National Independent Marketing Organization 40 Years Supporting Brokers Specializing in Advanced Designs for Estate and Business Planning Industry competition analysts New business support Experienced case design support Training Life, Disability, LTC, and Annuities For Life Insurance Producer Use Only. Not for Use with the Public. 1 of 12

Life Insurance for Your Clients’ Family, Business, and Estate MKT12-261A 1/2013 For Life Insurance Producer Use Only. Not for Use with the Public.

A MUTUAL HOLDING COMPANY STRUCTURE … PROMISES … allows Pacific Life to take the LONG-TERM VIEW. No publicly traded stock – we operate for the benefit of our policyowners and clients For Life Insurance Producer Use Only. Not for Use with the Public. 3 of 12

27 Life insurance products with current Cost of Insurance (COI) improvements 19 Life insurance products with current premium load reduced twice 10 Life insurance products added zero net loan spread Zero interest on loan spread on a current basis 7 Products benefiting from a "reduction in Deferred Acquisition Cost adjustment“ 6 Life insurance products received COI improvements two or more times 4 Life insurance products received an increase in the persistency credit 1 Life insurance product reduced the mortality and expense charge 123 IMPROVEMENTS BENEFITING POLICYOWNERS SINCE Life insurance product received a reduced surrender charge For Life Insurance Producer Use Only. Not for Use with the Public. 4 of 12

FINANCIAL RATINGS STRENGTH As of 1/2013. For most current ratings, visit RATING AGENCY RATINGRANKING For Life Insurance Producer Use Only. Not for Use with the Public. 5 of 12

30 (60%) of the 50 largest U.S. companies are our clients 52 (52%) of the 100 largest U.S. companies are our clients 182 (36%) of the 500 largest U.S. companies are our clients Client count as of May 2012 is compiled by Pacific Life using the 2012 FORTUNE 500 ® list. PACIFIC LIFE CLIENTS AMONG THE 500 LARGEST U.S. COMPANIES For Life Insurance Producer Use Only. Not for Use with the Public. 6 of 12

$116,811 Million $107,852 Million Pacific Mutual Holding Company as of 12/31/2011. $225 BILLION OF INDIVIDUAL LIFE INSURANCE IN FORCE Policyowner and other liabilities Company assets For Life Insurance Producer Use Only. Not for Use with the Public. 7 of 12

COMBINED SUPPORT RESOURCES & TOOLS POLICYOWNER WEBSITE Check policy values Download forms Education center ADVANCED DESIGNS Estate, business, and estate planning support Sales concept evaluation WEBSITE Sales ideas Product information, advanced market concepts, applications, and forms PLANNED PERFORMANCE TRACKING Automated inforce illustrations Policy tracking reports Policy alerts Lifeline.PacificLife.com For Life Insurance Producer Use Only. Not for Use with the Public. 8 of 12

PRODUCTS SPECTRUM OF DIVERSITY Variable Universal Life (VUL) Single life and second to die 5 indexed accounts and 1 fixed account High current growth cap and participation rates Indexed Universal Life (IUL) Single life and second die Single life with long-term care benefit Universal Life (UL) 10 and 20 year level premium Income term Term Single life and second to die Wide spectrum of variable investment options Lifecycle portfolios Indexed-based asset allocation portfolios Specialty funds Portfolio Optimization portfolios Services to reinforce buy/sell discipline Dollar Cost Averaging Charges by Investment Option First-Year Transfer Program Fixed Option Interest Sweep For Life Insurance Producer Use Only. Not for Use with the Public. 9 of 12

Single Life Sales #1 UL #1 IUL #2 VUL Joint Life Sales #2 IUL #2 VUL LIMRA International, 3rd Quarter 2012 Confidential Sales Survey of Participating Life Insurance Companies. Sales rankings for Pacific Life Insurance Company are based on planned recurring premium as measured against 85 participating companies. SALES RANKINGS #5 in overall sales For Life Insurance Producer Use Only. Not for Use with the Public. 10 of 12

PEOPLE GET TO KNOW US Dedicated investment marketing team for VUL Advanced designs team of attorneys Industry competition analysts New business support Experienced case design support For Life Insurance Producer Use Only. Not for Use with the Public. 11 of 12

COMMITMENT For more than 140 years, we have maintained a steady eye on the future while focusing on the needs of our clients and policyowners. The Pacific Life Experience For Life Insurance Producer Use Only. Not for Use with the Public. 12 of 12

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) * Pacific Life & Annuity Company Newport Beach, CA (888) * Pacific Life refers to Pacific Life Insurance Company and its affiliates, including Pacific Life & Annuity Company. Insurance products are issued by Pacific Life Insurance Company in all states except New York and in New York by Pacific Life & Annuity Company. Product availability and features may vary by state. Each insurance company is solely responsible for the financial obligations accruing under the products it issues. 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 products are purchased. Neither these entities nor their representatives make any representation or assurance regarding the claims-paying ability of the life insurance company. MKT12-261A For Life Insurance Producer Use Only. Not for Use with the Public. 13 of 12