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 July 13, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$118,374
Est. value at age 80 (Index Advisory)
2
Broad-market strategies
MSCI EAFE 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 MSCI EAFE Index) to a calibrated proprietary/volatility-controlled hypothetical index path (~1.9%/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 July 13, 2026.
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See how Index Advisory compares for your age, state, premium, and income goals alongside other Pacific Life fixed indexed annuity options.
Current rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Pacific Life product.
Live product data
Rates as of July 13, 2026, based on the latest AdvisorWorld scan of CANNEX data.
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
Caps, participation rates, and declared rates are shown separately.
Index / strategyRate mechanicsCreditingSurrenderPremium
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.
5-year term
5-year surrender
$100,000+
S&P 500
S&P 500 Index
100% participation rate + 8.5% declared rate
Participation
5-year term · 5-year surrender · $100,000+
Rate varies by premium band.
5-year term
5-year surrender
$100,000+
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.
7-year term
7-year surrender
$100,000+
S&P 500
S&P 500 Index
100% participation rate + 8.6% declared rate
Participation
7-year term · 7-year surrender · $100,000+
Rate varies by premium band.
7-year term
7-year surrender
$100,000+
Fixed Account
Fixed Account
4.25% declared rate
Fixed account
5-year term · 5-year surrender · Premium band not shown
5-year term
5-year surrender
Premium band not shown
Fixed Account
Fixed Account
4.35% declared rate
Fixed account
7-year term · 7-year surrender · Premium band not shown
7-year term
7-year surrender
Premium band not shown
+ 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 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.
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 filing is built to deliver.
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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% + Declared: 8.5% · 5-yr
S&P 500 Index
trigger
5-yr surrender$100,000+
Par: 100% + Declared: 8.5% · 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 surrender
Par: 100% + Declared: 7.65% · 5-yr
S&P 500 Index
trigger
5-yr surrenderUp to $99,999.99
Par: 100% + Declared: 7.65% · 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: 8.6% · 7-yr
S&P 500 Index
trigger
7-yr surrender$100,000+
Par: 100% + Declared: 8.6% · 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 surrender
Par: 100% + Declared: 8.2% · 7-yr
S&P 500 Index
trigger
7-yr surrenderUp to $99,999.99
Par: 100% + Declared: 8.2% · 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
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.
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 surrender period runs 7 years; after that you reach full liquidity. 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 current 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
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 current rate listings, 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
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See how Index Advisory compares for your age, state, premium, and income goals alongside other Pacific Life fixed indexed annuity options.