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Rate data refreshes daily from AdvisorWorld and CANNEX carrier feeds. View current rates

Fixed Indexed Annuity

Pacific Index Income

Pacific Life

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5.1%

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 Income 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
$225,468
Est. value at age 80 (Pacific Index Income)
0%
Floor — index losses never reduce value
Pacific Index Income
✦
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 Income's published cap rate (5.1% 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.

Free Comparison Report

Get a Pacific Index Income rate report

See how Pacific Index Income 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 Income

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.

GLWB lifetime payout rate

6.6% lifetime payout

Pacific Index Income is a nine-year-surrender, A+-rated FIA from Pacific Life built around an optional GLWB rider — the Lifetime Income Creator — with a published lifetime withdrawal rate available from issue-age 50, paired with a broad accumulation menu of S&P 500, MSCI EAFE, and proprietary volatility-controlled index strategies in multiple guarantee-period cadences.

1% annual rider feeAdvisorWorld + CANNEX data

Best fit

Buyers in their fifties or older who want lifetime income from a published, optional GLWB rider on an A+-rated carrier, are comfortable with a nine-year deferral and surrender ladder, need RMD-friendly rider income for qualified retirement money, and accept tighter accumulation caps in exchange for the rider's income economics.

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

4.9% cap rate

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

Rate varies by premium band.

S&P 500

S&P 500 Index

5.1% cap rate

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

Rate varies by premium band.

S&P 500

S&P 500 Index

5% cap rate

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

Rate varies by premium band.

S&P 500

S&P 500 Index

4.9% cap rate

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

Rate varies by premium band.

S&P 500

S&P 500 Index

5% cap rate

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

Rate varies by premium band.

S&P 500

S&P 500 Index

5.1% 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 + 3.85% 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 + 4.15% 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 + 4% 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 + 3.85% 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 + 4% 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 + 4.15% declared rate

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

Rate varies by premium band.

S&P 500

S&P 500 Index

4.4% cap rate

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

Rate varies by premium band.

S&P 500

S&P 500 Index

4.4% 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 + 3.5% 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 + 3.5% declared rate

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

Rate varies by premium band.

S&P 500

S&P 500 Index

4.5% cap rate

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

Rate varies by premium band.

S&P 500

S&P 500 Index

4.5% 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 + 3.65% 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 + 3.65% declared rate

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

Rate varies by premium band.

S&P 500

S&P 500 Index

4.6% 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 + 3.8% declared rate

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

Rate varies by premium band.

S&P 500

S&P 500 Index

4.6% 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 + 3.8% declared rate

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

Rate varies by premium band.

Nasdaq-100

SG Nasdaq-100 Edge VC10 Index

60% participation rate

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

Rate varies by premium band.

Nasdaq-100

SG Nasdaq-100 Edge VC10 Index

60% participation rate

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

Rate varies by premium band.

Nasdaq-100

SG Nasdaq-100 Edge VC10 Index

60% participation rate

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

Rate varies by premium band.

Nasdaq-100

SG Nasdaq-100 Edge VC10 Index

60% participation rate

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

Rate varies by premium band.

Nasdaq-100

SG Nasdaq-100 Edge VC10 Index

55% participation rate

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

Rate varies by premium band.

Nasdaq-100

SG Nasdaq-100 Edge VC10 Index

55% participation rate

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

Rate varies by premium band.

Nasdaq-100

SG Nasdaq-100 Edge VC10 Index

55% participation rate

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

Rate varies by premium band.

Nasdaq-100

SG Nasdaq-100 Edge VC10 Index

55% participation rate

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

Rate varies by premium band.

Nasdaq-100

SG Nasdaq-100 Edge VC10 Index

55% participation rate

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

Rate varies by premium band.

Nasdaq-100

SG Nasdaq-100 Edge VC10 Index

55% participation rate

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

Rate varies by premium band.

Fixed Account

Fixed Account

3% declared rate

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

Rate varies by premium band.

Fixed Account

Fixed Account

3.1% declared rate

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

Rate varies by premium band.

Fixed Account

Fixed Account

3.05% declared rate

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

Rate varies by premium band.

Fixed Account

Fixed Account

3% declared rate

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

Rate varies by premium band.

Fixed Account

Fixed Account

3.05% declared rate

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

Rate varies by premium band.

Fixed Account

Fixed Account

3.1% declared rate

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

Rate varies by premium band.

Fixed Account

Fixed Account

2.85% declared rate

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

Rate varies by premium band.

Fixed Account

Fixed Account

2.85% declared rate

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

Rate varies by premium band.

Fixed Account

Fixed Account

2.9% declared rate

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

Rate varies by premium band.

Fixed Account

Fixed Account

2.9% declared rate

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

Rate varies by premium band.

Fixed Account

Fixed Account

2.95% declared rate

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

Rate varies by premium band.

Fixed Account

Fixed Account

2.95% declared rate

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

Rate varies by premium band.

+ 161 volatility-controlled index options (MSCI EAFE, Invesco QQQ, iShares Russell...)
View rate listings (240 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: 3.85% · 1-yr

