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Fixed Indexed Annuity

Pacific Advisory Fixed Indexed Annuity

Pacific Life

9.5%

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.

S&P 500 annual point-to-point cap

9.5% cap on S&P 500

Pacific Advisory Fixed Indexed Annuity is an advisor-class (fee-based), no-surrender-charge 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 — designed to be held inside a fee-only advisory account.

1-year termAdvisorWorld + 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 with no surrender charge schedule, are comfortable with a market-value adjustment on early exits, and do not need a contractual lifetime-income rider on this particular contract.

AM Best

A+ Superior

Free withdrawal

10%/yr

Availability

50 jurisdictions (excl. New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

9.5% cap rate

Rate varies by premium band.

S&P 500

S&P 500 Index

100% participation rate + 8% declared rate

Rate varies by premium band.

Fixed Account

Fixed Account

3.75% declared rate

Rate varies by premium band.

+ 2 volatility-controlled index options (MSCI EAFE...)

Product analyst notes

How to think about this contract

Why it can stand out

  • No surrender period on the published filing — the contract is structured for fee-based advisory accounts, so a buyer can exit without a surrender charge (subject to the standard market-value adjustment), which is materially different from the seven-to-ten-year lockups typical of retail FIAs.
  • 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 contract does not rest on a single niche-market carrier.
  • Both qualified and non-qualified funding are supported and the strategy-protection floor publishes contractual minimums on cap, declared, and fixed rates, so the downside posture of the contract is visible from the published terms.

What to confirm

  • The published filing carries a market-value adjustment — exiting principal at an interest-rate disadvantage can still produce a reduced surrender value even though there is no surrender charge per se. Confirm how the MVA is calculated against your liquidity plan before treating the no-surrender structure as full liquidity.
  • 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. 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 (including MVA adjustment).
  • 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.

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, treat the no-surrender structure as unconditional liquidity (the MVA still applies), or cannot work through a fee-based advisor — those are not what this filing 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: 100% + Fixed: 8% · 1-yr

S&P 500 Index

Up to $249,999.99

Par: 100% + Fixed: 8.25% · 1-yr

MSCI EAFE Index

Up to $249,999.99

Cap: 9.75% · 1-yr

MSCI EAFE Index

Up to $249,999.99

Cap: 9.5% · 1-yr

S&P 500 Index

Up to $249,999.99

Fixed: 3.75% · 1-yr

Fixed Account

Up to $249,999.99

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.

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.

5/5Read review
AnnuityRatesHQ Editorial Team

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.

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 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

Crediting design

How the interest-crediting choices are framed

Pacific Advisory Fixed Indexed Annuity currently shows 5 indexed or fixed crediting options, including S&P 500 Index and Fixed Account, with 2 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.

  • S&P 500 Index: 9.5% cap
  • S&P 500 Index: 100% participation
  • Fixed Account: 3.75% fixed

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

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