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Fixed Indexed Annuity

Index Edge

Pacific Life

8.5%

Best Cap

10%

Free W/D

50

Jurisdictions

Product data status: updated regularly

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.

Live product data

Rates as of June 12, 2026, based on the latest AdvisorWorld scan of CANNEX data.

GLWB lifetime payout rate

5% lifetime payout

Index Edge is a ten-year-surrender, A+-rated FIA from Pacific Life built around an optional GLWB rider — the Interest Enhanced Income Benefit — with a published lifetime withdrawal rate at a ten-year deferral, paired with a crediting menu that pairs an S&P 500 annual point-to-point cap against a broader lineup of participation-rate strategies on proprietary indexes.

1% annual rider feeRMD-friendly income ridersAdvisorWorld + CANNEX data

Best fit

Buyers who want lifetime income from a published, optional GLWB rider on an A+-rated carrier, are comfortable with a ten-year deferral and a ten-year surrender ladder, want a recognizable S&P 500 cap as a comparable accumulation point alongside the rider, and need RMD-friendly rider income for qualified retirement money.

AM Best

A+ Superior

Surrender period

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

8.5% cap rate

Rate varies by premium band.

S&P 500

S&P 500 Index

100% participation rate + 7.25% declared rate

Rate varies by premium band.

S&P 500

S&P 500 Index

56% participation rate + 2% spread

Rate varies by premium band.

Fixed Account

Fixed Account

4.3% declared rate

Rate varies by premium band.

+ 1 volatility-controlled index option (BlackRock)

Lifetime Income Riders

Income rider

Interest Enhanced Income Benefit (IEIB)

RMD friendly
Lifetime payout rate5% 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 Interest Enhanced Income Benefit (IEIB) — with a published withdrawal rate, so the income figure on this page is directly comparable to other rider-led FIAs on the site.
  • The IEIB 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.
  • Crediting menu includes both a recognizable S&P 500 annual point-to-point cap and parallel S&P 500 strategies offered with explicit spread/fee terms (the BlackRock Endura Index and other proprietary participation-rate strategies), so a buyer can hold a like-for-like S&P 500 cap alongside higher-participation alternatives inside the same 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 IEIB 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.
  • The rider's published withdrawal rate is tied to a ten-year deferral period and a minimum issue age (59 on the live feed), so the headline payout figure assumes the buyer waits the full deferral window before turning income on — early income elections will not produce the same rate.
  • Some of the S&P 500 strategies on the menu are offered in two parallel forms — a no-fee cap and a higher-published-cap version with an explicit spread or strategy fee. Compare against other FIAs using the no-fee cap, not the fee-bearing one; the higher number is paid for with a deduction taken regardless of index performance.
  • Surrender lockup runs the full ten 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 need short-surrender liquidity, want a rider-fee-free Protected Income Value chassis, want a premium bonus on day one, want a stepped-up or rollup-enhanced death benefit, expect the rider's withdrawal rate at deferrals shorter than ten years, or want a plain MYGA-style declared rate — those are not what this contract is built to deliver.

All crediting strategies

View rate listings (5 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: 152% + Spread: 0% · 1-yr

BlackRock Endura Index

$100,000+

Par: 100% + Fixed: 7.25% · 1-yr

S&P 500 Index

$100,000+

Par: 56% + Spread: 2% · 1-yr

S&P 500 Index

$100,000+

Cap: 8.5% · 1-yr

S&P 500 Index

$100,000+

Fixed: 4.3% · 1-yr

Fixed Account

$100,000+

Income riders

Income rider

Interest Enhanced Income Benefit (IEIB)

RMD friendly
Lifetime withdrawal rate5%
Annual rider fee1%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age59 — 120

GLWB

Linked review

Index Edge review notes

Discover the Pacific Life Index Edge Fixed Indexed Annuity, discussing its features, benefits, interest crediting methods, and potential drawbacks.

3.8/5Read review
Review rating details3.8/5
Financial strength5/5
Return potential4/5
Income and benefits3/5
Free benefits, liquidity, and costs3/5
Transparency and service4/5

CFA take

“Offers a balanced mix of accumulation potential and optional income and legacy planning, supported by principal protection, indexed growth strategies, and riders that enhance retirement flexibility. Its modular design allows investors to tailor the contract toward growth, income, or death benefit objectives, making it a versatile solution across different retirement needs.”

Nikhil Bhauwala

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.

Strategy guarantee

Minimum guaranteed cap: 2.95%

Strategy guarantee

Minimum guaranteed declared rate: 2.95%

Strategy guarantee

Guaranteed minimum interest rate (fixed): 2.70%

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

9%

Yr 2

9%

Yr 3

8%

Yr 4

7%

Yr 5

6%

Yr 6

5%

Yr 7

4%

Yr 8

3%

Yr 9

2%

Yr 10

1%

After

0%

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

Documents

product guide

pacific-index-edge-fact-sheet.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 Edge currently shows 5 indexed or fixed crediting options, including S&P 500 Index and Fixed Account, with 1 volatility-controlled index option 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: 8.5% cap
  • S&P 500 Index: 100% participation
  • S&P 500 Index: 56% participation

Income rider language

What to look for before treating the rider as income

Interest Enhanced Income Benefit (IEIB) 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.

  • 5% withdrawal rate
  • 1% rider fee
  • RMD friendly

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
  • 10 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-edge-fact-sheet.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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