<PAGE>
As filed with the Securities and Exchange Commission on December 7, 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. 10 [X]
and/or
REGISTRATION STATEMENT UNDER THE INVESTMENT COMPANY ACT OF 1940 [_]
Amendment No. 32 [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 January 2, 2001 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 Registrant's Form 497, File No. 33-88460, Accession No.
0001017062-00-002105, filed on October 2, 2000, and incorporated by reference
herein.)
<PAGE>
Supplement Dated January 2, 2001 to Prospectus Dated May 1, 2000
for Pacific Portfolios, a variable annuity contract
issued by Pacific Life Insurance Company
This supplement changes the Prospectus to reflect the
following, and restates information contained in a
supplement dated October 2, 2000:
---------------------------------------------------------
Eleven new Variable The following new Variable Investment Options are added
Investment Options to the list on page 1 of the Prospectus.
are available
.Blue Chip .Strategic Value
.Aggressive Growth .Focused 30
.Financial Services .Capital Opportunities
.Health Sciences .Mid-Cap Growth
.Technology .Global Growth
.Telecommunications
---------------------------------------------------------
The Bond and Income The Bond and Income Variable Account terminated on
Investment Option September 22, 2000.
is no longer
available
All references to the Bond and Income Investment
Option, Portfolio, Subaccount or Variable Account in
the Prospectus are removed.
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.
---------------------------------------------------------
The new eleven The new eleven Variable Accounts invest in their
Variable Accounts corresponding Portfolios of the Fund. References to the
are added as 22 Variable Investment Options throughout the
Variable Investment Prospectus are changed to refer to 31 Variable
Options Investment Options or Subaccounts.
---------------------------------------------------------
The International Lazard Asset Management is the portfolio manager of the
Value Portfolio has International Value Portfolio.
a new portfolio
manager
---------------------------------------------------------
A portfolio manager Mercury Asset Management US has changed its name to
has changed its Mercury Advisors.
name
<PAGE>
---------------------------------------------------------
AN OVERVIEW OF The following replaces the Other Expenses section on
PACIFIC PORTFOLIOS- page 7 of the Prospectus:
Fees and Expenses
paid by the Pacific Other expenses
Select Fund: Other
Expenses is The table also shows the advisory fee and Fund expenses
replaced as an annual percentage of each Portfolio's average
daily net assets for the year 2000, adjusted to reflect
reduced custody fees. To help limit Fund expenses,
effective July 1, 2000 we 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 and,
except for Portfolios that started on or after October
2, 2000, that do not exceed the previously established
0.25% expense cap. Any amounts repaid to us will have
the effect of increasing such 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 2000, Pacific Life
reimbursed approximately $19,662 to the I-Net
Tollkeeper Portfolio, $12,631 to the Strategic Value
Portfolio, $4,849 to the Focused 30 Portfolio and
$15,042 to the Small-Cap Index Portfolio.
