.005% 1.001.50% 4.005% Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Female Age 60 2.70 4.38 2.91 2.96 5.00 3.16 5.20 3.39 5.44 3.64 5.73 3.91 6.08 4.20 6.47 65 3.03 5.06 3.27 5.28 3.54 5.55 3.84 5.88 4.16 6.26 4.49 6.69 70 3.10 5.11 3.37 5.36 3.69 5.67 4.04 6.04 4.43 6.47 4.84 6.96 75 3.15 5.16 3.46 5.44 3.82 5.78 4.24 6.20 4.72 6.71 5.23 7.28 80 3.18 5.20 3.52 5.51 3.93 5.89 4.43 6.37 5.00 6.96 5.64 7.64 85 3.21 5.23 3.57 5.56 4.01 5.98 4.58 3.13 4.82 3.37 5.11 3.63 5.44 3.90 5.80 65 2.78 4.44 3.02 4.67 3.28 4.94 3.57 5.27 3.88 5.63 4.20 6.04 70 2.84 4.50 3.12 4.76 3.43 5.07 3.78 5.44 4.16 5.86 4.56 6.33 75 2.89 4.55 3.20 4.84 3.57 5.19 3.99 5.62 4.46 6.12 4.95 6.67 80 2.93 4.59 3.27 4.91 3.68 5.30 4.17 5.79 4.74 6.38 5.37 7.05 85 2.95 4.62 3.31 4.96 3.76 5.39 4.32 5.94 5.00 6.63 5.79 7.44 6.52 5.26 7.20 6.06 8.02 Primary Annuitant Unisex Age 60 65 70 75 80 85 1.001.50% 4.005% 1.001.50% 4.005% 1.001.50% 4.005% 1.001.50% 4.005% 1.001.50% 4.005% 1.001.50% 4.005% Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Unisex Age 60 2.66 4.33 2.87 4.53 3.11 4.78 2.91 4.95 3.13 5.15 3.36 5.06 3.64 5.39 3.63 5.68 3.92 6.03 4.23 6.44 65 2.97 5.00 3.22 5.22 3.50 5.49 3.81 5.81 4.15 6.20 4.52 6.66 70 3.02 5.04 3.30 5.29 3.62 5.59 3.99 5.96 4.40 6.40 4.85 6.92 75 3.06 5.08 3.36 5.35 3.73 5.68 4.16 6.10 4.66 6.62 5.21 7.22 80 3.08 5.11 3.41 5.40 3.93 5.79 65 2.72 4.38 2.97 4.61 3.24 3.81 5.77 4.30 6.24 4.89 3.55 5.21 3.88 5.59 4.23 6.03 70 2.77 4.42 3.05 4.68 3.37 4.99 3.73 5.37 4.14 5.81 4.57 6.31 75 2.80 4.46 3.11 4.75 3.47 5.09 3.90 5.52 4.40 6.03 4.94 6.63 80 2.83 4.49 3.15 4.79 3.56 5.18 4.05 5.66 4.64 6.25 5.32 6.96 6.83 5.58 7.54 85 2.84 4.51 3.18 4.83 3.61 5.24 4.16 5.78 4.84 6.45 5.66 7.29 Joint and 3.10 5.13 3.44 5.43 3.87 5.83 4.41 6.35 5.10 7.03 5.93 7.86 OPTION 3 — JOINT AND 66 2/3% Survivor Life SURVIVOR LIFE Primary Annuitant Male Age 60 65 70 75 80 85 1.001.50% 4.005% 1.001.50% 4.005% 1.001.50% 4.005% 1.001.50% 4.005% 1.001.50% 4.005% 1.001.50% 4.005% Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Female Age 60 2.62 4.29 2.78 2.87 4.91 3.03 5.06 3.20 5.24 3.36 5.43 3.53 5.65 3.69 5.89 65 2.97 4.98 3.17 5.17 3.38 5.37 3.59 5.61 3.80 5.86 4.00 6.13 70 3.05 5.06 3.29 5.27 3.56 5.52 3.83 5.80 4.11 6.11 4.37 6.43 75 3.11 5.12 3.40 5.37 3.72 5.67 4.07 6.01 4.44 2.94 4.62 3.10 4.81 3.26 5.02 3.40 5.23 65 2.72 4.37 2.92 4.56 3.12 4.77 3.33 5.00 3.53 5.24 3.72 5.50 70 2.80 4.45 3.04 4.67 3.31 4.93 3.58 6.40 4.80 6.80 80 3.16 5.17 3.48 5.46 3.86 5.80 4.30 6.22 4.78 6.70 5.27 7.22 85 3.19 5.21 3.84 5.51 4.10 5.82 75 2.86 4.51 3.15 4.77 3.47 5.08 3.82 5.43 4.18 5.81 4.53 6.20 80 2.91 4.56 3.23 4.86 3.61 5.22 4.05 5.65 4.53 6.13 5.01 6.65 85 2.94 4.60 3.29 4.93 3.72 5.34 4.24 5.84 4.85 6.45 5.50 7.12 10-2253 28 Joint and 3.54 5.52 3.97 5.92 4.49 6.42 5.10 7.01 5.76 7.68 OPTION 3 — JOINT AND 100% Survivor Life SURVIVOR LIFE Primary Annuitant Male Age 60 65 70 75 80 85 1.001.50% 4.005% 1.001.50% 4.005% 1.001.50% 4.005% 1.001.50% 4.005% 1.001.50% 4.005% 1.001.50% 4.005% Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Female Age 60 2.47 4.11 2.55 4.19 2.62 4.26 2.67 4.31 2.70 4.35 2.72 4.37 4.74 2.80 4.81 2.87 4.87 2.92 4.92 2.95 4.96 2.97 4.99 65 2.60 4.23 2.73 4.35 2.85 4.45 2.93 4.54 2.99 4.61 3.03 4.65 4.84 2.98 4.95 3.09 5.05 3.18 5.14 3.24 5.20 3.28 5.25 70 2.71 4.34 2.90 4.50 3.08 2.96 4.95 3.15 5.10 3.32 5.25 3.47 5.39 3.58 5.50 3.66 5.59 75 3.05 5.04 3.29 5.24 3.54 5.45 3.77 5.66 3.97 5.85 4.12 6.01 80 3.12 5.11 3.41 5.36 3.73 5.64 4.07 5.95 4.39 6.25 4.66 3.22 6.52 85 3.17 5.17 3.50 5.46 3.89 5.81 4.33 6.21 4.80 3.33 4.92 3.41 5.01 75 2.81 4.43 3.05 4.65 3.30 4.87 3.53 5.09 3.73 5.29 3.87 5.44 80 2.87 4.51 3.16 4.77 3.49 5.07 3.83 5.38 4.15 5.69 4.41 5.96 85 2.92 4.57 3.25 4.87 3.64 5.23 4.09 5.65 4.56 6.11 5.01 6.55 6.66 5.25 7.09 10-1221 28 OPTION 4 — PERIOD CERTAIN ONLY Monthly Income 1.50% 5% Years 1.00% Fixed 4.00% Variable 10 8.75 10.06 8.96 10.51 11 7.99 9.31 8.21 9.77 12 7.36 8.69 7.58 9.16 13 6.83 8.17 7.05 8.64 14 6.37 7.72 6.59 8.20 15 5.98 7.34 6.20 7.82 16 5.63 7.00 5.85 7.49 17 5.33 5.55 7.20 18 5.27 6.94 19 5.03 6.71 18 5.05 6.44 19 20 4.81 6.21 20 4.59 6.00 6.51 21 4.40 5.81 4.62 6.33 22 4.22 5.64 4.44 6.17 23 4.05 5.49 4.28 6.02 24 3.90 5.35 4.13 5.88 25 3.76 5.22 3.99 5.76 26 3.86 5.65 27 3.75 5.54 28 3.64 5.10 27 3.52 5.00 28 3.41 4.90 5.45 29 3.31 4.80 3.54 5.36 30 3.21 4.72 3.44 5.28 10-2253 1221 29 Pacific Life & Annuity Insurance Company l • [700 Nxxxxxx Xxxxxxx Xxxxxx Xxxxx x • Xxxxxxx Xxxxx, XX 00000] XXDIVIDUAL INDIVIDUAL FLEXIBLE PREMIUM DEFERRED VARIABLE ANNUITY CONTRACT Investment Experience Reflected in Benefits Variable Accumulation Before Annuity Date Withdrawal Charges Waived in Specific Instances Annuities Payable in Variable and Fixed and/or Variable Dollar Amounts Death Benefit Proceeds Payable Before Annuity Date Non-Participating
Appears in 1 contract
Samples: Your Contract Carefully (Separate Account a of Pacific Life Insurance Co)
Basis of Computations. The actuarial basis for the fixed Annuity Option Tables is the 2012 Individual Annuity 2000 Mortality Period Life Table with the ages set back ten (10) years with an annual interest rate of 1.00%. The rates for variable annuity payments Variable Annuity Payments are based on an assumed investment return of 4.00% per year and the 2012 Individual Annuity 2000 Mortality Period Life Table with the ages set back ten (10) years. Rates Not Shown – Any rates and/or ages not shown in the tables contained in this Contract will be provided by the Company upon request. Annuity benefits will not be less than those that would have been provided by the application of an amount to purchase any single premium immediate annuity offered by us at the time annuity payments commence to the same class of annuitantsAnnuitants. 