RO
● Active
Return of Purchase Payments Death Benefit
Pacific Life Insurance Company
DTCC ID
—
COMPANY
Pacific Life Insurance Company
TYPE
Variable Annuity
INCEPTION
Jun 01, 2021
Identity
Benefit name
Return of Purchase Payments Death Benefit
Internal benefit name
Return of Purchase Payments Death Benefit
Company
Product policy type
Variable Annuity
Status
● Active
Sequence
2
Inception date
Jun 01, 2021
Closed date
—
DTCC Rider ID
—
Last modified
Apr 22, 2026
Life & Age
Based on life
Owner (or Annuitant if owner is a non-natural person)
Single life
No
Joint life
No
Min age
—
Max age
—
Rider select rule
Optional
Waiting period
—
Waiting term
—
Benefit Base
Maximum benefit base
—
Maximum benefit base %
—
With reduce benefit base
—
Subsequent premium
Subsequent purchase payment will increase benefit base by dollar-for-dollar amount.
Partial withdrawals
Withdrawals will reduce benefit base in same proportion.
Required min distributions
Not Applicable
Coverage Flags
Exclude premium bonus
No
Spousal continuation option
Yes
Spousal continuation detail
Surviving spouse may elect to continue benefit after death of owner.
State Availability
Exception flag
No
Available in states
—
Benefit Description
Available during accumulation phase only. Upon death of owner (any Annuitant for Non-Natural Owners), benefit will be equal to the greater of - 1) Contract Value or 2) Total Adjusted Purchase Payments. If owner change, the total adjusted purchase payments will be reset to equal the lesser of -1) Contract Value as of the effective date of the Owner change or 2) Total Adjusted Purchase Payments as of Change Date. The Return of Purchase Payments Death Benefit II rider will be referred to by this name in California, and its charges will also remain the same.
Lifecycle Events
Cancellation
May not be cancelled.
Termination
Benefit will automatically terminate upon earliest of - 1) annuitization; 2) contract value and benefits base reduces to zero; or 3) death.
Available when added
Only at contract issue.
Effect change ownership
Issuer will recalculate benefit amount upon change in ownership.