<PAGE>
As filed with the Securities and Exchange Commission on August 24, 2000
Registration Nos.
33-88460
811-08946
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM N-4
REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 [_]
Pre-Effective Amendment No. [_]
Post-Effective Amendment No. 9 [X]
and/or
REGISTRATION STATEMENT UNDER THE INVESTMENT COMPANY ACT OF 1940 [_]
Amendment No. 27 [X]
(Check appropriate box or boxes)
SEPARATE ACCOUNT A
(Exact Name of Registrant)
PACIFIC LIFE INSURANCE COMPANY
(Name of Depositor)
700 Newport Center Drive
Newport Beach, California 92660
(Address of Depositor's Principal Executive Offices) (Zip Code)
(949) 219-3743
(Depositor's Telephone Number, including Area Code)
Diane N. Ledger
Vice President
Pacific Life Insurance Company
700 Newport Center Drive
Newport Beach, California 92660
(Name and address of agent for service)
Copies of all communications to:
Diane N. Ledger Jane A. Kanter, Esq.
Pacific Life Insurance Company Dechert Price & Rhoads
P. O. Box 9000 1775 Eye Street, N.W.
Newport Beach, CA 92658-9030 Washington, D.C. 20006-2401
Approximate Date of Proposed Public Offering
It is proposed that this filing will become effective (check appropriate box)
[_] immediately upon filing pursuant to paragraph (b) of Rule 485
[X] on August 28, 2000 pursuant to paragraph (b) of Rule 485
[_] 60 days after filing pursuant to paragraph (a) (1) of Rule 485
[_] on ____________ pursuant to paragraph (a) (1) of Rule 485
If appropriate, check the following box:
[_] this post-effective amendment designates a new effective date for a
previously filed post-effective amendment.
Title of Securities Being Registered: Interests in the Separate Account under
Pacific Portfolios Variable Annuity individual flexible premium variable annuity
contracts.
Filing Fee: None
<PAGE>
PROSPECTUS
(Included in Post-Effective Amendment No. 7 to the Registrant's Registration
Statement on Form N-4, Accession No. 0001017062-00-000955, filed on April 21,
2000, and incorporated by reference herein.)
<PAGE>
STATEMENT OF ADDITIONAL INFORMATION
(Included in Post-Effective Amendment No. 7 to the Registrant's Registration
Statement on Form N-4, Accession No. 0001017062-00-000955, filed on April 21,
2000, and incorporated by reference herein.)
<PAGE>
Supplement Dated August 28, 2000 to
Prospectus Dated May 1, 2000 for
Pacific Portfolios, a variable annuity contract
Issued by Pacific Life Insurance Company
-----------------------------------------------------
Termination of the The assets of Pacific Select Fund Bond and Income
Bond and Portfolio, the underlying Portfolio for the Bond
Income Investment and Income Subaccount, are scheduled to be
Option transferred to the Pacific Select Fund Managed Bond
Portfolio in exchange for shares of the Managed
Other terms of your Bond Portfolio (the "reorganization") on September
policy will not change 22, 2000, at or about 4:00 p.m. Eastern time (the
as a result of the "reorganization date"). At the same time that this
transaction described reorganization occurs, the corresponding Subaccount
in this supplement. Units and Subaccount Annuity Units of the Bond and
Income Subaccount will automatically be transferred
to the Managed Bond Subaccount in exchange for
corresponding units of that Investment Option. The
Bond and Income Subaccount will cease to exist.
You need not take any action regarding the
reorganization. The transfer of your units will
occur automatically on the reorganization date.
If you do not wish to participate in the Managed
Bond Investment Option, you can transfer among the
Investment Options as usual. There will be no
charge on transfers for at least 60 days from the
reorganization date. Thereafter, Pacific Life
reserves the right to impose transfer fees for
transfers as stated in the Prospectus, but there is
no current plan to do so. Any transfer made during
this time will not count toward any limitation we
may impose on the number of transfers you may make
annually.
Unless you instruct us otherwise, to the extent any
outstanding instruction you have on file with us
designates the Bond and Income Subaccount, the
instruction will be deemed an instruction for the
Managed Bond Subaccount. Instructions include, but
are not limited to instructions for Purchase
Payment allocations, any transfer or exchange
instructions, including instructions under the
Portfolio Rebalancing, Dollar Cost Averaging, and
Sweep Programs, and Partial Withdrawal
instructions.
-----------------------------------------------------
Postponement of the The reorganization date may be postponed if:
Transaction
. the New York Stock Exchange or another primary
If the reorganization trading market for Portfolio securities of the
date of the Bond and Bond and Income Portfolio and/or the Managed Bond
Income Portfolio is Portfolio is closed to trading or otherwise
postponed, the restricted, or
corresponding transfer
from the Bond and . trading or the reporting of trading on the New
Income Variable York Stock Exchange or other primary trading
Account to the Managed market is disrupted and the Fund's board of
Bond Variable Account trustees believes the value of the net assets in
will also be either Portfolio cannot be accurately appraised.
postponed.
If either of these events occur, the transaction
described above will be postponed until the first
business day after trading is fully resumed and
reporting has been restored.
<PAGE>
This supplement replaces An Overview of Pacific Portfolios: Fees and Expenses
Paid by the Pacific Select Fund: Other Expenses with the following:
Other Expenses
The table also shows the Fund expenses for each
Portfolio based on expenses in 1999, adjusted to
reflect recently reduced custody fees. To help limit
Fund expenses, effective July 1, 2000 we have
contractually agreed to waive all or part of our
investment advisory fees or otherwise reimburse each
Portfolio for operating expenses (including
organizational expenses, but not including advisory
fees, additional costs associated with foreign
investing and extraordinary expenses) that exceed an
annual rate of 0.10% of its average daily net assets.