10-2253 ANNUITY TABLES OPTIONS 1 AND 2 - LIFE ONLY OR LIFE WITH GUARANTEED PERIOD CERTAIN OF 10 AND 20 YEARS Fixed Annuity Rates FIXED Male at 1.001% Female at 1.001% Unisex at 1.001% Life with Life with Life with Guaranteed Guaranteed Guaranteed Life Period Guaranteed Period Guaranteed Period Life Certain Life Period Certain Life Period Certain Age Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. 30 1.82 1.82 1.82 1.77 1.77 1.77 1.71 1.71 1.71 1.74 1.74 1.74 1.78 1.78 1.78 35 1.93 1.93 1.93 1.87 1.87 1.87 1.81 1.81 1.81 1.84 1.84 1.84 1.89 1.89 1.88 40 2.07 2.07 2.06 2.00 1.99 1.99 1.92 1.92 1.92 1.96 1.96 1.95 2.01 2.01 2.01 45 2.23 2.23 2.22 2.14 2.14 2.13 2.06 2.05 2.05 2.10 2.10 2.09 2.17 2.16 2.16 50 2.43 2.42 2.40 2.32 2.32 2.30 2.22 2.22 2.21 2.27 2.27 2.26 2.35 2.35 2.33 55 2.68 2.67 2.63 2.54 2.54 2.51 2.42 2.41 2.40 2.48 2.48 2.46 2.58 2.57 2.54 60 2.82 2.81 2.76 2.67 2.66 2.63 2.74 2.74 2.70 65 3.17 3.15 3.05 2.98 2.97 2.89 2.75 2.74 2.70 2.87 2.85 2.80 65 3.37 3.34 3.20 2.91 3.08 3.06 2.99 3.23 3.20 3.10 2.98 70 3.89 3.82 3.55 3.52 3.49 3.34 3.62 3.58 3.40 3.39 3.36 3.24 3.51 3.47 3.32 75 4.23 4.13 3.78 3.93 3.87 3.62 4.08 4.00 3.70 3.65 3.45 75 80 5.07 4.87 4.15 4.66 4.53 4.01 4.87 4.70 4.09 85 6.31 5.81 4.42 5.73 5.40 4.33 6.02 5.61 4.38 90 8.20 6.89 4.55 7.35 6.45 4.51 7.78 6.68 4.54 95 11.14 7.86 4.59 9.85 7.50 4.58 4.43 3.90 4.11 4.03 3.72 4.34 4.23 3.82 80 5.54 5.20 4.21 4.93 4.75 4.09 5.23 4.98 4.16 85 6.87 6.08 4.43 6.12 5.66 4.37 6.49 5.87 4.40 90 8.72 6.99 4.54 7.88 6.70 4.52 8.29 6.85 4.53 95 11.30 7.77 10.49 7.69 4.58 10.50 7.63 4.58 10.89 7.70 4.58 Variable Annuity Rates 100 15.74 8.45 4.59 13.53 8.25 4.59 14.62 8.36 4.59 VARIABLE Male at 4.004% Female at 4.004% Unisex at 4.004% Life with Life with Life with Guaranteed Guaranteed Guaranteed Life Period Guaranteed Period Guaranteed Period Life Certain Life Period Certain Life Period Certain Age Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. 30 3.65 3.64 3.64 3.58 3.58 3.57 3.61 3.61 3.60 3.56 3.56 3.55 3.58 3.58 3.58 35 3.73 3.73 3.72 3.68 3.68 3.67 3.62 3.62 3.62 3.65 3.65 3.64 3.69 3.69 3.68 40 3.84 3.83 3.82 3.78 3.77 3.76 3.71 3.70 3.70 3.74 3.74 3.73 3.73 3.79 3.78 3.77 45 3.97 3.97 3.94 3.89 3.89 3.87 3.81 3.81 3.80 3.85 3.85 3.84 3.83 3.91 3.91 3.89 50 4.15 4.14 4.10 3.99 4.04 4.04 4.01 3.95 3.94 3.93 4.00 3.99 3.97 4.07 4.06 4.04 55 4.38 4.36 4.29 4.24 4.23 4.18 4.12 4.11 4.08 4.18 4.17 4.13 60 4.50 4.47 4.39 4.34 4.33 4.28 4.27 4.22 60 4.67 4.64 4.52 4.42 4.40 4.34 4.55 65 4.83 4.79 4.65 4.64 4.61 4.52 4.44 65 5.05 4.99 4.80 4.74 4.70 4.60 4.90 4.85 4.70 4.59 70 5.27 5.19 4.95 5.04 4.98 4.81 5.16 5.09 4.89 75 5.87 5.72 5.29 5.56 5.44 5.10 5.16 