<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>
Blue Chip/1/ 0.95 0.06 1.01 -- 1.01
Aggressive Growth/1/ 1.00 0.06 1.06 -- 1.06
Aggressive Equity 0.80 0.04 0.84 -- 0.84
Emerging Markets/2/ 1.10 0.20 1.30 -- 1.30
Diversified Research 0.90 0.09 0.99 -- 0.99
Small-Cap Equity/2/ 0.65 0.05 0.70 -- 0.70
International
Large-Cap/2/ 1.05 0.14 1.19 -- 1.19
Equity 0.65 0.04 0.69 -- 0.69
I-Net Tollkeeper/2/ 1.50 0.13 1.63 (0.02) 1.61
Financial Services/1/ 1.10 0.15 1.25 (0.05) 1.20
Health Sciences/1/ 1.10 0.11 1.21 (0.01) 1.20
Technology/1/ 1.10 0.08 1.18 -- 1.18
Telecommunications/1/ 1.10 0.08 1.18 -- 1.18
Multi-Strategy 0.65 0.04 0.69 -- 0.69
Equity Income 0.65 0.04 0.69 -- 0.69
Strategic Value 0.95 0.54 1.49 (0.44) 1.05
Growth LT 0.75 0.04 0.79 -- 0.79
Focused 30 0.95 0.44 1.39 (0.34) 1.05
Mid-Cap Value 0.85 0.04 0.89 -- 0.89
International Value 0.85 0.11 0.96 -- 0.96
Capital
Opportunities/1/ 0.80 0.06 0.86 -- 0.86
Mid-Cap Growth/1/ 0.90 0.06 0.96 -- 0.96
Global Growth/1/ 1.10 0.19 1.29 -- 1.29
Equity Index/2/ 0.25 0.04 0.29 -- 0.29
Small-Cap Index/2/ 0.50 0.13 0.63 (0.02) 0.61
REIT 1.10 0.05 1.15 -- 1.15
Government
Securities/2/ 0.60 0.05 0.65 -- 0.65
Managed Bond/2/ 0.60 0.05 0.65 -- 0.65
Money Market/2/ 0.34 0.04 0.38 -- 0.38
High Yield Bond/2/ 0.60 0.04 0.64 -- 0.64
Large-Cap Value 0.85 0.05 0.90 -- 0.90
--------------------------------------------------------------------------
</TABLE>
/1/ Expenses are estimated. There were no actual
advisory fees or expenses for these Portfolios in
2000 because the Portfolios started after December
31, 2000.
/2/ Total adjusted net expenses for these Portfolios,
after deduction of an offset for custodian credits
were: 1.29% for Emerging Markets Portfolio, 0.69%
for Small-Cap Equity Portfolio, 1.18% for
International Large-Cap Portfolio, 1.60% for I-Net
Tollkeeper Portfolio, 0.28% for Equity Index
Portfolio, 0.60% for Small-Cap Index Portfolio,
0.62% for Government Securities Portfolio, 0.64%
for Managed Bond Portfolio, 0.37% for Money Market
Portfolio, and 0.63% for High Yield Bond Portfolio.
+ 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 $850,000 for the
year 2000, which it might otherwise incur for
distribution. If such defrayed amount were
considered a Fund expense, it would represent
approximately .0067% or less of any Portfolio's
average daily net assets.
2
<PAGE>
---------------------------------------------------------
AN OVERVIEW OF The Examples on page 8 of the Prospectus is replaced
PACIFIC PORTFOLIOS- with the following:
Examples is
replaced 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
--------------------------------------------------------------------------------------
Blue Chip
without EGMDBR and GIA
rider 88 78 133 282 88 132 160 282 25 78 133 282
with EGMDBR; age 0-65 89 81 138 292 89 135 165 292 26 81 138 292
with EGMDBR; age 66-75 91 87 148 312 91 141 175 312 28 87 148 312
with GIA Rider 91 87 148 312 91 141 175 312 28 87 148 312
with EGMDBR and GIA
Rider; age 0-65 92 90 153 321 92 144 180 321 29 90 153 321
with EGMDBR and GIA
Rider; age 66-75 94 96 163 341 94 150 190 341 31 96 163 341
--------------------------------------------------------------------------------------
Aggressive Growth
without EGMDBR and GIA
rider 89 79 135 287 89 133 162 287 26 79 135 287
with EGMDBR; age 0-65 90 82 140 297 90 136 167 297 27 82 140 297
with EGMDBR; age 66-75 92 88 150 316 92 142 177 316 29 88 150 316
with GIA Rider 92 88 150 316 92 142 177 316 29 88 150 316
with EGMDBR and GIA
Rider; age 0-65 93 91 155 326 93 145 182 326 30 91 155 326
with EGMDBR and GIA
Rider; age 66-75 95 97 165 345 95 151 192 345 32 97 165 345
--------------------------------------------------------------------------------------
