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Pacific Life
8.6%
Best Cap
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
Pacific Index Foundation 2 is a nine-year-surrender, A+-rated FIA from Pacific Life — the newer filing in the Index Foundation lineup — with an expanded crediting menu spanning one-, five-, seven-, and ten-year guarantee-period caps and participation strategies on the S&P 500, MSCI EAFE, and proprietary volatility-controlled indexes, and no income rider on the contract.
Best fit
Accumulation-focused buyers comfortable with a nine-year deferral from an A+-rated carrier who want the option to mix short (one-year) and long (five-/seven-/ten-year) crediting cadences inside the same contract, want both a recognizable S&P 500 cap and broader proprietary participation-rate strategies as allocation buckets, and do not need a contractual lifetime-income rider on this filing.
AM Best
A+ Superior
Free withdrawal
10%/yr
Availability
50 jurisdictions (excl. New York)
Caps, participation rates, and declared rates are shown separately.
S&P 500
S&P 500 Index
8.6% cap rate
Rate varies by premium band.
1-year term
$100,000+
S&P 500
S&P 500 Index
100% participation rate + 7.45% declared rate
Rate varies by premium band.
1-year term
$100,000+
S&P 500
S&P 500 Index
7.75% cap rate
Rate varies by premium band.
5-year term
$100,000+
S&P 500
S&P 500 Index
100% participation rate + 7% declared rate
Rate varies by premium band.
5-year term
$100,000+
S&P 500
S&P 500 Index
7.8% cap rate
Rate varies by premium band.
7-year term
$100,000+
S&P 500
S&P 500 Index
100% participation rate + 7.05% declared rate
Rate varies by premium band.
7-year term
$100,000+
S&P 500
S&P 500 Index
7.85% cap rate
Rate varies by premium band.
9-year term
$100,000+
S&P 500
S&P 500 Index
100% participation rate + 7.2% declared rate
Rate varies by premium band.
9-year term
$100,000+
S&P 500
S&P 500 Index
7.85% cap rate
Rate varies by premium band.
10-year term
$100,000+
S&P 500
S&P 500 Index
100% participation rate + 7.2% declared rate
Rate varies by premium band.
10-year term
$100,000+
Nasdaq-100
SG Nasdaq-100 Edge VC10 Index
105% participation rate
Rate varies by premium band.
1-year term
$100,000+
Nasdaq-100
SG Nasdaq-100 Edge VC10 Index
100% participation rate
Rate varies by premium band.
5-year term
$100,000+
Nasdaq-100
SG Nasdaq-100 Edge VC10 Index
100% participation rate
Rate varies by premium band.
7-year term
$100,000+
Nasdaq-100
SG Nasdaq-100 Edge VC10 Index
100% participation rate
Rate varies by premium band.
9-year term
$100,000+
Nasdaq-100
SG Nasdaq-100 Edge VC10 Index
100% participation rate
Rate varies by premium band.
10-year term
$100,000+
Fixed Account
Fixed Account
4.2% declared rate
Rate varies by premium band.
1-year term
$100,000+
Fixed Account
Fixed Account
3.75% declared rate
Rate varies by premium band.
5-year term
$100,000+
Fixed Account
Fixed Account
3.8% declared rate
Rate varies by premium band.
7-year term
$100,000+
Fixed Account
Fixed Account
3.85% declared rate
Rate varies by premium band.
9-year term
$100,000+
Fixed Account
Fixed Account
3.85% declared rate
Rate varies by premium band.
10-year term
$100,000+
Product analyst notes
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.
