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Fixed Indexed Annuity

Pacific Index Foundation

Pacific Life

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10%

Free W/D

50

Available jurisdictions

Product data status: August 21, 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 Foundation 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 August 21, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$116,316
Est. value at age 80 (Pacific Index Foundation)
2
Broad-market strategies
S&P 500 Index — 7.85% Cap (Annual · 10-yr term)
✦
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 Foundation's published cap rate (7.85% 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; 10-year credits are applied only at completed term anniversaries. Not a projection, quote, or guarantee. Live CANNEX rates as of August 21, 2026.

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

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rate data

Run numbers for Pacific Index Foundation

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

Live product data

Rates as of August 21, 2026, from AdvisorWorld and CANNEX.

S&P 500 annual point-to-point cap

100% participation on S&P 500

Pacific Index Foundation is a ten-year-surrender, A+-rated FIA from Pacific Life with a compact crediting menu — S&P 500 and MSCI EAFE annual point-to-point caps and participation strategies across five-, seven-, and ten-year guarantee-period buckets — and no published GLWB withdrawal rate in the current rate feed.

5-year term5-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 recognizable, comparable crediting menu (S&P 500 and MSCI EAFE) with multiple guarantee-period buckets inside the same contract, and do not need a contractual lifetime-income rider on this contract.

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

7.75% cap rate

Annual cap

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

Rate varies by premium band.

S&P 500

S&P 500 Index

100% participation rate + 7.25% declared rate

Participation

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

Rate varies by premium band.

S&P 500

S&P 500 Index

7.8% cap rate

Annual cap

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

Rate varies by premium band.

S&P 500

S&P 500 Index

100% participation rate + 7.35% declared rate

Participation

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

Rate varies by premium band.

S&P 500

S&P 500 Index

7.85% cap rate

Annual cap

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

Rate varies by premium band.

S&P 500

S&P 500 Index

100% participation rate + 7.45% declared rate

Participation

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

Rate varies by premium band.

Fixed Account

Fixed Account

3.75% declared rate

Fixed account

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

Rate varies by premium band.

Fixed Account

Fixed Account

3.85% declared rate

Fixed account

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

Rate varies by premium band.

Fixed Account

Fixed Account

4% declared rate

Fixed account

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

Rate varies by premium band.

+ 12 additional crediting options (MSCI EAFE...)

Lifetime Income Riders

Income rider

Enhanced Income Benefit 3 (ELIB3)

Lifetime payout rate5% lifetime payout
Annual rider fee1% annual rider fee
Guaranteed roll-up8%/yr

Product analyst notes

How to think about this contract

Why it can stand out

  • Multiple guarantee-period buckets — five-, seven-, and ten-year — are offered inside the same contract on the S&P 500 cap strategy, so a buyer can match the rate-lock window to the surrender ladder rather than being forced into one duration.
  • Compact, recognizable crediting menu — every strategy on the contract is built on either the S&P 500 or the MSCI EAFE, in cap or participation form, 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 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

  • The live feed currently shows no income rider or contractually published GLWB withdrawal rate for this product. Buyers who specifically need a published lifetime income figure should look at a rider-led FIA (Pacific Index Income or Index Edge in this same family) or a SPIA.
  • 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.
  • Pacific Life has shipped a newer filing in this lineup — Pacific Index Foundation 2 — that adds shorter (one-year) guarantee-period strategies and a wider menu. Buyers evaluating this contract should compare the two filings side by side rather than treating this one as the only Foundation option available.

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 one-year-cadence crediting (look at Pacific Index Foundation 2 instead) — those are not what this contract is built to deliver.

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See how Pacific Index Foundation 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 (30 strategies)

These are the current crediting strategies available for this product. Use the filters to narrow by index, term, premium band, or rate type.

