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All guarantees are subject to the claims-paying ability and financial strength of the issuing insurance company.

Â鶹´«Ã½, its distributors, and respective representatives do not provide tax, accounting, or legal advice. Any taxpayer should seek advice based on the taxpayer's particular circumstances from an independent tax advisor or attorney.

Â鶹´«Ã½ is a product provider. It is not a fiduciary and therefore does not give advice or make recommendations regarding insurance or investment products.

Annuities are long-term contracts designed for retirement. Annuity withdrawals and other distributions of taxable amounts, including death benefit payouts, will be subject to ordinary income tax. For nonqualified contracts, an additional 3.8% federal tax may apply on net investment income. If withdrawals and other distributions are taken prior to age 59½, an additional 10% federal tax may apply. A withdrawal charge and a market value adjustment (MVA) also may apply. Withdrawals will reduce the contract value and the value of the death benefits, and also may reduce the value of any optional benefits.

For Pacific Protective Growth: In the absence of an owner making an election prior to the end of an index term, any contract value in an expiring 6-year term for an index-linked option will remain in its current allocation for the next 6-year term if the index-linked option is available and the market value adjusted (MVA) term is renewed. If we do not receive transfer instructions prior to the end of an expiring 1-year term, index-linked options will remain in their current allocations for the next term if the index-linked option is available. For both 1- and 6-year terms, the new term is subject to the crediting strategy rates declared for that term, which may be different than the crediting strategy rates in the expiring term. For current and historical crediting strategy rates, please contact your financial professional or visit .

For Pacific Protective Growth NY: In the absence of an owner making an election prior to the end of an index term, any contract value in an expiring 6-year term for an index-linked option will be transferred to a 1-year term in the same index-linked option if that index-linked option is still available and offers a 1-year term. If there is no 1-year term available for that index-linked option, the contract value will be transferred to the Fixed Account option. Expiring 1-year terms for index-linked options will remain in their current allocations for the next term if the index-linked option is available. The new term is subject to the crediting strategy rates declared for that term, which may be different than the crediting strategy rates in the expiring term. For current and historical crediting strategy rates and Fixed Account rates, please contact your financial professional or visit .

An investment in a crediting strategy is subject to risks, including the possible loss of all or a significant portion of the principal investment and any credited contract earnings. This loss could be greater if withdrawals or surrenders occur due to the imposition of withdrawal charges, a market value adjustment, if applicable, and possible negative tax consequences.

In the absence of an owner making an election prior to the end of an index term, any contract value in an expiring 6-year term for an index-linked option will remain in its current allocation for the next 6-year term if the index-linked option is available and the market value adjusted (MVA) term is renewed. If we do not receive transfer instructions prior to the end of an expiring 1-year term, index-linked options will remain in their current allocations for the next term if the index-linked option is available. For both 1- and 6-year terms, the new term is subject to the crediting strategy rates declared for that term, which may be different than the crediting strategy rates in the expiring term. For current and historical crediting strategy rates, please contact your financial professional or visit .

An investment in a crediting strategy is subject to risks, including the possible loss of all or a significant portion of the principal investment and any credited contract earnings. This loss could be greater if withdrawals or surrenders occur due to the imposition of withdrawal charges, a market value adjustment, if applicable, and possible negative tax consequences.

The crediting strategy or protection level for a RILA are not applied until the end of the term. Before the end of a term, if the RILA contract is surrendered or annuitized, a withdrawal is taken, or if the death benefit is paid, the transaction will reduce the interim value of the investment in that crediting option and could result in the loss of principal and previously credited contract earnings. Such losses could be as high as 100%. The interim value is the amount in the crediting option that is available for transactions that occur during the term, including full surrenders, withdrawals, free withdrawal amounts, and pre-authorized withdrawals, optional charges (if any), guaranteed withdrawal amounts under any guaranteed lifetime withdrawal benefit, death benefit payments, and annuitization. The interim value could be less than the investment in the crediting strategy option even if the index is performing positively.

This material must be preceded or accompanied by the product prospectus, which contains information about the contract’s features, risks, limitations, charges, and expenses. You should read the prospectus, which is available from your financial professional or by visiting , and consider its information carefully before investing.

Under current law, a nonqualified annuity that is owned by an individual is generally entitled to tax deferral. IRAs and qualified plans—such as 401(k)s and 403(b)s—are already tax-deferred. Therefore, a deferred annuity should be used only to fund an IRA or qualified plan to benefit from the annuity’s features other than tax deferral. These include lifetime income and death benefit options.

Broker/dealer and state variations may apply. Contact your broker/dealer for availability.

Â鶹´«Ã½ refers to Â鶹´«Ã½ and its subsidiary Â鶹´«Ã½ & Annuity Company. Insurance products can be issued in all states, except New York, by Â鶹´«Ã½ and in all states by Â鶹´«Ã½ & Annuity Company. Product/material availability and features may vary by state. Each insurance company is solely responsible for the financial obligations accruing under the products it issues.

Insurance product and rider guarantees, including optional benefits and any fixed crediting rates or annuity payout rates, are backed by the financial strength and claims-paying ability of the issuing insurance company and do not protect the value of the variable investment options. They are not backed by the broker-dealer from which this annuity is purchased, by the insurance agency from which this annuity is purchased, or any affiliates of those entities, and none makes any representations or guarantees regarding the claims-paying ability of the issuing insurance company.

Securities are distributed by Pacific Select Distributors, LLCÌý(³¾±ð³¾²ú±ð°ùÌýÌý&²¹³¾±è;Ìý), a subsidiary of Â鶹´«Ã½ and an affiliate of Â鶹´«Ã½ & Annuity Company.

Contract Form Series: 10-1900, 10-2900 (subject to state variations)

The home office for Â鶹´«Ã½ & Annuity Company is located in Phoenix, Arizona. The home office for Â鶹´«Ã½ is located in Omaha, Nebraska.

No bank guarantee • Not a deposit • Not FDIC/NCUA insured • May lose value • Not insured by any federal government agency 

24-582A

RLC1823-00 1/26 E129