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 86 147 309 91 140 174 309 28 86 147 309
with EGMDBR; age 0-65 92 89 152 319 92 143 179 319 29 89 152 319
with EGMDBR; age 66-75 94 95 161 338 94 149 188 338 31 95 161 338
with GIA Rider 94 95 161 338 94 149 188 338 31 95 161 338
with EGMDBR and GIA
Rider; age 0-65 95 98 166 348 95 152 193 348 32 98 166 348
with EGMDBR and GIA
Rider; age 66-75 97 104 176 366 97 158 203 366 34 104 176 366
--------------------------------------------------------------------------------------
</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
--------------------------------------------------------------------------------------
Diversified Research
without EGMDBR and GIA
rider 88 77 132 280 88 131 159 280 25 77 132 280
with EGMDBR; age 0-65 89 80 137 290 89 134 164 290 26 80 137 290
with EGMDBR; age 66-75 91 86 147 310 91 140 174 310 28 86 147 310
with GIA Rider 91 86 147 310 91 140 174 310 28 86 147 310
with EGMDBR and GIA
Rider; age 0-65 92 89 152 319 92 143 179 319 29 89 152 319
with EGMDBR and GIA
Rider; age 66-75 94 95 162 339 94 149 189 339 31 95 162 339
--------------------------------------------------------------------------------------
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
--------------------------------------------------------------------------------------
International Large Cap
without EGMDBR and GIA
rider 90 83 141 299 90 137 168 299 27 83 141 299
with EGMDBR; age 0-65 91 86 146 309 91 140 173 309 28 86 146 309
with EGMDBR; age 66-75 93 92 156 328 93 146 183 328 30 92 156 328
with GIA Rider 93 92 156 328 93 146 183 328 30 92 156 328
with EGMDBR and GIA
Rider; age 0-65 94 95 161 337 94 149 188 337 31 95 161 337
with EGMDBR and GIA
Rider; age 66-75 96 101 171 356 96 155 198 356 33 101 171 356
--------------------------------------------------------------------------------------
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
--------------------------------------------------------------------------------------
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 97 158 203 367 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
--------------------------------------------------------------------------------------
Financial Services
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
--------------------------------------------------------------------------------------
Health Sciences
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
--------------------------------------------------------------------------------------
Technology
without EGMDBR and GIA
rider 90 83 141 299 90 137 168 299 27 83 141 299
with EGMDBR; age 0-65 91 86 146 309 91 140 173 309 28 86 146 309
with EGMDBR; age 66-75 93 92 156 328 93 146 183 328 30 92 156 328
with GIA Rider 93 92 156 328 93 146 183 328 30 92 156 328
with EGMDBR and GIA
Rider; age 0-65 94 95 161 337 94 149 188 337 31 95 161 337
with EGMDBR and GIA
Rider; age 66-75 96 101 171 356 96 155 198 356 33 101 171 356
--------------------------------------------------------------------------------------
Telecommunications
without EGMDBR and GIA
rider 90 83 141 299 90 137 168 299 27 83 141 299
with EGMDBR; age 0-65 91 86 146 309 91 140 173 309 28 86 146 309
with EGMDBR; age 66-75 93 92 156 328 93 146 183 328 30 92 156 328
with GIA Rider 93 92 156 328 93 146 183 328 30 92 156 328
with EGMDBR and GIA
Rider; age 0-65 94 95 161 337 94 149 188 337 31 95 161 337
with EGMDBR and GIA
Rider; age 66-75 96 101 171 356 96 155 198 356 33 101 171 356
--------------------------------------------------------------------------------------
</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
--------------------------------------------------------------------------------------
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
