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. Negative index performance does not produce a negative index credit. Fees, withdrawals and surrender charges can reduce contract value.
Product analyzer
Illustrative — live CANNEX rates as of October 2, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$300,821
Gross crediting illustration at age 80 (Index Edge)
Excludes the 1% annual Interest Enhanced Income Benefit (IEIB) charge (income option; applicability depends on contract terms); 1% annual Interest Enhanced Income Benefit (IEIB) charge (income option; applicability depends on contract terms). This is not a net contract value.
8.5%
Best S&P 500 1-yr point-to-point cap
Gross crediting illustration for each line; excludes the 1% annual Interest Enhanced Income Benefit (IEIB) charge (income option; applicability depends on contract terms); 1% annual Interest Enhanced Income Benefit (IEIB) charge (income option; applicability depends on contract terms).
S&P 500 Index — 8.5% Cap (Annual)
✦
How crediting works: the cap limits positive index returns; a down index year has 0% index credit before rider charges. This illustration deducts no rider charge and is not a net contract value. 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. Gross crediting only: this illustration excludes the 1% annual Interest Enhanced Income Benefit (IEIB) charge (income option; applicability depends on contract terms); 1% annual Interest Enhanced Income Benefit (IEIB) charge (income option; applicability depends on contract terms) reported in the source. Applicable rider charges depend on contract terms; their deduction bases are not modeled. Each listed charge is not deducted, and no net contract value is shown. Not a projection, quote, or guarantee. Live CANNEX rates as of October 2, 2026.
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rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Pacific Life product.
Live product data
Rates as of October 2, 2026, from AdvisorWorld and CANNEX.
GLWB lifetime payout rate
5% lifetime payout + 5.5%/yr · simple · for up to 10 years 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 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 options
5, 7, and 10 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
8.5% cap rate
Rate effective Oct 1, 2026
Annual point-to-point
Requested state: TX
1-year term · 5-year surrender · $100,000+
1-year term
5-year surrender
$100,000+
S&P 500
S&P 500 Index
8.5% cap rate
Rate effective Oct 1, 2026
Annual point-to-point
Requested state: TX
1-year term · 7-year surrender · $100,000+
1-year term
7-year surrender
$100,000+
S&P 500
S&P 500 Index
8.5% cap rate
Rate effective Oct 1, 2026
Annual point-to-point
Requested state: TX
1-year term · 10-year surrender · $100,000+
1-year term
10-year surrender
$100,000+
S&P 500
S&P 500 Index
7.55% trigger rate
Rate effective Oct 1, 2026
Performance trigger
Requested state: TX
1-year term · 5-year surrender · $100,000+
1-year term
5-year surrender
$100,000+
S&P 500
S&P 500 Index
7.55% trigger rate
Rate effective Oct 1, 2026
Performance trigger
Requested state: TX
1-year term · 7-year surrender · $100,000+
1-year term
7-year surrender
$100,000+
S&P 500
S&P 500 Index
7.55% trigger rate
Rate effective Oct 1, 2026
Performance trigger
Requested state: TX
1-year term · 10-year surrender · $100,000+
1-year term
10-year surrender
$100,000+
S&P 500
S&P 500 Index
54% participation rate + 2% spread
Rate effective Oct 1, 2026
Annual point-to-point
Requested state: TX
1-year term · 5-year surrender · $100,000+
1-year term
5-year surrender
$100,000+
S&P 500
S&P 500 Index
55% participation rate + 2% spread
Rate effective Oct 1, 2026
Annual point-to-point
Requested state: TX
1-year term · 7-year surrender · $100,000+
1-year term
7-year surrender
$100,000+
S&P 500
S&P 500 Index
56% participation rate + 2% spread
Rate effective Oct 1, 2026
Annual point-to-point
Requested state: TX
1-year term · 10-year surrender · $100,000+
1-year term
10-year surrender
$100,000+
Fixed Account
Fixed Account
4% declared rate
Rate effective Oct 1, 2026
Fixed account
Requested state: TX
1-year term · 5-year surrender · $100,000+
1-year term
5-year surrender
$100,000+
Fixed Account
Fixed Account
4.25% declared rate
Rate effective Oct 1, 2026
Fixed account
Requested state: TX
1-year term · 7-year surrender · $100,000+
1-year term
7-year surrender
$100,000+
Fixed Account
Fixed Account
4.3% declared rate
Rate effective Oct 1, 2026
Fixed account
Requested state: TX
1-year term · 10-year surrender · $100,000+
1-year term
10-year surrender
$100,000+
+ 3 additional crediting options (BlackRock...)
Lifetime Income Riders
Income rider
Interest Enhanced Income Benefit (IEIB)
RMD friendly
Lifetime payout rate5% lifetime payout
Annual rider fee1% annual rider fee
Guaranteed roll-up5.5%/yr · simple · for up to 10 years
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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“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.”
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 the published rider fee, withdrawals, surrender charges, 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 published roll-up (5.5%/yr · simple · for up to 10 years) 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 scheduled surrender charges run 10 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 Edge's crediting strategies compare?
Use "Compare against" in the analyzer to overlay another available 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
3.20%
Minimum guaranteed cap for cap-based indexed strategies.
Declared-rate floor
3.20%
Minimum guaranteed declared rate for declared-rate or performance-trigger strategies.
Fixed account guarantee
2.95%
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
Certain period, Joint life, Single life
Published payout options from the normalized contract facts.
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
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+
FitchAA-
Moody'sAa3
S&PAA-
Contract notes from product data
Crediting design
How the interest-crediting choices are framed
Index Edge currently shows 22 indexed or fixed crediting options, including S&P 500 Index, with 6 volatility-controlled index options 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.
What to look for before treating the rider as income
Interest Enhanced Income Benefit (IEIB) is the main income rider listed 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
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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