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Fixed Indexed Annuity

Pacific Index Foundation 2

Pacific Life

Get my rate report

8.6%

Best Cap

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 Pacific Index Foundation 2 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
$301,932
Est. value at age 80 (Pacific Index Foundation 2)
0%
Floor — index losses never reduce value
Pacific Index Foundation 2
✦
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 Pacific Index Foundation 2's published cap rate (8.6% on MSCI EAFE 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.

Free Comparison Report

Get a Pacific Index Foundation 2 rate report

See how Pacific Index Foundation 2 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 Pacific Index Foundation 2

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% cap on S&P 500

Pacific Index Foundation 2 is a nine-year-surrender, A+-rated FIA from Pacific Life — the newer filing in the Index Foundation lineup — with an expanded crediting menu spanning one-, five-, seven-, and ten-year guarantee-period caps and participation strategies on the S&P 500, MSCI EAFE, and proprietary volatility-controlled indexes, and no income rider on the contract.

1-year termAdvisorWorld + CANNEX data

Best fit

Accumulation-focused buyers comfortable with a nine-year deferral from an A+-rated carrier who want the option to mix short (one-year) and long (five-/seven-/ten-year) crediting cadences inside the same contract, want both a recognizable S&P 500 cap and broader proprietary participation-rate strategies as allocation buckets, and do not need a contractual lifetime-income rider on this filing.

AM Best

A+ Superior

Surrender options

5, 7, and 10 years

Free withdrawal

10%/yr

Availability

50 jurisdictions (excl. New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

8.5% cap rate

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

Rate varies by premium band.

S&P 500

S&P 500 Index

8.55% cap rate

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

Rate varies by premium band.

S&P 500

S&P 500 Index

8.6% cap rate

1-year term · 10-year surrender · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

8.5% cap rate

1-year term · Surrender term not shown · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

8.55% cap rate

1-year term · Surrender term not shown · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

8.6% cap rate

1-year term · Surrender term not shown · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

100% participation rate + 7.55% declared rate

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

Rate varies by premium band.

S&P 500

S&P 500 Index

100% participation rate + 7.65% declared rate

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

Rate varies by premium band.

S&P 500

S&P 500 Index

100% participation rate + 7.75% declared rate

1-year term · 10-year surrender · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

100% participation rate + 7.55% declared rate

1-year term · Surrender term not shown · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

100% participation rate + 7.65% declared rate

1-year term · Surrender term not shown · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

100% participation rate + 7.75% declared rate

1-year term · Surrender term not shown · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

7.75% cap rate

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

Rate varies by premium band.

S&P 500

S&P 500 Index

7.75% cap rate

5-year term · Surrender term not shown · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

100% participation rate + 7.5% declared rate

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

Rate varies by premium band.

S&P 500

S&P 500 Index

100% participation rate + 7.5% declared rate

5-year term · Surrender term not shown · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

7.8% cap rate

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

Rate varies by premium band.

S&P 500

S&P 500 Index

7.8% cap rate

7-year term · Surrender term not shown · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

100% participation rate + 7.55% declared rate

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

Rate varies by premium band.

S&P 500

S&P 500 Index

100% participation rate + 7.55% declared rate

7-year term · Surrender term not shown · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

7.85% cap rate

9-year term · Surrender term not shown · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

100% participation rate + 7.7% declared rate

9-year term · Surrender term not shown · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

7.85% cap rate

10-year term · 10-year surrender · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

100% participation rate + 7.7% declared rate

10-year term · 10-year surrender · $100,000+

Rate varies by premium band.

Nasdaq-100

SG Nasdaq-100 Edge VC10 Index

105% participation rate

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

Rate varies by premium band.

Nasdaq-100

SG Nasdaq-100 Edge VC10 Index

105% participation rate

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

Rate varies by premium band.

Nasdaq-100

SG Nasdaq-100 Edge VC10 Index

105% participation rate

1-year term · 10-year surrender · $100,000+

Rate varies by premium band.

Nasdaq-100

SG Nasdaq-100 Edge VC10 Index

105% participation rate

1-year term · Surrender term not shown · $100,000+

Rate varies by premium band.

Nasdaq-100

SG Nasdaq-100 Edge VC10 Index

100% participation rate

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

Rate varies by premium band.

Nasdaq-100

SG Nasdaq-100 Edge VC10 Index

100% participation rate

5-year term · Surrender term not shown · $100,000+

Rate varies by premium band.

Nasdaq-100

SG Nasdaq-100 Edge VC10 Index

100% participation rate

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

Rate varies by premium band.

Nasdaq-100

SG Nasdaq-100 Edge VC10 Index

100% participation rate

7-year term · Surrender term not shown · $100,000+

Rate varies by premium band.

Nasdaq-100

SG Nasdaq-100 Edge VC10 Index

100% participation rate

9-year term · Surrender term not shown · $100,000+

Rate varies by premium band.

Nasdaq-100

SG Nasdaq-100 Edge VC10 Index

100% participation rate

10-year term · 10-year surrender · $100,000+

Rate varies by premium band.

Fixed Account

Fixed Account

4% declared rate

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

Rate varies by premium band.

Fixed Account

Fixed Account

4.1% declared rate

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

Rate varies by premium band.

Fixed Account

Fixed Account

4.2% declared rate

1-year term · 10-year surrender · $100,000+

Rate varies by premium band.

Fixed Account

Fixed Account

4% declared rate

1-year term · Surrender term not shown · $100,000+

Rate varies by premium band.

Fixed Account

Fixed Account

4.1% declared rate

1-year term · Surrender term not shown · $100,000+

Rate varies by premium band.

Fixed Account

Fixed Account

4.2% declared rate

1-year term · Surrender term not shown · $100,000+

Rate varies by premium band.

Fixed Account

Fixed Account

3.75% declared rate

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

Rate varies by premium band.

Fixed Account

Fixed Account

3.75% declared rate

5-year term · Surrender term not shown · $100,000+

Rate varies by premium band.

Fixed Account

Fixed Account

3.8% declared rate

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

Rate varies by premium band.

Fixed Account

Fixed Account

3.8% declared rate

7-year term · Surrender term not shown · $100,000+

Rate varies by premium band.

Fixed Account

Fixed Account

3.85% declared rate

9-year term · Surrender term not shown · $100,000+

Rate varies by premium band.

Fixed Account

Fixed Account

3.85% declared rate

10-year term · 10-year surrender · $100,000+

Rate varies by premium band.

+ 164 volatility-controlled index options (MSCI EAFE, Invesco QQQ, iShares Russell...)
View rate listings (248 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: 105% · 1-yr