S&P 500 Index

trigger

5-yr surrender$100,000+

Par: 100% + Fixed: 3.85% · 1-yr

MSCI EAFE Index

trigger

5-yr surrender$100,000+

Par: 100% + Fixed: 3.85% · 1-yr

Invesco QQQ Trust Series 1

trigger

5-yr surrender$100,000+

Par: 100% + Fixed: 3.85% · 1-yr

iShares Russell 2000 ETF

trigger

5-yr surrender$100,000+

Par: 60% · 1-yr

Barclays Large Cap Intraday VC10 Index

participation

5-yr surrender$100,000+

Par: 60% · 1-yr

SG Nasdaq-100 Edge VC10 Index

participation

5-yr surrender$100,000+

Cap: 4.9% · 1-yr

S&P 500 Index

cap

5-yr surrender$100,000+

Cap: 4.9% · 1-yr

MSCI EAFE Index

cap

5-yr surrender$100,000+

Cap: 4.9% · 1-yr

Invesco QQQ Trust Series 1

cap

5-yr surrender$100,000+

Cap: 4.9% · 1-yr

iShares Russell 2000 ETF

cap

5-yr surrender$100,000+

Fixed: 3% · 1-yr

Fixed Account

fixed

5-yr surrender$100,000+

Par: 100% + Fixed: 3.5% · 5-yr

S&P 500 Index

trigger

5-yr surrender$100,000+

Par: 100% + Fixed: 3.5% · 5-yr

MSCI EAFE Index

trigger

5-yr surrender$100,000+

Par: 100% + Fixed: 3.5% · 5-yr

Invesco QQQ Trust Series 1

trigger

5-yr surrender$100,000+

Par: 100% + Fixed: 3.5% · 5-yr

iShares Russell 2000 ETF

trigger

5-yr surrender$100,000+

Par: 55% · 5-yr

Barclays Large Cap Intraday VC10 Index

participation

5-yr surrender$100,000+

Par: 55% · 5-yr

SG Nasdaq-100 Edge VC10 Index

participation

5-yr surrender$100,000+

Cap: 4.4% · 5-yr

S&P 500 Index

cap

5-yr surrender$100,000+

Cap: 4.4% · 5-yr

MSCI EAFE Index

cap

5-yr surrender$100,000+

Cap: 4.4% · 5-yr

Invesco QQQ Trust Series 1

cap

5-yr surrender$100,000+

Cap: 4.4% · 5-yr

iShares Russell 2000 ETF

cap

5-yr surrender$100,000+

Fixed: 2.85% · 5-yr

Fixed Account

fixed

5-yr surrender$100,000+

Par: 100% + Fixed: 3.55% · 1-yr

S&P 500 Index

trigger

5-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 3.55% · 1-yr

MSCI EAFE Index

trigger

5-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 3.55% · 1-yr

Invesco QQQ Trust Series 1

trigger

5-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 3.55% · 1-yr

iShares Russell 2000 ETF

trigger

5-yr surrenderUp to $99,999.99

Par: 55% · 1-yr

Barclays Large Cap Intraday VC10 Index

participation

5-yr surrenderUp to $99,999.99

Par: 55% · 1-yr

SG Nasdaq-100 Edge VC10 Index

participation

5-yr surrenderUp to $99,999.99

Cap: 4.35% · 1-yr

S&P 500 Index

cap

5-yr surrenderUp to $99,999.99

Cap: 4.35% · 1-yr

MSCI EAFE Index

cap

5-yr surrenderUp to $99,999.99

Cap: 4.35% · 1-yr

Invesco QQQ Trust Series 1

cap

5-yr surrenderUp to $99,999.99

Cap: 4.35% · 1-yr

iShares Russell 2000 ETF

cap

5-yr surrenderUp to $99,999.99

Fixed: 2.85% · 1-yr

Fixed Account

fixed

5-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 3.2% · 5-yr

S&P 500 Index

trigger

5-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 3.2% · 5-yr

MSCI EAFE Index

trigger

5-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 3.2% · 5-yr

Invesco QQQ Trust Series 1

trigger

5-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 3.2% · 5-yr

iShares Russell 2000 ETF

trigger

5-yr surrenderUp to $99,999.99

Par: 50% · 5-yr

Barclays Large Cap Intraday VC10 Index

participation

5-yr surrenderUp to $99,999.99

Par: 50% · 5-yr

SG Nasdaq-100 Edge VC10 Index

participation

5-yr surrenderUp to $99,999.99

Cap: 3.85% · 5-yr

S&P 500 Index

cap

5-yr surrenderUp to $99,999.99

Cap: 3.85% · 5-yr

MSCI EAFE Index

cap

5-yr surrenderUp to $99,999.99

Cap: 3.85% · 5-yr

Invesco QQQ Trust Series 1

cap

5-yr surrenderUp to $99,999.99

Cap: 3.85% · 5-yr

iShares Russell 2000 ETF

cap

5-yr surrenderUp to $99,999.99

Fixed: 2.7% · 5-yr

Fixed Account

fixed

5-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 4% · 1-yr

S&P 500 Index

trigger

7-yr surrender$100,000+

Par: 100% + Fixed: 4% · 1-yr

MSCI EAFE Index

trigger

7-yr surrender$100,000+

Par: 100% + Fixed: 4% · 1-yr

Invesco QQQ Trust Series 1

trigger

7-yr surrender$100,000+

Par: 100% + Fixed: 4% · 1-yr

iShares Russell 2000 ETF

trigger

7-yr surrender$100,000+

Cap: 5% · 1-yr

S&P 500 Index

cap

7-yr surrender$100,000+

Cap: 5% · 1-yr

MSCI EAFE Index

cap

7-yr surrender$100,000+

Cap: 5% · 1-yr

Invesco QQQ Trust Series 1

cap

7-yr surrender$100,000+

Cap: 5% · 1-yr

iShares Russell 2000 ETF

cap

7-yr surrender$100,000+

Fixed: 3.05% · 1-yr

Fixed Account

fixed

7-yr surrender$100,000+

Par: 100% + Fixed: 3.65% · 7-yr

S&P 500 Index

trigger

7-yr surrender$100,000+

Par: 100% + Fixed: 3.65% · 7-yr

MSCI EAFE Index

trigger

7-yr surrender$100,000+

Par: 100% + Fixed: 3.65% · 7-yr

Invesco QQQ Trust Series 1

trigger

7-yr surrender$100,000+

Par: 100% + Fixed: 3.65% · 7-yr

iShares Russell 2000 ETF

trigger

7-yr surrender$100,000+

Par: 55% · 7-yr

Barclays Large Cap Intraday VC10 Index

participation

7-yr surrender$100,000+

Par: 55% · 7-yr

SG Nasdaq-100 Edge VC10 Index

participation

7-yr surrender$100,000+

Cap: 4.5% · 7-yr

S&P 500 Index

cap

7-yr surrender$100,000+

Cap: 4.5% · 7-yr

MSCI EAFE Index

cap

7-yr surrender$100,000+

Cap: 4.5% · 7-yr

Invesco QQQ Trust Series 1

cap

7-yr surrender$100,000+

Cap: 4.5% · 7-yr

iShares Russell 2000 ETF

