Pacific Life
A Newport Beach-based life insurance and retirement company founded in 1868, with annuities, life insurance, employee benefits, structured settlements, and institutional solutions under one long-term promise brand.
Financial strength
A+
AM Best
AA-
S&P Global
AA-
Fitch
Aa3
Moody's
AA- / A+ / Aa3 rated
Pacific Life publishes AA- from S&P and Fitch, A+ from AM Best, and Aa3 from Moody's for its life and annuity companies.
Mutual holding company
Pacific Life says its insurance company is part of a mutual holding company structure and is not publicly traded.
Newport Beach
Pacific Life identifies Newport Beach, California, as its company headquarters.
Founded 1868
Pacific Life describes nearly 160 years of helping individuals, families, and institutions plan for the future.
Promise brand
Pacific Life frames its brand around confidence, goals, protection, and long-term promises.
Run live numbers on Pacific Life products
Choose a product type, then select a current product. The analyzer shows the values returned for your premium, age, state, and timing, and leaves out fields that are not published for that selection.
Income FIAs
Selected product: Index Edge - Interest Enhanced Income Benefit (IEIB)
An income-focused fixed indexed annuity group for comparing rider-driven lifetime-income scenarios.
Other current products and income options
Free Comparison Report
Get Pacific Life's current rate report
Compare Pacific Life's live rates, carrier ratings, and product tradeoffs against alternatives in one personalized report.
Explore Pacific Life products
Pacific Life’s lineup, grouped by what each product group is built to do. Current rates are pulled from the daily carrier rate service.
Fixed Index Annuity - Growth
Index-linked annuities built for protected growth, with caps, participation rates, and fixed-account options surfaced from live product data.
- Growth-oriented FIAs grouped by accumulation purpose
- Individual product pages carry current rates, terms, riders, and disclosures
Best for: Buyers comparing principal-protected growth potential before opening a product page for the full live strategy set.
Index Advisory
Index Advisory is an advisor-class (fee-based), seven-year-surrender FIA from A+-rated Pacific Life with a deliberately narrow crediting menu — annual point-to-point caps and participation strategies on the S&P 500 and the MSCI EAFE — and no income rider on the contract.
S&P 500 annual cap
8.8%
Pacific Advisory Fixed Indexed Annuity
Pacific Advisory Fixed Indexed Annuity is an advisor-class (fee-based), no-surrender-charge FIA from A+-rated Pacific Life with a deliberately narrow crediting menu — annual point-to-point caps and participation strategies on the S&P 500 and the MSCI EAFE — designed to be held inside a fee-only advisory account.
S&P 500 annual cap
10%
Pacific Index Dimensions
Pacific Index Dimensions is a ten-year-surrender, A+-rated FIA from Pacific Life with a broad crediting menu — annual point-to-point caps and participation strategies on the S&P 500, MSCI EAFE, and proprietary volatility-controlled indexes — and no income rider on the contract.
S&P 500 annual cap
7.65%
Pacific Index Foundation 2
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.
S&P 500 annual cap
9.6%
Rates are pulled live from CANNEX via the AdvisorWorld data feed · 2026-07-13. Caps, payout rates, and guaranteed rates vary by state, premium band, and rider election — confirm current terms on each product page.
Free Comparison Report
Get Pacific Life's current rate report
Compare Pacific Life's live rates, carrier ratings, and product tradeoffs against alternatives in one personalized report.
Find your fit
Start with the retirement job, then open the live Pacific Life product page that matches it. Rates, riders, caps, guaranteed terms, and state rules stay tied to CANNEX-backed detail.
How lifetime income builds
See how a guaranteed-income benefit can turn a premium into lifetime income using this carrier’s current income terms.
Lifetime withdrawal rate
5%
10-yr illustration
Income-base roll-up
5.5%
simple, up to 10 yrs
Annual fee
1%
benefit charge
Premium
$100,000
Income base · yr 10
$155,000
Annual lifetime income
$7,750
Simplified illustration using this income option’s current simple income-base roll-up over 10 years, then its 5% lifetime withdrawal rate. Index credits, interest bonuses, and step-ups can change the result; exact figures require a carrier illustration.
Company overview
What Pacific Life is
Pacific Life describes itself as serving individuals, families, businesses, financial professionals, and institutions through products that include annuities, life insurance, employee benefits, structured settlements, and institutional solutions.
Checked 2026-06-18 · Pacific Life About page
Pacific Life says annuity products may be issued by Pacific Life Insurance Company in states other than New York and by Pacific Life & Annuity Company in New York.
Checked 2026-06-18 · Pacific Life About page disclosure
Pacific Life publicly organizes its annuity materials around variable annuities, fixed indexed annuities, fixed annuities, immediate annuities, deferred income annuities, and registered index-linked annuities.
Checked 2026-06-18 · Pacific Life annuities page
Scale, labeled
Company assets
$275.1B
Pacific Life-published company assets figure.
As of 2025-12-31 · Pacific Life Financials & Insurance Ratings page
Operating revenues
$18.8B
Pacific Life-published operating revenues figure.
Year ended 2025 · Pacific Life Financials & Insurance Ratings page
Adjusted operating income
$1.5B
Pacific Life-published adjusted operating income figure.