Barclays Large Cap Intraday VC10 Index

participation

5-yr surrender$100,000+

Par: 105% · 1-yr

SG Nasdaq-100 Edge VC10 Index

participation

5-yr surrender$100,000+

Par: 100% + Fixed: 7.55% · 1-yr

S&P 500 Index

trigger

5-yr surrender$100,000+

Par: 100% + Fixed: 7.55% · 1-yr

MSCI EAFE Index

trigger

5-yr surrender$100,000+

Par: 100% + Fixed: 7.55% · 1-yr

Invesco QQQ Trust Series 1

trigger

5-yr surrender$100,000+

Par: 100% + Fixed: 7.55% · 1-yr

iShares Russell 2000 ETF

trigger

5-yr surrender$100,000+

Cap: 8.5% · 1-yr

S&P 500 Index

cap

5-yr surrender$100,000+

Cap: 8.5% · 1-yr

MSCI EAFE Index

cap

5-yr surrender$100,000+

Cap: 8.5% · 1-yr

Invesco QQQ Trust Series 1

cap

5-yr surrender$100,000+

Cap: 8.5% · 1-yr

iShares Russell 2000 ETF

cap

5-yr surrender$100,000+

Fixed: 4% · 1-yr

Fixed Account

fixed

5-yr surrender$100,000+

Par: 100% + Fixed: 7.5% · 5-yr

MSCI EAFE Index

trigger

5-yr surrender$100,000+

Par: 100% + Fixed: 7.5% · 5-yr

S&P 500 Index

trigger

5-yr surrender$100,000+

Par: 100% · 5-yr

Barclays Large Cap Intraday VC10 Index

participation

5-yr surrender$100,000+

Par: 100% · 5-yr

SG Nasdaq-100 Edge VC10 Index

participation

5-yr surrender$100,000+

Par: 100% + Fixed: 7.5% · 5-yr

Invesco QQQ Trust Series 1

trigger

5-yr surrender$100,000+

Par: 100% + Fixed: 7.5% · 5-yr

iShares Russell 2000 ETF

trigger

5-yr surrender$100,000+

Cap: 7.75% · 5-yr

MSCI EAFE Index

cap

5-yr surrender$100,000+

Cap: 7.75% · 5-yr

S&P 500 Index

cap

5-yr surrender$100,000+

Cap: 7.75% · 5-yr

Invesco QQQ Trust Series 1

cap

5-yr surrender$100,000+

Cap: 7.75% · 5-yr

iShares Russell 2000 ETF

cap

5-yr surrender$100,000+

Fixed: 3.75% · 5-yr

Fixed Account

fixed

5-yr surrender$100,000+

Par: 100% · 1-yr

Barclays Large Cap Intraday VC10 Index

participation

5-yr surrenderUp to $99,999.99

Par: 100% · 1-yr

SG Nasdaq-100 Edge VC10 Index

participation

5-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 7.05% · 1-yr

S&P 500 Index

trigger

5-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 7.05% · 1-yr

MSCI EAFE Index

trigger

5-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 7.05% · 1-yr

Invesco QQQ Trust Series 1

trigger

5-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 7.05% · 1-yr

iShares Russell 2000 ETF

trigger

5-yr surrenderUp to $99,999.99

Cap: 7.75% · 1-yr

S&P 500 Index

cap

5-yr surrenderUp to $99,999.99

Cap: 7.75% · 1-yr

MSCI EAFE Index

cap

5-yr surrenderUp to $99,999.99

Cap: 7.75% · 1-yr

Invesco QQQ Trust Series 1

cap

5-yr surrenderUp to $99,999.99

Cap: 7.75% · 1-yr

iShares Russell 2000 ETF

cap

5-yr surrenderUp to $99,999.99

Fixed: 3.85% · 1-yr

Fixed Account

fixed

5-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 7% · 5-yr

MSCI EAFE Index

trigger

5-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 7% · 5-yr

S&P 500 Index

trigger

5-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 7% · 5-yr

Invesco QQQ Trust Series 1

trigger

5-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 7% · 5-yr

iShares Russell 2000 ETF

trigger

5-yr surrenderUp to $99,999.99

Par: 95% · 5-yr

Barclays Large Cap Intraday VC10 Index

participation

5-yr surrenderUp to $99,999.99

Par: 95% · 5-yr

SG Nasdaq-100 Edge VC10 Index

participation

5-yr surrenderUp to $99,999.99

Cap: 7% · 5-yr

MSCI EAFE Index

cap

5-yr surrenderUp to $99,999.99

Cap: 7% · 5-yr

S&P 500 Index

cap

5-yr surrenderUp to $99,999.99

Cap: 7% · 5-yr

Invesco QQQ Trust Series 1

cap

5-yr surrenderUp to $99,999.99

Cap: 7% · 5-yr

iShares Russell 2000 ETF

cap

5-yr surrenderUp to $99,999.99

Fixed: 3.6% · 5-yr

Fixed Account

fixed

5-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 7.65% · 1-yr

S&P 500 Index

trigger

7-yr surrender$100,000+

Par: 100% + Fixed: 7.65% · 1-yr

MSCI EAFE Index

trigger

7-yr surrender$100,000+

Par: 100% + Fixed: 7.65% · 1-yr

Invesco QQQ Trust Series 1

trigger

7-yr surrender$100,000+

Par: 100% + Fixed: 7.65% · 1-yr

iShares Russell 2000 ETF

trigger

7-yr surrender$100,000+

Cap: 8.55% · 1-yr

S&P 500 Index

cap

7-yr surrender$100,000+

Cap: 8.55% · 1-yr

MSCI EAFE Index

cap

7-yr surrender$100,000+

Cap: 8.55% · 1-yr

Invesco QQQ Trust Series 1

cap

7-yr surrender$100,000+

Cap: 8.55% · 1-yr

iShares Russell 2000 ETF

cap

7-yr surrender$100,000+

Fixed: 4.1% · 1-yr

Fixed Account

fixed

7-yr surrender$100,000+

Par: 100% · 7-yr

Barclays Large Cap Intraday VC10 Index

participation

7-yr surrender$100,000+

Par: 100% · 7-yr

SG Nasdaq-100 Edge VC10 Index

participation

7-yr surrender$100,000+

Par: 100% + Fixed: 7.55% · 7-yr

S&P 500 Index

trigger

7-yr surrender$100,000+

Par: 100% + Fixed: 7.55% · 7-yr

MSCI EAFE Index

trigger

7-yr surrender$100,000+

Par: 100% + Fixed: 7.55% · 7-yr

Invesco QQQ Trust Series 1

trigger

7-yr surrender$100,000+

Par: 100% + Fixed: 7.55% · 7-yr

iShares Russell 2000 ETF

trigger

7-yr surrender$100,000+

Cap: 7.8% · 7-yr

S&P 500 Index

cap

7-yr surrender$100,000+

Cap: 7.8% · 7-yr

MSCI EAFE Index

cap

7-yr surrender$100,000+

Cap: 7.8% · 7-yr

Invesco QQQ Trust Series 1

cap

7-yr surrender$100,000+

Cap: 7.8% · 7-yr

iShares Russell 2000 ETF

cap

7-yr surrender$100,000+

Fixed: 3.8% · 7-yr

Fixed Account

fixed

7-yr surrender$100,000+

Par: 100% + Fixed: 7.15% · 1-yr

S&P 500 Index

trigger

7-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 7.15% · 1-yr

MSCI EAFE Index

trigger

7-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 7.15% · 1-yr

Invesco QQQ Trust Series 1

trigger

7-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 7.15% · 1-yr

iShares Russell 2000 ETF

trigger

7-yr surrenderUp to $99,999.99

Cap: 7.8% · 1-yr

S&P 500 Index

cap

7-yr surrenderUp to $99,999.99

Cap: 7.8% · 1-yr

MSCI EAFE Index

cap

7-yr surrenderUp to $99,999.99

Cap: 7.8% · 1-yr

Invesco QQQ Trust Series 1

cap

7-yr surrenderUp to $99,999.99

Cap: 7.8% · 1-yr

iShares Russell 2000 ETF

cap

7-yr surrenderUp to $99,999.99

Fixed: 3.95% · 1-yr

Fixed Account

fixed

7-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 7.05% · 7-yr

S&P 500 Index

trigger

7-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 7.05% · 7-yr

MSCI EAFE Index

trigger

7-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 7.05% · 7-yr

Invesco QQQ Trust Series 1

trigger

7-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 7.05% · 7-yr

iShares Russell 2000 ETF

trigger

7-yr surrenderUp to $99,999.99

Par: 95% · 7-yr

Barclays Large Cap Intraday VC10 Index

participation

7-yr surrenderUp to $99,999.99

Par: 95% · 7-yr

SG Nasdaq-100 Edge VC10 Index

participation

7-yr surrenderUp to $99,999.99

Cap: 7.05% · 7-yr

S&P 500 Index

cap

7-yr surrenderUp to $99,999.99

Cap: 7.05% · 7-yr

MSCI EAFE Index

cap

7-yr surrenderUp to $99,999.99

Cap: 7.05% · 7-yr

