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Fixed Indexed Annuity

Index Edge

Pacific Life

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8.5%

Best S&P 500 Annual Cap

10%

Free W/D

50

Jurisdictions

Product data status: July 13, 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 Edge 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
$300,821
Est. value at age 80 (Index Edge)
8.5%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 8.5% Cap (Annual)
✦
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 Edge's published cap rate (8.5% 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. Not a projection, quote, or guarantee. Live CANNEX rates as of July 13, 2026.

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

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Live rate data

Run live numbers for Index Edge

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.

GLWB lifetime payout rate

5% lifetime payout + 5.5% roll-up

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 feeAdvisorWorld + 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 options

5, 7, and 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

Annual cap

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

Rate varies by premium band.

S&P 500

S&P 500 Index

8.5% cap rate

Annual cap

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

Rate varies by premium band.

S&P 500

S&P 500 Index

8.5% cap rate

Annual cap

1-year term · 10-year surrender · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

7.55% trigger rate

Performance trigger

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

Rate varies by premium band.

S&P 500

S&P 500 Index

7.55% trigger rate

Performance trigger

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

Rate varies by premium band.

S&P 500

S&P 500 Index

7.55% trigger rate

Performance trigger

1-year term · 10-year surrender · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

54% participation rate + 2% spread

Participation

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

Rate varies by premium band.

S&P 500

S&P 500 Index

55% participation rate + 2% spread

Participation

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

Rate varies by premium band.

S&P 500

S&P 500 Index

56% participation rate + 2% spread

Participation

1-year term · 10-year surrender · $100,000+

Rate varies by premium band.

Fixed Account

Fixed Account

4% declared rate

Fixed account

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

Rate varies by premium band.

Fixed Account

Fixed Account

4.25% declared rate

Fixed account

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

Rate varies by premium band.

Fixed Account

Fixed Account

4.3% declared rate

Fixed account

1-year term · 10-year surrender · $100,000+

Rate varies by premium band.

+ 6 additional crediting options (BlackRock...)

Lifetime Income Riders

Income rider

Interest Enhanced Income Benefit (IEIB)

Lifetime payout rate5% lifetime payout
Annual rider fee1% annual rider fee
Guaranteed roll-up5.5%/yr

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.

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

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All crediting strategies

View rate listings (24 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: 150% + Spread: 0% · 1-yr

BlackRock Endura Index

participation

5-yr surrender$100,000+

Par: 54% + Spread: 2% · 1-yr

S&P 500 Index

participation

5-yr surrender$100,000+

Cap: 8.5% · 1-yr

S&P 500 Index

cap

5-yr surrender$100,000+

Trigger: 7.55% · 1-yr

S&P 500 Index

trigger

5-yr surrender$100,000+

Fixed: 4% · 1-yr

Fixed Account

fixed

5-yr surrender$100,000+

Par: 147% + Spread: 0% · 1-yr

BlackRock Endura Index

participation

5-yr surrenderUp to $99,999.99

Par: 52% + Spread: 2% · 1-yr

S&P 500 Index

participation

5-yr surrenderUp to $99,999.99

Cap: 7.3% · 1-yr

S&P 500 Index

cap

5-yr surrenderUp to $99,999.99

Trigger: 6.7% · 1-yr

S&P 500 Index

trigger

5-yr surrenderUp to $99,999.99

Fixed: 3.7% · 1-yr

Fixed Account

fixed

5-yr surrenderUp to $99,999.99

Par: 151% + Spread: 0% · 1-yr

BlackRock Endura Index

participation

7-yr surrender$100,000+

Par: 55% + Spread: 2% · 1-yr

S&P 500 Index

participation

7-yr surrender$100,000+

Fixed: 4.25% · 1-yr

Fixed Account

fixed

7-yr surrender$100,000+

Par: 148% + Spread: 0% · 1-yr

BlackRock Endura Index

participation

7-yr surrenderUp to $99,999.99

Par: 53% + Spread: 2% · 1-yr

S&P 500 Index

participation

7-yr surrenderUp to $99,999.99

Cap: 7.6% · 1-yr

S&P 500 Index

cap

7-yr surrenderUp to $99,999.99

Trigger: 6.8% · 1-yr

S&P 500 Index

trigger

7-yr surrenderUp to $99,999.99

Par: 152% + Spread: 0% · 1-yr

BlackRock Endura Index

participation

10-yr surrender$100,000+

Par: 56% + Spread: 2% · 1-yr

S&P 500 Index

participation

10-yr surrender$100,000+

Fixed: 4.3% · 1-yr

Fixed Account

fixed

10-yr surrender$100,000+

Par: 149% + Spread: 0% · 1-yr

BlackRock Endura Index

participation

10-yr surrenderUp to $99,999.99

Cap: 7.65% · 1-yr

S&P 500 Index

cap

10-yr surrenderUp to $99,999.99

Trigger: 6.85% · 1-yr

S&P 500 Index

trigger

10-yr surrenderUp to $99,999.99

Fixed: 4.05% · 1-yr

Fixed Account

fixed

10-yr surrenderUp to $99,999.99

Income riders

Income rider

Interest Enhanced Income Benefit (IEIB)

Lifetime withdrawal rate5%
Annual rider fee1%
Guaranteed roll-up5.5%/yr

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

Common questions about Index Edge

● Can I lose money in Index Edge?

A negative index return by itself does not reduce the contract's account value: Index Edge 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.

● Is the Interest Enhanced Income Benefit (IEIB) income rider worth the 1% fee?

It depends on whether you will use the guaranteed income. If you are accumulating only, you can skip it. If you want guaranteed lifetime income later, the 5.5% roll-up and 5% withdrawal rate can make it worthwhile — model it in the Income tab of the analyzer above.

● 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 10 years; after that you reach full liquidity. The Liquidity tab of the analyzer shows the year-by-year surrender charge.

● How do Index Edge's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current Index Edge 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

15.00%

Minimum guaranteed participation rate for participation-rate indexed strategies.

Maximum spread

8.00%

Maximum spread: 8.00%

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 21 distinct indexed or fixed crediting choices across 30 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: 8.5% annual cap
  • S&P 500 Index: 7.3% annual cap
  • S&P 500 Index: 7.6% annual cap
  • S&P 500 Index: 7.65% annual cap

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

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

Free Comparison Report

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

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