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Fixed Indexed Annuity

Pacific Index Foundation

Pacific Life

10%

Free W/D

50

Jurisdictions

Product data status: June 12, 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.

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

7.2% trigger rate on MSCI EAFE Index

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.

10-year termPerformance triggerAdvisorWorld + 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 period

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

Rate varies by premium band.

S&P 500

S&P 500 Index

100% participation rate + 7% declared rate

Rate varies by premium band.

S&P 500

S&P 500 Index

7.8% cap rate

Rate varies by premium band.

S&P 500

S&P 500 Index

100% participation rate + 7.1% declared rate

Rate varies by premium band.

S&P 500

S&P 500 Index

7.85% cap rate

Rate varies by premium band.

S&P 500

S&P 500 Index

100% participation rate + 7.2% declared rate

Rate varies by premium band.

Fixed Account

Fixed Account

3.75% declared rate

Rate varies by premium band.

Fixed Account

Fixed Account

3.85% declared rate

Rate varies by premium band.

Fixed Account

Fixed Account

4% declared rate

Rate varies by premium band.

+ 6 volatility-controlled index options (MSCI EAFE...)

Lifetime Income Riders

Income rider

Enhanced Income Benefit 3 (ELIB3)

RMD friendly
Lifetime payout rate5% lifetime payout
Annual rider fee1% annual rider fee

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.

All crediting strategies

View rate listings (15 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: 7.2% · 10-yr

MSCI EAFE Index

$100,000+

Par: 100% + Fixed: 7.2% · 10-yr

S&P 500 Index

$100,000+

Cap: 7.85% · 10-yr

MSCI EAFE Index

$100,000+

Cap: 7.85% · 10-yr

S&P 500 Index

$100,000+

Fixed: 4% · 10-yr

Fixed Account

$100,000+

Par: 100% + Fixed: 7% · 5-yr

MSCI EAFE Index

$100,000+

Par: 100% + Fixed: 7% · 5-yr

S&P 500 Index

$100,000+

Cap: 7.75% · 5-yr

MSCI EAFE Index

$100,000+

Cap: 7.75% · 5-yr

S&P 500 Index

$100,000+

Fixed: 3.75% · 5-yr

Fixed Account

$100,000+

Par: 100% + Fixed: 7.1% · 7-yr

MSCI EAFE Index

$100,000+

Par: 100% + Fixed: 7.1% · 7-yr

S&P 500 Index

$100,000+

Cap: 7.8% · 7-yr

MSCI EAFE Index

$100,000+

Cap: 7.8% · 7-yr

S&P 500 Index

$100,000+

Fixed: 3.85% · 7-yr

Fixed Account

$100,000+

Income riders

Income rider

Enhanced Lifetime Income Benefit 3 (ELIB3)

RMD friendly
Lifetime withdrawal rate5%
Annual rider fee1%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age59 — 120

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

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.

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 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 15 indexed or fixed crediting options, including S&P 500 Index, with 6 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: 7.75% cap
  • S&P 500 Index: 100% participation
  • S&P 500 Index: 7.8% 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
  • RMD friendly

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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