5.10 4.90 5.36 5.28 5.00 75 6.27 6.04 5.41 5.75 5.63 5.24 6.01 5.83 5.33 5.46 5.15 5.72 5.59 5.22 80 7.25 6.77 5.67 6.57 6.32 5.57 6.91 6.54 6.71 6.42 5.62 6.29 6.09 5.49 6.50 6.26 5.56 85 8.61 7.60 5.86 7.79 7.19 7.97 7.31 5.85 7.37 6.93 5.77 7.67 7.13 5.81 8.20 7.40 5.83 90 10.52 8.44 9.90 8.33 5.96 9.60 8.16 5.94 10.05 8.30 9.03 7.93 5.93 9.47 8.14 5.95 95 13.16 9.16 12.91 9.23 6.00 11.60 8.90 5.99 12.30 9.03 12.26 9.08 5.99 12.73 9.09 5.99 100 17.61 9.77 6.00 15.35 9.59 6.00 16.47 9.69 6.00 10-2253 27 OPTION 3 — 2040 18 JOINT AND 50% SURVIVOR LIFE Primary Annuitant Male Age 60 65 70 75 80 85 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Female Age 60 2.70 4.38 2.91 4.58 2.59 4.26 2.79 4.45 2.99 4.67 3.21 4.92 3.46 5.22 3.73 5.59 65 2.66 4.32 2.88 4.53 3.13 4.82 3.37 5.11 3.63 5.44 3.90 4.78 3.40 5.06 3.69 5.40 4.00 5.80 65 70 2.71 4.37 2.97 4.60 3.26 4.89 3.58 5.21 3.93 5.60 4.33 6.06 75 2.75 4.40 3.04 4.67 3.38 4.99 3.76 5.36 4.19 5.81 4.68 6.36 80 2.78 4.43 3.09 4.72 3.46 5.07 3.91 5.51 4.44 3.02 4.67 3.28 4.94 3.57 5.27 3.88 5.63 4.20 6.04 70 2.84 4.50 5.06 6.68 85 2.79 4.46 3.12 4.76 3.43 5.07 3.78 5.44 4.16 5.86 4.56 6.33 75 2.89 4.55 3.20 4.84 3.57 5.19 3.99 5.62 4.46 6.12 4.95 6.67 80 2.93 4.59 3.27 4.91 3.68 5.30 4.17 5.79 4.74 6.38 5.37 7.05 85 2.95 4.62 3.31 4.96 3.76 5.39 4.32 5.94 5.00 6.63 5.79 7.44 3.53 5.14 4.03 5.63 4.66 6.24 5.43 7.03 Primary Annuitant Unisex Age 60 65 70 75 80 85 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Unisex Age 60 2.56 4.23 2.76 4.42 2.98 4.64 3.21 4.90 3.46 5.20 3.74 5.56 65 2.62 4.28 2.85 4.49 3.10 4.74 3.38 5.03 3.68 5.37 4.01 5.78 70 2.66 4.33 2.87 4.53 3.11 4.78 3.36 4.32 2.92 4.56 3.22 4.84 3.55 5.17 3.92 5.56 4.32 6.03 75 2.69 4.35 2.98 4.61 3.32 4.93 3.71 5.31 4.15 5.76 4.66 6.31 80 2.71 4.37 3.02 4.65 3.39 5.00 3.84 5.43 4.37 5.96 5.01 6.61 85 2.73 4.39 3.04 4.68 3.44 5.06 3.64 5.40 3.93 5.79 65 2.72 4.38 2.97 4.61 3.24 4.89 3.55 5.21 3.88 5.59 4.23 6.03 70 2.77 4.42 3.05 4.68 3.37 4.99 3.73 5.37 4.14 5.81 4.57 6.31 75 2.80 4.46 3.11 4.75 3.47 5.09 3.90 5.52 4.40 6.03 4.94 6.63 80 2.83 4.49 3.15 4.79 3.56 5.18 4.05 5.66 4.64 6.25 5.32 6.96 85 2.84 4.51 3.18 4.83 3.61 5.24 4.16 5.78 4.84 6.45 5.66 7.29 5.53 4.56 6.14 5.33 6.92 Joint and 66 2/3% Survivor Life Primary Annuitant Male Age 60 65 70 75 80 85 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Female Age 60 2.62 4.29 2.78 2.52 4.19 2.68 4.34 2.83 4.50 2.98 4.67 3.13 4.86 3.28 5.08 65 2.61 4.26 2.80 4.44 2.94 3.00 4.63 3.19 4.84 3.38 5.07 3.57 5.32 70 2.68 4.32 2.91 4.53 3.16 4.77 3.41 5.03 3.66 5.30 3.91 5.61 75 2.73 4.37 3.00 4.62 3.30 4.90 3.63 5.21 3.96 5.57 4.31 5.95 80 2.76 4.41 3.06 4.68 3.41 5.01 3.82 5.39 4.27 5.84 4.74 6.34 85 2.79 4.44 3.10 4.81 3.26 5.02 3.40 5.23 65 2.72 4.37 2.92 4.56 3.12 4.77 3.33 5.00 3.53 5.24 3.72 5.50 70 2.80 4.45 