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Fixed Indexed Annuity

Pacific Index Dimensions

Pacific Life

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7.65%

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 Pacific Index Dimensions 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
$150,842
Est. value at age 80 (Pacific Index Dimensions)
7.65%
Best S&P 500 1-yr point-to-point cap
MSCI EAFE Index — 7.65% 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 Pacific Index Dimensions's published cap rate (7.65% on MSCI EAFE Index) to a calibrated proprietary/volatility-controlled hypothetical index path (~1.9%/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 Pacific Index Dimensions 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 Pacific Index Dimensions

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.

S&P 500 annual point-to-point cap

7.65% cap on S&P 500

Pacific Index Dimensions is a ten-year-surrender, A+-rated FIA from Pacific Life with a broad crediting menu — annual point-to-point caps and participation strategies on the S&P 500, MSCI EAFE, and proprietary volatility-controlled indexes — and no income rider on the contract.

1-year term10-year surrender$100,000+AdvisorWorld + CANNEX data

Best fit

Accumulation-focused buyers comfortable with a ten-year deferral from an A+-rated carrier who want a broad crediting menu spanning a recognizable S&P 500 cap and multiple proprietary participation-rate indexes inside one contract, and do not need a contractual lifetime-income rider on this filing.

AM Best

A+ Superior

Surrender options

7 and 10 years

Free withdrawal

10%/yr

Availability

50 jurisdictions (excl. New York)

Featured crediting strategies

Featured rows use the selected state rate set. The full listing below labels the other CANNEX state-rate variants separately.

Index / strategyRate mechanics

S&P 500

S&P 500 Index

7.45% cap rate

Annual cap

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

Rate varies by premium band.

S&P 500

S&P 500 Index

7.65% cap rate

Annual cap

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

Rate varies by premium band.

S&P 500

S&P 500 Index

6.25% trigger rate

Performance trigger

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

Rate varies by premium band.

S&P 500

S&P 500 Index

6.4% trigger rate

Performance trigger

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

Rate varies by premium band.

S&P 500

S&P 500 Index

39% participation rate + 0% spread

Participation

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

Rate varies by premium band.

S&P 500

S&P 500 Index

40% participation rate + 0% spread

Participation

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

Rate varies by premium band.

Fixed Account

Fixed Account

3.4% declared rate

Fixed account

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

Rate varies by premium band.

Fixed Account

Fixed Account

3.5% declared rate

Fixed account

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

Rate varies by premium band.

+ 20 additional crediting options (MSCI EAFE, BlackRock...)

Product analyst notes

How to think about this contract

Why it can stand out

  • Wide crediting menu — multiple indexes (S&P 500, MSCI EAFE, and proprietary volatility-controlled indexes) are offered in parallel annual point-to-point cap, no-cap participation, and spread forms, so a buyer can hold several allocation buckets inside one contract.
  • A recognizable, no-fee S&P 500 annual point-to-point cap is available on the menu, so a buyer has at least one strategy whose terms line up directly with the broader FIA market and can be compared like-for-like against competing contracts.
  • 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.
  • 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 rather than inferred from marketing language.

What to confirm

  • Most of the crediting strategies on this menu are participation-rate options on proprietary volatility-controlled indexes — their headline participation rates can look high in absolute terms but are not directly comparable to an S&P 500 cap at the same nominal rate. Evaluate each strategy on its own index methodology, not on participation rate alone.
  • 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 during the surrender years.
  • Surrender lockup runs the full ten years; the published free-withdrawal allowance covers a per-year cap, not a full early exit, so price the surrender ladder against your liquidity plan before committing principal.

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, need short-surrender liquidity, or want to use proprietary-index participation rates as a direct comparison against S&P 500 caps on competing FIAs — those are not what this contract is built to deliver.

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See how Pacific Index Dimensions 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 (79 rows)

These are the current crediting strategy listings returned for this product. Use the filters to narrow by index, term, premium band, state rate set, or rate type.