Year ended 2025 · Pacific Life Financials & Insurance Ratings page
Total invested assets
$186B
Pacific Life-published invested assets figure across public debt, private debt, mortgage loans, equity, cash, and other categories.
As of 2025-12-31 · Pacific Life Financials & Insurance Ratings page
History highlights
Pacific Life traces its founding to 1868 and describes nearly 160 years of operating history.
Founded 1868 · Pacific Life About page
The company has expanded from life insurance roots into retirement, annuity, workplace-benefit, structured-settlement, and institutional markets.
Checked 2026-06-18 · Pacific Life About page; Pacific Life financials and ratings page
Pacific Life uses its long history as part of the brand promise behind current retirement, protection, and planning materials.
Checked 2026-06-18 · Pacific Life Brand page
Mutual holding company structure
Pacific Life states that Pacific Life Insurance Company is part of a mutual holding company structure.
Ratings as of August 2025 · Pacific Life Ratings PDF
Pacific Life says it is not publicly traded, so management does not need to make decisions around a stock-price performance requirement.
Ratings as of August 2025 · Pacific Life Ratings PDF
The company connects that structure to a long-term operating frame: keeping promises, meeting obligations, and building confidence across generations.
Checked 2026-06-18 · Pacific Life Brand page; Pacific Life Ratings PDF
Financial strength
AM Best
CurrentA+
Superior financial-strength rating for Pacific Life Insurance Company and Pacific Life & Annuity Company; ARHQ reconciles this row with the live CANNEX AM Best value at render.
AM Best update listed 12/11/2025; live CANNEX value at render
Pacific Life Financials & Insurance Ratings page; CANNEX ratings feed · current rating check
S&P Global
AA-
Very strong financial-strength rating for Pacific Life Insurance Company and Pacific Life & Annuity Company.
Ratings report listed 04/03/2025; page checked 2026-06-18
Fitch
AA-
Very strong insurer financial-strength rating for Pacific Life Insurance Company and Pacific Life & Annuity Company.
Update listed 12/17/2025; page checked 2026-06-18
Moody's
Aa3
Excellent insurance financial-strength rating for Pacific Life Insurance Company and Pacific Life & Annuity Company.
Press release listed 11/06/2025; page checked 2026-06-18
What makes Pacific Life different
Promise-led positioning
Pacific Life centers its corporate message on keeping promises, confidence, and helping people plan for what matters over long time horizons.
Checked 2026-06-18 · Pacific Life About page; Pacific Life Brand page
Broad retirement and protection platform
The company spans annuities, life insurance, employee benefits, structured settlements, and institutional solutions, so its annuity platform sits inside a wider insurance and retirement organization.
Checked 2026-06-18 · Pacific Life About page
Goal-based education
Pacific Life presents planning resources around life goals, retirement income, estate planning, family planning, business planning, and advisor strategy resources instead of only product labels.
Checked 2026-06-18 · Pacific Life Insights page; Pacific Life planning strategies
Fixed and indexed annuity breadth
Pacific Life markets fixed indexed annuities, fixed annuities, immediate annuities, deferred income annuities, variable annuities, and registered index-linked annuities, while ARHQ renders only mapped product pages and live CANNEX metrics.
At render for ARHQ catalog · Pacific Life annuities page; ARHQ CANNEX-backed catalog
About Pacific Life
Pacific Life is headquartered in Newport Beach, California, and presents itself as a nearly 160-year insurance and retirement company serving individuals, families, businesses, financial professionals, and institutions.
Checked 2026-06-18 · Pacific Life About page
Its annuity materials frame retirement around protected growth, tax deferral, reliable income, principal protection, and lifetime-income planning across fixed, indexed, immediate, deferred-income, variable, and registered index-linked contracts.
Checked 2026-06-18 · Pacific Life annuities page; Pacific Life fixed annuities page
On ARHQ, Pacific Life product cards and the analyzer are intentionally live-data driven: this profile supplies story and context, while product availability, rates, riders, caps, guaranteed terms, and review links come from CANNEX-backed feeds and mapped product pages.
At render · ARHQ carrier-page architecture; CANNEX via AdvisorWorld
Free Comparison Report
Get Pacific Life's current rate report
Compare Pacific Life's live rates, carrier ratings, and product tradeoffs against alternatives in one personalized report.
Sources
- Pacific Life home page — Checked 2026-06-18
- Pacific Life About page — Checked 2026-06-18
- Pacific Life Brand page — Checked 2026-06-18
- Pacific Life Financials & Insurance Ratings page — Checked 2026-06-18; financials as of 2025-12-31
- Pacific Life Ratings PDF — Ratings as of August 2025
- Pacific Life annuities page — Checked 2026-06-18
- Pacific Life fixed annuities page — Checked 2026-06-18
- Pacific Life annuity rates page — Checked 2026-06-18
- Pacific Life Insights page — Checked 2026-06-18
- Pacific Life planning strategies — Checked 2026-06-18
- Pacific Life life-goals retirement income page — Checked 2026-06-18
- ARHQ CANNEX-backed product catalog and mapped product pages — At render