Invesco QQQ Trust Series 1

cap

7-yr surrenderUp to $99,999.99

Cap: 7.05% · 7-yr

iShares Russell 2000 ETF

cap

7-yr surrenderUp to $99,999.99

Fixed: 3.65% · 7-yr

Fixed Account

fixed

7-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 7.75% · 1-yr

S&P 500 Index

trigger

10-yr surrender$100,000+

Par: 100% + Fixed: 7.75% · 1-yr

MSCI EAFE Index

trigger

10-yr surrender$100,000+

Par: 100% + Fixed: 7.75% · 1-yr

Invesco QQQ Trust Series 1

trigger

10-yr surrender$100,000+

Par: 100% + Fixed: 7.75% · 1-yr

iShares Russell 2000 ETF

trigger

10-yr surrender$100,000+

Cap: 8.6% · 1-yr

S&P 500 Index

cap

10-yr surrender$100,000+

Cap: 8.6% · 1-yr

MSCI EAFE Index

cap

10-yr surrender$100,000+

Cap: 8.6% · 1-yr

Invesco QQQ Trust Series 1

cap

10-yr surrender$100,000+

Cap: 8.6% · 1-yr

iShares Russell 2000 ETF

cap

10-yr surrender$100,000+

Fixed: 4.2% · 1-yr

Fixed Account

fixed

10-yr surrender$100,000+

Par: 100% · 10-yr

Barclays Large Cap Intraday VC10 Index

participation

10-yr surrender$100,000+

Par: 100% · 10-yr

SG Nasdaq-100 Edge VC10 Index

participation

10-yr surrender$100,000+

Par: 100% + Fixed: 7.7% · 10-yr

S&P 500 Index

trigger

10-yr surrender$100,000+

Par: 100% + Fixed: 7.7% · 10-yr

MSCI EAFE Index

trigger

10-yr surrender$100,000+

Par: 100% + Fixed: 7.7% · 10-yr

Invesco QQQ Trust Series 1

trigger

10-yr surrender$100,000+

Par: 100% + Fixed: 7.7% · 10-yr

iShares Russell 2000 ETF

trigger

10-yr surrender$100,000+

Cap: 7.85% · 10-yr

S&P 500 Index

cap

10-yr surrender$100,000+

Cap: 7.85% · 10-yr

MSCI EAFE Index

cap

10-yr surrender$100,000+

Cap: 7.85% · 10-yr

Invesco QQQ Trust Series 1

cap

10-yr surrender$100,000+

Cap: 7.85% · 10-yr

iShares Russell 2000 ETF

cap

10-yr surrender$100,000+

Fixed: 3.85% · 10-yr

Fixed Account

fixed

10-yr surrender$100,000+

Par: 100% + Fixed: 7.25% · 1-yr

S&P 500 Index

trigger

10-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 7.25% · 1-yr

MSCI EAFE Index

trigger

10-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 7.25% · 1-yr

Invesco QQQ Trust Series 1

trigger

10-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 7.25% · 1-yr

iShares Russell 2000 ETF

trigger

10-yr surrenderUp to $99,999.99

Cap: 7.85% · 1-yr

S&P 500 Index

cap

10-yr surrenderUp to $99,999.99

Cap: 7.85% · 1-yr

MSCI EAFE Index

cap

10-yr surrenderUp to $99,999.99

Cap: 7.85% · 1-yr

Invesco QQQ Trust Series 1

cap

10-yr surrenderUp to $99,999.99

Cap: 7.85% · 1-yr

iShares Russell 2000 ETF

cap

10-yr surrenderUp to $99,999.99

Fixed: 4.05% · 1-yr

Fixed Account

fixed

10-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 7.2% · 10-yr

S&P 500 Index

trigger

10-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 7.2% · 10-yr

MSCI EAFE Index

trigger

10-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 7.2% · 10-yr

Invesco QQQ Trust Series 1

trigger

10-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 7.2% · 10-yr

iShares Russell 2000 ETF

trigger

10-yr surrenderUp to $99,999.99

Par: 95% · 10-yr

Barclays Large Cap Intraday VC10 Index

participation

10-yr surrenderUp to $99,999.99

Par: 95% · 10-yr

SG Nasdaq-100 Edge VC10 Index

participation

10-yr surrenderUp to $99,999.99

Cap: 7.1% · 10-yr

S&P 500 Index

cap

10-yr surrenderUp to $99,999.99

Cap: 7.1% · 10-yr

MSCI EAFE Index

cap

10-yr surrenderUp to $99,999.99

Cap: 7.1% · 10-yr

Invesco QQQ Trust Series 1

cap

10-yr surrenderUp to $99,999.99

Cap: 7.1% · 10-yr

iShares Russell 2000 ETF

cap

10-yr surrenderUp to $99,999.99

Fixed: 3.7% · 10-yr

Fixed Account

fixed

10-yr surrenderUp to $99,999.99

Par: 105% · 1-yr

Barclays Large Cap Intraday VC10 Index

PP

$100,000+

Par: 105% · 1-yr

SG Nasdaq-100 Edge VC10 Index

PP

$100,000+

Par: 100% + Fixed: 7.55% · 1-yr

S&P 500 Index

PT

$100,000+

Par: 100% + Fixed: 7.55% · 1-yr

MSCI EAFE Index

PT

$100,000+

Par: 100% + Fixed: 7.55% · 1-yr

Invesco QQQ Trust Series 1

PT

$100,000+

Par: 100% + Fixed: 7.55% · 1-yr

iShares Russell 2000 ETF

PT

$100,000+

Cap: 8.5% · 1-yr

S&P 500 Index

PP

$100,000+

Cap: 8.5% · 1-yr

MSCI EAFE Index

PP

$100,000+

Cap: 8.5% · 1-yr

Invesco QQQ Trust Series 1

PP

$100,000+

Cap: 8.5% · 1-yr

iShares Russell 2000 ETF

PP

$100,000+

Fixed: 4% · 1-yr

Fixed Account

FX

$100,000+

Par: 100% + Fixed: 7.65% · 1-yr

S&P 500 Index

PT

$100,000+

Par: 100% + Fixed: 7.65% · 1-yr

MSCI EAFE Index

PT

$100,000+

Par: 100% + Fixed: 7.65% · 1-yr

Invesco QQQ Trust Series 1

PT

$100,000+

Par: 100% + Fixed: 7.65% · 1-yr

iShares Russell 2000 ETF

PT

$100,000+

Cap: 8.55% · 1-yr

S&P 500 Index

PP

$100,000+

Cap: 8.55% · 1-yr

MSCI EAFE Index

PP

$100,000+

Cap: 8.55% · 1-yr

Invesco QQQ Trust Series 1

PP

$100,000+

Cap: 8.55% · 1-yr

iShares Russell 2000 ETF

PP

$100,000+

Fixed: 4.1% · 1-yr

Fixed Account

FX

$100,000+

Par: 100% + Fixed: 7.75% · 1-yr

S&P 500 Index

PT

$100,000+

Par: 100% + Fixed: 7.75% · 1-yr

MSCI EAFE Index

PT

$100,000+

Par: 100% + Fixed: 7.75% · 1-yr

Invesco QQQ Trust Series 1

PT

$100,000+

Par: 100% + Fixed: 7.75% · 1-yr

iShares Russell 2000 ETF

PT

$100,000+

Cap: 8.6% · 1-yr

S&P 500 Index

PP

$100,000+

Cap: 8.6% · 1-yr

MSCI EAFE Index

PP

$100,000+

Cap: 8.6% · 1-yr

Invesco QQQ Trust Series 1

PP

$100,000+

Cap: 8.6% · 1-yr

iShares Russell 2000 ETF

PP

$100,000+

Fixed: 4.2% · 1-yr

Fixed Account

FX

$100,000+

Par: 100% · 5-yr

Barclays Large Cap Intraday VC10 Index

PP

$100,000+

Par: 100% · 5-yr

SG Nasdaq-100 Edge VC10 Index

PP

$100,000+

Par: 100% + Fixed: 7.5% · 5-yr

S&P 500 Index

PT

$100,000+

Par: 100% + Fixed: 7.5% · 5-yr

MSCI EAFE Index

PT

$100,000+

Par: 100% + Fixed: 7.5% · 5-yr

Invesco QQQ Trust Series 1

PT

$100,000+

Par: 100% + Fixed: 7.5% · 5-yr

iShares Russell 2000 ETF

PT

$100,000+

Cap: 7.75% · 5-yr

S&P 500 Index

PP

$100,000+

Cap: 7.75% · 5-yr

MSCI EAFE Index

PP

$100,000+

Cap: 7.75% · 5-yr

Invesco QQQ Trust Series 1

PP

$100,000+

Cap: 7.75% · 5-yr

iShares Russell 2000 ETF

PP

$100,000+

Fixed: 3.75% · 5-yr

Fixed Account

FX

$100,000+

Par: 100% · 7-yr

Barclays Large Cap Intraday VC10 Index

PP

$100,000+

Par: 100% · 7-yr

SG Nasdaq-100 Edge VC10 Index

PP

$100,000+

Par: 100% + Fixed: 7.55% · 7-yr

S&P 500 Index

PT

$100,000+

Par: 100% + Fixed: 7.55% · 7-yr

MSCI EAFE Index

PT

$100,000+

Par: 100% + Fixed: 7.55% · 7-yr

Invesco QQQ Trust Series 1

PT

$100,000+

Par: 100% + Fixed: 7.55% · 7-yr

iShares Russell 2000 ETF

PT

$100,000+

Cap: 7.8% · 7-yr

S&P 500 Index

PP

$100,000+

Cap: 7.8% · 7-yr

MSCI EAFE Index

PP

$100,000+

Cap: 7.8% · 7-yr

Invesco QQQ Trust Series 1

PP

$100,000+

Cap: 7.8% · 7-yr

iShares Russell 2000 ETF

PP

$100,000+

Fixed: 3.8% · 7-yr

Fixed Account

FX

$100,000+

Par: 100% · 9-yr

Barclays Large Cap Intraday VC10 Index

PP

