Investor Presentaiton

Pacific Life Business Profile Products Life Insurance Term Life Universal Life Indexed Universal Life Variable Universal Life Life Insurance with LTC Retirement Solutions 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 Small businesses Retirement plans Corporations Financial institutions Institutional investors Independent Life Producers Financial advisory networks ⚫ Wirehouses • • Financial Institutions RIAS . • Regional broker- dealers Wirehouses ⚫ M Financial 3 ⚫ IMOS Actuarial and benefit consulting firms • Third-party brokers • Fund management firms • Investment banks • Internal teams Reinsurance Domestic Retrocession Longevity Reinsurance PLIC Premiums & Deposits¹ Reinsurance 5% Life Insurance 15% Insurance and Reinsurance Companies Retirement Solutions 35% Insurance Brokers Retirement Solutions 39% 1 Includes premiums and annuity considerations for life and accident and health contracts and deposits received for deposit-type contracts for the nine months ended 9/30/22, net of reinsurance 2 Total general account annuity and life actuarial reserves and deposit-type contract liabilities as of 9/30/22 3 M Financial Group is a life insurance distribution, service, and product organization serving high net worth individuals, executives and employers PACIFIC LIFE 9/30/22 $18.1B Institutional 45% PLIC Statutory Reserves² 9/30/22 $94.6B Life Insurance 41% Reinsurance 2% Institutional 18% PLGFII Investor Presentation (Q3 2022) 11 of 33

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