Investor Presentaiton

Pacific Life Insurance Company's Ratings MOODY'S S&P Global Fitch Ratings M BEST Aa3 AA- AA- A+ Excellent Stable Outlook¹ Very Strong Stable Outlook² Very Strong Stable Outlook³ Superior Stable Outlook4 1 Moody's rating upgraded and outlook revised to stable in July 2021 2 S&P outlook and rating reaffirmed in December 2021 3 Fitch outlook and rating reaffirmed in November 2022 4 AM Best outlook and rating reaffirmed in June 2022 PACIFIC LIFE Favorable Business Profile Strong Market Positions Diversified Earnings Very Strong Capitalization Excellent Liquidity Ratings as of November 15, 2022 PLGFII Investor Presentation (Q3 2022) 18 of 33

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