--------------------------------------------------------------------------------------
Strategic Value
without EGMDBR and GIA
rider 89 79 135 286 89 133 162 286 26 79 135 286
with EGMDBR; age 0-65 90 82 140 296 90 136 167 296 27 82 140 296
with EGMDBR; age 66-75 92 88 150 316 92 142 177 316 29 88 150 316
with GIA Rider 92 88 150 316 92 142 177 316 29 88 150 316
with EGMDBR and GIA
Rider; age 0-65 93 91 155 325 93 145 182 325 30 91 155 325
with EGMDBR and GIA
Rider; age 66-75 95 97 165 344 95 151 192 344 32 97 165 344
--------------------------------------------------------------------------------------
Growth LT
without EGMDBR and GIA
rider 86 71 122 260 86 125 149 260 23 71 122 260
with EGMDBR; age 0-65 87 74 127 270 87 128 154 270 24 74 127 270
with EGMDBR; age 66-75 89 80 137 290 89 134 164 290 26 80 137 290
with GIA Rider 89 80 137 290 89 134 164 290 26 80 137 290
with EGMDBR and GIA
Rider; age 0-65 90 83 142 300 90 137 169 300 27 83 142 300
with EGMDBR and GIA
Rider; age 66-75 92 89 152 320 92 143 179 320 29 89 152 320
--------------------------------------------------------------------------------------
Focused 30
without EGMDBR and GIA
rider 89 79 135 286 89 133 162 286 26 79 135 286
with EGMDBR; age 0-65 90 82 140 296 90 136 167 296 27 82 140 296
with EGMDBR; age 66-75 92 88 150 316 92 142 177 316 29 88 150 316
with GIA Rider 92 88 150 316 92 142 177 316 29 88 150 316
with EGMDBR and GIA
Rider; age 0-65 93 91 155 325 93 145 182 325 30 91 155 325
with EGMDBR and GIA
Rider; age 66-75 95 97 165 344 95 151 192 344 32 97 165 344
--------------------------------------------------------------------------------------
Mid-Cap Value
without EGMDBR and GIA
rider 87 74 127 270 87 128 154 270 24 74 127 270
with EGMDBR; age 0-65 88 77 132 280 88 131 159 280 25 77 132 280
with EGMDBR; age 66-75 90 83 142 300 90 137 169 300 27 83 142 300
with GIA Rider 90 83 142 300 90 137 169 300 27 83 142 300
with EGMDBR and GIA
Rider; age 0-65 91 86 147 310 91 140 174 310 28 86 147 310
with EGMDBR and GIA
Rider; age 66-75 93 92 157 329 93 146 184 329 30 92 157 329
--------------------------------------------------------------------------------------
International Value
without EGMDBR and GIA
rider 88 76 130 277 88 130 157 277 25 76 130 277
with EGMDBR; age 0-65 89 79 135 287 89 133 162 287 26 79 135 287
with EGMDBR; age 66-75 91 85 145 307 91 139 172 307 28 85 145 307
with GIA Rider 91 85 145 307 91 139 172 307 28 85 145 307
with EGMDBR and GIA
Rider; age 0-65 92 88 150 317 92 142 177 317 29 88 150 317
with EGMDBR and GIA
Rider; age 66-75 94 94 160 336 94 148 187 336 31 94 160 336
--------------------------------------------------------------------------------------
Capital Opportunities
without EGMDBR and GIA
rider 87 73 125 267 87 127 152 267 24 73 125 267
with EGMDBR; age 0-65 88 76 130 277 88 130 157 277 25 76 130 277
with EGMDBR; age 66-75 90 82 140 297 90 136 167 297 27 82 140 297
with GIA Rider 90 82 140 297 90 136 167 297 27 82 140 297
with EGMDBR and GIA
Rider; age 0-65 91 85 145 307 91 139 172 307 28 85 145 307
with EGMDBR and GIA
Rider; age 66-75 93 91 155 326 93 145 182 326 30 91 155 326
--------------------------------------------------------------------------------------
Mid-Cap Growth
without EGMDBR and GIA
rider 88 76 130 277 88 130 157 277 25 76 130 277
with EGMDBR; age 0-65 89 79 135 287 89 133 162 287 26 79 135 287
with EGMDBR; age 66-75 91 85 145 307 91 139 172 307 28 85 145 307
with GIA Rider 91 85 145 307 91 139 172 307 28 85 145 307
with EGMDBR and GIA
Rider; age 0-65 92 88 150 317 92 142 177 317 29 88 150 317
with EGMDBR and GIA
Rider; age 66-75 94 94 160 336 94 148 187 336 31 94 160 336
---------------------------------------------------------------------------------------
</TABLE>
5
<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