Such waiver or reimbursement is subject to repayment to
us to the extent such expenses fall below the 0.10%
expense cap. For each Portfolio, our right to repayment
is limited to amounts waived and/or reimbursed that
exceed the new 0.10% expense cap, but do not exceed the
previously established 0.25% expense cap. Any amounts
repaid to us will have the effect of increasing
expenses of the Portfolio, but not above the 0.10%
expense cap. There is no guarantee that we will
continue to cap expenses after December 31, 2001. In
1999, Pacific Life reimbursed the Small-Cap Index
Portfolio $96,949.
<TABLE>
<CAPTION>
-----------------------------------------------------------------------
Less
Advisory Other Total adviser's Total net
Portfolio fee expenses expenses+ reimbursement expenses
-----------------------------------------------------------------------
As an annual % of average daily net assets
<S> <C> <C> <C> <C> <C>
Aggressive Equity 0.80 0.04 0.84 -- 0.84
Emerging Markets/1/ 1.10 0.19 1.29 -- 1.29
Diversified
Research/2/ 0.90 0.05 0.95 -- 0.95
Small-Cap Equity 0.65 0.04 0.69 -- 0.69
International
Large-Cap/2/ 1.05 0.10 1.15 -- 1.15
Bond and Income 0.60 0.05 0.65 -- 0.65
Equity 0.65 0.03 0.68 -- 0.68
I-Net Tollkeeper/2/ 1.50 0.14 1.64 (0.04) 1.60
Multi-Strategy 0.65 0.04 0.69 -- 0.69
Equity Income 0.65 0.04 0.69 -- 0.69
Growth LT 0.75 0.03 0.78 -- 0.78
Mid-Cap Value 0.85 0.07 0.92 -- 0.92
Equity Index/3/ 0.25 0.04 0.29 -- 0.29
Small-Cap Index 0.50 0.30 0.80 (0.20) 0.60
REIT 1.10 0.15 1.25 (0.05) 1.20
International Value 0.85 0.09 0.94 -- 0.94
Government Securities 0.60 0.05 0.65 -- 0.65
Managed Bond/1/ 0.60 0.05 0.65 -- 0.65
Money Market/1/ 0.35 0.04 0.39 -- 0.39
High Yield Bond/1/ 0.60 0.05 0.65 -- 0.65
Large-Cap Value 0.85 0.08 0.93 -- 0.93
--------------------------------------------------------------------
</TABLE>
/1/ Total adjusted net expenses for these Portfolios in
1999, after deduction of an offset for custodian
credits were: 1.28% for Emerging Markets Portfolio,
0.64% for Managed Bond Portfolio, 0.38% for Money
Market Portfolio, and 0.64% for High Yield Bond
Portfolio.
/2/ Expenses are estimated. There were no actual
advisory fees or expenses for these Portfolios in
1999 because the Portfolios started after December
31, 1999.
/3/ Total adjusted net expenses for the Equity Index
Portfolio in 1999, after deduction of an offset for
custodian credits, were 0.28%. The advisory fee for
the Portfolio has also been adjusted to reflect the
advisory fee increase effective January 1, 2000.
The actual advisory fee and total adjusted net
expenses for this Portfolio in 1999, after
deduction of an offset for custodian credits, were
0.16% and 0.19%, respectively.
+ The Fund has adopted a brokerage enhancement 12b-1
plan, under which brokerage transactions may be
placed with broker-dealers in return for credits,
cash, or other compensation that may be used to
help promote distribution of Fund shares. There are
no fees or charges to any Portfolio under this
plan, although the Fund's distributor may defray
expenses of up to approximately $300,000 for the
year 2000, which it might otherwise incur for
distribution. If such defrayed amount were
considered a Fund expense, it would represent
approximately .0023% or less of any Portfolio's
average daily net assets.
2
<PAGE>
---------------------------------------------------------
Examples is amended The following is added to Examples:
The following table shows the expenses you would pay on
each $1,000 you invested if, at the end of each period,
you: annuitized your Contract; surrendered your
Contract and withdrew the Contract Value, or did not
annuitize or surrender, but left the money in your
Contract.
These examples assume the following:
. the Contract Value starts at $45,000
. the Investment Options have an annual return of 5%
. the Annual Fee is deducted even when the Contract
Value goes over $50,000 and a waiver would normally
apply.
without EGMDBR and GIA Rider reflects the expenses you
would pay if you did not buy the optional Enhanced
Guaranteed Minimum Death Benefit Rider (EGMDBR) and the
Guaranteed Income Advantage (GIA) Rider.
with EGMDBR reflects the expenses you would pay if you
bought the optional Enhanced Guaranteed Minimum Death
Benefit Rider, but not the GIA Rider. These expenses
depend on the age of the youngest Annuitant on the
Contract Date.
with GIA Rider reflects the expenses you would pay if
you bought the optional Guaranteed Income Advantage
Rider, but not the Enhanced Guaranteed Minimum Death
Benefit Rider.
with EGMDBR and GIA Rider reflects the expenses you
would pay if you bought the optional Enhanced
Guaranteed Minimum Death Benefit Rider and the
Guaranteed Income Advantage Rider.
These examples do not show past or future expenses.
Your actual expenses in any year may be more or less
than those shown here.
