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Rate data refreshes daily from AdvisorWorld and CANNEX carrier feeds. View current rates
10%
Free W/D
50
Available jurisdictions
Product data status: July 31, 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.
rate data
rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Pacific Life product.
Available only in Alaska, Alabama, Arkansas, Arizona, California, Colorado, Connecticut, District of Columbia, Delaware, Florida, Georgia, Hawaii, Iowa, Idaho, Illinois, Indiana, Kansas, Kentucky, Louisiana, Massachusetts, Maryland, Maine, Michigan, Minnesota, Missouri, Mississippi, Montana, North Carolina, North Dakota, Nebraska, New Hampshire, New Jersey, New Mexico, Nevada, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Vermont, Washington, Wisconsin, West Virginia, Wyoming
rates are shown when this state is selected. This product is state-restricted, and the available data does not include rates for the selected scenario.
Free Comparison Report
See how Pacific Index Foundation compares for your age, state, premium, and income goals alongside other Pacific Life fixed indexed annuity options.
Growth rate not published for this product
The current product information does not publish a growth rate for this index. Other product facts shown on this page remain available; confirm current crediting terms with the carrier before purchase.
Income rider
GLWB
Linked review
Discover the features, rates, and riders of Pacific Life's Indexed Annuity. Is it the right choice for your retirement goals?
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.”
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.
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.
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.
Annual amount that may be available without surrender charges, subject to contract terms.
Nursing home waiver, RMD waiver, Terminal illness waiver
Beneficiary value depends on contract terms, withdrawals, and rider elections.
Contract conversion options should be confirmed before purchase.
Availability can vary by state and product terms.
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
product guide
Direct link not published — request the document from the carrier.
Income rider language
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.
Liquidity terms
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.
Verification note
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.
Free Comparison Report
See how Pacific Index Foundation compares for your age, state, premium, and income goals alongside other Pacific Life fixed indexed annuity options.