Par: 100% + Declared: 7.25% · 5-yr

MSCI EAFE Index

trigger

5-yr surrender$100,000+

Par: 100% + Declared: 7.25% · 5-yr

S&P 500 Index

trigger

5-yr surrender$100,000+

Cap: 7.75% · 5-yr

MSCI EAFE Index

cap

5-yr surrender$100,000+

Cap: 7.75% · 5-yr

S&P 500 Index

cap

5-yr surrender$100,000+

Fixed: 3.75% · 5-yr

Fixed Account

fixed

5-yr surrender$100,000+

Par: 100% + Declared: 6.4% · 5-yr

MSCI EAFE Index

trigger

5-yr surrenderUp to $99,999.99

Par: 100% + Declared: 6.4% · 5-yr

S&P 500 Index

trigger

5-yr surrenderUp to $99,999.99

Cap: 6.65% · 5-yr

MSCI EAFE Index

cap

5-yr surrenderUp to $99,999.99

Cap: 6.65% · 5-yr

S&P 500 Index

cap

5-yr surrenderUp to $99,999.99

Fixed: 3.5% · 5-yr

Fixed Account

fixed

5-yr surrenderUp to $99,999.99

Par: 100% + Declared: 7.35% · 7-yr

MSCI EAFE Index

trigger

7-yr surrender$100,000+

Par: 100% + Declared: 7.35% · 7-yr

S&P 500 Index

trigger

7-yr surrender$100,000+

Cap: 7.8% · 7-yr

MSCI EAFE Index

cap

7-yr surrender$100,000+

Cap: 7.8% · 7-yr

S&P 500 Index

cap

7-yr surrender$100,000+

Fixed: 3.85% · 7-yr

Fixed Account

fixed

7-yr surrender$100,000+

Par: 100% + Declared: 6.95% · 7-yr

MSCI EAFE Index

trigger

7-yr surrenderUp to $99,999.99

Par: 100% + Declared: 6.95% · 7-yr

S&P 500 Index

trigger

7-yr surrenderUp to $99,999.99

Cap: 7.25% · 7-yr

MSCI EAFE Index

cap

7-yr surrenderUp to $99,999.99

Cap: 7.25% · 7-yr

S&P 500 Index

cap

7-yr surrenderUp to $99,999.99

Fixed: 3.65% · 7-yr

Fixed Account

fixed

7-yr surrenderUp to $99,999.99

Par: 100% + Declared: 7.45% · 10-yr

MSCI EAFE Index

trigger

10-yr surrender$100,000+

Par: 100% + Declared: 7.45% · 10-yr

S&P 500 Index

trigger

10-yr surrender$100,000+

Cap: 7.85% · 10-yr

MSCI EAFE Index

cap

10-yr surrender$100,000+

Cap: 7.85% · 10-yr

S&P 500 Index

cap

10-yr surrender$100,000+

Fixed: 4% · 10-yr

Fixed Account

fixed

10-yr surrender$100,000+

Par: 100% + Declared: 7% · 10-yr

MSCI EAFE Index

trigger

10-yr surrenderUp to $99,999.99

Par: 100% + Declared: 7% · 10-yr

S&P 500 Index

trigger

10-yr surrenderUp to $99,999.99

Cap: 7.3% · 10-yr

MSCI EAFE Index

cap

10-yr surrenderUp to $99,999.99

Cap: 7.3% · 10-yr

S&P 500 Index

cap

10-yr surrenderUp to $99,999.99

Fixed: 3.8% · 10-yr

Fixed Account

fixed

10-yr surrenderUp to $99,999.99

Income riders

Income rider

Enhanced Lifetime Income Benefit 3 (ELIB3)

Lifetime withdrawal rate5%
Annual rider fee1%
Guaranteed roll-up8%/yr

GLWB

Linked review

Pacific Index Foundation review notes

Discover the features, rates, and riders of Pacific Life's Indexed Annuity. Is it the right choice for your retirement goals?

4/5Read review
Review rating details4/5
Financial strength5/5
Return potential4/5
Income and benefits3/5
Free benefits, liquidity, and costs4/5
Transparency and service4/5

CFA take

“The Pacific Life Index Foundation stands out as a relatively conservative and balanced FIA backed by one of the strongest insurers in the industry. In my view, the product’s biggest strength is not necessarily aggressive upside potential, but rather the combination of principal protection, simple index options, strong financial backing, and relatively consumer-friendly contract design. The use of well-known indices like the S&P 500 and MSCI EAFE keeps the product easier to understand compared to many FIAs that rely heavily on complex volatility-controlled or engineered indices. Pacific Life’s strong credit ratings also add an extra layer of comfort for conservative retirees. The product offers fewer indexing and rider customization options compared to some competitors. However, that simplicity can actually work in favor of retirees who prefer transparency over complexity. The optional lifetime income and enhanced death benefit riders add flexibility depending on whether the investor prioritizes income or legacy planning. Overall, I would view the Pacific Life Index Foundation as a dependable, lower-complexity FIA best suited for conservative to moderate-risk retirees who value insurer strength, stability, and straightforward retirement income planning over chasing maximum indexed returns.”

Nikhil Bhauwala

Common questions about Pacific Index Foundation

● Can I lose money in Pacific Index Foundation?

A negative index return by itself does not reduce the contract's account value: Pacific Index Foundation 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 Enhanced Lifetime Income Benefit 3 (ELIB3) 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 8% 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 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 Pacific Index Foundation's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another available Pacific Index Foundation 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

100.00%

Minimum guaranteed participation rate for participation-rate indexed strategies.

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

8%

Yr 3

8%

Yr 4

7%

Yr 5

6%

Yr 6

4%

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-foundation-guide_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 Index Foundation currently shows 24 distinct indexed or fixed crediting choices across 30 displayed rate entries, including S&P 500 Index, with 9 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: 7.75% 5-year cap
  • S&P 500 Index: 6.65% 5-year cap
  • S&P 500 Index: 100% 5-year participation rate
  • S&P 500 Index: 7.8% 7-year cap

Income rider language

What to look for before treating the rider as income

Enhanced Lifetime Income Benefit 3 (ELIB3) 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

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-foundation-guide_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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