cap

7-yr surrender$100,000+

Fixed: 2.9% · 7-yr

Fixed Account

fixed

7-yr surrender$100,000+

Par: 100% + Fixed: 3.7% · 1-yr

S&P 500 Index

trigger

7-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 3.7% · 1-yr

MSCI EAFE Index

trigger

7-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 3.7% · 1-yr

Invesco QQQ Trust Series 1

trigger

7-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 3.7% · 1-yr

iShares Russell 2000 ETF

trigger

7-yr surrenderUp to $99,999.99

Cap: 4.45% · 1-yr

S&P 500 Index

cap

7-yr surrenderUp to $99,999.99

Cap: 4.45% · 1-yr

MSCI EAFE Index

cap

7-yr surrenderUp to $99,999.99

Cap: 4.45% · 1-yr

Invesco QQQ Trust Series 1

cap

7-yr surrenderUp to $99,999.99

Cap: 4.45% · 1-yr

iShares Russell 2000 ETF

cap

7-yr surrenderUp to $99,999.99

Fixed: 2.9% · 1-yr

Fixed Account

fixed

7-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 3.35% · 7-yr

S&P 500 Index

trigger

7-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 3.35% · 7-yr

MSCI EAFE Index

trigger

7-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 3.35% · 7-yr

Invesco QQQ Trust Series 1

trigger

7-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 3.35% · 7-yr

iShares Russell 2000 ETF

trigger

7-yr surrenderUp to $99,999.99

Par: 50% · 7-yr

Barclays Large Cap Intraday VC10 Index

participation

7-yr surrenderUp to $99,999.99

Par: 50% · 7-yr

SG Nasdaq-100 Edge VC10 Index

participation

7-yr surrenderUp to $99,999.99

Cap: 3.95% · 7-yr

S&P 500 Index

cap

7-yr surrenderUp to $99,999.99

Cap: 3.95% · 7-yr

MSCI EAFE Index

cap

7-yr surrenderUp to $99,999.99

Cap: 3.95% · 7-yr

Invesco QQQ Trust Series 1

cap

7-yr surrenderUp to $99,999.99

Cap: 3.95% · 7-yr

iShares Russell 2000 ETF

cap

7-yr surrenderUp to $99,999.99

Fixed: 2.75% · 7-yr

Fixed Account

fixed

7-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 4.15% · 1-yr

S&P 500 Index

trigger

10-yr surrender$100,000+

Par: 100% + Fixed: 4.15% · 1-yr

MSCI EAFE Index

trigger

10-yr surrender$100,000+

Par: 100% + Fixed: 4.15% · 1-yr

Invesco QQQ Trust Series 1

trigger

10-yr surrender$100,000+

Par: 100% + Fixed: 4.15% · 1-yr

iShares Russell 2000 ETF

trigger

10-yr surrender$100,000+

Cap: 5.1% · 1-yr

S&P 500 Index

cap

10-yr surrender$100,000+

Cap: 5.1% · 1-yr

MSCI EAFE Index

cap

10-yr surrender$100,000+

Cap: 5.1% · 1-yr

Invesco QQQ Trust Series 1

cap

10-yr surrender$100,000+

Cap: 5.1% · 1-yr

iShares Russell 2000 ETF

cap

10-yr surrender$100,000+

Fixed: 3.1% · 1-yr

Fixed Account

fixed

10-yr surrender$100,000+

Par: 100% + Fixed: 3.8% · 10-yr

S&P 500 Index

trigger

10-yr surrender$100,000+

Par: 100% + Fixed: 3.8% · 10-yr

MSCI EAFE Index

trigger

10-yr surrender$100,000+

Par: 100% + Fixed: 3.8% · 10-yr

Invesco QQQ Trust Series 1

trigger

10-yr surrender$100,000+

Par: 100% + Fixed: 3.8% · 10-yr

iShares Russell 2000 ETF

trigger

10-yr surrender$100,000+

Par: 55% · 10-yr

Barclays Large Cap Intraday VC10 Index

participation

10-yr surrender$100,000+

Par: 55% · 10-yr

SG Nasdaq-100 Edge VC10 Index

participation

10-yr surrender$100,000+

Cap: 4.6% · 10-yr

S&P 500 Index

cap

10-yr surrender$100,000+

Cap: 4.6% · 10-yr

MSCI EAFE Index

cap

10-yr surrender$100,000+

Cap: 4.6% · 10-yr

Invesco QQQ Trust Series 1

cap

10-yr surrender$100,000+

Cap: 4.6% · 10-yr

iShares Russell 2000 ETF

cap

10-yr surrender$100,000+

Fixed: 2.95% · 10-yr

Fixed Account

fixed

10-yr surrender$100,000+

Cap: 4.55% · 1-yr

S&P 500 Index

cap

10-yr surrenderUp to $99,999.99

Cap: 4.55% · 1-yr

MSCI EAFE Index

cap

10-yr surrenderUp to $99,999.99

Cap: 4.55% · 1-yr

Invesco QQQ Trust Series 1

cap

10-yr surrenderUp to $99,999.99

Cap: 4.55% · 1-yr

iShares Russell 2000 ETF

cap

10-yr surrenderUp to $99,999.99

Fixed: 2.95% · 1-yr

Fixed Account

fixed

10-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 3.5% · 10-yr

S&P 500 Index

trigger

10-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 3.5% · 10-yr

MSCI EAFE Index

trigger

10-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 3.5% · 10-yr

Invesco QQQ Trust Series 1

trigger

10-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 3.5% · 10-yr

iShares Russell 2000 ETF

trigger

10-yr surrenderUp to $99,999.99

Par: 50% · 10-yr

Barclays Large Cap Intraday VC10 Index

participation

10-yr surrenderUp to $99,999.99

Par: 50% · 10-yr

SG Nasdaq-100 Edge VC10 Index

participation

10-yr surrenderUp to $99,999.99

Cap: 4.05% · 10-yr

S&P 500 Index

cap

10-yr surrenderUp to $99,999.99

Cap: 4.05% · 10-yr

MSCI EAFE Index

cap

10-yr surrenderUp to $99,999.99

Cap: 4.05% · 10-yr

Invesco QQQ Trust Series 1

cap

10-yr surrenderUp to $99,999.99

Cap: 4.05% · 10-yr

iShares Russell 2000 ETF

cap

10-yr surrenderUp to $99,999.99

Fixed: 2.8% · 10-yr

Fixed Account

fixed

10-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 3.85% · 1-yr

S&P 500 Index

PT

$100,000+

Par: 100% + Fixed: 3.85% · 1-yr

MSCI EAFE Index

PT

$100,000+

Par: 100% + Fixed: 3.85% · 1-yr

Invesco QQQ Trust Series 1

PT

$100,000+

Par: 100% + Fixed: 3.85% · 1-yr

iShares Russell 2000 ETF

PT