$100,000+

Par: 100% · 9-yr

SG Nasdaq-100 Edge VC10 Index

PP

$100,000+

Par: 100% + Fixed: 7.7% · 9-yr

S&P 500 Index

PT

$100,000+

Par: 100% + Fixed: 7.7% · 9-yr

MSCI EAFE Index

PT

$100,000+

Par: 100% + Fixed: 7.7% · 9-yr

Invesco QQQ Trust Series 1

PT

$100,000+

Par: 100% + Fixed: 7.7% · 9-yr

iShares Russell 2000 ETF

PT

$100,000+

Cap: 7.85% · 9-yr

S&P 500 Index

PP

$100,000+

Cap: 7.85% · 9-yr

MSCI EAFE Index

PP

$100,000+

Cap: 7.85% · 9-yr

Invesco QQQ Trust Series 1

PP

$100,000+

Cap: 7.85% · 9-yr

iShares Russell 2000 ETF

PP

$100,000+

Fixed: 3.85% · 9-yr

Fixed Account

FX

$100,000+

Par: 100% · 1-yr

Barclays Large Cap Intraday VC10 Index

PP

Up to $99,999.99

Par: 100% · 1-yr

SG Nasdaq-100 Edge VC10 Index

PP

Up to $99,999.99

Par: 100% + Fixed: 7.05% · 1-yr

S&P 500 Index

PT

Up to $99,999.99

Par: 100% + Fixed: 7.05% · 1-yr

MSCI EAFE Index

PT

Up to $99,999.99

Par: 100% + Fixed: 7.05% · 1-yr

Invesco QQQ Trust Series 1

PT

Up to $99,999.99

Par: 100% + Fixed: 7.05% · 1-yr

iShares Russell 2000 ETF

PT

Up to $99,999.99

Cap: 7.75% · 1-yr

S&P 500 Index

PP

Up to $99,999.99

Cap: 7.75% · 1-yr

MSCI EAFE Index

PP

Up to $99,999.99

Cap: 7.75% · 1-yr

Invesco QQQ Trust Series 1

PP

Up to $99,999.99

Cap: 7.75% · 1-yr

iShares Russell 2000 ETF

PP

Up to $99,999.99

Fixed: 3.85% · 1-yr

Fixed Account

FX

Up to $99,999.99

Par: 100% + Fixed: 7.15% · 1-yr

S&P 500 Index

PT

Up to $99,999.99

Par: 100% + Fixed: 7.15% · 1-yr

MSCI EAFE Index

PT

Up to $99,999.99

Par: 100% + Fixed: 7.15% · 1-yr

Invesco QQQ Trust Series 1

PT

Up to $99,999.99

Par: 100% + Fixed: 7.15% · 1-yr

iShares Russell 2000 ETF

PT

Up to $99,999.99

Cap: 7.8% · 1-yr

S&P 500 Index

PP

Up to $99,999.99

Cap: 7.8% · 1-yr

MSCI EAFE Index

PP

Up to $99,999.99

Cap: 7.8% · 1-yr

Invesco QQQ Trust Series 1

PP

Up to $99,999.99

Cap: 7.8% · 1-yr

iShares Russell 2000 ETF

PP

Up to $99,999.99

Fixed: 3.95% · 1-yr

Fixed Account

FX

Up to $99,999.99

Par: 100% + Fixed: 7.25% · 1-yr

S&P 500 Index

PT

Up to $99,999.99

Par: 100% + Fixed: 7.25% · 1-yr

MSCI EAFE Index

PT

Up to $99,999.99

Par: 100% + Fixed: 7.25% · 1-yr

Invesco QQQ Trust Series 1

PT

Up to $99,999.99

Par: 100% + Fixed: 7.25% · 1-yr

iShares Russell 2000 ETF

PT

Up to $99,999.99

Cap: 7.85% · 1-yr

S&P 500 Index

PP

Up to $99,999.99

Cap: 7.85% · 1-yr

MSCI EAFE Index

PP

Up to $99,999.99

Cap: 7.85% · 1-yr

Invesco QQQ Trust Series 1

PP

Up to $99,999.99

Cap: 7.85% · 1-yr

iShares Russell 2000 ETF

PP

Up to $99,999.99

Fixed: 4.05% · 1-yr

Fixed Account

FX

Up to $99,999.99

Par: 100% + Fixed: 7% · 5-yr

S&P 500 Index

PT

Up to $99,999.99

Par: 100% + Fixed: 7% · 5-yr

MSCI EAFE Index

PT

Up to $99,999.99

Par: 100% + Fixed: 7% · 5-yr

Invesco QQQ Trust Series 1

PT

Up to $99,999.99

Par: 100% + Fixed: 7% · 5-yr

iShares Russell 2000 ETF

PT

Up to $99,999.99

Par: 95% · 5-yr

Barclays Large Cap Intraday VC10 Index

PP

Up to $99,999.99

Par: 95% · 5-yr

SG Nasdaq-100 Edge VC10 Index

PP

Up to $99,999.99

Cap: 7% · 5-yr

S&P 500 Index

PP

Up to $99,999.99

Cap: 7% · 5-yr

MSCI EAFE Index

PP

Up to $99,999.99

Cap: 7% · 5-yr

Invesco QQQ Trust Series 1

PP

Up to $99,999.99

Cap: 7% · 5-yr

iShares Russell 2000 ETF

PP

Up to $99,999.99

Fixed: 3.6% · 5-yr

Fixed Account

FX

Up to $99,999.99

Par: 100% + Fixed: 7.05% · 7-yr

S&P 500 Index

PT

Up to $99,999.99

Par: 100% + Fixed: 7.05% · 7-yr

MSCI EAFE Index

PT

Up to $99,999.99

Par: 100% + Fixed: 7.05% · 7-yr

Invesco QQQ Trust Series 1

PT

Up to $99,999.99

Par: 100% + Fixed: 7.05% · 7-yr

iShares Russell 2000 ETF

PT

Up to $99,999.99

Par: 95% · 7-yr

Barclays Large Cap Intraday VC10 Index

PP

Up to $99,999.99

Par: 95% · 7-yr

SG Nasdaq-100 Edge VC10 Index

PP

Up to $99,999.99

Cap: 7.05% · 7-yr

S&P 500 Index

PP

Up to $99,999.99

Cap: 7.05% · 7-yr

MSCI EAFE Index

PP

Up to $99,999.99

Cap: 7.05% · 7-yr

Invesco QQQ Trust Series 1

PP

Up to $99,999.99

Cap: 7.05% · 7-yr

iShares Russell 2000 ETF

PP

Up to $99,999.99

Fixed: 3.65% · 7-yr

Fixed Account

FX

Up to $99,999.99

Par: 100% + Fixed: 7.2% · 9-yr

S&P 500 Index

PT

Up to $99,999.99

Par: 100% + Fixed: 7.2% · 9-yr

MSCI EAFE Index

PT

Up to $99,999.99

Par: 100% + Fixed: 7.2% · 9-yr

Invesco QQQ Trust Series 1

PT

Up to $99,999.99

Par: 100% + Fixed: 7.2% · 9-yr

iShares Russell 2000 ETF

PT

Up to $99,999.99

Par: 95% · 9-yr

Barclays Large Cap Intraday VC10 Index

PP

Up to $99,999.99

Par: 95% · 9-yr

SG Nasdaq-100 Edge VC10 Index

PP

Up to $99,999.99

Cap: 7.1% · 9-yr

S&P 500 Index

PP

Up to $99,999.99

Cap: 7.1% · 9-yr

MSCI EAFE Index

PP

Up to $99,999.99

Cap: 7.1% · 9-yr

Invesco QQQ Trust Series 1

PP

Up to $99,999.99

Cap: 7.1% · 9-yr

iShares Russell 2000 ETF

PP

Up to $99,999.99

Fixed: 3.7% · 9-yr

Fixed Account

FX

Up to $99,999.99

Product analyst notes

How to think about this contract

Why it can stand out

  • Multiple guarantee-period cadences — one-, five-, seven-, and ten-year — are offered inside the same contract on the S&P 500 cap strategy, so a buyer can pick a short crediting window for tactical reallocation or a long one for a richer cap, all inside one filing.
  • Expanded crediting menu over the original Pacific Index Foundation — proprietary participation-rate strategies sit alongside the recognizable S&P 500 and MSCI EAFE cap and participation forms, so a buyer gets both like-for-like comparison points and broader allocation buckets inside one contract.
  • 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.
  • The strategy-protection floor publishes contractual minimums on cap, declared, and fixed rates, so the downside posture of the contract is visible from the published terms rather than inferred from marketing language.

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.
  • Many of the crediting strategies on this menu are participation-rate options on proprietary volatility-controlled indexes — their headline participation rates can look high in absolute terms but are not directly comparable to an S&P 500 cap at the same nominal rate. Evaluate each strategy on its own index methodology, not on participation rate alone.
  • 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.
  • Surrender lockup runs nine years on the current published schedule; 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, need short-surrender liquidity, or want to use proprietary-index participation rates as a direct comparison against S&P 500 caps on competing FIAs — those are not what this contract is built to deliver.

Free Comparison Report

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See how Pacific Index Foundation 2 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 (248 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: 105% · 1-yr

