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SUPPLEMENT DATED NOVEMBER 30, 2000 TO
PROSPECTUS DATED MAY 1, 2000 FOR
PACIFIC INNOVATIONS, A VARIABLE ANNUITY CONTRACT
ISSUED BY PACIFIC LIFE INSURANCE COMPANY
APPENDIX A: STATE LAW VARIATIONS to the Prospectus is amended by adding the
following:
FOR CONTRACTS DELIVERED TO RESIDENTS OF TEXAS:
If, at the time your application is completed, you purchase the optional Premier
Death Benefit Rider ("PDBR"), the DEATH BENEFIT AMOUNT stated in the DEATH
BENEFIT AMOUNTS and OPTIONAL PREMIER DEATH BENEFIT RIDER sections are replaced
with the following:
The DEATH BENEFIT AMOUNT as of any day (prior to the Annuity Date) is equal to
the greater of (a) your Contract Value as of that day, or (b) your aggregate
Purchase Payments less an adjusted amount for each withdrawal increased at an
effective annual rate of 5% to that day, subject to a maximum of two times the
difference between the aggregate Purchase Payments and withdrawals, including
withdrawal charges. The 5% effective annual rate of growth will take into
account the timing of when each Purchase Payment and withdrawal occurred by
applying a daily factor of 1.00013368 to each day's balance. The 5% effective
annual rate of growth will stop accruing as of the earlier of: (i) the Contract
Anniversary following the date the Annuitant reaches his or her 80th birthday;
(ii) the date of death of the sole Annuitant; or (iii) the Annuity Date.
Form No. PITXSUP120