<TABLE>
<CAPTION>
-----------------------------------------------------------------------------------------
Expenses if you did
not annuitize or
Expenses if you Expenses if you surrender, but left
annuitized surrendered the money in your
your Contract ($) your Contract ($) Contract ($)
-----------------------------------------------------------------------------------------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
Variable Account 1 yr 3 yr 5 yr 10 yr 1 yr 3 yr 5 yr 10 yr 1 yr 3 yr 5 yr 10 yr
-----------------------------------------------------------------------------------------
Aggressive Equity
without EGMDBR and GIA
Rider 87 73 124 265 87 127 151 265 24 73 124 265
with EGMDBR; age 0-65 88 76 129 275 88 130 156 275 25 76 129 275
with EGMDBR; age 66-75 90 82 139 295 90 136 166 295 27 82 139 295
with GIA Rider 90 82 139 295 90 136 166 295 27 82 139 295
with EGMDBR and GIA
Rider; age 0-65 91 85 144 305 91 139 171 305 28 85 144 305
with EGMDBR and GIA
Rider; age 66-75 93 91 154 325 93 145 181 325 30 91 154 325
-----------------------------------------------------------------------------------------
Emerging Markets
without EGMDBR and GIA
Rider 91 86 146 308 91 140 173 308 28 86 146 308
with EGMDBR; age 0-65 92 89 151 318 92 143 178 318 29 89 151 318
with EGMDBR; age 66-75 94 95 161 337 94 149 188 337 31 95 161 337
with GIA Rider 94 95 161 337 94 149 188 337 31 95 161 337
with EGMDBR and GIA
Rider; age 0-65 95 98 166 347 95 152 193 347 32 98 166 347
with EGMDBR and GIA
Rider; age 66-75 97 104 176 365 97 158 203 365 34 104 176 365
-----------------------------------------------------------------------------------------
Diversified Research
without EGMDBR and GIA
Rider 88 76 130 276 88 130 157 276 25 76 130 276
with EGMDBR; age 0-65 89 79 135 286 89 133 162 286 26 79 135 286
with EGMDBR; age 66-75 91 85 145 306 91 139 172 306 28 85 145 306
with GIA Rider 91 85 145 306 91 139 172 306 28 85 145 306
with EGMDBR and GIA
Rider; age 0-65 92 88 150 316 92 142 177 316 29 88 150 316
with EGMDBR and GIA
Rider; age 66-75 94 94 160 335 94 148 187 335 31 94 160 335
-----------------------------------------------------------------------------------------
Small-Cap Equity
without EGMDBR and GIA
Rider 85 68 117 250 85 122 144 250 22 68 117 250
with EGMDBR; age 0-65 86 71 122 260 86 125 149 260 23 71 122 260
with EGMDBR; age 66-75 88 77 132 280 88 131 159 280 25 77 132 280
with GIA Rider 88 77 132 280 88 131 159 280 25 77 132 280
with EGMDBR and GIA
Rider; age 0-65 89 80 137 290 89 134 164 290 26 80 137 290
with EGMDBR and GIA
Rider; age 66-75 91 86 147 310 91 140 174 310 28 86 147 310
-----------------------------------------------------------------------------------------
</TABLE>
3
<PAGE>
<TABLE>
<CAPTION>
---------------------------------------------------------------------------------------
Expenses if you did
not annuitize or
Expenses if you Expenses if you surrender, but left
annuitized surrendered the money in your
your Contract ($) your Contract ($) Contract ($)
---------------------------------------------------------------------------------------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
Variable Account 1 yr 3 yr 5 yr 10 yr 1 yr 3 yr 5 yr 10 yr 1 yr 3 yr 5 yr 10 yr
---------------------------------------------------------------------------------------
International Large-Cap
without EGMDBR and GIA
Rider 90 82 140 296 90 136 167 296 27 82 140 296
with EGMDBR; age 0-65 91 85 145 306 91 139 172 306 28 85 145 306
with EGMDBR; age 66-75 93 91 155 325 93 145 182 325 30 91 155 325
with GIA Rider 93 91 155 325 93 145 182 325 30 91 155 325
with EGMDBR and GIA
Rider; age 0-65 94 94 160 335 94 148 187 335 31 94 160 335
with EGMDBR and GIA
Rider; age 66-75 96 100 169 354 96 154 196 354 33 100 169 354
---------------------------------------------------------------------------------------
Bond and Income
without EGMDBR and GIA
Rider 85 68 117 251 85 122 144 251 22 68 117 251
with EGMDBR; age 0-65 86 71 122 261 86 125 149 261 23 71 122 261
with EGMDBR; age 66-75 88 77 132 281 88 131 159 281 25 77 132 281
with GIA Rider 88 77 132 281 88 131 159 281 25 77 132 281
with EGMDBR and GIA
Rider; age 0-65 89 81 137 291 89 135 164 291 26 81 137 291
with EGMDBR and GIA
Rider; age 66-75 91 87 147 311 91 141 174 311 28 87 147 311
---------------------------------------------------------------------------------------
Equity
without EGMDBR and GIA
Rider 85 68 116 249 85 122 143 249 22 68 116 249
with EGMDBR; age 0-65 86 71 121 259 86 125 148 259 23 71 121 259
with EGMDBR; age 66-75 88 77 131 279 88 131 158 279 25 77 131 279
with GIA Rider 88 77 131 279 88 131 158 279 25 77 131 279
with EGMDBR and GIA