$100,000+

Par: 60% · 1-yr

Barclays Large Cap Intraday VC10 Index

PP

$100,000+

Par: 60% · 1-yr

SG Nasdaq-100 Edge VC10 Index

PP

$100,000+

Cap: 4.9% · 1-yr

S&P 500 Index

PP

$100,000+

Cap: 4.9% · 1-yr

MSCI EAFE Index

PP

$100,000+

Cap: 4.9% · 1-yr

Invesco QQQ Trust Series 1

PP

$100,000+

Cap: 4.9% · 1-yr

iShares Russell 2000 ETF

PP

$100,000+

Fixed: 3% · 1-yr

Fixed Account

FX

$100,000+

Par: 100% + Fixed: 4% · 1-yr

S&P 500 Index

PT

$100,000+

Par: 100% + Fixed: 4% · 1-yr

MSCI EAFE Index

PT

$100,000+

Par: 100% + Fixed: 4% · 1-yr

Invesco QQQ Trust Series 1

PT

$100,000+

Par: 100% + Fixed: 4% · 1-yr

iShares Russell 2000 ETF

PT

$100,000+

Cap: 5% · 1-yr

S&P 500 Index

PP

$100,000+

Cap: 5% · 1-yr

MSCI EAFE Index

PP

$100,000+

Cap: 5% · 1-yr

Invesco QQQ Trust Series 1

PP

$100,000+

Cap: 5% · 1-yr

iShares Russell 2000 ETF

PP

$100,000+

Fixed: 3.05% · 1-yr

Fixed Account

FX

$100,000+

Par: 100% + Fixed: 4.15% · 1-yr

S&P 500 Index

PT

$100,000+

Par: 100% + Fixed: 4.15% · 1-yr

MSCI EAFE Index

PT

$100,000+

Par: 100% + Fixed: 4.15% · 1-yr

Invesco QQQ Trust Series 1

PT

$100,000+

Par: 100% + Fixed: 4.15% · 1-yr

iShares Russell 2000 ETF

PT

$100,000+

Cap: 5.1% · 1-yr

S&P 500 Index

PP

$100,000+

Cap: 5.1% · 1-yr

MSCI EAFE Index

PP

$100,000+

Cap: 5.1% · 1-yr

Invesco QQQ Trust Series 1

PP

$100,000+

Cap: 5.1% · 1-yr

iShares Russell 2000 ETF

PP

$100,000+

Fixed: 3.1% · 1-yr

Fixed Account

FX

$100,000+

Par: 100% + Fixed: 3.5% · 5-yr

S&P 500 Index

PT

$100,000+

Par: 100% + Fixed: 3.5% · 5-yr

MSCI EAFE Index

PT

$100,000+

Par: 100% + Fixed: 3.5% · 5-yr

Invesco QQQ Trust Series 1

PT

$100,000+

Par: 100% + Fixed: 3.5% · 5-yr

iShares Russell 2000 ETF

PT

$100,000+

Par: 55% · 5-yr

Barclays Large Cap Intraday VC10 Index

PP

$100,000+

Par: 55% · 5-yr

SG Nasdaq-100 Edge VC10 Index

PP

$100,000+

Cap: 4.4% · 5-yr

S&P 500 Index

PP

$100,000+

Cap: 4.4% · 5-yr

MSCI EAFE Index

PP

$100,000+

Cap: 4.4% · 5-yr

Invesco QQQ Trust Series 1

PP

$100,000+

Cap: 4.4% · 5-yr

iShares Russell 2000 ETF

PP

$100,000+

Fixed: 2.85% · 5-yr

Fixed Account

FX

$100,000+

Par: 100% + Fixed: 3.65% · 7-yr

S&P 500 Index

PT

$100,000+

Par: 100% + Fixed: 3.65% · 7-yr

MSCI EAFE Index

PT

$100,000+

Par: 100% + Fixed: 3.65% · 7-yr

Invesco QQQ Trust Series 1

PT

$100,000+

Par: 100% + Fixed: 3.65% · 7-yr

iShares Russell 2000 ETF

PT

$100,000+

Par: 55% · 7-yr

Barclays Large Cap Intraday VC10 Index

PP

$100,000+

Par: 55% · 7-yr

SG Nasdaq-100 Edge VC10 Index

PP

$100,000+

Cap: 4.5% · 7-yr

S&P 500 Index

PP

$100,000+

Cap: 4.5% · 7-yr

MSCI EAFE Index

PP

$100,000+

Cap: 4.5% · 7-yr

Invesco QQQ Trust Series 1

PP

$100,000+

Cap: 4.5% · 7-yr

iShares Russell 2000 ETF

PP

$100,000+

Fixed: 2.9% · 7-yr

Fixed Account

FX

$100,000+

Par: 100% + Fixed: 3.8% · 9-yr

S&P 500 Index

PT

$100,000+

Par: 100% + Fixed: 3.8% · 9-yr

MSCI EAFE Index

PT

$100,000+

Par: 100% + Fixed: 3.8% · 9-yr

Invesco QQQ Trust Series 1

PT

$100,000+

Par: 100% + Fixed: 3.8% · 9-yr

iShares Russell 2000 ETF

PT

$100,000+

Par: 55% · 9-yr

Barclays Large Cap Intraday VC10 Index

PP

$100,000+

Par: 55% · 9-yr

SG Nasdaq-100 Edge VC10 Index

PP

$100,000+

Cap: 4.6% · 9-yr

S&P 500 Index

PP

$100,000+

Cap: 4.6% · 9-yr

MSCI EAFE Index

PP

$100,000+

Cap: 4.6% · 9-yr

Invesco QQQ Trust Series 1

PP

$100,000+

Cap: 4.6% · 9-yr

iShares Russell 2000 ETF

PP

$100,000+

Fixed: 2.95% · 9-yr

Fixed Account

FX

$100,000+

Par: 100% + Fixed: 3.55% · 1-yr

S&P 500 Index

PT

Up to $99,999.99

Par: 100% + Fixed: 3.55% · 1-yr

MSCI EAFE Index

PT

Up to $99,999.99

Par: 100% + Fixed: 3.55% · 1-yr

Invesco QQQ Trust Series 1

PT

Up to $99,999.99

Par: 100% + Fixed: 3.55% · 1-yr

iShares Russell 2000 ETF

PT

Up to $99,999.99

Par: 55% · 1-yr

Barclays Large Cap Intraday VC10 Index

PP

Up to $99,999.99

Par: 55% · 1-yr

SG Nasdaq-100 Edge VC10 Index

PP

Up to $99,999.99

Cap: 4.35% · 1-yr

S&P 500 Index

PP

Up to $99,999.99

Cap: 4.35% · 1-yr

MSCI EAFE Index

PP

Up to $99,999.99

Cap: 4.35% · 1-yr

Invesco QQQ Trust Series 1

PP

Up to $99,999.99

Cap: 4.35% · 1-yr

iShares Russell 2000 ETF

PP

Up to $99,999.99

Fixed: 2.85% · 1-yr

Fixed Account

FX

Up to $99,999.99

Par: 100% + Fixed: 3.7% · 1-yr

S&P 500 Index

PT

Up to $99,999.99

Par: 100% + Fixed: 3.7% · 1-yr

MSCI EAFE Index

PT

Up to $99,999.99

Par: 100% + Fixed: 3.7% · 1-yr

Invesco QQQ Trust Series 1

PT

Up to $99,999.99

Par: 100% + Fixed: 3.7% · 1-yr

iShares Russell 2000 ETF

PT

Up to $99,999.99

Cap: 4.45% · 1-yr

S&P 500 Index

PP

Up to $99,999.99

Cap: 4.45% · 1-yr

MSCI EAFE Index

PP

Up to $99,999.99

Cap: 4.45% · 1-yr

Invesco QQQ Trust Series 1

PP

Up to $99,999.99

Cap: 4.45% · 1-yr

iShares Russell 2000 ETF

PP

Up to $99,999.99

Fixed: 2.9% · 1-yr

Fixed Account

FX

Up to $99,999.99

Cap: 4.55% · 1-yr

S&P 500 Index

PP

Up to $99,999.99

Cap: 4.55% · 1-yr

MSCI EAFE Index

PP

Up to $99,999.99

Cap: 4.55% · 1-yr

Invesco QQQ Trust Series 1

PP

Up to $99,999.99

Cap: 4.55% · 1-yr

iShares Russell 2000 ETF

PP

Up to $99,999.99

Fixed: 2.95% · 1-yr