Barclays Large Cap Intraday VC10 Index

participation

5-yr surrender$100,000+

Par: 105% · 1-yr

SG Nasdaq-100 Edge VC10 Index

participation

5-yr surrender$100,000+

Par: 100% + Fixed: 7.55% · 1-yr

S&P 500 Index

trigger

5-yr surrender$100,000+

Par: 100% + Fixed: 7.55% · 1-yr

MSCI EAFE Index

trigger

5-yr surrender$100,000+

Par: 100% + Fixed: 7.55% · 1-yr

Invesco QQQ Trust Series 1

trigger

5-yr surrender$100,000+

Par: 100% + Fixed: 7.55% · 1-yr

iShares Russell 2000 ETF

trigger

5-yr surrender$100,000+

Cap: 8.5% · 1-yr

S&P 500 Index

cap

5-yr surrender$100,000+

Cap: 8.5% · 1-yr

MSCI EAFE Index

cap

5-yr surrender$100,000+

Cap: 8.5% · 1-yr

Invesco QQQ Trust Series 1

cap

5-yr surrender$100,000+

Cap: 8.5% · 1-yr

iShares Russell 2000 ETF

cap

5-yr surrender$100,000+

Fixed: 4% · 1-yr

Fixed Account

fixed

5-yr surrender$100,000+

Par: 100% + Fixed: 7.5% · 5-yr

MSCI EAFE Index

trigger

5-yr surrender$100,000+

Par: 100% + Fixed: 7.5% · 5-yr

S&P 500 Index

trigger

5-yr surrender$100,000+

Par: 100% · 5-yr

Barclays Large Cap Intraday VC10 Index

participation

5-yr surrender$100,000+

Par: 100% · 5-yr

SG Nasdaq-100 Edge VC10 Index

participation

5-yr surrender$100,000+

Par: 100% + Fixed: 7.5% · 5-yr

Invesco QQQ Trust Series 1

trigger

5-yr surrender$100,000+

Par: 100% + Fixed: 7.5% · 5-yr

iShares Russell 2000 ETF

trigger

5-yr surrender$100,000+

Cap: 7.75% · 5-yr

MSCI EAFE Index

cap

5-yr surrender$100,000+

Cap: 7.75% · 5-yr

S&P 500 Index

cap

5-yr surrender$100,000+

Cap: 7.75% · 5-yr

Invesco QQQ Trust Series 1

cap

5-yr surrender$100,000+

Cap: 7.75% · 5-yr

iShares Russell 2000 ETF

cap

5-yr surrender$100,000+

Fixed: 3.75% · 5-yr

Fixed Account

fixed

5-yr surrender$100,000+

Par: 100% · 1-yr

Barclays Large Cap Intraday VC10 Index

participation

5-yr surrenderUp to $99,999.99

Par: 100% · 1-yr

SG Nasdaq-100 Edge VC10 Index

participation

5-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 7.05% · 1-yr

S&P 500 Index

trigger

5-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 7.05% · 1-yr

MSCI EAFE Index

trigger

5-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 7.05% · 1-yr

Invesco QQQ Trust Series 1

trigger

5-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 7.05% · 1-yr

iShares Russell 2000 ETF

trigger

5-yr surrenderUp to $99,999.99

Cap: 7.75% · 1-yr

S&P 500 Index

cap

5-yr surrenderUp to $99,999.99

Cap: 7.75% · 1-yr

MSCI EAFE Index

cap

5-yr surrenderUp to $99,999.99

Cap: 7.75% · 1-yr

Invesco QQQ Trust Series 1

cap

5-yr surrenderUp to $99,999.99

Cap: 7.75% · 1-yr

iShares Russell 2000 ETF

cap

5-yr surrenderUp to $99,999.99

Fixed: 3.85% · 1-yr

Fixed Account

fixed

5-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 7% · 5-yr

MSCI EAFE Index

trigger

5-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 7% · 5-yr

S&P 500 Index

trigger

5-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 7% · 5-yr

Invesco QQQ Trust Series 1

trigger

5-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 7% · 5-yr

iShares Russell 2000 ETF

trigger

5-yr surrenderUp to $99,999.99

Par: 95% · 5-yr

Barclays Large Cap Intraday VC10 Index

participation

5-yr surrenderUp to $99,999.99

Par: 95% · 5-yr

SG Nasdaq-100 Edge VC10 Index

participation

5-yr surrenderUp to $99,999.99

Cap: 7% · 5-yr

MSCI EAFE Index

cap

5-yr surrenderUp to $99,999.99

Cap: 7% · 5-yr

S&P 500 Index

cap

5-yr surrenderUp to $99,999.99

Cap: 7% · 5-yr

Invesco QQQ Trust Series 1

cap

5-yr surrenderUp to $99,999.99

Cap: 7% · 5-yr

iShares Russell 2000 ETF

cap

5-yr surrenderUp to $99,999.99

Fixed: 3.6% · 5-yr

Fixed Account

fixed

5-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 7.65% · 1-yr

S&P 500 Index

trigger

7-yr surrender$100,000+

Par: 100% + Fixed: 7.65% · 1-yr

MSCI EAFE Index

trigger

7-yr surrender$100,000+

Par: 100% + Fixed: 7.65% · 1-yr

Invesco QQQ Trust Series 1

trigger

7-yr surrender$100,000+

Par: 100% + Fixed: 7.65% · 1-yr

iShares Russell 2000 ETF

trigger

7-yr surrender$100,000+

Cap: 8.55% · 1-yr

S&P 500 Index

cap

7-yr surrender$100,000+

Cap: 8.55% · 1-yr

MSCI EAFE Index

cap

7-yr surrender$100,000+

Cap: 8.55% · 1-yr

Invesco QQQ Trust Series 1

cap

7-yr surrender$100,000+

Cap: 8.55% · 1-yr

iShares Russell 2000 ETF

cap

7-yr surrender$100,000+

Fixed: 4.1% · 1-yr

Fixed Account

fixed

7-yr surrender$100,000+

Par: 100% · 7-yr

Barclays Large Cap Intraday VC10 Index

participation

7-yr surrender$100,000+

Par: 100% · 7-yr

SG Nasdaq-100 Edge VC10 Index

participation

7-yr surrender$100,000+

Par: 100% + Fixed: 7.55% · 7-yr

S&P 500 Index

trigger

7-yr surrender$100,000+

Par: 100% + Fixed: 7.55% · 7-yr

MSCI EAFE Index

trigger

7-yr surrender$100,000+

Par: 100% + Fixed: 7.55% · 7-yr

Invesco QQQ Trust Series 1

trigger

7-yr surrender$100,000+

Par: 100% + Fixed: 7.55% · 7-yr

iShares Russell 2000 ETF

trigger

7-yr surrender$100,000+

Cap: 7.8% · 7-yr

S&P 500 Index

cap

7-yr surrender$100,000+

Cap: 7.8% · 7-yr

MSCI EAFE Index

cap

7-yr surrender$100,000+

Cap: 7.8% · 7-yr

Invesco QQQ Trust Series 1

cap

7-yr surrender$100,000+

Cap: 7.8% · 7-yr

iShares Russell 2000 ETF

cap

7-yr surrender$100,000+

Fixed: 3.8% · 7-yr

Fixed Account

fixed

7-yr surrender$100,000+

Par: 100% + Fixed: 7.15% · 1-yr

S&P 500 Index

trigger

7-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 7.15% · 1-yr

MSCI EAFE Index

