Pacific Life

Guaranteed Interest RatesRates higher for deposits of $100,000+

Guaranteed Growth. Tax-Deferred. Lifetime Income.

Tax DeferralExample: $100K grows to $180,611 pretax over 20 years at 3% vs. $149,765 after-tax in taxable investment

Purchase Payment GuaranteeFull protection of principal

Flexible WithdrawalsFirst withdrawal available after 30 days

Best for: Retirees and pre-retirees who prioritize safety and predictable income over mark...

Expedition II

Guaranteed Interest RateRates vary; higher rates available for purchases of $100,000+

Guaranteed rates. Tax-deferred growth. Lifetime income.

Tax DeferralHypothetical example: $100K at 3% grows to $180,611 after 20 years (vs. $149,765 taxable)

Purchase-Payment Guarantee100% of principal protection

Flexible WithdrawalsAccess starting as soon as 30 days after contract issue

Best for: Retirees and near-retirees who prioritize safety and predictable income over mar...

Index Advisory

Principal Protection100% protected

Protected Growth. Market-Linked Returns. Lifetime Income.

Interest-Crediting Options3 core options

Guaranteed Rate Period5 or 7 years

Tax-Deferred GrowthSignificant tax advantage

Best for: Conservative-to-moderate investors within 5-7 years of retirement who want princ...

Index Edge

Guaranteed Minimum Surrender Value87.5–91% of purchase payments

Protected growth with index participation, no market risk

Flexible Withdrawal Charge Periods5, 7, or 10 years

Annual Penalty-Free Withdrawal10% per year

Multiple Interest-Crediting Options1 fixed + 4 index-linked options

Best for: Retirees and near-retirees age 85 or younger who want principal protection with ...

Pacific Advisory Fixed Indexed Annuity

Principal Protection100% protected from market losses

Protected Growth + Index Upside with No Market Risk

Index-Linked Interest OptionsCustomizable annually on contract anniversaries

Fixed Account OptionRate guaranteed for one contract year

Tax-Deferred GrowthContinuous compounding until withdrawal

Best for: Conservative investors nearing or in retirement who want principal protection, t...

Guarantee Term Options3-year or 5-year terms

Pacific Harbor

Multi-Year Guaranteed

Guaranteed growth. No market risk. No surrender charges.

No Surrender Charges0% surrender charges

Interest Rate BreakpointsLess than $200k or $200k+

Tax-Deferred GrowthTax-deferred until withdrawal

Best for: People nearing or in retirement who want guaranteed growth without market risk a...

Pacific Index Dimensions

Principal Protection87.5% of purchase payments

Index-Linked Growth with Principal Guarantee

Index-Linked Interest Crediting14 index options available

No Annual Fees$0 annual fees

Flexible Withdrawal Charges7 or 10-year options

Best for: Retirement investors who want index-linked growth potential with guaranteed prin...

Pacific Index Foundation

Principal ProtectionGuaranteed minimum surrender value = 91% of purchase payments

Protected Growth + Index Upside + Lifetime Income

Interest-Crediting OptionsCap-based or declared rate method available

Index ChoicesTwo index options; can split allocation

Initial Guaranteed PeriodAligns with withdrawal charge schedule

Best for: Conservative-to-moderate investors within 5-10 years of retirement who want prin...

Pacific Index Foundation 2

Principal ProtectionGuaranteed minimum surrender value

Protected growth linked to market indexes—no market risk

Index-Linked Growth Options6 indexes available with various crediting methods

Fixed Account OptionRate locked in at issue for 1, 5, 7, or 10 years

Tax DeferralExample: $100k grows to $212,424 after-tax in 20 years vs. $195,169 taxable

Best for: Retirees and near-retirees seeking principal protection, tax-deferred growth, an...

Pacific Index Income

Index-Linked Growth Options6 indexes

Protected Growth + Guaranteed Lifetime Income

Principal Protection

Interest-Crediting Options5 options

Lifetime Income Creator1.00% annual fee

Best for: Retirees or near-retirees seeking protected principal, tax-deferred growth, and ...

Standard Product

RMD Reduction$41,409 cumulative tax savings example (ages 70-84)

Lower taxes now. Guaranteed income later.

Maximum Purchase Limit$125,000 or 25% of IRA balance

Income Start DateDeferrable up to age 85

Guaranteed Lifetime IncomeExample: $37,673 annually starting at age 85

Best for: Retirees age 50+ with substantial IRA balances who want to reduce current taxes,...

Standard Product

QLAC Purchase Limit$125,000 maximum

Guaranteed lifetime income + lower taxes with QLAC

RMD DeferralRMDs deferred up to age 85

Guaranteed IncomeLifetime payments

Flexible Payment StartUp to age 85

Best for: Retirees age 50+ with substantial IRA assets who don't need immediate income, wa...

Financial Ratings

Live from CANNEX

Rating Agency

A.M. Best

Rating

Description

Excellent

Effective

November 11, 2024

Rating Agency

Fitch

Rating

AA-

Description

Very strong

Effective

August 8, 2025

Rating Agency

Moody's

Rating

Aa3

Description

Excellent

Effective

November 6, 2025

Rating Agency

Standard & Poor's

Rating

AA-

Description

Very strong

Effective

April 3, 2025

Rating Analysis

Pacific Life Insurance Company, headquartered in Newport Beach, California, is one of the oldest and most financially strong carriers in the U.S. annuity market. With over 150 years of history and strong ratings from A.M. Best (A+), S&P (AA-), and Moody's (A1), Pacific Life offers a comprehensive lineup of fixed, indexed, and variable annuity products for both accumulation and income.

Pacific Life Products

Fixed Indexed Annuities

Explore Pacific Life fixed indexed annuity products with current rates and features.

Multi-Year Guaranteed Annuities

Compare Pacific Life MYGA products with guaranteed rates and terms.

Immediate Annuities (SPIA)

View Pacific Life single premium immediate annuity options.

Deferred Income Annuities (DIA)

Explore Pacific Life deferred income and QLAC products.