Rider; age 0-65 89 80 136 289 89 134 163 289 26 80 136 289
with EGMDBR and GIA
Rider; age 66-75 91 86 146 309 91 140 173 309 28 86 146 309
---------------------------------------------------------------------------------------
I-Net Tollkeeper
without EGMDBR and GIA
Rider 94 95 162 339 94 149 189 339 31 95 162 339
with EGMDBR; age 0-65 95 98 167 348 95 152 194 348 32 98 167 348
with EGMDBR; age 66-75 97 104 176 367 97 158 203 367 34 104 176 367
with GIA Rider 97 104 176 367 98 160 206 371 34 104 176 367
with EGMDBR and GIA
Rider; age 0-65 98 107 181 376 98 161 208 376 35 107 181 376
with EGMDBR and GIA
Rider; age 66-75 100 113 191 394 100 167 218 394 37 113 191 394
---------------------------------------------------------------------------------------
Multi-Strategy
without EGMDBR and GIA
Rider 85 68 117 250 85 122 144 250 22 68 117 250
with EGMDBR; age 0-65 86 71 122 260 86 125 149 260 23 71 122 260
with EGMDBR; age 66-75 88 77 132 280 88 131 159 280 25 77 132 280
with GIA Rider 88 77 132 280 88 131 159 280 25 77 132 280
with EGMDBR and GIA
Rider; age 0-65 89 80 137 290 89 134 164 290 26 80 137 290
with EGMDBR and GIA
Rider; age 66-75 91 86 147 310 91 140 174 310 28 86 147 310
---------------------------------------------------------------------------------------
Equity Income
without EGMDBR and GIA
Rider 85 68 117 250 85 122 144 250 22 68 117 250
with EGMDBR; age 0-65 86 71 122 260 86 125 149 260 23 71 122 260
with EGMDBR; age 66-75 88 77 132 280 88 131 159 280 25 77 132 280
with GIA Rider 88 77 132 280 88 131 159 280 25 77 132 280
with EGMDBR and GIA
Rider; age 0-65 89 80 137 290 89 134 164 290 26 80 137 290
with EGMDBR and GIA
Rider; age 66-75 91 86 147 310 91 140 174 310 28 86 147 310
---------------------------------------------------------------------------------------
Growth LT
without EGMDBR and GIA
Rider 86 71 121 259 86 125 148 259 23 71 121 259
with EGMDBR; age 0-65 87 74 126 269 87 128 153 269 24 74 126 269
with EGMDBR; age 66-75 89 80 136 289 89 134 163 289 26 80 136 289
with GIA Rider 89 80 136 289 89 134 163 289 26 80 136 289
with EGMDBR and GIA
Rider; age 0-65 90 83 141 299 90 137 168 299 27 83 141 299
with EGMDBR and GIA
Rider; age 66-75 92 89 151 319 92 143 178 319 29 89 151 319
---------------------------------------------------------------------------------------
Mid-Cap Value
without EGMDBR and GIA
Rider 87 75 128 273 87 129 155 273 24 75 128 273
with EGMDBR; age 0-65 88 78 133 283 88 132 160 283 25 78 133 283
with EGMDBR; age 66-75 90 84 143 303 90 138 170 303 27 84 143 303
with GIA Rider 90 84 143 303 90 138 170 303 27 84 143 303
with EGMDBR and GIA
Rider; age 0-65 91 87 148 313 91 141 175 313 28 87 148 313
with EGMDBR and GIA
Rider; age 66-75 93 93 158 332 93 147 185 332 28 87 148 313
---------------------------------------------------------------------------------------
Equity Index
without EGMDBR and GIA
Rider 81 56 95 207 81 110 122 207 18 56 95 207
with EGMDBR; age 0-65 82 59 101 217 82 113 128 217 19 59 101 217
with EGMDBR; age 66-75 84 65 111 239 84 119 138 239 21 65 111 239
with GIA Rider 84 65 111 239 84 119 138 239 21 65 111 239
with EGMDBR and GIA
Rider; age 0-65 85 68 116 249 85 122 143 249 22 68 116 249
with EGMDBR and GIA
Rider; age 66-75 87 74 126 270 87 128 153 270 24 74 126 270
---------------------------------------------------------------------------------------
</TABLE>
4
<PAGE>
<TABLE>
<CAPTION>
-----------------------------------------------------------------------------------------
Expenses if you did
not annuitize or
Expenses if you Expenses if you surrender, but left
annuitized surrendered the money in your
your Contract ($) your Contract ($) Contract ($)
-----------------------------------------------------------------------------------------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
Variable Account 1 yr 3 yr 5 yr 10 yr 1 yr 3 yr 5 yr 10 yr 1 yr 3 yr 5 yr 10 yr
-----------------------------------------------------------------------------------------
Small-Cap Value
without EGMDBR and GIA
Rider 84 65 112 240 84 119 139 240 21 65 112 240
with EGMDBR; age 0-65 85 68 117 251 85 122 144 251 22 68 117 251
with EGMDBR; age 66-75 87 74 127 271 87 128 154 271 24 74 127 271
with GIA Rider 87 74 127 271 87 128 154 271 24 74 127 271
with EGMDBR and GIA
Rider; age 0-65 88 78 132 281 88 132 159 281 25 78 132 281
with EGMDBR and GIA
Rider; age 66-75 90 84 142 301 90 138 169 301 27 84 142 301
-----------------------------------------------------------------------------------------
REIT
without EGMDBR and GIA
Rider 90 83 142 301 90 137 169 301 27 83 142 301
with EGMDBR; age 0-65 91 86 147 310 91 140 174 310 28 86 147 310
with EGMDBR; age 66-75 93 92 157 330 93 146 184 330 30 92 157 330