Fixed Account

FX

Up to $99,999.99

Par: 100% + Fixed: 3.2% · 5-yr

S&P 500 Index

PT

Up to $99,999.99

Par: 100% + Fixed: 3.2% · 5-yr

MSCI EAFE Index

PT

Up to $99,999.99

Par: 100% + Fixed: 3.2% · 5-yr

Invesco QQQ Trust Series 1

PT

Up to $99,999.99

Par: 100% + Fixed: 3.2% · 5-yr

iShares Russell 2000 ETF

PT

Up to $99,999.99

Par: 50% · 5-yr

Barclays Large Cap Intraday VC10 Index

PP

Up to $99,999.99

Par: 50% · 5-yr

SG Nasdaq-100 Edge VC10 Index

PP

Up to $99,999.99

Cap: 3.85% · 5-yr

S&P 500 Index

PP

Up to $99,999.99

Cap: 3.85% · 5-yr

MSCI EAFE Index

PP

Up to $99,999.99

Cap: 3.85% · 5-yr

Invesco QQQ Trust Series 1

PP

Up to $99,999.99

Cap: 3.85% · 5-yr

iShares Russell 2000 ETF

PP

Up to $99,999.99

Fixed: 2.7% · 5-yr

Fixed Account

FX

Up to $99,999.99

Par: 100% + Fixed: 3.35% · 7-yr

S&P 500 Index

PT

Up to $99,999.99

Par: 100% + Fixed: 3.35% · 7-yr

MSCI EAFE Index

PT

Up to $99,999.99

Par: 100% + Fixed: 3.35% · 7-yr

Invesco QQQ Trust Series 1

PT

Up to $99,999.99

Par: 100% + Fixed: 3.35% · 7-yr

iShares Russell 2000 ETF

PT

Up to $99,999.99

Par: 50% · 7-yr

Barclays Large Cap Intraday VC10 Index

PP

Up to $99,999.99

Par: 50% · 7-yr

SG Nasdaq-100 Edge VC10 Index

PP

Up to $99,999.99

Cap: 3.95% · 7-yr

S&P 500 Index

PP

Up to $99,999.99

Cap: 3.95% · 7-yr

MSCI EAFE Index

PP

Up to $99,999.99

Cap: 3.95% · 7-yr

Invesco QQQ Trust Series 1

PP

Up to $99,999.99

Cap: 3.95% · 7-yr

iShares Russell 2000 ETF

PP

Up to $99,999.99

Fixed: 2.75% · 7-yr

Fixed Account

FX

Up to $99,999.99

Par: 100% + Fixed: 3.5% · 9-yr

S&P 500 Index

PT

Up to $99,999.99

Par: 100% + Fixed: 3.5% · 9-yr

MSCI EAFE Index

PT

Up to $99,999.99

Par: 100% + Fixed: 3.5% · 9-yr

Invesco QQQ Trust Series 1

PT

Up to $99,999.99

Par: 100% + Fixed: 3.5% · 9-yr

iShares Russell 2000 ETF

PT

Up to $99,999.99

Par: 50% · 9-yr

Barclays Large Cap Intraday VC10 Index

PP

Up to $99,999.99

Par: 50% · 9-yr

SG Nasdaq-100 Edge VC10 Index

PP

Up to $99,999.99

Cap: 4.05% · 9-yr

S&P 500 Index

PP

Up to $99,999.99

Cap: 4.05% · 9-yr

MSCI EAFE Index

PP

Up to $99,999.99

Cap: 4.05% · 9-yr

Invesco QQQ Trust Series 1

PP

Up to $99,999.99

Cap: 4.05% · 9-yr

iShares Russell 2000 ETF

PP

Up to $99,999.99

Fixed: 2.8% · 9-yr

Fixed Account

FX

Up to $99,999.99

Lifetime Income Riders

Income rider

Income Creator

Lifetime payout rate6.6% lifetime payout
Annual rider fee1% annual rider fee

Product analyst notes

How to think about this contract

Why it can stand out

  • Lifetime income is delivered through a real, optional GLWB rider — the Lifetime Income Creator — with a published withdrawal rate, so the income figure on this page is directly comparable to other rider-led FIAs on the site.
  • The Lifetime Income Creator rider is flagged RMD-friendly on the live feed, so buyers using qualified retirement money can take required minimum distributions without breaking the rider's income guarantee.
  • Issue-age eligibility starts at 50 on the published rider — meaningfully earlier than the issue-age-59 floor on the sister Index Edge contract — so younger pre-retirees who want to lock in a contract-level income guarantee in their fifties can elect the rider on this filing.
  • Crediting menu is broad — multiple guarantee-period cadences on the S&P 500, MSCI EAFE, and proprietary volatility-controlled indexes — so a buyer can hold the rider income alongside several 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.

What to confirm

  • The Lifetime Income Creator rider carries an explicit current annual fee deducted regardless of index performance. Effective drag can run higher if the carrier later moves the fee toward its contractual maximum, so model the rider on both fee levels before committing.
  • 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.
  • Annual point-to-point cap rates on the S&P 500 strategies on this contract are visibly lower than on the sister Pacific Index Foundation 2 filing — the rider economics are paid for in part by tighter accumulation caps, so this contract is built for buyers who will actually use the rider rather than for those who want top-of-market accumulation crediting.
  • 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; the published free-withdrawal allowance covers a per-year cap, not a full early exit. Combined with the rider fee, the effective economic commitment is the full term — confirm the surrender schedule and rider terms against your liquidity plan before committing premium.

Not ideal for

Buyers who want top-of-market accumulation crediting (look at Pacific Index Foundation 2 instead), need a rider-fee-free Protected Income Value chassis, want short-surrender liquidity, want a premium bonus on day one, expect a stepped-up or rollup-enhanced death benefit, or want a plain MYGA-style declared rate — those are not what this contract is built to deliver.

Free Comparison Report

Get a Pacific Index Income rate report

See how Pacific Index Income 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 (240 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: 3.85% · 1-yr

