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 July 13, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$116,316
Est. value at age 80 (Pacific Index Foundation)
2
Broad-market strategies
MSCI EAFE 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 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; 10-year credits are applied only at completed term anniversaries. Not a projection, quote, or guarantee. Live CANNEX rates as of July 13, 2026.
Free Comparison Report
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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.
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
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 filing.
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
7.75% cap rate
Annual cap
5-year term · 5-year surrender · $100,000+
Rate varies by premium band.
5-year term
5-year surrender
$100,000+
S&P 500
S&P 500 Index
100% participation rate + 7.5% declared rate
Participation
5-year term · 5-year surrender · $100,000+
Rate varies by premium band.
5-year term
5-year surrender
$100,000+
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.
7-year term
7-year surrender
$100,000+
S&P 500
S&P 500 Index
100% participation rate + 7.6% declared rate
Participation
7-year term · 7-year surrender · $100,000+
Rate varies by premium band.
7-year term
7-year surrender
$100,000+
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.
10-year term
10-year surrender
$100,000+
S&P 500
S&P 500 Index
100% participation rate + 7.7% declared rate
Participation
10-year term · 10-year surrender · $100,000+
Rate varies by premium band.
10-year term
10-year surrender
$100,000+
Fixed Account
Fixed Account
3.75% declared rate
Fixed account
5-year term · 5-year surrender · $100,000+
Rate varies by premium band.
5-year term
5-year surrender
$100,000+
Fixed Account
Fixed Account
3.85% declared rate
Fixed account
7-year term · 7-year surrender · $100,000+
Rate varies by premium band.
7-year term
7-year surrender
$100,000+
Fixed Account
Fixed Account
4% declared rate
Fixed account
10-year term · 10-year surrender · $100,000+
Rate varies by premium band.
10-year term
10-year surrender
$100,000+
+ 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
Although the API flags hasFiaIncome=true at the product level, the incomeRiders array on this product is empty in the current rate feed — there is no contractually published GLWB withdrawal rate to compare against rider-led FIAs. 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.
“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.”
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 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 Foundation's crediting strategies compare?
Use "Compare against" in the analyzer to overlay another current 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 current rate listings, 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 entry returned 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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See how Pacific Index Foundation compares for your age, state, premium, and income goals alongside other Pacific Life fixed indexed annuity options.