Annuity rate data updated daily

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

Fixed Indexed Annuity

Index Advisory

Pacific Life

Get my rate report

10%

Free W/D

50

Available jurisdictions

Product data status: August 21, 2026

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

Model this product

See what Index Advisory would do for you

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

Product analyzer
Illustrative — live CANNEX rates as of August 21, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$118,374
Est. value at age 80 (Index Advisory)
2
Broad-market strategies
S&P 500 Index — 8.8% Cap (Annual · 7-yr term)
✦
How crediting works: the cap limits positive index returns; a down year credits 0%, never a loss. A cap strategy tracks the index within its terms. What is a cap vs participation? →
Assumptions: illustrative — applies Index Advisory's published cap rate (8.8% on S&P 500 Index) to a standard benchmark hypothetical index path (~5.4%/yr average, including down years) with a 0% floor over 20 years; 7-year credits are applied only at completed term anniversaries. Not a projection, quote, or guarantee. Live CANNEX rates as of August 21, 2026.

Free Comparison Report

Get an Index Advisory rate report

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

Get my rate report

rate data

Run numbers for Index Advisory

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

Live product data

Rates as of August 21, 2026, from AdvisorWorld and CANNEX.

S&P 500 annual point-to-point cap

100% participation on S&P 500

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

5-year term5-year surrender$100,000+AdvisorWorld + CANNEX data

Best fit

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

AM Best

A+ Superior

Surrender options

5 and 7 years

Free withdrawal

10%/yr

Availability

50 jurisdictions (excl. New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

8.75% cap rate

Annual cap

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

Rate varies by premium band.

S&P 500

S&P 500 Index

100% participation rate + 8.25% declared rate

Participation

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

Rate varies by premium band.

S&P 500

S&P 500 Index

8.8% cap rate

Annual cap

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

Rate varies by premium band.

S&P 500

S&P 500 Index

100% participation rate + 8.35% declared rate

Participation

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

Rate varies by premium band.

Fixed Account

Fixed Account

4.25% declared rate

Fixed account

5-year term · 5-year surrender · Does not vary by premium

Fixed Account

Fixed Account

4.35% declared rate

Fixed account

7-year term · 7-year surrender · Does not vary by premium

+ 8 additional crediting options (MSCI EAFE...)

Product analyst notes

How to think about this contract

Why it can stand out

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

What to confirm

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

Not ideal for

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

Free Comparison Report

Get an Index Advisory rate report

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

Get my rate report

All crediting strategies

View rate listings (18 strategies)