trigger

7-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 7.15% · 1-yr

Invesco QQQ Trust Series 1

trigger

7-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 7.15% · 1-yr

iShares Russell 2000 ETF

trigger

7-yr surrenderUp to $99,999.99

Cap: 7.8% · 1-yr

S&P 500 Index

cap

7-yr surrenderUp to $99,999.99

Cap: 7.8% · 1-yr

MSCI EAFE Index

cap

7-yr surrenderUp to $99,999.99

Cap: 7.8% · 1-yr

Invesco QQQ Trust Series 1

cap

7-yr surrenderUp to $99,999.99

Cap: 7.8% · 1-yr

iShares Russell 2000 ETF

cap

7-yr surrenderUp to $99,999.99

Fixed: 3.95% · 1-yr

Fixed Account

fixed

7-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 7.05% · 7-yr

S&P 500 Index

trigger

7-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 7.05% · 7-yr

MSCI EAFE Index

trigger

7-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 7.05% · 7-yr

Invesco QQQ Trust Series 1

trigger

7-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 7.05% · 7-yr

iShares Russell 2000 ETF

trigger

7-yr surrenderUp to $99,999.99

Par: 95% · 7-yr

Barclays Large Cap Intraday VC10 Index

participation

7-yr surrenderUp to $99,999.99

Par: 95% · 7-yr

SG Nasdaq-100 Edge VC10 Index

participation

7-yr surrenderUp to $99,999.99

Cap: 7.05% · 7-yr

S&P 500 Index

cap

7-yr surrenderUp to $99,999.99

Cap: 7.05% · 7-yr

MSCI EAFE Index

cap

7-yr surrenderUp to $99,999.99

Cap: 7.05% · 7-yr

Invesco QQQ Trust Series 1

cap

7-yr surrenderUp to $99,999.99

Cap: 7.05% · 7-yr

iShares Russell 2000 ETF

cap

7-yr surrenderUp to $99,999.99

Fixed: 3.65% · 7-yr

Fixed Account

fixed

7-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 7.75% · 1-yr

S&P 500 Index

trigger

10-yr surrender$100,000+

Par: 100% + Fixed: 7.75% · 1-yr

MSCI EAFE Index

trigger

10-yr surrender$100,000+

Par: 100% + Fixed: 7.75% · 1-yr

Invesco QQQ Trust Series 1

trigger

10-yr surrender$100,000+

Par: 100% + Fixed: 7.75% · 1-yr

iShares Russell 2000 ETF

trigger

10-yr surrender$100,000+

Cap: 8.6% · 1-yr

S&P 500 Index

cap

10-yr surrender$100,000+

Cap: 8.6% · 1-yr

MSCI EAFE Index

cap

10-yr surrender$100,000+

Cap: 8.6% · 1-yr

Invesco QQQ Trust Series 1

cap

10-yr surrender$100,000+

Cap: 8.6% · 1-yr

iShares Russell 2000 ETF

cap

10-yr surrender$100,000+

Fixed: 4.2% · 1-yr

Fixed Account

fixed

10-yr surrender$100,000+

Par: 100% · 10-yr

Barclays Large Cap Intraday VC10 Index

participation

10-yr surrender$100,000+

Par: 100% · 10-yr

SG Nasdaq-100 Edge VC10 Index

participation

10-yr surrender$100,000+

Par: 100% + Fixed: 7.7% · 10-yr

S&P 500 Index

trigger

10-yr surrender$100,000+

Par: 100% + Fixed: 7.7% · 10-yr

MSCI EAFE Index

trigger

10-yr surrender$100,000+

Par: 100% + Fixed: 7.7% · 10-yr

Invesco QQQ Trust Series 1

trigger

10-yr surrender$100,000+

Par: 100% + Fixed: 7.7% · 10-yr

iShares Russell 2000 ETF

trigger

10-yr surrender$100,000+

Cap: 7.85% · 10-yr

S&P 500 Index

cap

10-yr surrender$100,000+

Cap: 7.85% · 10-yr

MSCI EAFE Index

cap

10-yr surrender$100,000+

Cap: 7.85% · 10-yr

Invesco QQQ Trust Series 1

cap

10-yr surrender$100,000+

Cap: 7.85% · 10-yr

iShares Russell 2000 ETF

cap

10-yr surrender$100,000+

Fixed: 3.85% · 10-yr

Fixed Account

fixed

10-yr surrender$100,000+

Par: 100% + Fixed: 7.25% · 1-yr

S&P 500 Index

trigger

10-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 7.25% · 1-yr

MSCI EAFE Index

trigger

10-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 7.25% · 1-yr

Invesco QQQ Trust Series 1

trigger

10-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 7.25% · 1-yr

iShares Russell 2000 ETF

trigger

10-yr surrenderUp to $99,999.99

Cap: 7.85% · 1-yr

S&P 500 Index

cap

10-yr surrenderUp to $99,999.99

Cap: 7.85% · 1-yr

MSCI EAFE Index

cap

10-yr surrenderUp to $99,999.99

Cap: 7.85% · 1-yr

Invesco QQQ Trust Series 1

cap

10-yr surrenderUp to $99,999.99

Cap: 7.85% · 1-yr

iShares Russell 2000 ETF

cap

10-yr surrenderUp to $99,999.99

Fixed: 4.05% · 1-yr

Fixed Account

fixed

10-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 7.2% · 10-yr

S&P 500 Index

trigger

10-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 7.2% · 10-yr

MSCI EAFE Index

trigger

10-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 7.2% · 10-yr

Invesco QQQ Trust Series 1

trigger

10-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 7.2% · 10-yr

iShares Russell 2000 ETF

trigger

10-yr surrenderUp to $99,999.99

Par: 95% · 10-yr

Barclays Large Cap Intraday VC10 Index

participation

10-yr surrenderUp to $99,999.99

Par: 95% · 10-yr

SG Nasdaq-100 Edge VC10 Index

participation

10-yr surrenderUp to $99,999.99

Cap: 7.1% · 10-yr

S&P 500 Index

cap

10-yr surrenderUp to $99,999.99

Cap: 7.1% · 10-yr

MSCI EAFE Index

cap

10-yr surrenderUp to $99,999.99

Cap: 7.1% · 10-yr

Invesco QQQ Trust Series 1

cap

10-yr surrenderUp to $99,999.99

Cap: 7.1% · 10-yr

iShares Russell 2000 ETF

cap

10-yr surrenderUp to $99,999.99

Fixed: 3.7% · 10-yr

Fixed Account

fixed

10-yr surrenderUp to $99,999.99

Par: 105% · 1-yr

Barclays Large Cap Intraday VC10 Index

PP

$100,000+

Par: 105% · 1-yr

SG Nasdaq-100 Edge VC10 Index

PP

$100,000+

Par: 100% + Fixed: 7.55% · 1-yr

S&P 500 Index

PT

$100,000+

Par: 100% + Fixed: 7.55% · 1-yr

MSCI EAFE Index

PT

$100,000+

Par: 100% + Fixed: 7.55% · 1-yr

Invesco QQQ Trust Series 1

PT

$100,000+

Par: 100% + Fixed: 7.55% · 1-yr

iShares Russell 2000 ETF