with GIA Rider 93 92 157 330 93 146 184 330 30 92 157 330
with EGMDBR and GIA
Rider; age 0-65 94 95 162 339 94 149 189 339 31 95 162 339
with EGMDBR and GIA
Rider; age 66-75 96 101 172 358 96 155 199 358 33 101 172 358
-----------------------------------------------------------------------------------------
International Value
without EGMDBR and GIA
Rider 88 76 129 275 88 130 156 275 25 76 129 275
with EGMDBR; age 0-65 89 79 134 285 89 133 161 285 26 79 134 285
with EGMDBR; age 66-75 91 85 144 305 91 139 171 305 28 85 144 305
with GIA Rider 91 85 144 305 91 139 171 305 28 85 144 305
with EGMDBR and GIA
Rider; age 0-65 92 88 149 315 92 142 176 315 29 88 149 315
with EGMDBR and GIA
Rider; age 66-75 94 94 159 334 94 148 186 334 31 94 159 334
-----------------------------------------------------------------------------------------
Government Securities
without EGMDBR and GIA
Rider 85 67 114 245 85 121 141 245 22 67 114 245
with EGMDBR; age 0-65 86 70 120 256 86 124 147 256 23 70 120 256
with EGMDBR; age 66-75 88 76 130 276 88 130 157 276 25 76 130 276
with GIA Rider 88 76 130 276 88 130 157 276 25 76 130 276
with EGMDBR and GIA
Rider; age 0-65 89 79 135 286 89 133 162 286 26 79 135 286
with EGMDBR and GIA
Rider; age 66-75 91 85 145 306 91 139 172 306 28 85 145 306
-----------------------------------------------------------------------------------------
Managed Bond
without EGMDBR and GIA
Rider 85 67 114 244 85 121 141 244 22 67 114 244
with EGMDBR; age 0-65 86 70 119 255 86 124 146 255 23 70 119 255
with EGMDBR; age 66-75 88 76 129 275 88 130 156 275 25 76 129 275
with GIA Rider 88 76 129 275 88 130 156 275 25 76 129 275
with EGMDBR and GIA
Rider; age 0-65 89 79 134 285 89 133 161 285 26 79 134 285
with EGMDBR and GIA
Rider; age 66-75 91 85 144 305 91 139 171 305 28 85 144 305
-----------------------------------------------------------------------------------------
Money Market
without EGMDBR and GIA
Rider 82 59 101 217 82 113 128 217 19 59 101 217
with EGMDBR; age 0-65 83 62 106 228 83 116 133 228 20 62 106 228
with EGMDBR; age 66-75 85 68 116 249 85 122 143 249 22 68 116 249
with GIA Rider 85 68 116 249 85 122 143 249 22 68 116 249
with EGMDBR and GIA
Rider; age 0-65 86 71 121 259 86 125 148 259 23 71 121 259
with EGMDBR and GIA
Rider; age 66-75 88 77 131 280 88 131 158 280 25 77 131 280
-----------------------------------------------------------------------------------------
High Yield Bond
without EGMDBR and GIA
Rider 85 67 114 244 85 121 141 244 22 67 114 244
with EGMDBR; age 0-65 86 70 119 255 86 124 146 255 23 70 119 255
with EGMDBR; age 66-75 88 76 129 275 88 130 156 275 25 76 129 275
with GIA Rider 88 76 129 275 88 130 156 275 25 76 129 275
with EGMDBR and GIA
Rider; age 0-65 89 79 134 285 89 133 161 285 26 79 134 285
with EGMDBR and GIA
Rider; age 66-75 91 85 144 305 91 139 171 305 28 85 144 305
-----------------------------------------------------------------------------------------
Large-Cap Value
without EGMDBR and GIA
Rider 87 75 129 274 87 129 156 274 24 75 129 274
with EGMDBR; age 0-65 89 78 134 284 89 132 161 284 26 78 134 284
with EGMDBR; age 66-75 91 84 144 304 91 138 171 304 28 84 144 304
with GIA Rider 91 84 144 304 91 138 171 304 28 84 144 304
with EGMDBR and GIA
Rider; age 0-65 92 87 149 314 92 141 176 314 29 87 149 314
with EGMDBR and GIA
Rider; age 66-75 94 93 159 333 94 147 186 333 31 93 159 333
-----------------------------------------------------------------------------------------
</TABLE>
5
<PAGE>
PART II
Part C: OTHER INFORMATION
Item 24. Financial Statements and Exhibits
---------------------------------
(a) Financial Statements
Part A: None
Part B:
(1) Registrant's Financial Statements
Audited Financial Statements dated as of
December 31, 1999 which are incorporated by
reference from the 1999 Annual Report include
the following for Separate Account A:
Statements of Assets and Liabilities
Statements of Operations
Statements of Changes in Net Assets
Notes to Financial Statements
(2) Depositor's Financial Statements
Audited Consolidated Financial Statements dated
as of December 31, 1999 and 1998, and for the
three year period ended December 31, 1999,
included in Part B include the following for
Pacific Life:
Independent Auditors' Report
Consolidated Statements of Financial Condition
Consolidated Statements of Operations
Consolidated Statements of Stockholder's Equity
Consolidated Statements of Cash Flows
Notes to Consolidated Financial Statements
(b) Exhibits
1. (a) Resolution of the Board of Directors of the
Depositor authorizing establishment of Separate
Account A and Memorandum establishing Separate
Account A./1/
(b) Memorandum Establishing Two New Variable
