Investor Presentaiton

Pacific Life Business Profile Consumer Markets Life Insurance Term Life ⚫ Universal Life Indexed Universal Life Products • Variable Universal Life ⚫ Life Insurance with LTC Consumer Markets - Annuity Variable Annuities Fixed Annuities Structured Settlement Annuities Institutional Pension Risk-Transfer Defined Contribution Lifetime Income Stable Value Products Capital Markets Spread Lending Target Markets Distribution • Individuals and families Small businesses Corporations Individuals Retirement plans • • Small businesses ⚫ Corporations Financial institutions ⚫ Institutional investors •⚫ Independent Life Producers Financial advisory networks Wirehouses M Financial 3 • • Financial Institutions ⚫ RIAS • Regional broker- dealers Wirehouses • IMOS • Actuarial and benefit consulting firms ⚫ Third-party brokers • Fund management firms • Investment banks • Internal teams Reinsurance PLIC Premiums & Deposits¹ Domestic Retrocession Longevity Reinsurance Reinsurance 3% Consumer Markets - Life Insurance 15% YTD 12/31/22 $25.9B Institutional 47% Insurance and Reinsurance Companies Consumer Markets - Annuity 35% Insurance Brokers Consumer Markets - Life Insurance 40% PLIC Statutory Reserves² 12/31/22 $98.0B Reinsurance 2% Consumer Markets - Annuity 38% 1 Includes premiums and annuity considerations for life and accident and health contracts and deposits received for deposit-type contracts for the year ended 12/31/22, net of reinsurance 2 Total general account annuity and life actuarial reserves and deposit-type contract liabilities as of 12/31/22 3 M Financial Group is a life insurance distribution, service, and product organization serving high net worth individuals, executives and employers PACIFIC LIFE Institutional 20% PLGFII - Investor Presentation (Q4 2022) 11 of 35

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