For Life Insurance Producer Use O nly. Not for Use with the Public.

1. DEFEND Retirement Pacific PremierCare*Universal Life Insurance with Long-Term Care Benefits Part of Living Well Is Planning Ahead Pacific Life Insurance Company *Pacific Life Insurance Company’s Pacific PremierCare (Policy Form #P11PPC or ICC11 P11PPC — policy form number based on state in which policy is issued) is a flexible premium adjustable life insurance policy with long-term care insurance payable through reimbursements. Pacific PremierCare is not a Partnership Qualified product. For more information on Partnership Qualified products, please contact your state department of insurance. March 2012PPC-25 For Life Insurance Producer Use Only. Not for Use with the Public.

2. The Perfect Storm America’s health care concerns Mad rush to retirement for baby boomers Fluctuating economy and stock markets For Life Insurance Producer Use Only. Not for Use with the Public.

3. Consumer Mindset – Attain & Keep Independence As Long As Possible Financial Independence Concern 1st Apartment Driver’s License 1st Time Walking to School Alone For Life Insurance Producer Use Only. Not for Use with the Public.

4. Rising Costs of Long-Term Care +120% Increase 7Out of 10Americans age 65+ will need some type of long-term care‡ 4.05% Average AnnualIncrease Rate in U.S. Over 20 years*† $181,000*‡Projected Average Annual Nursing Home Cost * 2011 Sourcebook for Long-Term Care Insurance, American Association for Long-Term Care Insurance. † Based on average annual increase rate of 4.05% from 1994 to 2010.‡ U.S. Administration on Aging, Department of Health and Human Services, May 2010. 202-619-0724. $82,000*Average Annual Nursing Home Cost 2010 2030 For Life Insurance Producer Use Only. Not for Use with the Public.

5. The Government Will Take Care of Me • MedicareShort-Term, won’t cover most long-term care services • MedicaidEligibility requires limited income and resources For Life Insurance Producer Use Only. Not for Use with the Public.

6. WHAT WOULD HAPPEN TO THEIR RETIREMENT ASSETS IF EXPENSES SUDDENLY DOUBLED? Regardless of how your clients plan to pay for long-term care…. For Life Insurance Producer Use Only. Not for Use with the Public.

7. Buying Traditional Long-Term Care Insurance PROs: • Recurring premium payments = peace of mind • Increases funds available to help pay for long-term care expenses • Simple and makes sense • Recurring premiums may not be guaranteed and may increase later • Never need long-term care - premiums may be lost CONs: For Life Insurance Producer Use Only. Not for Use with the Public.

8. Self-Insuring PROs: • Maintain control of assets • No premium payments • Leave assets to heirs • Risk depleting retirement assets CONs: For Life Insurance Producer Use Only. Not for Use with the Public.

9. Pacific PremierCareA Better Option $1,000,000 Keep Same Retirement Assets • Least Taxable* • Least Earning Potential • Most Liquid Reposition a Portion ($100K): *Those assets which will generate the least amount of tax when liquidated. For Life Insurance Producer Use Only. Not for Use with the Public.

10. INCREASE FUNDS Available for Long-Term Care with Pacific PremierCare 6 x Premium 4 x Premium Age 80 Total Long-Term Care Benefits:**$646,377 Monthly Maximum Benefit:***$8,575 Day 1(Age 60) Total Long-Term Care Benefits:**$414,839 Monthly Maximum Benefit:*** $5,360 $100,000(1-Time Premium Payment*) *Only one premium is necessary to fund Pacific PremierCare. While this product allows additional premiums, they are not required and do not provide additional Long-Term Care Benefits, a greater Return of Premium Benefit, or increased Death Proceeds (unless a subsequent increase in the policy’s cash value requires a death benefit increase to satisfy IRC Section 7702 requirements). Once a sufficient premium has been paid, the long-term care coverage will continue as long as the insured lives; or until the policy is surrendered at the owner’s request; or until the maximum long-term care benefits have been paid; or until policy lapse. Policy charges (cost of insurance and coverage charges) are deducted from the policy’s accumulated value on a monthly basis. Policy lapse will only occur where the policy’s cash value less policy debt is not sufficient to cover monthly policy charges. Prior to lapse, the policy provides 61 days to pay premium sufficient to keep the policy in force. **Reimbursements for covered long-term care expenses are subject to an elimination period and are provided by the Accelerated Benefit Rider (ABR) for Long Term Care(Form #R11ABR or ICC11 R11ABR) and the Extended Benefit Rider (EBR) for Long Term Care (Form #R11EBR or ICC11 R11EBR). (Rider form numbers based on state in which policy is issued.) The amount and duration of the maximum long-term care benefits will be based on the benefit options elected at time of application. Coverage elected for longer than two years is only provided through a combination of ABR and EBR. Actual amount and duration of long-term care benefits are based on the use of policy benefits and features. Covered long-term care expenses will be reimbursed until the total long-term care benefits are exhausted, which may vary from the elected duration. Premiums for long-term care benefits will vary depending upon the benefit options elected. Charges for the ABR, EBR, and any Inflation Benefit Option are included in the initial premium payment. ***The monthly amount reimbursed is the cost of covered long-term care expenses actually incurred, which may be less than the Monthly Maximum Benefit. The Monthly Maximum Benefit may be pro-rated based on the actual number of days that the insured is chronically ill or confined to a facility. Hypothetical example only. Assumptions: Female, nonsmoking, married insured, issue age 60 with 6-year long-term care Benefit Period duration elected with 3% Simple Interest Inflation Benefit Option. Actual benefit amounts would be different, depending upon insured’sage, gender, couples discount, and smoking status. Policy Benefits are reduced by any policy loans, withdrawals, or terminal illness benefit paid under the policy. Death Proceeds and Return of Premium Benefit will be reduced when long-term care benefits are taken. Values assume no prior distributions of any kind taken. Age 80 benefits assume long-term care benefits begin at age 80. For Life Insurance Producer Use Only. Not for Use with the Public.