Accounts--Aggressive Equity and Emerging Markets
Portfolios./1/
(c) Resolution of the Board of Directors of Pacific
Life Insurance Company authorizing conformity to
the terms of the current Bylaws./3/
II-1
<PAGE>
2. Not applicable
3. (a) Distribution Agreement between Pacific Mutual Life
and Pacific Mutual Distributors, Inc. ("PMD")
(formerly Pacific Equities Network) /1/
(b) Form of Selling Agreement between Pacific Mutual
Life, PMD and Various Broker-Dealers /1/
4. (a) Form of Individual Flexible Premium Variable
Accumulation Annuity Contract /2/
(b) Qualified Plan Loan Endorsement /1/
(c) Individual Retirement Annuity Rider /1/
(d) Qualified Pension Plan Rider /1/
(e) 403(b) Tax-Sheltered Annuity Rider /2/
(f) Section 457 Plan Rider /1/
(g) Endorsement for 403(b) Texas Optional Retirement
Program (ORP) /1/
(h) IRA Rider (Form R-IRA 198) /3/
(i) Roth IRA Rider (Form R-RIRA 198) /3/
(j) Simple IRA Rider (Form R-SIRA 198) /3/
(k) DCA Plus Fixed Option Endorsement
(Form E-DCA 697)/3/
(l) Guaranteed Minimum Death Benefit Endorsement
(Form E-GMDB 398) /3/
(m) Enhanced Guaranteed Minimum Death Benefit Rider
(Form R-EGMDB 398) /3/
(n) Guaranteed Income Advantage Rider (Form 23-113499)
/5/
5. (a) Application Form for Individual Flexible Premium
Variable Accumulation Annuity Contract./6/
(b) Variable Annuity PAC APP /1/
(c) Application/Confirmation Form/6/
6. (a) Pacific Life's Articles of Incorporation /3/
(b) By-laws of Pacific Life /3/
7. Not applicable
8. Fund Participation Agreement/6/
9. Opinion and Consent of legal officer of Pacific Mutual
Life as to the legality of Contracts being registered.
/1/
II-2
<PAGE>
10. Independent Auditors' Consent/7/
11. Not applicable
12. Not applicable
13. Performance Calculations/7/
14. Not applicable
15. Powers of Attorney/6/
16. Not applicable
/1/ Included in Registrant's Form N-4, File No. 33-88460, Accession No.
0000898430-96-001377 filed on April 19, 1996 and incorporated by reference
herein.
/2/ Included in Registrant's Form N-4, File No. 33-88460, Accession No.
0001017062-97-000794 filed on April 30, 1997 and incorporated by reference
herein.
/3/ Included in Registrant's Form N-4, File No. 33-88460, Accession No.
0001017062-98-000945 filed on April 29, 1998 and incorporated by reference
herein.
/4/ Included in Registrant's Form N-4, File No. 33-88460, Accession No.
0001017062-99-000659 filed on April 15, 1999 and incorporated by reference.
/5/ Included in Registrant's Form 497, File No. 33-88460, Accession No.
0001017062-99-001607 filed on September 14, 1999 and incorporated by reference
herein.
/6/ Included in Registrant's Form N-4/B, File No. 33-88460, Accession No.
0001017062-00-000577 filed on February 29, 2000 and incorporated by reference
herein.
/7/ Included in Registrant's Form N-4/B, File No. 33-88460, Accession No.
0001017062-00-000955 filed on April 21, 2000 and incorporated by reference
herein.
Item 25. Directors and Officers of Pacific Life
Positions and Offices
Name and Address with Pacific Life
Thomas C. Sutton Director, Chairman of the Board, and
Chief Executive Officer
Glenn S. Schafer Director and President
Khanh T. Tran Director, Senior Vice President and
Chief Financial Officer
David R. Carmichael Director, Senior Vice President and
General Counsel
Audrey L. Milfs Director, Vice President and Corporate
Secretary
Edward R. Byrd Vice President and Controller
Brian D. Klemens Vice President and Treasurer
Gerald W. Robinson Executive Vice President
______________________________
The address for each of the persons listed above is as follows:
700 Newport Center Drive
Newport Beach, California 92660
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Item 26. Persons Controlled by or Under Common Control with Pacific Life
or Separate Account A
The following is an explanation of the organization chart of Pacific
Life's subsidiaries:
PACIFIC LIFE, SUBSIDIARIES & AFFILIATED ENTERPRISES
LEGAL STRUCTURE
Pacific Life is a California Stock Insurance Company wholly-owned by
Pacific LifeCorp (a Delaware Stock Holding Company) which is, in turn,
99% owned by Pacific Mutual Holding Company (a California Mutual
Holding Company). Pacific Life is the parent company of Pacific Asset
Management LLC (a Delaware Limited Liability Company), Pacific Life &
Annuity Company, formerly known as PM Group Life Insurance Company (an
Arizona Corporation), Pacific Select Distributors, Inc. (formerly
known as Pacific Mutual Distributors, Inc.), and World-Wide Holdings
Limited (a United Kingdom Corporation). Pacific Life also has a 40%
ownership of American Maturity Life Insurance Company (a Connecticut
Corporation), a 50% ownership of Pacific Mezzanine Associates, L.L.C.