S&P 500 Index

trigger

5-yr surrender$100,000+

Par: 100% + Fixed: 3.85% · 1-yr

MSCI EAFE Index

trigger

5-yr surrender$100,000+

Par: 100% + Fixed: 3.85% · 1-yr

Invesco QQQ Trust Series 1

trigger

5-yr surrender$100,000+

Par: 100% + Fixed: 3.85% · 1-yr

iShares Russell 2000 ETF

trigger

5-yr surrender$100,000+

Par: 60% · 1-yr

Barclays Large Cap Intraday VC10 Index

participation

5-yr surrender$100,000+

Par: 60% · 1-yr

SG Nasdaq-100 Edge VC10 Index

participation

5-yr surrender$100,000+

Cap: 4.9% · 1-yr

S&P 500 Index

cap

5-yr surrender$100,000+

Cap: 4.9% · 1-yr

MSCI EAFE Index

cap

5-yr surrender$100,000+

Cap: 4.9% · 1-yr

Invesco QQQ Trust Series 1

cap

5-yr surrender$100,000+

Cap: 4.9% · 1-yr

iShares Russell 2000 ETF

cap

5-yr surrender$100,000+

Fixed: 3% · 1-yr

Fixed Account

fixed

5-yr surrender$100,000+

Par: 100% + Fixed: 3.5% · 5-yr

S&P 500 Index

trigger

5-yr surrender$100,000+

Par: 100% + Fixed: 3.5% · 5-yr

MSCI EAFE Index

trigger

5-yr surrender$100,000+

Par: 100% + Fixed: 3.5% · 5-yr

Invesco QQQ Trust Series 1

trigger

5-yr surrender$100,000+

Par: 100% + Fixed: 3.5% · 5-yr

iShares Russell 2000 ETF

trigger

5-yr surrender$100,000+

Par: 55% · 5-yr

Barclays Large Cap Intraday VC10 Index

participation

5-yr surrender$100,000+

Par: 55% · 5-yr

SG Nasdaq-100 Edge VC10 Index

participation

5-yr surrender$100,000+

Cap: 4.4% · 5-yr

S&P 500 Index

cap

5-yr surrender$100,000+

Cap: 4.4% · 5-yr

MSCI EAFE Index

cap

5-yr surrender$100,000+

Cap: 4.4% · 5-yr

Invesco QQQ Trust Series 1

cap

5-yr surrender$100,000+

Cap: 4.4% · 5-yr

iShares Russell 2000 ETF

cap

5-yr surrender$100,000+

Fixed: 2.85% · 5-yr

Fixed Account

fixed

5-yr surrender$100,000+

Par: 100% + Fixed: 3.55% · 1-yr

S&P 500 Index

trigger

5-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 3.55% · 1-yr

MSCI EAFE Index

trigger

5-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 3.55% · 1-yr

Invesco QQQ Trust Series 1

trigger

5-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 3.55% · 1-yr

iShares Russell 2000 ETF

trigger

5-yr surrenderUp to $99,999.99

Par: 55% · 1-yr

Barclays Large Cap Intraday VC10 Index

participation

5-yr surrenderUp to $99,999.99

Par: 55% · 1-yr

SG Nasdaq-100 Edge VC10 Index

participation

5-yr surrenderUp to $99,999.99

Cap: 4.35% · 1-yr

S&P 500 Index

cap

5-yr surrenderUp to $99,999.99

Cap: 4.35% · 1-yr

MSCI EAFE Index

cap

5-yr surrenderUp to $99,999.99

Cap: 4.35% · 1-yr

Invesco QQQ Trust Series 1

cap

5-yr surrenderUp to $99,999.99

Cap: 4.35% · 1-yr

iShares Russell 2000 ETF

cap

5-yr surrenderUp to $99,999.99

Fixed: 2.85% · 1-yr

Fixed Account

fixed

5-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 3.2% · 5-yr

S&P 500 Index

trigger

5-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 3.2% · 5-yr

MSCI EAFE Index

trigger

5-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 3.2% · 5-yr

Invesco QQQ Trust Series 1

trigger

5-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 3.2% · 5-yr

iShares Russell 2000 ETF

trigger

5-yr surrenderUp to $99,999.99

Par: 50% · 5-yr

Barclays Large Cap Intraday VC10 Index

participation

5-yr surrenderUp to $99,999.99

Par: 50% · 5-yr

SG Nasdaq-100 Edge VC10 Index

participation

5-yr surrenderUp to $99,999.99

Cap: 3.85% · 5-yr

S&P 500 Index

cap

5-yr surrenderUp to $99,999.99

Cap: 3.85% · 5-yr

MSCI EAFE Index

cap

5-yr surrenderUp to $99,999.99

Cap: 3.85% · 5-yr

Invesco QQQ Trust Series 1

cap

5-yr surrenderUp to $99,999.99

Cap: 3.85% · 5-yr

iShares Russell 2000 ETF

cap

5-yr surrenderUp to $99,999.99

Fixed: 2.7% · 5-yr

Fixed Account

fixed

5-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 4% · 1-yr

S&P 500 Index

trigger

7-yr surrender$100,000+

Par: 100% + Fixed: 4% · 1-yr

MSCI EAFE Index

trigger

7-yr surrender$100,000+

Par: 100% + Fixed: 4% · 1-yr

Invesco QQQ Trust Series 1

trigger

7-yr surrender$100,000+

Par: 100% + Fixed: 4% · 1-yr

iShares Russell 2000 ETF

trigger

7-yr surrender$100,000+

Cap: 5% · 1-yr

S&P 500 Index

cap

7-yr surrender$100,000+

Cap: 5% · 1-yr

MSCI EAFE Index

cap

7-yr surrender$100,000+

Cap: 5% · 1-yr

Invesco QQQ Trust Series 1

cap

7-yr surrender$100,000+

Cap: 5% · 1-yr

iShares Russell 2000 ETF

cap

7-yr surrender$100,000+

Fixed: 3.05% · 1-yr

Fixed Account

fixed

7-yr surrender$100,000+

Par: 100% + Fixed: 3.65% · 7-yr

S&P 500 Index

trigger

7-yr surrender$100,000+

Par: 100% + Fixed: 3.65% · 7-yr

MSCI EAFE Index

trigger

7-yr surrender$100,000+

Par: 100% + Fixed: 3.65% · 7-yr

Invesco QQQ Trust Series 1

trigger

7-yr surrender$100,000+

Par: 100% + Fixed: 3.65% · 7-yr

iShares Russell 2000 ETF

trigger

7-yr surrender$100,000+

Par: 55% · 7-yr

Barclays Large Cap Intraday VC10 Index

participation

7-yr surrender$100,000+

Par: 55% · 7-yr

SG Nasdaq-100 Edge VC10 Index

participation

7-yr surrender$100,000+

Cap: 4.5% · 7-yr

S&P 500 Index

cap

7-yr surrender$100,000+

Cap: 4.5% · 7-yr

MSCI EAFE Index

cap

7-yr surrender$100,000+

Cap: 4.5% · 7-yr

Invesco QQQ Trust Series 1

cap

7-yr surrender$100,000+

Cap: 4.5% · 7-yr

iShares Russell 2000 ETF

cap

7-yr surrender$100,000+

Fixed: 2.9% · 7-yr

Fixed Account

fixed

7-yr surrender$100,000+

Par: 100% + Fixed: 3.7% · 1-yr

S&P 500 Index

trigger

7-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 3.7% · 1-yr

MSCI EAFE Index

trigger

7-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 3.7% · 1-yr

Invesco QQQ Trust Series 1

trigger

7-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 3.7% · 1-yr

iShares Russell 2000 ETF

trigger

7-yr surrenderUp to $99,999.99

Cap: 4.45% · 1-yr

S&P 500 Index

cap

7-yr surrenderUp to $99,999.99

Cap: 4.45% · 1-yr

MSCI EAFE Index

cap

7-yr surrenderUp to $99,999.99

Cap: 4.45% · 1-yr

Invesco QQQ Trust Series 1

cap

7-yr surrenderUp to $99,999.99

Cap: 4.45% · 1-yr

iShares Russell 2000 ETF

cap

7-yr surrenderUp to $99,999.99

Fixed: 2.9% · 1-yr

Fixed Account

fixed

7-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 3.35% · 7-yr

S&P 500 Index

trigger

7-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 3.35% · 7-yr

MSCI EAFE Index

trigger

7-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 3.35% · 7-yr

Invesco QQQ Trust Series 1

trigger

7-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 3.35% · 7-yr

iShares Russell 2000 ETF

trigger

7-yr surrenderUp to $99,999.99

Par: 50% · 7-yr

Barclays Large Cap Intraday VC10 Index

participation

7-yr surrenderUp to $99,999.99