3.04 4.67 3.31 4.93 3.58 5.21 3.84 5.51 4.10 5.82 75 2.86 4.51 3.15 4.77 3.47 5.08 3.82 5.43 4.18 5.81 4.53 6.20 80 2.91 4.56 3.23 4.86 3.61 5.22 4.05 5.65 4.53 6.13 5.01 6.65 85 2.94 4.60 3.29 4.93 3.72 5.34 4.24 5.84 4.85 6.45 5.50 7.12 4.73 3.50 5.10 3.97 5.55 4.54 6.10 5.19 6.76 10-2253 28 2040 19 Joint and 100% Survivor Life Primary Annuitant Male Age 60 65 70 75 80 85 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% 1.00% 4.00% Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Female Age 60 2.47 4.11 2.40 4.17 2.48 4.32 2.55 4.19 4.49 2.59 4.67 2.62 4.26 2.67 4.31 2.70 4.35 2.72 4.37 4.87 2.64 5.10 65 2.60 2.51 4.23 2.73 4.35 2.85 4.45 2.65 4.42 2.76 4.62 2.84 4.84 2.90 5.07 2.93 4.54 2.99 4.61 3.03 4.65 5.34 70 2.71 4.34 2.90 2.61 4.28 2.80 4.50 3.08 4.66 2.97 4.74 3.11 5.01 3.22 4.80 3.33 4.92 3.41 5.01 5.30 3.29 5.62 75 2.81 4.43 3.05 4.65 3.30 4.87 3.53 5.09 3.73 5.29 3.87 5.44 80 2.87 4.51 3.16 4.77 3.49 5.07 3.83 5.38 4.15 5.69 4.41 5.96 85 2.68 4.33 2.92 4.57 3.25 4.87 3.16 4.86 3.38 5.18 3.58 5.55 3.72 5.96 80 2.73 4.36 3.01 4.62 3.32 4.95 3.64 5.23 4.09 5.65 4.56 6.11 5.01 6.55 OPTION 4 — 5.34 3.95 5.80 4.22 6.32 85 2.77 4.38 3.07 4.67 3.44 5.02 3.85 5.47 4.31 6.03 4.76 6.70 PERIOD CERTAIN ONLY Monthly Income Years 1.00% Fixed 4.00% Variable 10 8.75 10.06 11 7.99 9.31 12 7.36 8.69 13 6.83 8.17 14 6.37 7.72 15 5.98 7.34 16 5.63 7.00 17 5.33 6.71 18 5.05 6.44 19 4.81 6.21 20 4.59 6.00 21 4.40 5.81 22 4.22 5.64 23 4.05 5.49 24 3.90 5.35 25 3.76 5.22 26 3.64 5.10 27 3.52 5.00 28 3.41 4.90 29 3.31 4.80 30 3.21 4.72 10-2253 2040 20 Pacific Life & Annuity Company l [700 Newport Center Drive l Nxxxxxx Xxxxxx Xxxxx x Xxxxxxx Xxxxx, XX 00000] XXDIVIDUAL INDIVIDUAL FLEXIBLE PREMIUM DEFERRED VARIABLE ANNUITY CONTRACT Investment Experience Reflected in Benefits Variable Accumulation Before Annuity Date Annuities Payable in Fixed and/or Variable Dollar Amounts Death Benefit Proceeds Payable Before Annuity Date Non-Participating
Appears in 1 contract
Samples: Individual Flexible (Separate Account a of Pacific Life & Annuity Co)
Basis of Computations. The actuarial basis for the fixed Annuity Option Tables is the 1983a Annuity 2000 Mortality Table with the ages set back ten (10) years with interest at an annual interest rate of 1.003%. The rates for variable annuity payments are based on an assumed investment return of 4.005% per year and the 1983a Annuity 2000 Mortality Table with the ages set back ten (10) years. Rates Not Shown – — Any rates and/or ages not shown in the tables contained in this Contract will be provided by the Company upon request. Annuity benefits will not be less than those that would have been provided by the application of an amount to purchase any single premium immediate annuity offered by us at the time annuity payments commence to the same class of annuitants. 