11. Pacific PremierCare Long-Term Care Benefits • If long-term care is needed ... Covered expenses are reimbursed Tax-free*benefits 2–8 year benefit periods 3 inflation benefit options 0-day elimination period for in-home care • *Pacific PremierCare is intended to provide federally tax-qualified long-term care insurance as defined in IRC Section 7702B(b). If there are any questions concerning the tax implications of this product, an attorney or qualified tax advisor should be consulted. • Exclusions, Exceptions, and Limitations:  We will not pay benefits for any room and board, care, treatment, services, equipment, or other items for care or services: 1) provided by the Insured’s Immediate Family unless he or she is a regular employee of an organization which is providing the treatment, service or care; and the organization receives the payment for the treatment, service or care; 2) for which no charge is normally made in the absence of insurance; 3) provided outside the United States of America, except as described in the International Benefit; 4) that result from an attempt at suicide (while sane or insane) or an intentionally self-inflicted injury; 5) provided in a government facility (unless otherwise required by law); 6) for which benefits are available under Medicare or other governmental program (except Medicaid), any state or federal workers’ compensation, employer’s liability or occupational disease law, or any motor vehicle no-fault law.  No benefits will be paid for services received while the Accelerated Benefit Rider (ABR) for Long Term Care and the Extended Benefit Rider (EBR) for Long Term Care are not in force.  • Policy benefits are reduced by any policy loans, withdrawals or terminal illness benefit paid under the policy. Death Proceeds and Return of Premium Benefit will be reduced when long-term care benefits are taken. For Life Insurance Producer Use Only. Not for Use with the Public.

12. Pacific PremierCare Retain Control of Assets* • If long-term care is NEVER needed ... Money back option — Return of Premium Benefit** Tax-free***death proceeds** *Pacific PremierCare requires a larger up-front premium than traditional Long-Term Care insurance. However, if the overall goal is to retain control of assets while protecting against the financial impact of long-term care costs on retirement savings, Pacific PremierCare can help your client do more. **Policy benefits are reduced by any policy loans, withdrawals or Terminal Illness Benefit paid under the policy. Death Proceeds and Return of Premium Benefit will be reduced when long-term care benefits are taken. ***For federal income tax purposes, life insurance death benefits generally pay income tax-free to beneficiaries pursuant to IRC Section 101(a)(1). In certain situations, however, life insurance death benefits may be partially or wholly taxable. Situations include, but are not limited to: the transfer of a life insurance policy for valuable consideration unless the transfer qualifies for an exception under IRC Section 101(a)(2) (i.e. the “transfer-for-value rule”); arrangements that lack an insurable interest based on state law; and an employer-owned policy unless the policy qualifies for an exception under IRC Section 101(j). Additionally, a portion of the Pacific PremierCare’s Death Proceeds may be income taxable if the policy was issued as part of an IRC Sec. 1035 income tax-free exchange. Clients should consult their independent tax advisor. For Life Insurance Producer Use Only. Not for Use with the Public.

13. Pacific PremierCare Additional Benefits • Couples Discount* Lower premium for married policyowners or couples in state-sanctioned civil unions or in domestic partnerships • International Benefit**Nursing home care outside U.S. *Discounted premiums for policyowners who are married or in state-sanctioned civil unions or domestic partnerships. Does not require the purchase of the policy by both parties. The Couples Discount is not available in Montana. Individuals in Montana may be eligible for a Household Discount based on their existing living arrangements.**International Benefits (for nursing home care received outside the United States only) are not limited to the cost of care and are paid at a rate equal to the monthly maximum long-term care benefit for up to 24 months. No other long-term care benefits are payable in a month in which International Benefits are payable. For Life Insurance Producer Use Only. Not for Use with the Public.

