Investor Presentaiton

Strong Enterprise Risk Management ✓ Strong Risk Culture ✓ Diversified Business Profile Effectively Managing Through Market Volatility • Resilient capital ratio under extreme market stress scenarios • Diversified and well-positioned investment portfolio • Hedging programs performing as designed ✓ Clearly Articulated Risk Appetite Effectively Managing Through COVID • Excess claims modest in context of available capital Diversified mortality and longevity lines of business ✓ Well-Designed Risk Framework ✓ Robust Governance Structure ✓ Effective Risk Organization Mature Operational Risk Management Effective coordination across 3-lines-of-defense¹ model • Well-established enterprise-wide programs and processes Robust Cyber Security & IT Risk Management • • Established programs aligned with industry standards2,3 Extensive training and awareness campaigns 1 Three lines of defense framework for risk management includes risk owners as first line, risk management as second line, and internal audit as third line 2 National Institute of Standards and Technology (NIST) Cybersecurity Framework (CSF) 3 Control Objectives for Information and Technologies (COBIT) Framework PACIFIC LIFE PLGFII Investor Presentation (Q3 2022) 19 of 33

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