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Fixed Indexed Annuity

Index Advisory

Pacific Life

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10%

Free W/D

50

Jurisdictions

Product data status: June 23, 2026

Rates, state availability, rider terms, and contract language must be confirmed with a licensed financial advisor or insurance professional before purchase. Guarantees are backed by the issuing insurer.

Model this product

See what Index Advisory would do for you

Set your numbers and switch between growth, income, and liquidity. Index losses credit 0% — the floor — so a down market never reduces your value.

Product analyzer
Illustrative — live CANNEX rates as of June 23, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$304,162
Est. value at age 80 (Index Advisory)
0%
Floor — index losses never reduce value
Index Advisory
✦
How crediting works: the cap limits the index — but a down year credits 0%, never a loss. A cap strategy tracks the index within its terms. What is a cap vs participation? →
Assumptions: illustrative — applies Index Advisory's published cap rate (8.8% on S&P 500 Index) to a hypothetical index path (~5.4%/yr average, including down years) with a 0% floor over 20 years. Not a projection, quote, or guarantee. Live CANNEX rates as of June 23, 2026.

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See how Index Advisory compares for your age, state, premium, and income goals alongside other Pacific Life fixed indexed annuity options.

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Live rate data

Run live numbers for Index Advisory

Current rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Pacific Life product.

Live product data

Rates as of June 23, 2026, based on the latest AdvisorWorld scan of CANNEX data.

S&P 500 annual point-to-point cap

8.6% trigger rate on S&P 500

Index Advisory is an advisor-class (fee-based), seven-year-surrender FIA from A+-rated Pacific Life with a deliberately narrow crediting menu — annual point-to-point caps and participation strategies on the S&P 500 and the MSCI EAFE — and no income rider on the contract.

7-year termPerformance triggerAdvisorWorld + CANNEX data

Best fit

Accumulation-focused buyers working with a fee-only RIA who want a recognizable, comparable FIA crediting menu (S&P 500 and MSCI EAFE) inside a contract designed to fit a fee-based advisory account, are comfortable with a seven-year deferral, and do not need a contractual lifetime-income rider on this particular contract.

AM Best

A+ Superior

Surrender options

5 and 7 years

Free withdrawal

10%/yr

Availability

50 jurisdictions (excl. New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

8.75% cap rate

5-year term · 5-year surrender · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

100% participation rate + 8.5% declared rate

5-year term · 5-year surrender · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

8.8% cap rate

7-year term · 7-year surrender · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

100% participation rate + 8.6% declared rate

7-year term · 7-year surrender · $100,000+

Rate varies by premium band.

Fixed Account

Fixed Account

4.25% declared rate

5-year term · 5-year surrender · Premium band not shown

Fixed Account

Fixed Account

4.35% declared rate

7-year term · 7-year surrender · Premium band not shown

+ 8 volatility-controlled index options (MSCI EAFE...)
View rate listings (18 rows)

These are the current crediting strategy listings returned for this product. Use the filters to narrow by index, term, premium band, or rate type.