PT

$100,000+

Cap: 8.5% · 1-yr

S&P 500 Index

PP

$100,000+

Cap: 8.5% · 1-yr

MSCI EAFE Index

PP

$100,000+

Cap: 8.5% · 1-yr

Invesco QQQ Trust Series 1

PP

$100,000+

Cap: 8.5% · 1-yr

iShares Russell 2000 ETF

PP

$100,000+

Fixed: 4% · 1-yr

Fixed Account

FX

$100,000+

Par: 100% + Fixed: 7.65% · 1-yr

S&P 500 Index

PT

$100,000+

Par: 100% + Fixed: 7.65% · 1-yr

MSCI EAFE Index

PT

$100,000+

Par: 100% + Fixed: 7.65% · 1-yr

Invesco QQQ Trust Series 1

PT

$100,000+

Par: 100% + Fixed: 7.65% · 1-yr

iShares Russell 2000 ETF

PT

$100,000+

Cap: 8.55% · 1-yr

S&P 500 Index

PP

$100,000+

Cap: 8.55% · 1-yr

MSCI EAFE Index

PP

$100,000+

Cap: 8.55% · 1-yr

Invesco QQQ Trust Series 1

PP

$100,000+

Cap: 8.55% · 1-yr

iShares Russell 2000 ETF

PP

$100,000+

Fixed: 4.1% · 1-yr

Fixed Account

FX

$100,000+

Par: 100% + Fixed: 7.75% · 1-yr

S&P 500 Index

PT

$100,000+

Par: 100% + Fixed: 7.75% · 1-yr

MSCI EAFE Index

PT

$100,000+

Par: 100% + Fixed: 7.75% · 1-yr

Invesco QQQ Trust Series 1

PT

$100,000+

Par: 100% + Fixed: 7.75% · 1-yr

iShares Russell 2000 ETF

PT

$100,000+

Cap: 8.6% · 1-yr

S&P 500 Index

PP

$100,000+

Cap: 8.6% · 1-yr

MSCI EAFE Index

PP

$100,000+

Cap: 8.6% · 1-yr

Invesco QQQ Trust Series 1

PP

$100,000+

Cap: 8.6% · 1-yr

iShares Russell 2000 ETF

PP

$100,000+

Fixed: 4.2% · 1-yr

Fixed Account

FX

$100,000+

Par: 100% · 5-yr

Barclays Large Cap Intraday VC10 Index

PP

$100,000+

Par: 100% · 5-yr

SG Nasdaq-100 Edge VC10 Index

PP

$100,000+

Par: 100% + Fixed: 7.5% · 5-yr

S&P 500 Index

PT

$100,000+

Par: 100% + Fixed: 7.5% · 5-yr

MSCI EAFE Index

PT

$100,000+

Par: 100% + Fixed: 7.5% · 5-yr

Invesco QQQ Trust Series 1

PT

$100,000+

Par: 100% + Fixed: 7.5% · 5-yr

iShares Russell 2000 ETF

PT

$100,000+

Cap: 7.75% · 5-yr

S&P 500 Index

PP

$100,000+

Cap: 7.75% · 5-yr

MSCI EAFE Index

PP

$100,000+

Cap: 7.75% · 5-yr

Invesco QQQ Trust Series 1

PP

$100,000+

Cap: 7.75% · 5-yr

iShares Russell 2000 ETF

PP

$100,000+

Fixed: 3.75% · 5-yr

Fixed Account

FX

$100,000+

Par: 100% · 7-yr

Barclays Large Cap Intraday VC10 Index

PP

$100,000+

Par: 100% · 7-yr

SG Nasdaq-100 Edge VC10 Index

PP

$100,000+

Par: 100% + Fixed: 7.55% · 7-yr

S&P 500 Index

PT

$100,000+

Par: 100% + Fixed: 7.55% · 7-yr

MSCI EAFE Index

PT

$100,000+

Par: 100% + Fixed: 7.55% · 7-yr

Invesco QQQ Trust Series 1

PT

$100,000+

Par: 100% + Fixed: 7.55% · 7-yr

iShares Russell 2000 ETF

PT

$100,000+

Cap: 7.8% · 7-yr

S&P 500 Index

PP

$100,000+

Cap: 7.8% · 7-yr

MSCI EAFE Index

PP

$100,000+

Cap: 7.8% · 7-yr

Invesco QQQ Trust Series 1

PP

$100,000+

Cap: 7.8% · 7-yr

iShares Russell 2000 ETF

PP

$100,000+

Fixed: 3.8% · 7-yr

Fixed Account

FX

$100,000+

Par: 100% · 9-yr

Barclays Large Cap Intraday VC10 Index

PP

$100,000+

Par: 100% · 9-yr

SG Nasdaq-100 Edge VC10 Index

PP

$100,000+

Par: 100% + Fixed: 7.7% · 9-yr

S&P 500 Index

PT

$100,000+

Par: 100% + Fixed: 7.7% · 9-yr

MSCI EAFE Index

PT

$100,000+

Par: 100% + Fixed: 7.7% · 9-yr

Invesco QQQ Trust Series 1

PT

$100,000+

Par: 100% + Fixed: 7.7% · 9-yr

iShares Russell 2000 ETF

PT

$100,000+

Cap: 7.85% · 9-yr

S&P 500 Index

PP

$100,000+

Cap: 7.85% · 9-yr

MSCI EAFE Index

PP

$100,000+

Cap: 7.85% · 9-yr

Invesco QQQ Trust Series 1

PP

$100,000+

Cap: 7.85% · 9-yr

iShares Russell 2000 ETF

PP

$100,000+

Fixed: 3.85% · 9-yr

Fixed Account

FX

$100,000+

Par: 100% · 1-yr

Barclays Large Cap Intraday VC10 Index

PP

Up to $99,999.99

Par: 100% · 1-yr

SG Nasdaq-100 Edge VC10 Index

PP

Up to $99,999.99

Par: 100% + Fixed: 7.05% · 1-yr

S&P 500 Index

PT

Up to $99,999.99

Par: 100% + Fixed: 7.05% · 1-yr

MSCI EAFE Index

PT

Up to $99,999.99

Par: 100% + Fixed: 7.05% · 1-yr

Invesco QQQ Trust Series 1

PT

Up to $99,999.99

Par: 100% + Fixed: 7.05% · 1-yr

iShares Russell 2000 ETF

PT

Up to $99,999.99

Cap: 7.75% · 1-yr

S&P 500 Index

PP

Up to $99,999.99

Cap: 7.75% · 1-yr

MSCI EAFE Index

PP

Up to $99,999.99

Cap: 7.75% · 1-yr

Invesco QQQ Trust Series 1

PP

Up to $99,999.99

Cap: 7.75% · 1-yr

iShares Russell 2000 ETF

PP

Up to $99,999.99

Fixed: 3.85% · 1-yr

Fixed Account

FX

Up to $99,999.99

Par: 100% + Fixed: 7.15% · 1-yr

S&P 500 Index

PT

Up to $99,999.99

Par: 100% + Fixed: 7.15% · 1-yr

MSCI EAFE Index

PT

Up to $99,999.99

Par: 100% + Fixed: 7.15% · 1-yr

Invesco QQQ Trust Series 1

PT

Up to $99,999.99

Par: 100% + Fixed: 7.15% · 1-yr

iShares Russell 2000 ETF

PT

Up to $99,999.99

Cap: 7.8% · 1-yr

S&P 500 Index

PP

Up to $99,999.99

Cap: 7.8% · 1-yr

MSCI EAFE Index

PP

Up to $99,999.99

Cap: 7.8% · 1-yr

Invesco QQQ Trust Series 1

PP

Up to $99,999.99

Cap: 7.8% · 1-yr

iShares Russell 2000 ETF

PP

Up to $99,999.99

Fixed: 3.95% · 1-yr

Fixed Account

FX

Up to $99,999.99

Par: 100% + Fixed: 7.25% · 1-yr

S&P 500 Index

PT

Up to $99,999.99

Par: 100% + Fixed: 7.25% · 1-yr

MSCI EAFE Index

PT

Up to $99,999.99

Par: 100% + Fixed: 7.25% · 1-yr

Invesco QQQ Trust Series 1

PT

Up to $99,999.99

Par: 100% + Fixed: 7.25% · 1-yr

iShares Russell 2000 ETF

PT

Up to $99,999.99

Cap: 7.85% · 1-yr

S&P 500 Index

PP

Up to $99,999.99

Cap: 7.85% · 1-yr

MSCI EAFE Index

PP

Up to $99,999.99

Cap: 7.85% · 1-yr

Invesco QQQ Trust Series 1

PP

Up to $99,999.99

Cap: 7.85% · 1-yr

iShares Russell 2000 ETF

PP

Up to $99,999.99

Fixed: 4.05% · 1-yr

Fixed Account

FX

Up to $99,999.99

