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Fixed Indexed Annuity

Pacific Advisory Fixed Indexed Annuity

Pacific Life

10%

Free W/D

50

Available jurisdictions

Product data status: July 31, 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.

rate data

Run numbers for Pacific Advisory Fixed Indexed Annuity

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

Available only in Alaska, Alabama, Arkansas, Arizona, California, Colorado, Connecticut, District of Columbia, Delaware, Florida, Georgia, Hawaii, Iowa, Idaho, Illinois, Indiana, Kansas, Kentucky, Louisiana, Massachusetts, Maryland, Maine, Michigan, Minnesota, Missouri, Mississippi, Montana, North Carolina, North Dakota, Nebraska, New Hampshire, New Jersey, New Mexico, Nevada, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Vermont, Washington, Wisconsin, West Virginia, Wyoming

rates are shown when this state is selected. This product is state-restricted, and the available data does not include rates for the selected scenario.

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

All crediting strategies

Growth rate not published for this product

The current product information does not publish a growth rate for this index. Other product facts shown on this page remain available; confirm current crediting terms with the carrier before purchase.

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.

Linked review

Pacific Advisory Fixed Indexed Annuity review notes

Discover the best Pacific Life annuities for your financial goals. Expert analysis on variable, fixed, indexed, and immediate annuity options.

AnnuityRatesHQ Editorial Team

Common questions about Pacific Advisory Fixed Indexed Annuity

Can I lose money in Pacific Advisory Fixed Indexed Annuity?

A negative index return by itself does not reduce the contract's account value: Pacific Advisory Fixed Indexed Annuity 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.

Key Features

Free withdrawal

10%/yr

Annual amount that may be available without surrender charges, subject to contract terms.

Death benefit

Standard Death Benefit

Beneficiary value depends on contract terms, withdrawals, and rider elections.

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 0

0%

After

0%

Documents

product guide

pacific-advisory-fixed-indexed-annuity-brochure-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

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

Verification note

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

Carrier materials such as pacific-advisory-fixed-indexed-annuity-brochure-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 a Pacific Advisory Fixed Indexed Annuity rate report

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

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