10ICC10:10-2253 ANNUITY TABLES 1185 OPTIONS 1 AND 2 - LIFE ONLY OR LIFE WITH GUARANTEED PERIOD CERTAIN OF 10 AND 20 YEARS Fixed Annuity Rates Male at 1.003% Female at 1.003% Unisex at 1.003% Life with Life with Life with Guaranteed Guaranteed Guaranteed Life Period Guaranteed Period Guaranteed Period Life Certain Life Period Certain Life Period Certain Age Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. 30 1.82 1.82 1.82 1.74 1.74 1.74 1.78 1.78 1.78 3.04 3.03 3.03 2.93 2.93 2.93 2.99 2.98 2.98 35 1.93 1.93 1.93 1.84 1.84 1.84 1.89 1.89 1.88 3.14 3.14 3.13 3.02 3.02 3.01 3.08 3.08 3.07 40 2.07 2.07 2.06 1.96 1.96 1.95 2.01 2.01 2.01 3.28 3.27 3.26 3.13 3.12 3.12 3.20 3.20 3.19 45 2.23 2.23 2.22 2.10 2.10 2.09 2.17 2.16 2.16 3.44 3.44 3.41 3.26 3.26 3.24 3.35 3.35 3.33 50 2.43 2.42 2.40 2.27 2.27 2.26 2.35 2.35 2.33 3.66 3.64 3.60 3.42 3.42 3.40 3.54 3.54 3.50 55 2.68 2.67 2.63 2.48 2.48 2.46 2.58 2.57 2.54 3.93 3.90 3.82 3.63 3.63 3.59 3.78 3.77 3.71 60 2.98 2.97 2.89 2.75 2.74 2.70 2.87 2.85 2.80 65 3.37 3.34 3.20 3.08 3.06 2.99 3.23 3.20 3.10 70 4.27 4.22 4.08 3.90 3.89 3.82 3.55 3.52 3.49 3.34 3.70 3.65 3.45 4.09 4.06 3.96 65 4.70 4.62 4.39 4.25 4.22 4.11 4.48 4.43 4.25 70 5.28 5.14 4.71 4.72 4.66 4.44 5.00 4.90 4.58 75 4.58 4.43 3.90 4.11 4.03 3.72 4.34 4.23 3.82 6.10 5.81 5.02 5.35 5.22 4.79 5.73 5.52 4.92 80 5.54 7.23 6.61 5.27 6.25 5.96 5.12 6.74 6.30 5.20 4.21 4.93 4.75 4.09 5.23 4.98 4.16 85 6.87 6.08 4.43 6.12 5.66 4.37 6.49 5.87 4.40 8.82 7.49 5.42 7.56 6.89 5.35 8.18 7.20 5.39 90 8.72 6.99 4.54 7.88 6.70 4.52 8.29 6.85 4.53 11.06 8.33 5.49 9.53 7.89 5.47 10.28 8.12 5.48 95 11.30 7.77 4.58 10.50 7.63 4.58 10.89 7.70 4.58 14.16 8.97 5.51 12.48 8.74 5.50 13.30 8.86 5.51 Variable Annuity Rates Male at 4.005% Female at 4.005% Unisex at 4.005% Life with Life with Life with Guaranteed Guaranteed Guaranteed Life Period Guaranteed Period Guaranteed Period Life Certain Life Period Certain Life Period Certain Age Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. Only 10 Yr. 20 Yr. 30 3.65 3.64 3.64 3.58 3.58 3.57 3.61 3.61 3.60 35 3.73 3.73 3.72 3.65 3.65 3.64 3.69 3.69 3.68 40 3.84 3.83 3.82 3.74 3.73 3.73 3.79 3.78 3.77 45 3.97 3.97 3.94 3.85 3.84 3.83 3.91 3.91 3.89 50 4.15 4.14 4.10 3.99 3.99 3.97 4.07 4.06 4.04 55 4.38 4.37 4.36 4.29 4.18 4.17 4.13 4.28 4.27 4.22 4.29 4.29 4.34 4.33 4.33 35 4.46 4.46 4.44 4.36 4.35 4.35 4.41 4.41 4.40 40 4.57 4.56 4.54 4.44 4.44 4.42 4.51 4.50 4.49 45 4.71 4.70 4.67 4.55 4.54 4.52 4.63 4.62 4.60 50 4.91 4.89 4.82 4.69 4.68 4.65 4.80 4.78 4.74 55 5.16 5.12 5.02 4.87 4.86 4.81 5.02 4.99 4.92 60 4.67 4.64 4.52 4.42 4.40 4.34 4.55 4.52 4.44 5.48 5.41 5.24 5.12 5.09 5.01 5.30 5.26 5.13 65 5.05 4.99 4.80 4.74 4.70 4.60 4.90 4.85 4.70 5.89 5.79 5.51 5.44 5.40 5.26 5.67 5.60 5.39 70 5.56 5.44 5.10 5.16 5.10 4.90 5.36 5.28 5.00 6.46 