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Underwritten by Pacific Life & Annuity Company

Did you know… 3 out of 4 American workers need eyeglasses or contact lenses to see properly?

But only 4 out of 10 major firms offer their employees a Vision Care plan (source: Hewitt and Associates study of 1,000 major U.S. employers).

In addition, vision problems are increasing VDT (video display terminal) related problems on the rise “Graying” of America –76 million baby boomers in the U.S. –The oldest are age 50+

“Self-insuring” can be expensive Cost of an annual eye exam:$45-90 Cost of eyeglasses$ TOTAL ANNUAL COST$90-390

A wellness benefit for the entire family

Adults Incidence of presbyopia (“farsightedness”) spikes between ages 38 and million adults use computers –Most suffer from VDT disorders –1 million new sufferers every year

Children Vision problems can affect the learning process School screenings may not be enough Problems can be detected as early as 6 months (Source: American Optometric Association)

Freedom of choice Gatekeepers? Panel providers? Choose any vision care provider? Self-referrals to specialists? Change providers at any time? Yes No

Key points Eligibility Deductible Benefits allowances for the following covered services –Examination by an Optometrist or Ophthalmologist –Lenses (single, bifocal, trifocal) –Frames –Contact lenses (cosmetic and non-cosmetic) Please refer to your Summary of Benefits for further details!

The value of group coverage Key advantages over individually purchased insurance –Lower rates –Simplified acceptance –Convenience of payroll deduction

Service, service, service Dedicated Customer Service unit 90% of claims handled in less than 10 working days Call average waiting time is 30 seconds or less Claims financial accuracy exceeds 99%

About... Solid protection from an outstanding insurer Over 50 years group insurance expertise Highly rated

Ratings A.M. BestA++ (Superior) Duff & PhelpsAA+ (Very high) Moody’sAa3 (Excellent) Standard & Poor’sAA+ (Very strong) Ratings do not apply to Pacific Life & Annuity Company’s separate accounts

Please read your materials carefully This has been a brief overview of group coverage underwritten by Pacific Life & Annuity Company. It does not contain all of the policy definitions, limitations and exclusions. For additional information please refer to your Summary of Benefits. THANK YOU.

& Q A © Copyright 1999 Pacific Life & Annuity Company.