(a Delaware Limited Liability Company and a 95% ownership of Grayhawk
Golf Holdings, LLC). A subsidiary of Pacific Mezzanine Associates,
L.L.C. is Pacific Mezzanine Investors, L.L.C., (a Delaware Limited
Liability Company) who is the sole general partner of the PMI
Mezzanine Fund, L.P. (a Delaware Limited Partnership). Subsidiaries of
Pacific Asset Management LLC are PMRealty Advisors Inc., Pacific
Financial Products Inc. (a Delaware Corporation), PPA LLC (a Delaware
Limited Liability Company), CCM LLC (a Delaware Limited Liability
Company), NFJ LLC (a Delaware Limited Liability Company), and PIMCO
Holding LLC (a Delaware Limited Liability Company). Pacific Asset
Management LLC has a 32% beneficial economic interest in PIMCO
Advisors L.P. (a Delaware Limited Partnership). Subsidiaries of
Pacific Select Distributors, Inc. include: Associated Financial Group,
Inc.; Mutual Service Corporation (a Michigan Corporation), along with
its subsidiaries Advisors' Mutual Service Center, Inc. (a Michigan
Corporation) and Titan Value Equities Group, Inc.; and United
Planners' Group, Inc. (an Arizona Corporation), along with its
subsidiary United Planners' Financial Services of America (an Arizona
Limited Partnership). Subsidiaries of World-Wide Holdings Limited
include: World-Wide Reassurance Company Limited (a United Kingdom
Corporation) and World-Wide Reassurance Company (BVI) Limited (a
British Virgin Islands Corporation). All corporations are 100% owned
unless otherwise indicated. All entities are California corporations
unless otherwise indicated.
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<PAGE>
Item 27. Number of Contractholders
Approximately 26,501 Qualified
28,860 Non Qualified
Item 28. Indemnification
(a) The Distribution Agreement between Pacific Life and Pacific Select
Distributors, Inc. ("PSD", formerly known as Pacific Mutual
Distributors, Inc.) provides substantially as follows:
Pacific Life hereby agrees to indemnify and hold harmless PSD and its
officers and directors, and employees for any expenses (including legal
expenses), losses, claims, damages, or liabilities incurred by reason
of any untrue or alleged untrue statement or representation of a
material fact or any omission or alleged omission to state a material
fact required to be stated to make other statements not misleading, if
made in reliance on any prospectus, registration statement, post-
effective amendment thereof, or sales materials supplied or approved by
Pacific Life or the Separate Account. Pacific Life shall reimburse each
such person for any legal or other expenses reasonably incurred in
connection with investigating or defending any such loss, liability,
damage, or claim. However, in no case shall Pacific Life be required to
indemnify for any expenses, losses, claims, damages, or liabilities
which have resulted from the willful misfeasance, bad faith,
negligence, misconduct, or wrongful act of PSD.
PSD hereby agrees to indemnify and hold harmless Pacific Life, its
officers, directors, and employees, and the Separate Account for any
expenses, losses, claims, damages, or liabilities arising out of or
based upon any of the following in connection with the offer or sale of
the contracts: (1) except for such statements made in reliance on any
prospectus, registration statement or sales material supplied or
approved by Pacific Life or the Separate Account, any untrue or alleged
untrue statement or representation is made; (2) any failure to deliver
a currently effective prospectus; (3) the use of any unauthorized sales
literature by any officer, employee or agent of PSD or Broker; (4) any
willful misfeasance, bad faith, negligence, misconduct or wrongful act.
PSD shall reimburse each such person for any legal or other expenses
reasonably incurred in connection with investigating or defending any
such loss, liability, damage, or claim.
(b) The Form of Selling Agreement between Pacific Life, Pacific Select
Distributors, Inc. ("PSD" formerly known asPacific Mutual Distributors,
Inc.) and Various Broker-Dealers provides substantially as follows:
Pacific Life and PSD agree to indemnify and hold harmless Selling
Broker-Dealer and General Agent, their officers, directors, agents and
employees, against any and all losses, claims, damages or liabilities
to which they may become subject under the 1933 Act, the 1934 Act, or
other federal or state statutory law or regulation, at common law or
otherwise, insofar as such losses, claims, damages or liabilities (or
actions in respect thereof) arise
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<PAGE>
out of or are based upon any untrue statement or alleged untrue
statement of a material fact or any omission or alleged omission to
state a material fact required to be stated or necessary to make the
statements made not misleading in the registration statement for the
Contracts or for the shares of Pacific Select Fund (the "Fund") filed
pursuant to the 1933 Act, or any prospectus included as a part thereof,
as from time to time amended and supplemented, or in any advertisement
or sales literature approved in writing by Pacific Life and PSD
pursuant to Section IV.E. Of this Agreement.
Selling Broker-Dealer and General Agent agree to indemnify and hold
harmless Pacific Life, the Fund and PSD, their officers, directors,
agents and employees, against any and all losses, claims, damages or
liabilities to which they may become subject under the 1933 Act, the
1934 Act or other federal or state statutory law or regulation, at
common law or otherwise, insofar as such losses, claims, damages or
liabilities (or actions in respect thereof) arise out of or are based
upon: (a) any oral or written misrepresentation by Selling Broker-
Dealer or General Agent or their officers, directors, employees or
agents unless such misrepresentation is contained in the registration
statement for the Contracts or Fund shares, any prospectus included as
a part thereof, as from time to time amended and supplemented, or any
advertisement or sales literature approved in writing by Pacific Life
and PSD pursuant to Section IV.E. of this Agreement, (b) the failure of
Selling Broker-Dealer or General Agent or their officers, directors,
employees or agents to comply with any applicable provisions of this
Agreement or (c) claims by Sub-agents or employees of General Agent or
Selling Broker-Dealer for payments of compensation or remuneration of
any type. Selling Broker-Dealer and General Agent will reimburse
Pacific Life or PSD or any director, officer, agent or employee of
either entity for any legal or other expenses reasonably incurred by
Pacific Life, PSD, or such officer, director, agent or employee in
connection with investigating or defending any such loss, claims,
damages, liability or action. This indemnity agreement will be in
addition to any liability which Broker-Dealer may otherwise have.