--------------------------------------------------------------------------------------
Global Growth
without EGMDBR and GIA
rider 91 86 147 309 91 140 174 309 28 86 147 309
with EGMDBR; age 0-65 92 89 152 319 92 143 179 319 29 89 152 319
with EGMDBR; age 66-75 94 95 161 338 94 149 188 338 31 95 161 338
with GIA Rider 94 95 161 338 94 149 188 338 31 95 161 338
with EGMDBR and GIA
Rider; age 0-65 95 98 166 348 95 152 193 348 32 98 166 348
with EGMDBR and GIA
Rider; age 66-75 97 104 176 366 97 158 203 366 34 104 176 366
--------------------------------------------------------------------------------------
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
--------------------------------------------------------------------------------------
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 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
--------------------------------------------------------------------------------------
Government Securities
without EGMDBR and GIA
rider 84 66 113 242 84 120 140 242 21 66 113 242
with EGMDBR; age 0-65 85 69 118 253 85 123 145 253 22 69 118 253
with EGMDBR; age 66-75 87 75 128 273 87 129 155 273 24 75 128 273
with GIA Rider 87 75 128 273 87 129 155 273 24 75 128 273
with EGMDBR and GIA
Rider; age 0-65 88 78 133 283 88 132 160 283 25 78 133 283
with EGMDBR and GIA
Rider; age 66-75 90 84 143 303 90 138 170 303 27 84 143 303
--------------------------------------------------------------------------------------
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 58 100 216 82 112 127 216 19 58 100 216
with EGMDBR; age 0-65 83 61 105 227 83 115 132 227 20 61 105 227
with EGMDBR; age 66-75 85 68 116 248 85 122 143 248 22 68 116 248
with GIA Rider 85 68 116 248 85 122 143 248 22 68 116 248
with EGMDBR and GIA
Rider; age 0-65 86 71 121 258 86 125 148 258 23 71 121 258
with EGMDBR and GIA
Rider; age 66-75 88 77 131 279 88 131 158 279 25 77 131 279
--------------------------------------------------------------------------------------
High Yield Bond
without EGMDBR and GIA
rider 84 66 113 243 84 120 140 243 21 66 113 243
with EGMDBR; age 0-65 85 69 119 254 85 123 146 254 22 69 119 254
with EGMDBR; age 66-75 88 75 129 274 88 129 156 274 25 75 129 274
with GIA Rider 88 75 129 274 88 129 156 274 25 75 129 274
with EGMDBR and GIA
Rider; age 0-65 89 78 134 284 89 132 161 284 26 78 134 284
with EGMDBR and GIA
Rider; age 66-75 91 85 144 304 91 139 171 304 28 85 144 304
--------------------------------------------------------------------------------------
Large-Cap Value
without EGMDBR and GIA
rider 87 74 127 271 87 128 154 271 24 74 127 271
with EGMDBR; age 0-65 88 77 132 281 88 131 159 281 25 77 132 281
with EGMDBR; age 66-75 90 83 142 301 90 137 169 301 27 83 142 301
with GIA Rider 90 83 142 301 90 137 169 301 27 83 142 301
with EGMDBR and GIA
Rider; age 0-65 91 87 147 311 91 141 174 311 28 87 147 311
with EGMDBR and GIA
Rider; age 66-75 93 93 157 330 93 147 184 330 30 93 157 330
--------------------------------------------------------------------------------------
</TABLE>
6
<PAGE>
---------------------------------------------------------
YOUR INVESTMENT The chart on page 11 of the Prospectus YOUR INVESTMENT
OPTIONS: OPTIONS: Your Variable Investment Options is amended to
Your Variable add the following:
Investment Options
is amended
<TABLE>
<CAPTION>
Primary Investments Portfolio
Portfolio Objective (under normal circumstances) Manager
------------------------------------------------------------------------------------------------
<S> <C> <C> <C>
Blue Chip Long-term growth of Equity securities of "blue chip" A I M
capital. Current companies--typically large companies
income is of that are well established in their
secondary importance. respective industries.