Par: 110% + Spread: 0% · 1-yr

BlackRock Endura Index

participation

7-yr surrender$100,000+

Par: 54% + Spread: 2% · 1-yr

S&P 500 Index

participation

7-yr surrender$100,000+

Par: 54% + Spread: 2% · 1-yr

MSCI EAFE Index

participation

7-yr surrender$100,000+

Par: 39% + Spread: 0% · 1-yr

S&P 500 Index

participation

7-yr surrender$100,000+

Par: 39% + Spread: 0% · 1-yr

MSCI EAFE Index

participation

7-yr surrender$100,000+

Cap: 7.45% · 1-yr

S&P 500 Index

cap

7-yr surrender$100,000+

Cap: 7.45% · 1-yr

MSCI EAFE Index

cap

7-yr surrender$100,000+

Trigger: 6.25% · 1-yr

S&P 500 Index

trigger

7-yr surrender$100,000+

Trigger: 6.25% · 1-yr

MSCI EAFE Index

trigger

7-yr surrender$100,000+

Fixed: 3.4% · 1-yr

Fixed Account

fixed

7-yr surrender$100,000+

Par: 105% + Spread: 0% · 1-yr

BlackRock Endura Index

participation

7-yr surrenderUp to $99,999.99

Par: 51% + Spread: 2% · 1-yr

S&P 500 Index

participation

7-yr surrenderUp to $99,999.99

Par: 51% + Spread: 2% · 1-yr

MSCI EAFE Index

participation

7-yr surrenderUp to $99,999.99

Par: 37% + Spread: 0% · 1-yr

S&P 500 Index

participation

7-yr surrenderUp to $99,999.99

Par: 37% + Spread: 0% · 1-yr

MSCI EAFE Index

participation

7-yr surrenderUp to $99,999.99

Cap: 7.25% · 1-yr

S&P 500 Index

cap

7-yr surrenderUp to $99,999.99

Cap: 7.25% · 1-yr

MSCI EAFE Index

cap

7-yr surrenderUp to $99,999.99

Trigger: 5.9% · 1-yr

S&P 500 Index

trigger

7-yr surrenderUp to $99,999.99

Trigger: 5.9% · 1-yr

MSCI EAFE Index

trigger

7-yr surrenderUp to $99,999.99

Fixed: 3.2% · 1-yr

Fixed Account

fixed

7-yr surrenderUp to $99,999.99

Par: 115% + Spread: 0% · 1-yr

BlackRock Endura Index

participation

10-yr surrender$100,000+

Par: 55% + Spread: 2% · 1-yr

S&P 500 Index

participation

10-yr surrender$100,000+

Par: 55% + Spread: 2% · 1-yr

MSCI EAFE Index

participation

10-yr surrender$100,000+

Par: 40% + Spread: 0% · 1-yr

S&P 500 Index

participation

10-yr surrender$100,000+

Par: 40% + Spread: 0% · 1-yr

MSCI EAFE Index

participation

10-yr surrender$100,000+

Cap: 7.65% · 1-yr

S&P 500 Index

cap

10-yr surrender$100,000+

Cap: 7.65% · 1-yr

MSCI EAFE Index

cap

10-yr surrender$100,000+

Trigger: 6.4% · 1-yr

S&P 500 Index

trigger

10-yr surrender$100,000+

Trigger: 6.4% · 1-yr

MSCI EAFE Index

trigger

10-yr surrender$100,000+

Fixed: 3.5% · 1-yr

Fixed Account

fixed

10-yr surrender$100,000+

Par: 52% + Spread: 2% · 1-yr

S&P 500 Index

participation

10-yr surrenderUp to $99,999.99

Par: 52% + Spread: 2% · 1-yr

MSCI EAFE Index

participation

10-yr surrenderUp to $99,999.99

Par: 38% + Spread: 0% · 1-yr

S&P 500 Index

participation

10-yr surrenderUp to $99,999.99

Par: 38% + Spread: 0% · 1-yr

MSCI EAFE Index

participation

10-yr surrenderUp to $99,999.99

Cap: 7.4% · 1-yr

S&P 500 Index

cap

10-yr surrenderUp to $99,999.99

Cap: 7.4% · 1-yr

MSCI EAFE Index

cap

10-yr surrenderUp to $99,999.99

Trigger: 6.05% · 1-yr

S&P 500 Index

trigger

10-yr surrenderUp to $99,999.99

Trigger: 6.05% · 1-yr

MSCI EAFE Index

trigger

10-yr surrenderUp to $99,999.99

Fixed: 3.3% · 1-yr

Fixed Account

fixed

10-yr surrenderUp to $99,999.99

Par: 110% + Spread: 0% · 1-yr

BlackRock Endura Index

PP

Other state rate set 2043$100,000+

Par: 54% + Spread: 2% · 1-yr

S&P 500 Index

PP

Other state rate set 2043$100,000+

Par: 54% + Spread: 2% · 1-yr

MSCI EAFE Index

PP

Other state rate set 2043$100,000+

Par: 39% + Spread: 0% · 1-yr

S&P 500 Index

PP

Other state rate set 2043$100,000+

Par: 39% + Spread: 0% · 1-yr

MSCI EAFE Index

PP

Other state rate set 2043$100,000+

Cap: 7.45% · 1-yr

S&P 500 Index

PP

Other state rate set 2043$100,000+

Cap: 7.45% · 1-yr

MSCI EAFE Index

PP

Other state rate set 2043$100,000+

Trigger: 6.25% · 1-yr

S&P 500 Index

PT

Other state rate set 2043$100,000+

Trigger: 6.25% · 1-yr