6.28 5.80 5.89 5.80 5.55 6.18 6.05 5.68 75 6.27 6.04 5.41 5.75 5.63 5.24 6.01 5.83 5.33 7.27 6.91 6.08 6.51 6.34 5.87 6.89 6.64 5.98 80 7.25 6.77 5.67 6.57 6.32 5.57 6.91 6.54 5.62 8.41 7.68 6.29 7.39 7.05 6.16 7.90 7.38 6.23 85 8.61 7.60 5.86 7.79 7.19 5.81 8.20 7.40 5.83 10.02 8.52 6.43 8.72 7.93 6.37 9.36 8.24 6.40 90 10.52 8.44 5.96 9.60 8.16 5.94 10.05 8.30 5.95 12.29 9.30 6.49 10.71 8.88 6.47 11.49 9.10 6.48 95 13.16 9.16 5.99 12.30 9.03 5.99 12.73 9.09 5.99 1015.42 9.90 6.51 13.70 9.68 6.50 14.55 9.80 6.51 ICC10:10-2253 27 1185 28 OPTION 3 — JOINT AND 50% SURVIVOR LIFE Primary Annuitant Male Age 60 65 70 75 80 85 1.003% 4.005% 1.003% 4.005% 1.003% 4.005% 1.003% 4.005% 1.003% 4.005% 1.003% 4.005% Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Female Age 60 2.70 4.38 2.91 4.58 3.13 4.82 3.37 5.11 3.63 5.44 3.90 5.80 3.91 5.12 4.13 5.34 4.39 5.60 4.69 5.92 5.02 6.30 5.38 6.73 65 2.78 4.44 3.02 4.67 3.28 4.94 3.57 5.27 3.88 5.63 4.20 6.04 3.99 5.19 4.25 5.43 4.54 5.73 4.88 6.09 5.26 6.51 5.67 6.98 70 2.84 4.50 3.12 4.76 3.43 5.07 3.78 5.44 4.16 4.06 5.25 4.36 5.53 4.70 5.87 5.10 6.27 5.55 6.75 6.03 7.29 75 4.12 5.31 4.46 5.62 4.85 6.00 5.32 6.47 5.86 4.56 6.33 75 2.89 4.55 3.20 4.84 3.57 5.19 3.99 5.62 4.46 6.12 4.95 7.03 6.45 7.66 80 4.17 5.36 4.54 5.70 4.98 6.13 5.54 6.67 80 2.93 4.59 3.27 4.91 3.68 5.30 4.17 5.79 4.74 6.38 5.37 7.05 6.18 7.33 6.91 8.08 85 2.95 4.62 3.31 4.96 3.76 5.39 4.32 5.94 5.00 6.63 5.79 7.44 4.21 5.40 4.60 5.77 5.09 6.24 5.72 6.86 6.49 7.63 7.40 8.54 Primary Annuitant Unisex Age 60 65 70 75 80 85 1.003% 4.005% 1.003% 4.005% 1.003% 4.005% 1.003% 4.005% 1.003% 4.005% 1.003% 4.005% Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Unisex Age 60 2.66 4.33 2.87 4.53 3.11 4.78 3.36 5.06 3.64 5.40 3.93 5.79 3.84 5.05 4.07 5.27 4.34 5.54 4.65 5.86 5.00 6.24 5.39 6.69 65 2.72 3.90 5.10 4.17 5.35 4.47 5.65 4.83 6.01 5.23 6.44 5.68 6.94 70 3.96 5.15 4.25 5.43 4.60 5.76 5.02 6.17 5.49 6.66 6.03 7.24 75 4.00 5.19 4.32 5.49 4.72 5.87 5.20 6.34 5.76 6.91 6.41 7.58 80 4.03 5.23 4.38 2.97 4.61 3.24 4.89 3.55 5.21 3.88 5.55 4.81 5.96 5.36 6.49 6.02 7.15 6.81 7.96 85 4.05 5.25 4.42 5.59 4.23 6.03 70 2.77 4.42 3.05 4.68 3.37 4.99 3.73 5.37 4.14 5.81 4.57 6.31 75 2.80 4.46 3.11 4.75 3.47 5.09 3.90 5.52 4.40 6.03 4.94 6.63 80 2.83 4.49 3.15 4.79 3.56 5.18 4.05 5.66 4.64 4.88 6.04 5.49 6.62 6.25 5.32 6.96 85 2.84 4.51 3.18 4.83 3.61 5.24 4.16 5.78 4.84 6.45 5.66 7.29 Joint and 7.38 7.20 8.33 OPTION 3 — JOINT AND 66 2/3% Survivor Life SURVIVOR LIFE Primary Annuitant Male Age 60 65 70 75 80 85 1.003% 4.005% 1.003% 4.005% 1.003% 4.005% 1.003% 4.005% 1.003% 4.005% 1.003% 4.005% Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Female Age 60 2.62 4.29 2.78 4.44 2.94 4.62 3.10 4.81 3.26 5.02 3.40 5.23 3.80 5.01 3.97 5.18 4.16 5.36 4.35 5.58 4.55 5.81 4.76 6.06 65 2.72 