------------------------------------------------------------------------------------------------
Aggressive Growth Long-term growth of Equity securities of small- and A I M
capital. medium-sized growth companies.
------------------------------------------------------------------------------------------------
Financial Services Long-term growth of Equity securities in the financial INVESCO
capital. services sector. Such companies
include banks, insurance companies,
brokerage firms and other finance-
related firms.
------------------------------------------------------------------------------------------------
Health Sciences Long-term growth of Equity securities in the health INVESCO
capital. sciences sector. Such as companies
that develop, produce or distribute
products or services related to
health care.
------------------------------------------------------------------------------------------------
Technology Long-term growth of Equity securities in the technology INVESCO
capital. sector. Such companies include
biotechnology, communications,
computers, electronics, Internet
telecommunications, networking,
robotics and video.
------------------------------------------------------------------------------------------------
Telecommunications High total return. Equity securities in the INVESCO
telecommunications sector. Such as
companies that offer telephone
service, wireless communications,
satellite communications, television
and movie programming, broadcasting
and Internet access.
------------------------------------------------------------------------------------------------
Strategic Value Long-term growth of Equity securities with the potential Janus Capital
capital. for long-term growth of capital. Corporation
------------------------------------------------------------------------------------------------
Focused 30 Long-term growth of Equity securities selected for their Janus Capital
capital. growth potential. Corporation
------------------------------------------------------------------------------------------------
Capital Long-term growth of Equity securities with the potential MFS
Opportunities capital. for long-term growth of capital.
------------------------------------------------------------------------------------------------
Mid-Cap Growth Long-term growth of Equity securities of medium-sized MFS
capital. companies believed to have above-
average growth potential.
------------------------------------------------------------------------------------------------
Global Growth Capital appreciation. Equity securities of any size MFS
located within and outside of the
U.S.
------------------------------------------------------------------------------------------------
</TABLE>
7
<PAGE>
---------------------------------------------------------
ADDITIONAL The following replaces Telephone Transactions on page 44
INFORMATION: of the Prospectus:
Telephone
Transactions Telephone and Electronic Transactions
is changed to You are automatically entitled to make certain
Telephone and transactions by telephone or, to the extent available
Electronic in early 2001, electronically. You may also authorize
Transactions other people to make certain transaction requests by
telephone or to the extent available electronically by
so indicating on the application or by sending us
instructions in writing in a form acceptable to us. We
cannot guarantee that you or any other person you
authorize will always be able to reach us to complete a
telephone or electronic transaction; for example, all
telephone lines or our web-site may be busy during
certain periods, such as periods of substantial market
fluctuations or other drastic economic or market
change, or telephones or the internet may be out of
service during severe weather conditions or other
emergencies. Under these circumstances, you should
submit your request in writing (or other form
acceptable to us). Transaction instructions we receive
by telephone or electronically before 4:00 p.m. Eastern
time on any Business Day will usually be effective on
that day, and we will provide you confirmation of each
telephone or electronic transaction.