Par: 50% · 7-yr

SG Nasdaq-100 Edge VC10 Index

participation

7-yr surrenderUp to $99,999.99

Cap: 3.95% · 7-yr

S&P 500 Index

cap

7-yr surrenderUp to $99,999.99

Cap: 3.95% · 7-yr

MSCI EAFE Index

cap

7-yr surrenderUp to $99,999.99

Cap: 3.95% · 7-yr

Invesco QQQ Trust Series 1

cap

7-yr surrenderUp to $99,999.99

Cap: 3.95% · 7-yr

iShares Russell 2000 ETF

cap

7-yr surrenderUp to $99,999.99

Fixed: 2.75% · 7-yr

Fixed Account

fixed

7-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 4.15% · 1-yr

S&P 500 Index

trigger

10-yr surrender$100,000+

Par: 100% + Fixed: 4.15% · 1-yr

MSCI EAFE Index

trigger

10-yr surrender$100,000+

Par: 100% + Fixed: 4.15% · 1-yr

Invesco QQQ Trust Series 1

trigger

10-yr surrender$100,000+

Par: 100% + Fixed: 4.15% · 1-yr

iShares Russell 2000 ETF

trigger

10-yr surrender$100,000+

Cap: 5.1% · 1-yr

S&P 500 Index

cap

10-yr surrender$100,000+

Cap: 5.1% · 1-yr

MSCI EAFE Index

cap

10-yr surrender$100,000+

Cap: 5.1% · 1-yr

Invesco QQQ Trust Series 1

cap

10-yr surrender$100,000+

Cap: 5.1% · 1-yr

iShares Russell 2000 ETF

cap

10-yr surrender$100,000+

Fixed: 3.1% · 1-yr

Fixed Account

fixed

10-yr surrender$100,000+

Par: 100% + Fixed: 3.8% · 10-yr

S&P 500 Index

trigger

10-yr surrender$100,000+

Par: 100% + Fixed: 3.8% · 10-yr

MSCI EAFE Index

trigger

10-yr surrender$100,000+

Par: 100% + Fixed: 3.8% · 10-yr

Invesco QQQ Trust Series 1

trigger

10-yr surrender$100,000+

Par: 100% + Fixed: 3.8% · 10-yr

iShares Russell 2000 ETF

trigger

10-yr surrender$100,000+

Par: 55% · 10-yr

Barclays Large Cap Intraday VC10 Index

participation

10-yr surrender$100,000+

Par: 55% · 10-yr

SG Nasdaq-100 Edge VC10 Index

participation

10-yr surrender$100,000+

Cap: 4.6% · 10-yr

S&P 500 Index

cap

10-yr surrender$100,000+

Cap: 4.6% · 10-yr

MSCI EAFE Index

cap

10-yr surrender$100,000+

Cap: 4.6% · 10-yr

Invesco QQQ Trust Series 1

cap

10-yr surrender$100,000+

Cap: 4.6% · 10-yr

iShares Russell 2000 ETF

cap

10-yr surrender$100,000+

Fixed: 2.95% · 10-yr

Fixed Account

fixed

10-yr surrender$100,000+

Cap: 4.55% · 1-yr

S&P 500 Index

cap

10-yr surrenderUp to $99,999.99

Cap: 4.55% · 1-yr

MSCI EAFE Index

cap

10-yr surrenderUp to $99,999.99

Cap: 4.55% · 1-yr

Invesco QQQ Trust Series 1

cap

10-yr surrenderUp to $99,999.99

Cap: 4.55% · 1-yr

iShares Russell 2000 ETF

cap

10-yr surrenderUp to $99,999.99

Fixed: 2.95% · 1-yr

Fixed Account

fixed

10-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 3.5% · 10-yr

S&P 500 Index

trigger

10-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 3.5% · 10-yr

MSCI EAFE Index

trigger

10-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 3.5% · 10-yr

Invesco QQQ Trust Series 1

trigger

10-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 3.5% · 10-yr

iShares Russell 2000 ETF

trigger

10-yr surrenderUp to $99,999.99

Par: 50% · 10-yr

Barclays Large Cap Intraday VC10 Index

participation

10-yr surrenderUp to $99,999.99

Par: 50% · 10-yr

SG Nasdaq-100 Edge VC10 Index

participation

10-yr surrenderUp to $99,999.99

Cap: 4.05% · 10-yr

S&P 500 Index

cap

10-yr surrenderUp to $99,999.99

Cap: 4.05% · 10-yr

MSCI EAFE Index

cap

10-yr surrenderUp to $99,999.99

Cap: 4.05% · 10-yr

Invesco QQQ Trust Series 1

cap

10-yr surrenderUp to $99,999.99

Cap: 4.05% · 10-yr

iShares Russell 2000 ETF

cap

10-yr surrenderUp to $99,999.99

Fixed: 2.8% · 10-yr

Fixed Account

fixed

10-yr surrenderUp to $99,999.99

Par: 100% + Fixed: 3.85% · 1-yr

S&P 500 Index

PT

$100,000+

Par: 100% + Fixed: 3.85% · 1-yr

MSCI EAFE Index

PT

$100,000+

Par: 100% + Fixed: 3.85% · 1-yr

Invesco QQQ Trust Series 1

PT

$100,000+

Par: 100% + Fixed: 3.85% · 1-yr

iShares Russell 2000 ETF

PT

$100,000+

Par: 60% · 1-yr

Barclays Large Cap Intraday VC10 Index

PP

$100,000+

Par: 60% · 1-yr

SG Nasdaq-100 Edge VC10 Index

PP

$100,000+

Cap: 4.9% · 1-yr

S&P 500 Index

PP

$100,000+

Cap: 4.9% · 1-yr

MSCI EAFE Index

PP

$100,000+

Cap: 4.9% · 1-yr

Invesco QQQ Trust Series 1

PP

$100,000+

Cap: 4.9% · 1-yr

iShares Russell 2000 ETF

PP

$100,000+

Fixed: 3% · 1-yr

Fixed Account

FX

$100,000+

Par: 100% + Fixed: 4% · 1-yr

S&P 500 Index

PT

$100,000+

Par: 100% + Fixed: 4% · 1-yr

MSCI EAFE Index

PT

$100,000+

Par: 100% + Fixed: 4% · 1-yr

Invesco QQQ Trust Series 1

PT

$100,000+

Par: 100% + Fixed: 4% · 1-yr

iShares Russell 2000 ETF

PT

$100,000+

Cap: 5% · 1-yr

S&P 500 Index

PP

$100,000+

Cap: 5% · 1-yr

MSCI EAFE Index

PP

$100,000+

Cap: 5% · 1-yr

Invesco QQQ Trust Series 1

PP

$100,000+

Cap: 5% · 1-yr

iShares Russell 2000 ETF

PP

$100,000+

Fixed: 3.05% · 1-yr

Fixed Account

FX

$100,000+

Par: 100% + Fixed: 4.15% · 1-yr

S&P 500 Index

PT

$100,000+

Par: 100% + Fixed: 4.15% · 1-yr

MSCI EAFE Index

PT

$100,000+

Par: 100% + Fixed: 4.15% · 1-yr

Invesco QQQ Trust Series 1

PT

$100,000+

Par: 100% + Fixed: 4.15% · 1-yr

iShares Russell 2000 ETF

PT

$100,000+

Cap: 5.1% · 1-yr

S&P 500 Index

PP

$100,000+

Cap: 5.1% · 1-yr

MSCI EAFE Index

PP

$100,000+

Cap: 5.1% · 1-yr

Invesco QQQ Trust Series 1

PP

$100,000+

Cap: 5.1% · 1-yr

iShares Russell 2000 ETF

PP

$100,000+

Fixed: 3.1% · 1-yr

Fixed Account

FX

$100,000+

Par: 100% + Fixed: 3.5% · 5-yr

S&P 500 Index

PT

$100,000+

Par: 100% + Fixed: 3.5% · 5-yr

MSCI EAFE Index

PT

$100,000+

Par: 100% + Fixed: 3.5% · 5-yr

Invesco QQQ Trust Series 1

PT

$100,000+

Par: 100% + Fixed: 3.5% · 5-yr

iShares Russell 2000 ETF

PT

$100,000+

Par: 55% · 5-yr

Barclays Large Cap Intraday VC10 Index

PP

$100,000+

Par: 55% · 5-yr

SG Nasdaq-100 Edge VC10 Index

PP

$100,000+

Cap: 4.4% · 5-yr

S&P 500 Index

PP

$100,000+

Cap: 4.4% · 5-yr

MSCI EAFE Index

PP

$100,000+

Cap: 4.4% · 5-yr

Invesco QQQ Trust Series 1

PP

$100,000+

Cap: 4.4% · 5-yr

iShares Russell 2000 ETF

PP

$100,000+

Fixed: 2.85% · 5-yr

Fixed Account

FX

$100,000+

Par: 100% + Fixed: 3.65% · 7-yr

S&P 500 Index

PT

$100,000+

Par: 100% + Fixed: 3.65% · 7-yr

MSCI EAFE Index

PT

$100,000+

Par: 100% + Fixed: 3.65% · 7-yr

Invesco QQQ Trust Series 1

PT

$100,000+

Par: 100% + Fixed: 3.65% · 7-yr

iShares Russell 2000 ETF

PT

$100,000+

Par: 55% · 7-yr

Barclays Large Cap Intraday VC10 Index

PP

$100,000+

Par: 55% · 7-yr

SG Nasdaq-100 Edge VC10 Index

PP

$100,000+

Cap: 4.5% · 7-yr

S&P 500 Index

PP

$100,000+

Cap: 4.5% · 7-yr

MSCI EAFE Index

PP

$100,000+

Cap: 4.5% · 7-yr

Invesco QQQ Trust Series 1

PP

$100,000+

Cap: 4.5% · 7-yr

iShares Russell 2000 ETF