Par: 100% + Fixed: 8.5% · 5-yr

S&P 500 Index

trigger

5-yr surrender$100,000+

Par: 100% + Fixed: 8.5% · 5-yr

MSCI EAFE Index

trigger

5-yr surrender$100,000+

Cap: 8.75% · 5-yr

S&P 500 Index

cap

5-yr surrender$100,000+

Cap: 8.75% · 5-yr

MSCI EAFE Index

cap

5-yr surrender$100,000+

Fixed: 4.25% · 5-yr

Fixed Account

fixed

5-yr surrender

Par: 100% + Fixed: 7.65% · 5-yr

S&P 500 Index

trigger

5-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 7.65% · 5-yr

MSCI EAFE Index

trigger

5-yr surrenderUp to $99,999.99

Cap: 7.65% · 5-yr

S&P 500 Index

cap

5-yr surrenderUp to $99,999.99

Cap: 7.65% · 5-yr

MSCI EAFE Index

cap

5-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 8.6% · 7-yr

S&P 500 Index

trigger

7-yr surrender$100,000+

Par: 100% + Fixed: 8.6% · 7-yr

MSCI EAFE Index

trigger

7-yr surrender$100,000+

Cap: 8.8% · 7-yr

S&P 500 Index

cap

7-yr surrender$100,000+

Cap: 8.8% · 7-yr

MSCI EAFE Index

cap

7-yr surrender$100,000+

Fixed: 4.35% · 7-yr

Fixed Account

fixed

7-yr surrender

Par: 100% + Fixed: 8.2% · 7-yr

S&P 500 Index

trigger

7-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 8.2% · 7-yr

MSCI EAFE Index

trigger

7-yr surrenderUp to $99,999.99

Cap: 8.25% · 7-yr

S&P 500 Index

cap

7-yr surrenderUp to $99,999.99

Cap: 8.25% · 7-yr

MSCI EAFE Index

cap

7-yr surrenderUp to $99,999.99

Product analyst notes

How to think about this contract

Why it can stand out

  • Advisor-class (fee-based) FIA — designed to be held inside a fee-only advisory account, so a buyer working with a fee-only RIA can hold this contract without the traditional commission structure that comes with a retail FIA filing.
  • Compact, recognizable crediting menu — every index strategy on the contract is built on either the S&P 500 or the MSCI EAFE, with both annual point-to-point caps and no-cap participation forms available on each, so a like-for-like comparison against other FIAs is unusually clean.
  • A.M. Best A+ rated carrier financial-strength on a national-footprint life insurer with a long FIA history, so the strength view backing the long deferral does not rest on a single niche-market carrier.
  • A seven-year surrender ladder paired with a published per-year free-withdrawal allowance keeps the lockup window shorter than the ten-year designs typical of the broader Pacific Index lineup.

What to confirm

  • This contract does NOT carry a guaranteed-lifetime-withdrawal rider and does NOT carry a Protected Income Value chassis — the live feed's income-rider list is empty and hasFiaIncome is false. Buyers who need a contractually published lifetime income figure must look at a rider-led FIA (Pacific Index Income or Index Edge in this same family) or a SPIA, not this contract.
  • There is no premium bonus and no return-of-premium feature; the standard death benefit pays cash surrender value rather than a stepped-up or rollup-enhanced value, so heirs receive what a buyer would receive on a non-penalty surrender during the surrender years.
  • The crediting menu is narrow by design — only the S&P 500 and the MSCI EAFE — so a buyer who wants exposure to volatility-controlled proprietary indexes or a broad multi-asset crediting menu will find this contract structurally limited compared with retail Pacific Index siblings.
  • Surrender lockup runs the full seven years; the published free-withdrawal allowance covers a per-year cap, not a full early exit, so price the surrender ladder against your liquidity plan before committing principal.

Not ideal for

Buyers who need a guaranteed-lifetime-withdrawal income rider on this contract, want a premium bonus or a return-of-premium feature, expect a stepped-up or rollup-enhanced death benefit, want a broad volatility-controlled proprietary index lineup, or cannot work through a fee-based advisor — those are not what this filing is built to deliver.

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See how Index Advisory compares for your age, state, premium, and income goals alongside other Pacific Life fixed indexed annuity options.

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All crediting strategies

View rate listings (18 rows)

These are the current crediting strategy listings returned for this product. Use the filters to narrow by index, term, premium band, or rate type.