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

Par: 100% + Declared: 8.25% · 5-yr

S&P 500 Index

trigger

5-yr surrender$100,000+

Par: 100% + Declared: 8.25% · 5-yr

MSCI EAFE Index

trigger

5-yr surrender$100,000+

Cap: 8.75% · 5-yr

S&P 500 Index

cap

5-yr surrender$100,000+

Cap: 8.75% · 5-yr

MSCI EAFE Index

cap

5-yr surrender$100,000+

Fixed: 4.25% · 5-yr

Fixed Account

fixed

5-yr surrenderDoes not vary by premium

Par: 100% + Declared: 7.4% · 5-yr

S&P 500 Index

trigger

5-yr surrenderUp to $99,999.99

Par: 100% + Declared: 7.4% · 5-yr

MSCI EAFE Index

trigger

5-yr surrenderUp to $99,999.99

Cap: 7.65% · 5-yr

S&P 500 Index

cap

5-yr surrenderUp to $99,999.99

Cap: 7.65% · 5-yr

MSCI EAFE Index

cap

5-yr surrenderUp to $99,999.99

Par: 100% + Declared: 8.35% · 7-yr

S&P 500 Index

trigger

7-yr surrender$100,000+

Par: 100% + Declared: 8.35% · 7-yr

MSCI EAFE Index

trigger

7-yr surrender$100,000+

Cap: 8.8% · 7-yr

S&P 500 Index

cap

7-yr surrender$100,000+

Cap: 8.8% · 7-yr

MSCI EAFE Index

cap

7-yr surrender$100,000+

Fixed: 4.35% · 7-yr

Fixed Account

fixed

7-yr surrenderDoes not vary by premium

Par: 100% + Declared: 7.95% · 7-yr

S&P 500 Index

trigger

7-yr surrenderUp to $99,999.99

Par: 100% + Declared: 7.95% · 7-yr

MSCI EAFE Index

trigger

7-yr surrenderUp to $99,999.99

Cap: 8.25% · 7-yr

S&P 500 Index

cap

7-yr surrenderUp to $99,999.99

Cap: 8.25% · 7-yr

MSCI EAFE Index

cap

7-yr surrenderUp to $99,999.99

Accumulation profile

Accumulation-focused contract

The CANNEX information identifies this product as tax-deferred accumulation. Compare cap, participation rate, fees, liquidity, and surrender terms; use a separate payout-focused contract when guaranteed payout mechanics are required.

Common questions about Index Advisory

● Can I lose money in Index Advisory?

A negative index return by itself does not reduce the contract's account value: Index Advisory credits 0% — the floor — for that indexed period. The account value can still decrease from applicable rider fees, Performance Rate Rider or other strategy charges, administrative charges, withdrawals, surrender charges, or other contract-specific deductions. In years with no credited interest, those deductions can reduce the account value. Up to 10% of your value can be withdrawn each year without a charge; withdrawals above the penalty-free amount during the surrender period can incur a surrender charge.

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

Up to 10% of your account value each year is penalty-free. The scheduled surrender charges run 7 years; after that the surrender-charge schedule ends. Bonus vesting, market value adjustments when applicable, and other contract rules can still affect the amount available. The Liquidity tab of the analyzer shows the year-by-year surrender charge.

● How do Index Advisory's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another available Index Advisory strategy on the same premium, age, years, and hypothetical index path. The control labels the strategy type, rate, index, and context so caps, participation rates, triggers, spreads, and fixed-account choices are not treated as interchangeable.

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.

Cap-rate floor

2.95%

Minimum guaranteed cap for cap-based indexed strategies.

Declared-rate floor

2.95%

Minimum guaranteed declared rate for declared-rate or performance-trigger strategies.

Fixed account guarantee

2.70%

Guaranteed minimum interest rate for the fixed account.

Participation-rate floor

100.00%

Minimum guaranteed participation rate for participation-rate indexed strategies.

Annuitization options

Single and joint

Contract conversion options should be confirmed before purchase.

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

Surrender schedule

Yr 1

7%

Yr 2

6%

Yr 3

5%

Yr 4

4%

Yr 5

3%

Yr 6

2%

Yr 7

1%

After

0%

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

Documents

product guide

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

Confidence: highReviewed Apr 6, 2026

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

Carrier Ratings

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

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

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

  • S&P 500 Index: 8.75% 5-year cap
  • S&P 500 Index: 7.65% 5-year cap
  • S&P 500 Index: 100% 5-year participation rate
  • S&P 500 Index: 8.8% 7-year 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
  • 7 surrender years
  • Nursing home waiver
  • RMD waiver
  • Terminal illness waiver

Verification note

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

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

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

Free Comparison Report

Get an Index Advisory rate report

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

Get my rate report

Related Resources

Machine-readable citation contract

Cite this

Cite this page for its methodology or interpretation. Current figures may refresh, so this canonical page URL is not a frozen data citation. To quote a market statistic, use the citation showing its observed as-of date and immutable JSON verification URL published by the Annuity Rate Statistics hub. Bulk product-level CANNEX records are not licensed for redistribution.

Page citation: Source: AnnuityRatesHQ · https://annuityrateshq.com/providers/pacific-life/fia/index-advisory

Full attribution terms and copy-ready HTML: annuityrateshq.com/cite-us