4.37 2.92 3.90 5.10 4.12 5.30 4.34 5.52 4.58 5.77 4.83 6.05 5.07 6.34 70 4.00 5.18 4.25 5.42 4.53 5.69 4.84 6.00 5.15 6.33 5.46 6.68 75 4.08 5.26 4.38 5.54 4.72 5.87 5.11 6.25 5.51 6.66 5.92 7.10 80 4.14 5.33 4.48 5.64 4.89 6.03 5.37 6.50 5.90 7.03 6.45 7.59 85 4.19 5.38 4.56 3.12 4.77 3.33 5.00 3.53 5.24 3.72 5.50 70 2.80 4.45 3.04 4.67 3.31 4.93 3.58 5.21 3.84 5.51 4.10 5.82 75 2.86 4.51 3.15 4.77 3.47 5.08 3.82 5.43 4.18 5.81 4.53 6.20 80 2.91 4.56 3.23 4.86 3.61 5.22 4.05 5.65 4.53 6.13 5.01 6.65 85 2.94 4.60 3.29 4.93 3.72 5.34 4.24 5.84 4.85 6.45 5.50 7.12 10-2253 28 Joint and 5.73 5.03 6.17 5.61 6.73 6.28 7.39 7.02 8.14 OPTION 3 — JOINT AND 100% Survivor Life SURVIVOR LIFE Primary Annuitant Male Age 60 65 70 75 80 85 1.003% 4.005% 1.003% 4.005% 1.003% 4.005% 1.003% 4.005% 1.003% 4.005% 1.003% 4.005% Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Fixed Variable Female Age 60 2.47 4.11 2.55 4.19 2.62 4.26 2.67 4.31 2.70 4.35 2.72 4.37 3.60 4.80 3.69 4.88 3.76 4.94 3.81 5.00 3.84 5.04 3.87 5.06 65 2.60 3.75 4.93 3.88 5.04 3.99 5.15 4.07 5.23 4.14 5.30 4.18 5.35 70 3.88 5.05 4.06 5.21 4.24 5.37 4.38 5.52 4.50 5.63 4.58 5.72 75 3.99 5.16 4.23 2.73 4.35 2.85 4.45 2.93 4.54 2.99 4.61 3.03 4.65 70 2.71 4.34 2.90 5.38 4.49 5.61 4.72 5.83 4.93 6.03 5.08 6.19 80 4.08 5.25 4.38 5.52 4.72 5.83 5.07 6.17 5.40 6.49 5.68 6.77 85 4.15 5.33 4.50 3.08 4.66 3.22 4.80 3.33 4.92 3.41 5.01 75 2.81 4.43 3.05 4.65 3.30 4.87 3.53 5.09 3.73 5.29 3.87 5.44 80 2.87 4.51 3.16 4.77 3.49 5.07 3.83 5.38 4.15 5.69 4.41 5.96 85 2.92 4.57 3.25 4.87 3.64 5.23 4.09 5.65 4.56 6.11 5.01 6.55 4.91 6.03 5.39 6.49 5.89 6.97 6.37 7.44 ICC10:10-1185 29 OPTION 4 — PERIOD CERTAIN ONLY Monthly Income 3% 5% Years 1.00% Fixed 4.00% Variable 5 17.90 18.74 6 15.13 15.98 7 13.16 14.02 8 11.68 12.56 9 10.53 11.42 10 8.75 10.06 9.61 10.51 11 7.99 9.31 8.86 9.77 12 7.36 8.69 8.24 9.16 13 6.83 8.17 7.71 8.64 14 6.37 7.72 7.26 8.20 15 5.98 7.34 6.87 7.82 16 5.63 7.00 6.53 7.49 17 5.33 6.23 7.20 18 5.96 6.94 19 5.73 6.71 18 5.05 6.44 19 4.81 6.21 20 5.51 6.51 21 5.32 6.33 22 5.15 6.17 23 4.99 6.02 24 4.84 5.88 25 4.71 5.76 26 4.59 6.00 21 4.40 5.81 22 4.22 5.64 23 4.05 5.49 24 3.90 5.35 25 3.76 5.22 26 3.64 5.10 5.65 27 3.52 5.00 4.47 5.54 28 3.41 4.90 4.37 5.45 29 3.31 4.80 4.27 5.36 30 3.21 4.72 104.18 5.28 ICC10:10-2253 1185 30 Pacific Life & Annuity Insurance Company l • [700 Nxxxxxx Xxxxxxx Xxxxxx Xxxxx x • Xxxxxxx Xxxxx, XX 00000] XXDIVIDUAL INDIVIDUAL FLEXIBLE PREMIUM DEFERRED VARIABLE ANNUITY CONTRACT Investment Experience Reflected in Benefits Variable Accumulation Before Annuity Date Withdrawal Charges Waived in Specific Instances Annuities Payable in Variable and Fixed and/or Variable Dollar Amounts Death Benefit Proceeds Payable Before Annuity Date Non-Participating
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