14. Pacific PremierCare More than Protection, Care Coordination Care Coordination Services* Offered at No Additional Charge *Benefits paid out for Care Coordination (excluding Pacific Life’s Care Coordination Services) will reduce the total long-term care benefits available and are subject to the maximum monthly benefit amount. • Assess long-term care benefits • Help find qualified care • Develop plan of covered care • Reassess long-term care needs • Monitor delivery of services For Life Insurance Producer Use Only. Not for Use with the Public.

15. Minutes to Apply, Decision in About a Week Application Processed Phone Interview 30 – 45 Minutes Insurance Applicant Interviewer Pacific PremierCareis subject to underwriting and approval of the application. No medical exam is required, but a Medical Information Bureau (MIB) and prescription report will be ordered and a Personal History Interview and Cognitive Assessment will be performed via telephone as part of the underwriting process. For Life Insurance Producer Use Only. Not for Use with the Public.

16. Technology & SupportDo What You Need To Do, Easier • Quote • Compare • Apply For Life Insurance Producer Use Only. Not for Use with the Public.

17. Pacific PremierCare’s Benefit Quote • 1-Screen Entry • Basic Client Info • Couples Discount For Life Insurance Producer Use Only. Not for Use with the Public.

18. Compare Benefit Periods & Inflation Benefits • Compare by sorting columns. • Filter to narrow down results. For Life Insurance Producer Use Only. Not for Use with the Public.

19. Get Quote • Review quote • Submit ticket For Life Insurance Producer Use Only. Not for Use with the Public.

20. From Quote to Quote Data exports over to EZ Apply Required inputs for an “in good order” submission are highlighted For Life Insurance Producer Use Only. Not for Use with the Public.

21. Case Detail Screen No need to page through unneeded forms! EZ Apply uses the responses to determine if additional responses are needed. For Life Insurance Producer Use Only. Not for Use with the Public.

22. Signature Options 3 Signature Options to fit your needs For Life Insurance Producer Use Only. Not for Use with the Public.

23. Pacific PremierCareGet MORE Out of Life • Universal Life Insurance with Long-Term Care Benefits • Long-Term Care Benefits when Needed Most • 3% Simple, 5% Simple, 5% Compound Inflation Benefits, or No Inflation Benefit Chosen • Liberally Defined Couples Discount • International Care • Streamlined Underwriting Process For Life Insurance Producer Use Only. Not for Use with the Public.

24. Pacific PremierCare RetainControl ProtectRetirementAssets DEFEND Retirement Increase Funds for Long-TermCare 1 PremiumIs All It Takes For Life Insurance Producer Use Only. Not for Use with the Public.

25. This material is not intended to be used, nor can it be used by any taxpayer, for the purpose of avoiding U.S. federal, state or local tax penalties. This material is written to support the promotion or marketing of the transaction(s) or matter(s) addressed by this material. Pacific Life Insurance Company, its distributors and their respective representatives do not provide tax, accounting or legal advice. Any taxpayer should seek advice based on the taxpayer's particular circumstances from an independent tax advisor.Pacific Life Insurance Company is licensed to issue insurance products in all states except New York. Product availability and features may vary by state. Insurance products and their guarantees, including optional benefits and any fixed subaccount crediting rates, are backed by the financial strength and claims-paying ability of the issuing insurance company. Look to the strength of the life insurance company with regard to such guarantees as these guarantees are not backed by the broker-dealer, insurance agency or their affiliates from which this product is purchased. Neither these entities nor their representatives make any representation or assurance regarding the claims-paying ability of the life insurance company. • Pacific Life Insurance Company’s individual life insurance products are marketed exclusively through independent third-party life insurance producers, which may include bank affiliated entities. • Non-guaranteed elements are not guaranteed by definition. As such, Pacific Life Insurance Company reserves the right to change or modify any non-guaranteed element. This right to change non-guaranteed elements is not limited to a specific time or reason. • Some independent third-party life insurance producers, which may include bank affiliated entities, may limit availability of some optional riders based on their client’s age and other factors. Investment and Insurance Products: Not a Deposit – Not FDIC Insured – Not Insured by any Federal Government Agency – No Bank Guarantee – May Lose Value Pacific Life Insurance Company Newport Beach, CA(800) 800-7681 * www.PacificLife.com PPC-25 For Life Insurance Producer Use Only. Not for Use with the Public.