We have established procedures reasonably designed to
confirm that instructions communicated by telephone or
electronically are genuine. These procedures may
require any person requesting a telephone or electronic
transaction to provide certain personal identification
upon our request. We may also record all or part of any
telephone conversation with respect to transaction
instructions. We reserve the right to deny any
transaction request made by telephone or
electronically. You are authorizing us to accept and to
act upon instructions received by telephone or
electronically with respect to your Contract, and you
agree that, so long as we comply with our procedures,
neither we, any of our affiliates, nor the Fund, or any
of their directors, trustees, officers, employees or
agents will be liable for any loss, liability, cost or
expense (including attorneys' fees) in connection with
requests that we believe to be genuine. This policy
means that so long as we comply with our procedures,
you will bear the risk of loss arising out of the
telephone and electronic transaction privileges of your
Contract. If a Contract has Joint Owners, each Owner
We expect to make may individually make transaction requests by
the electronic telephone.
transaction and
delivery features Electronic Delivery Authorization
available in early Subject to availability, you may authorize us to provide
2001. Please ask prospectuses, statements and other information
your registered ("documents") electronically by so indicating on the
representative for application, or by sending us instructions in writing
more information in a form acceptable to us to receive such documents
electronically. You must have Internet access to use
this service. While we impose no additional charge for
this service, there may be potential costs associated
with electronic delivery, such as on-line charges.
Documents will be available on our Internet Web site.
You may access and print all documents provided through
this service. As documents become available, we will
notify you of this by sending you an e-mail message
that will include instructions on how to retrieve the
document. If our e-mail notification is returned to us
as "undeliverable," we will contact you to obtain your
updated e-mail address. If we are unable to obtain a
valid e-mail address for you, we will send a paper copy
by regular U.S. mail to your address of record. You may
revoke your consent for electronic delivery at any time
and we will resume providing you with a paper copy of
all required documents; however, in order for us to be
properly notified, your revocation must be given to us
a reasonable time before electronic delivery has
commenced. We will provide you with paper copies at any
time upon request. Such request will not constitute
revocation of your consent to receive required
documents electronically.
8
<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) Qualified Pension Plan Rider /1/
(d) 403(b) Tax-Sheltered Annuity Rider /2/
(e) Section 457 Plan Rider /1/
(f) Endorsement for 403(b) Texas Optional Retirement
Program (ORP) /1/
(g) Individual Retirement Annuity Rider (Form
20-13900)
(h) Roth Individual Retirement Annuity Rider
(Form R-RIRA 198) /3/
(i) Simple Individual Retirement Annuity Rider
(Form 20-13400)
(j) DCA Plus Fixed Option Endorsement
(Form E-DCA 697)/3/
(k) Guaranteed Minimum Death Benefit Endorsement
(Form E-GMDB 398) /3/
(l) Enhanced Guaranteed Minimum Death Benefit Rider
(Form R-EGMDB 398) /3/
(m) Guaranteed Income Advantage Rider (Form 23-113499)
/5/
5. (a) Variable Annuity Application. (Form No. 25-12410)
(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
II-3
<PAGE>
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 Life 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 Stock Life Insurance Company), 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 Stock Life Insurance Company), 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. and Pacific Financial
Products Inc. (a Delaware Corporation). Pacific Asset Management LLC
has an approximate 30% 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.
II-4
<PAGE>
Item 27. Number of Contractholders
Approximately 28,838 Qualified
31,648 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 as Pacific 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
II-5
<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.
II-6
<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
II-7
<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.
II-8
<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. 10 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 7th day of
December, 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. 10 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 December 7, 2000
Thomas C. Sutton* and Chief Executive Officer
_________________________ Director and President December 7, 2000
Glenn S. Schafer*
_________________________ Director, Senior Vice President December 7, 2000
Khanh T. Tran* and Chief Financial Officer
_________________________ Director, Senior Vice President December 7, 2000
David R. Carmichael* and General Counsel
_________________________ Director, Vice President and December 7, 2000
Audrey L. Milfs* Corporate Secretary
_________________________ Vice President and Controller December 7, 2000
Edward R. Byrd*
_________________________ Vice President and Treasurer December 7, 2000
Brian D. Klemens*
_________________________ Executive Vice President December 7, 2000
Gerald W. Robinson*
*By: /s/ David R. Carmichael December 7, 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.)
II-9