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<PAGE>
Item 29. Principal Underwriters
(a) PSD also acts as principal underwriter for Pacific Select
Separate Account, Pacific Select Exec Separate Account, Pacific
Select Variable Annuity Separate Account, Pacific Corinthian
Variable Separate Account, Separate Account B and Pacific
Select Fund.
(b) For information regarding PSD, reference is made to Form B-D, SEC
File No. 8-15264, which is herein incorporated by reference.
(c) PSD retains no compensation or net discounts or commissions from
the Registrant.
Item 30. Location of Accounts and Records
The accounts, books and other documents required to be maintained
by Registrant pursuant to Section 31(a) of the Investment Company
Act of 1940 and the rules under that section will be maintained
by Pacific Life at 700 Newport Center Drive, Newport Beach,
California 92660.
Item 31. Management Services
Not applicable
Item 32. Undertakings
The registrant hereby undertakes:
(a) to file a post-effective amendment to this registration statement
as frequently as is necessary to ensure that the audited
financial statements in this registration statement are never
more than 16 months old for so long as payments under the
variable annuity contracts may be accepted, unless otherwise
permitted.
(b) to include either (1) as a part of any application to purchase a
contract offered by the prospectus, a space that an applicant can
check to request a Statement of Additional Information, or (2) a
post card or similar written communication affixed to or included
in the prospectus that the applicant can remove to send for a
Statement of Additional Information, or (3) to deliver a
Statement of Additional Information with the Prospectus.
(c) to deliver any Statement of Additional Information and any
financial statements required to be made available under this
Form promptly upon written or oral request.
Additional Representations
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<PAGE>
(a) The Registrant and its Depositor are relying upon American Council of
Life Insurance, SEC No-Action Letter, SEC Ref. No. 1P-6-88 (November 28, 1988)
with respect to annuity contracts offered as funding vehicles for retirement
plans meeting the requirements of Section 403(b) of the Internal Revenue Code,
and the provisions of paragraphs (1)-(4) of this letter have been complied with.
(b) The Registrant and its Depositor are relying upon Rule 6c-7 of the
Investment Company Act of 1940 with respect to annuity contracts offered as
funding vehicles to participants in the Texas Optional Retirement Program, and
the provisions of Paragraphs (a)-(d) of the Rule have been complied with.
(c) REPRESENTATION PURSUANT TO SECTION 26(e) OF THE INVESTMENT COMPANY
ACT OF 1940: Pacific Life Insurance Company and Registrant represent
that the fees and charges to be deducted under the Variable Annuity Contract
("Contract") described in the prospectus contained in this registration
statement are, in the aggregate, reasonable in relation to the services
rendered, the expenses expected to be incurred, and the risks assumed in
connection with the Contract.
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<PAGE>
SIGNATURES
Pursuant to the requirements of the Securities Act of 1933 and the Investment
Company Act of 1940, the Registrant certifies that it meets the requirements of
Securities Act Rule 485 (b) for effectiveness of this Registration Statement and
has caused this Post-Effective Amendment No. 9 to the Registration Statement on
Form N-4 to be signed on its behalf by the undersigned thereunto duly authorized
in the City of Newport Beach, and the State of California on this 24th day of
August, 2000.
SEPARATE ACCOUNT A
(Registrant)
By: PACIFIC LIFE INSURANCE COMPANY
By: ____________________________________
Thomas C. Sutton*
Chairman and Chief Executive Officer
By: PACIFIC LIFE INSURANCE COMPANY
(Depositor)
By: ____________________________________
Thomas C. Sutton*
Chairman and Chief Executive Officer
Pursuant to the requirements of the Securities Act of 1933, this Post-Effective
Amendment No. 9 to the Registration Statement has been signed by the following
persons in the capacities and on the dates indicated:
Signature Title Date
_________________________ Director, Chairman of the Board August 24, 2000
Thomas C. Sutton* and Chief Executive Officer
_________________________ Director and President August 24, 2000
Glenn S. Schafer*
_________________________ Director, Senior Vice President August 24, 2000
Khanh T. Tran* and Chief Financial Officer
_________________________ Director, Senior Vice President August 24, 2000
David R. Carmichael* and General Counsel
_________________________ Director, Vice President and August 24, 2000
Audrey L. Milfs* Corporate Secretary
_________________________ Vice President and Controller August 24, 2000
Edward R. Byrd*
_________________________ Vice President and Treasurer August 24, 2000
Brian D. Klemens*
_________________________ Executive Vice President August 24, 2000
Gerald W. Robinson*
*By: /s/ David R. Carmichael August 24, 2000
__________________________
David R. Carmichael
as attorney-in-fact
(Powers of Attorney are contained in Post-Effective Amendment No. 6, to the
Registration Statement filed on February 29, 2000 on Form N-4 for Separate
Account A, File No. 33-88460, Accession No. 0001017062-00-000577, as
Exhibit 15.)
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