Par: 100% + Fixed: 8.5% · 5-yr

S&P 500 Index

trigger

5-yr surrender$100,000+

Par: 100% + Fixed: 8.5% · 5-yr

MSCI EAFE Index

trigger

5-yr surrender$100,000+

Cap: 8.75% · 5-yr

S&P 500 Index

cap

5-yr surrender$100,000+

Cap: 8.75% · 5-yr

MSCI EAFE Index

cap

5-yr surrender$100,000+

Fixed: 4.25% · 5-yr

Fixed Account

fixed

5-yr surrender

Par: 100% + Fixed: 7.65% · 5-yr

S&P 500 Index

trigger

5-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 7.65% · 5-yr

MSCI EAFE Index

trigger

5-yr surrenderUp to $99,999.99

Cap: 7.65% · 5-yr

S&P 500 Index

cap

5-yr surrenderUp to $99,999.99

Cap: 7.65% · 5-yr

MSCI EAFE Index

cap

5-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 8.6% · 7-yr

S&P 500 Index

trigger

7-yr surrender$100,000+

Par: 100% + Fixed: 8.6% · 7-yr

MSCI EAFE Index

trigger

7-yr surrender$100,000+

Cap: 8.8% · 7-yr

S&P 500 Index

cap

7-yr surrender$100,000+

Cap: 8.8% · 7-yr

MSCI EAFE Index

cap

7-yr surrender$100,000+

Fixed: 4.35% · 7-yr

Fixed Account

fixed

7-yr surrender

Par: 100% + Fixed: 8.2% · 7-yr

S&P 500 Index

trigger

7-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 8.2% · 7-yr

MSCI EAFE Index

trigger

7-yr surrenderUp to $99,999.99

Cap: 8.25% · 7-yr

S&P 500 Index

cap

7-yr surrenderUp to $99,999.99

Cap: 8.25% · 7-yr

MSCI EAFE Index

cap

7-yr surrenderUp to $99,999.99

Income riders

Accumulation-focused — no income rider

This contract is designed for tax-deferred accumulation, not guaranteed lifetime income. No GLWB rider was returned because none is part of the contract design — compare against other accumulation FIAs on cap, participation rate, and surrender terms rather than lifetime income.

Common questions about Index Advisory

● Can I lose money in Index Advisory?

In a year the index falls, Index Advisory credits 0% — the floor — so your account value does not drop from market losses. Up to 10% of your value can be withdrawn each year without a charge; withdrawals above the penalty-free amount during the surrender period can incur a surrender charge.

● When can I access my money without a surrender charge?

Up to 10% of your account value each year is penalty-free. The surrender period runs 7 years; after that you reach full liquidity. The Liquidity tab of the analyzer shows the year-by-year surrender charge.

● How does Index Advisory compare to other FIAs?

Use "Compare against" in the analyzer to overlay Index Advisory with a competing product on the same growth path and see a side-by-side spec row. The better fit depends on your goal — accumulation, income, or liquidity — and the comparison shows where each product leads.

Key Features

Free withdrawal

10%/yr

Annual amount that may be available without surrender charges, subject to contract terms.

Surrender waivers

3

Nursing home waiver, RMD waiver, Terminal illness waiver

Death benefit

Interest Enhanced Death Benefit

Beneficiary value depends on contract terms, withdrawals, and rider elections.

Strategy guarantee

Minimum guaranteed cap: 2.95%

Strategy guarantee

Minimum guaranteed declared rate: 2.95%

Strategy guarantee

Guaranteed minimum interest rate (fixed): 2.70%

Annuitization options

Single and joint

Contract conversion options should be confirmed before purchase.

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

Surrender schedule

Yr 1

7%

Yr 2

6%

Yr 3

5%

Yr 4

4%

Yr 5

3%

Yr 6

2%

Yr 7

1%

After

0%

Nursing home waiver, RMD waiver, Terminal illness waiver, Surrender waivers

Documents

product guide

pacific-index-advisory-client-guide-2_compressed.pdf

Confidence: highReviewed Apr 6, 2026

Direct link not published — request the document from the carrier.

Carrier Ratings

AM BestA+
S&PAA-
Moody'sAa3
S&PAA-

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

Index Advisory currently shows 14 distinct indexed or fixed crediting choices across 18 current rate listings, including S&P 500 Index, with 6 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, and renewal terms are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 8.75% cap
  • S&P 500 Index: 7.65% cap
  • S&P 500 Index: 100% participation

Liquidity terms

Why access rules deserve as much attention as rates

A fixed indexed annuity can preserve more control than an income-only contract, but access is still governed by the surrender schedule, free-withdrawal terms, and waiver language. Those details are where many product comparisons become more meaningful than a simple rate list.

  • 10%/yr free withdrawal
  • 7 surrender years
  • Nursing home waiver
  • RMD waiver
  • Terminal illness waiver

Verification note

Use carrier materials as term evidence, then confirm the current version

Carrier materials such as pacific-index-advisory-client-guide-2_compressed.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 8, 2026. For the current brochure, rate sheet, or specimen contract, confirm the state-specific version with the carrier or a licensed financial professional.

  • Rates and rider terms can vary by state and issue age
  • Carrier guarantees depend on claims-paying ability
  • Current contract forms should be confirmed before purchase

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See how Index Advisory compares for your age, state, premium, and income goals alongside other Pacific Life fixed indexed annuity options.

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