Investor Presentaiton
Pacific Life Insurance Company
INVESTMENT HIGHLIGHTS
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Well-established life insurer with a diversified business
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A leading Insurance company with retail Life Insurance and Retirement
Solutions businesses
Strong market position in the affluent market with extensive
distribution relationships
• Well-established and growing in our Institutional markets
Entering the Workforce Benefits market through a dedicated, greenfield
business line
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High quality, diversified investment portfolio
Strong performing general account portfolio
Portfolio mainly composed of investment grade public and private fixed income
securities, mortgage loans and contract loans
Strong commercial mortgage portfolio loan-to-value of 61% as of September 30,
2022
Experienced and seasoned management team
Senior management has extensive experience in the insurance and
investment industry, with ~30 average years of experience
Robust balance sheet
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Strong capitalization and liquidity
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Risk-based capital ratio¹ of 586% as of December 31, 2021
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Commitment to credit strength and ratings
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Well-defined risk management and governance framework
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Strong risk conscious culture that is embedded throughout the enterprise
Guides capital and risk management decisions
Robust financial liquidity to meet obligations
Mutual insurance holding company structure
Mutual holding company structure provides strong focus on long term
policyholder value creation with a thoughtfully managed financial profile
that is not subject to public investor expectations of capital return such as
stock buybacks
1 RBC Ratio is not intended for the purpose of ranking any insurance company or for use in connection with any marketing, advertising or promotional activities. See limitations on use in Important Notices, on slide 2
PACIFIC LIFE
PLGFII - Investor Presentation (Q3 2022)
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