MSCI EAFE Index

PT

Other state rate set 2043$100,000+

Fixed: 3.4% · 1-yr

Fixed Account

FX

Other state rate set 2043$100,000+

Par: 105% + Spread: 0% · 1-yr

BlackRock Endura Index

PP

Other state rate set 2043Up to $99,999.99

Par: 51% + Spread: 2% · 1-yr

S&P 500 Index

PP

Other state rate set 2043Up to $99,999.99

Par: 51% + Spread: 2% · 1-yr

MSCI EAFE Index

PP

Other state rate set 2043Up to $99,999.99

Par: 37% + Spread: 0% · 1-yr

S&P 500 Index

PP

Other state rate set 2043Up to $99,999.99

Par: 37% + Spread: 0% · 1-yr

MSCI EAFE Index

PP

Other state rate set 2043Up to $99,999.99

Cap: 7.25% · 1-yr

S&P 500 Index

PP

Other state rate set 2043Up to $99,999.99

Cap: 7.25% · 1-yr

MSCI EAFE Index

PP

Other state rate set 2043Up to $99,999.99

Trigger: 5.9% · 1-yr

S&P 500 Index

PT

Other state rate set 2043Up to $99,999.99

Trigger: 5.9% · 1-yr

MSCI EAFE Index

PT

Other state rate set 2043Up to $99,999.99

Fixed: 3.2% · 1-yr

Fixed Account

FX

Other state rate set 2043Up to $99,999.99

Par: 115% + Spread: 0% · 1-yr

BlackRock Endura Index

PP

Other state rate set 2095$100,000+

Par: 55% + Spread: 2% · 1-yr

S&P 500 Index

PP

Other state rate set 2095$100,000+

Par: 55% + Spread: 2% · 1-yr

MSCI EAFE Index

PP

Other state rate set 2095$100,000+

Par: 40% + Spread: 0% · 1-yr

S&P 500 Index

PP

Other state rate set 2095$100,000+

Par: 40% + Spread: 0% · 1-yr

MSCI EAFE Index

PP

Other state rate set 2095$100,000+

Cap: 7.65% · 1-yr

S&P 500 Index

PP

Other state rate set 2095$100,000+

Cap: 7.65% · 1-yr

MSCI EAFE Index

PP

Other state rate set 2095$100,000+

Trigger: 6.4% · 1-yr

S&P 500 Index

PT

Other state rate set 2095$100,000+

Trigger: 6.4% · 1-yr

MSCI EAFE Index

PT

Other state rate set 2095$100,000+

Fixed: 3.5% · 1-yr

Fixed Account

FX

Other state rate set 2095$100,000+

Par: 110% + Spread: 0% · 1-yr

BlackRock Endura Index

PP

Other state rate set 2095Up to $99,999.99

Par: 52% + Spread: 2% · 1-yr

S&P 500 Index

PP

Other state rate set 2095Up to $99,999.99

Par: 52% + Spread: 2% · 1-yr

MSCI EAFE Index

PP

Other state rate set 2095Up to $99,999.99

Par: 38% + Spread: 0% · 1-yr

S&P 500 Index

PP

Other state rate set 2095Up to $99,999.99

Par: 38% + Spread: 0% · 1-yr

MSCI EAFE Index

PP

Other state rate set 2095Up to $99,999.99

Cap: 7.4% · 1-yr

S&P 500 Index

PP

Other state rate set 2095Up to $99,999.99

Cap: 7.4% · 1-yr

MSCI EAFE Index

PP

Other state rate set 2095Up to $99,999.99

Trigger: 6.05% · 1-yr

S&P 500 Index

PT

Other state rate set 2095Up to $99,999.99

Trigger: 6.05% · 1-yr

MSCI EAFE Index

PT

Other state rate set 2095Up to $99,999.99

Fixed: 3.3% · 1-yr

Fixed Account

FX

Other state rate set 2095Up to $99,999.99

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.

Common questions about Pacific Index Dimensions

● Can I lose money in Pacific Index Dimensions?

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

● 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 Pacific Index Dimensions's crediting strategies compare?

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

10%

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-dimensions-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

Pacific Index Dimensions currently shows 60 distinct indexed or fixed crediting choices across 80 current rate listings, including S&P 500 Index, with 31 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: 7.45% annual cap
  • S&P 500 Index: 7.65% annual cap
  • S&P 500 Index: 7.25% annual cap
  • S&P 500 Index: 7.4% annual cap

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-dimensions-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

Get a Pacific Index Dimensions rate report

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

Get my rate report

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