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<PAGE> Supplement dated July 18, 2000 to Prospectus Dated May 1, 2000 for Pacific Innovations Variable Annuity Issued by Pacific Life Insurance Company ("Prospectus") APPENDIX A: STATE LAW VARIATIONS to the Prospectus is amended by adding the following: For Contracts delivered to residents of Massachusetts: You may make additional Purchase Payments only during your first Contract Year. Form No. PISUPPMA0700
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