Par: 100% + Fixed: 7% · 5-yr

S&P 500 Index

PT

Up to $99,999.99

Par: 100% + Fixed: 7% · 5-yr

MSCI EAFE Index

PT

Up to $99,999.99

Par: 100% + Fixed: 7% · 5-yr

Invesco QQQ Trust Series 1

PT

Up to $99,999.99

Par: 100% + Fixed: 7% · 5-yr

iShares Russell 2000 ETF

PT

Up to $99,999.99

Par: 95% · 5-yr

Barclays Large Cap Intraday VC10 Index

PP

Up to $99,999.99

Par: 95% · 5-yr

SG Nasdaq-100 Edge VC10 Index

PP

Up to $99,999.99

Cap: 7% · 5-yr

S&P 500 Index

PP

Up to $99,999.99

Cap: 7% · 5-yr

MSCI EAFE Index

PP

Up to $99,999.99

Cap: 7% · 5-yr

Invesco QQQ Trust Series 1

PP

Up to $99,999.99

Cap: 7% · 5-yr

iShares Russell 2000 ETF

PP

Up to $99,999.99

Fixed: 3.6% · 5-yr

Fixed Account

FX

Up to $99,999.99

Par: 100% + Fixed: 7.05% · 7-yr

S&P 500 Index

PT

Up to $99,999.99

Par: 100% + Fixed: 7.05% · 7-yr

MSCI EAFE Index

PT

Up to $99,999.99

Par: 100% + Fixed: 7.05% · 7-yr

Invesco QQQ Trust Series 1

PT

Up to $99,999.99

Par: 100% + Fixed: 7.05% · 7-yr

iShares Russell 2000 ETF

PT

Up to $99,999.99

Par: 95% · 7-yr

Barclays Large Cap Intraday VC10 Index

PP

Up to $99,999.99

Par: 95% · 7-yr

SG Nasdaq-100 Edge VC10 Index

PP

Up to $99,999.99

Cap: 7.05% · 7-yr

S&P 500 Index

PP

Up to $99,999.99

Cap: 7.05% · 7-yr

MSCI EAFE Index

PP

Up to $99,999.99

Cap: 7.05% · 7-yr

Invesco QQQ Trust Series 1

PP

Up to $99,999.99

Cap: 7.05% · 7-yr

iShares Russell 2000 ETF

PP

Up to $99,999.99

Fixed: 3.65% · 7-yr

Fixed Account

FX

Up to $99,999.99

Par: 100% + Fixed: 7.2% · 9-yr

S&P 500 Index

PT

Up to $99,999.99

Par: 100% + Fixed: 7.2% · 9-yr

MSCI EAFE Index

PT

Up to $99,999.99

Par: 100% + Fixed: 7.2% · 9-yr

Invesco QQQ Trust Series 1

PT

Up to $99,999.99

Par: 100% + Fixed: 7.2% · 9-yr

iShares Russell 2000 ETF

PT

Up to $99,999.99

Par: 95% · 9-yr

Barclays Large Cap Intraday VC10 Index

PP

Up to $99,999.99

Par: 95% · 9-yr

SG Nasdaq-100 Edge VC10 Index

PP

Up to $99,999.99

Cap: 7.1% · 9-yr

S&P 500 Index

PP

Up to $99,999.99

Cap: 7.1% · 9-yr

MSCI EAFE Index

PP

Up to $99,999.99

Cap: 7.1% · 9-yr

Invesco QQQ Trust Series 1

PP

Up to $99,999.99

Cap: 7.1% · 9-yr

iShares Russell 2000 ETF

PP

Up to $99,999.99

Fixed: 3.7% · 9-yr

Fixed Account

FX

Up 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.

Linked review

Pacific Index Foundation 2 review notes

Discover the features, rates, and riders of Pacific Life's Indexed Annuity. Is it the right choice for your retirement goals?

4/5Read review
Review rating details4/5
Financial strength5/5
Return potential4/5
Income and benefits3/5
Free benefits, liquidity, and costs4/5
Transparency and service4/5

CFA take

“The Pacific Life Index Foundation stands out as a relatively conservative and balanced FIA backed by one of the strongest insurers in the industry. In my view, the product’s biggest strength is not necessarily aggressive upside potential, but rather the combination of principal protection, simple index options, strong financial backing, and relatively consumer-friendly contract design. The use of well-known indices like the S&P 500 and MSCI EAFE keeps the product easier to understand compared to many FIAs that rely heavily on complex volatility-controlled or engineered indices. Pacific Life’s strong credit ratings also add an extra layer of comfort for conservative retirees. The product offers fewer indexing and rider customization options compared to some competitors. However, that simplicity can actually work in favor of retirees who prefer transparency over complexity. The optional lifetime income and enhanced death benefit riders add flexibility depending on whether the investor prioritizes income or legacy planning. Overall, I would view the Pacific Life Index Foundation as a dependable, lower-complexity FIA best suited for conservative to moderate-risk retirees who value insurer strength, stability, and straightforward retirement income planning over chasing maximum indexed returns.”

Nikhil Bhauwala

Common questions about Pacific Index Foundation 2

● Can I lose money in Pacific Index Foundation 2?

In a year the index falls, Pacific Index Foundation 2 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.

● How does Pacific Index Foundation 2 compare to other FIAs?

Use "Compare against" in the analyzer to overlay Pacific Index Foundation 2 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: 1.25%

Strategy guarantee

Minimum guaranteed declared rate: 1.00%

Strategy guarantee

Guaranteed minimum interest rate (fixed): 0.50%

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

Surrender schedule not available for this product

A surrender-charge schedule was not returned for this product on this request. Surrender terms often vary by state — confirm with the carrier before purchase.

Documents

product guide

pacific-index-foundation-2-client-guide_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

Pacific Index Foundation 2 currently shows 110 distinct indexed or fixed crediting choices across 264 current rate listings, including S&P 500 Index, with 67 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: 8.5% cap
  • S&P 500 Index: 8.55% cap
  • S&P 500 Index: 8.6% cap

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
  • 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-foundation-2-client-guide_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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