PP

$100,000+

Fixed: 2.9% · 7-yr

Fixed Account

FX

$100,000+

Par: 100% + Fixed: 3.8% · 9-yr

S&P 500 Index

PT

$100,000+

Par: 100% + Fixed: 3.8% · 9-yr

MSCI EAFE Index

PT

$100,000+

Par: 100% + Fixed: 3.8% · 9-yr

Invesco QQQ Trust Series 1

PT

$100,000+

Par: 100% + Fixed: 3.8% · 9-yr

iShares Russell 2000 ETF

PT

$100,000+

Par: 55% · 9-yr

Barclays Large Cap Intraday VC10 Index

PP

$100,000+

Par: 55% · 9-yr

SG Nasdaq-100 Edge VC10 Index

PP

$100,000+

Cap: 4.6% · 9-yr

S&P 500 Index

PP

$100,000+

Cap: 4.6% · 9-yr

MSCI EAFE Index

PP

$100,000+

Cap: 4.6% · 9-yr

Invesco QQQ Trust Series 1

PP

$100,000+

Cap: 4.6% · 9-yr

iShares Russell 2000 ETF

PP

$100,000+

Fixed: 2.95% · 9-yr

Fixed Account

FX

$100,000+

Par: 100% + Fixed: 3.55% · 1-yr

S&P 500 Index

PT

Up to $99,999.99

Par: 100% + Fixed: 3.55% · 1-yr

MSCI EAFE Index

PT

Up to $99,999.99

Par: 100% + Fixed: 3.55% · 1-yr

Invesco QQQ Trust Series 1

PT

Up to $99,999.99

Par: 100% + Fixed: 3.55% · 1-yr

iShares Russell 2000 ETF

PT

Up to $99,999.99

Par: 55% · 1-yr

Barclays Large Cap Intraday VC10 Index

PP

Up to $99,999.99

Par: 55% · 1-yr

SG Nasdaq-100 Edge VC10 Index

PP

Up to $99,999.99

Cap: 4.35% · 1-yr

S&P 500 Index

PP

Up to $99,999.99

Cap: 4.35% · 1-yr

MSCI EAFE Index

PP

Up to $99,999.99

Cap: 4.35% · 1-yr

Invesco QQQ Trust Series 1

PP

Up to $99,999.99

Cap: 4.35% · 1-yr

iShares Russell 2000 ETF

PP

Up to $99,999.99

Fixed: 2.85% · 1-yr

Fixed Account

FX

Up to $99,999.99

Par: 100% + Fixed: 3.7% · 1-yr

S&P 500 Index

PT

Up to $99,999.99

Par: 100% + Fixed: 3.7% · 1-yr

MSCI EAFE Index

PT

Up to $99,999.99

Par: 100% + Fixed: 3.7% · 1-yr

Invesco QQQ Trust Series 1

PT

Up to $99,999.99

Par: 100% + Fixed: 3.7% · 1-yr

iShares Russell 2000 ETF

PT

Up to $99,999.99

Cap: 4.45% · 1-yr

S&P 500 Index

PP

Up to $99,999.99

Cap: 4.45% · 1-yr

MSCI EAFE Index

PP

Up to $99,999.99

Cap: 4.45% · 1-yr

Invesco QQQ Trust Series 1

PP

Up to $99,999.99

Cap: 4.45% · 1-yr

iShares Russell 2000 ETF

PP

Up to $99,999.99

Fixed: 2.9% · 1-yr

Fixed Account

FX

Up to $99,999.99

Cap: 4.55% · 1-yr

S&P 500 Index

PP

Up to $99,999.99

Cap: 4.55% · 1-yr

MSCI EAFE Index

PP

Up to $99,999.99

Cap: 4.55% · 1-yr

Invesco QQQ Trust Series 1

PP

Up to $99,999.99

Cap: 4.55% · 1-yr

iShares Russell 2000 ETF

PP

Up to $99,999.99

Fixed: 2.95% · 1-yr

Fixed Account

FX

Up to $99,999.99

Par: 100% + Fixed: 3.2% · 5-yr

S&P 500 Index

PT

Up to $99,999.99

Par: 100% + Fixed: 3.2% · 5-yr

MSCI EAFE Index

PT

Up to $99,999.99

Par: 100% + Fixed: 3.2% · 5-yr

Invesco QQQ Trust Series 1

PT

Up to $99,999.99

Par: 100% + Fixed: 3.2% · 5-yr

iShares Russell 2000 ETF

PT

Up to $99,999.99

Par: 50% · 5-yr

Barclays Large Cap Intraday VC10 Index

PP

Up to $99,999.99

Par: 50% · 5-yr

SG Nasdaq-100 Edge VC10 Index

PP

Up to $99,999.99

Cap: 3.85% · 5-yr

S&P 500 Index

PP

Up to $99,999.99

Cap: 3.85% · 5-yr

MSCI EAFE Index

PP

Up to $99,999.99

Cap: 3.85% · 5-yr

Invesco QQQ Trust Series 1

PP

Up to $99,999.99

Cap: 3.85% · 5-yr

iShares Russell 2000 ETF

PP

Up to $99,999.99

Fixed: 2.7% · 5-yr

Fixed Account

FX

Up to $99,999.99

Par: 100% + Fixed: 3.35% · 7-yr

S&P 500 Index

PT

Up to $99,999.99

Par: 100% + Fixed: 3.35% · 7-yr

MSCI EAFE Index

PT

Up to $99,999.99

Par: 100% + Fixed: 3.35% · 7-yr

Invesco QQQ Trust Series 1

PT

Up to $99,999.99

Par: 100% + Fixed: 3.35% · 7-yr

iShares Russell 2000 ETF

PT

Up to $99,999.99

Par: 50% · 7-yr

Barclays Large Cap Intraday VC10 Index

PP

Up to $99,999.99

Par: 50% · 7-yr

SG Nasdaq-100 Edge VC10 Index

PP

Up to $99,999.99

Cap: 3.95% · 7-yr

S&P 500 Index

PP

Up to $99,999.99

Cap: 3.95% · 7-yr

MSCI EAFE Index

PP

Up to $99,999.99

Cap: 3.95% · 7-yr

Invesco QQQ Trust Series 1

PP

Up to $99,999.99

Cap: 3.95% · 7-yr

iShares Russell 2000 ETF

PP

Up to $99,999.99

Fixed: 2.75% · 7-yr

Fixed Account

FX

Up to $99,999.99

Par: 100% + Fixed: 3.5% · 9-yr

S&P 500 Index

PT

Up to $99,999.99

Par: 100% + Fixed: 3.5% · 9-yr

MSCI EAFE Index

PT

Up to $99,999.99

Par: 100% + Fixed: 3.5% · 9-yr

Invesco QQQ Trust Series 1

PT

Up to $99,999.99

Par: 100% + Fixed: 3.5% · 9-yr

iShares Russell 2000 ETF

PT

Up to $99,999.99

Par: 50% · 9-yr

Barclays Large Cap Intraday VC10 Index

PP

Up to $99,999.99

Par: 50% · 9-yr

SG Nasdaq-100 Edge VC10 Index

PP

Up to $99,999.99

Cap: 4.05% · 9-yr

S&P 500 Index

PP

Up to $99,999.99

Cap: 4.05% · 9-yr

MSCI EAFE Index

PP

Up to $99,999.99

Cap: 4.05% · 9-yr

Invesco QQQ Trust Series 1

PP

Up to $99,999.99

Cap: 4.05% · 9-yr

iShares Russell 2000 ETF

PP

Up to $99,999.99

Fixed: 2.8% · 9-yr

Fixed Account

FX

Up to $99,999.99

Income riders

Income rider

Lifetime Income Creator

Lifetime withdrawal rate6.6%
Annual rider fee1%
Withdrawal-base growthNot shown

GLWB

Common questions about Pacific Index Income

● Can I lose money in Pacific Index Income?

In a year the index falls, Pacific Index Income 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.

● Is the Lifetime Income Creator income rider worth the 1% fee?

It depends on whether you will use the guaranteed income. If you are accumulating only, you can skip it. If you want guaranteed lifetime income later, the 6.6% withdrawal rate can make it worthwhile — model it in the Income tab of the analyzer above.

● How does Pacific Index Income compare to other FIAs?

Use "Compare against" in the analyzer to overlay Pacific Index Income 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

Standard 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-income-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 Income 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: 4.9% cap
  • S&P 500 Index: 5.1% cap
  • S&P 500 Index: 5% cap

Income rider language

What to look for before treating the rider as income

Lifetime Income Creator is the main income-rider entry returned for this product. Rider terms can affect the tradeoff between future lifetime withdrawals, contract value, beneficiary value, and cost, so the exact state version and rider election should be confirmed before comparing it to annuitization or income-only contracts.

  • 6.6% withdrawal rate
  • 1% rider fee

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-income-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

Free Comparison Report

Get a Pacific Index Income rate report

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

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