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: 105% · 1-yr
Barclays Large Cap Intraday VC10 Index
Par: 105% · 1-yr
SG Nasdaq-100 Edge VC10 Index
Par: 100% + Fixed: 7.45% · 1-yr
S&P 500 Index
Par: 100% + Fixed: 7.45% · 1-yr
MSCI EAFE Index
Par: 100% + Fixed: 7.45% · 1-yr
Invesco QQQ Trust Series 1
Par: 100% + Fixed: 7.45% · 1-yr
iShares Russell 2000 ETF
Cap: 8.6% · 1-yr
S&P 500 Index
Cap: 8.6% · 1-yr
MSCI EAFE Index
Cap: 8.6% · 1-yr
Invesco QQQ Trust Series 1
Cap: 8.6% · 1-yr
iShares Russell 2000 ETF
Fixed: 4.2% · 1-yr
Fixed Account
Par: 100% · 10-yr
Barclays Large Cap Intraday VC10 Index
Par: 100% · 10-yr
SG Nasdaq-100 Edge VC10 Index
Par: 100% + Fixed: 7.2% · 10-yr
S&P 500 Index
Par: 100% + Fixed: 7.2% · 10-yr
MSCI EAFE Index
Par: 100% + Fixed: 7.2% · 10-yr
Invesco QQQ Trust Series 1
Par: 100% + Fixed: 7.2% · 10-yr
iShares Russell 2000 ETF
Cap: 7.85% · 10-yr
S&P 500 Index
Cap: 7.85% · 10-yr
MSCI EAFE Index
Cap: 7.85% · 10-yr
Invesco QQQ Trust Series 1
Cap: 7.85% · 10-yr
iShares Russell 2000 ETF
Fixed: 3.85% · 10-yr
Fixed Account
Par: 100% + Fixed: 7% · 5-yr
MSCI EAFE Index
Par: 100% + Fixed: 7% · 5-yr
S&P 500 Index
Par: 100% · 5-yr
Barclays Large Cap Intraday VC10 Index
Par: 100% · 5-yr
SG Nasdaq-100 Edge VC10 Index
Par: 100% + Fixed: 7% · 5-yr
Invesco QQQ Trust Series 1
Par: 100% + Fixed: 7% · 5-yr
iShares Russell 2000 ETF
Cap: 7.75% · 5-yr
MSCI EAFE Index
Cap: 7.75% · 5-yr
S&P 500 Index
Cap: 7.75% · 5-yr
Invesco QQQ Trust Series 1
Cap: 7.75% · 5-yr
iShares Russell 2000 ETF
Fixed: 3.75% · 5-yr
Fixed Account
Par: 100% · 7-yr
Barclays Large Cap Intraday VC10 Index
Par: 100% · 7-yr
SG Nasdaq-100 Edge VC10 Index
Par: 100% + Fixed: 7.05% · 7-yr
S&P 500 Index
Par: 100% + Fixed: 7.05% · 7-yr
MSCI EAFE Index
Par: 100% + Fixed: 7.05% · 7-yr
Invesco QQQ Trust Series 1
Par: 100% + Fixed: 7.05% · 7-yr
iShares Russell 2000 ETF
Cap: 7.8% · 7-yr
S&P 500 Index
Cap: 7.8% · 7-yr
MSCI EAFE Index
Cap: 7.8% · 7-yr
Invesco QQQ Trust Series 1
Cap: 7.8% · 7-yr
iShares Russell 2000 ETF
Fixed: 3.8% · 7-yr
Fixed Account
Par: 100% · 9-yr
Barclays Large Cap Intraday VC10 Index
Par: 100% · 9-yr
SG Nasdaq-100 Edge VC10 Index
Par: 100% + Fixed: 7.2% · 9-yr
S&P 500 Index
Par: 100% + Fixed: 7.2% · 9-yr
MSCI EAFE Index
Par: 100% + Fixed: 7.2% · 9-yr
Invesco QQQ Trust Series 1
Par: 100% + Fixed: 7.2% · 9-yr
iShares Russell 2000 ETF
Cap: 7.85% · 9-yr
S&P 500 Index
Cap: 7.85% · 9-yr
MSCI EAFE Index
Cap: 7.85% · 9-yr
Invesco QQQ Trust Series 1
Cap: 7.85% · 9-yr
iShares Russell 2000 ETF
Fixed: 3.85% · 9-yr
Fixed Account
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.
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.”
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.
Minimum guaranteed cap: 1.25%
Minimum guaranteed declared rate: 1.00%
Guaranteed minimum interest rate (fixed): 0.50%
Contract conversion options should be confirmed before purchase.
Availability can vary by state and product terms.
Surrender schedule not available for this product
A surrender-charge schedule was not returned for this product on this request. Surrender terms often vary by state — confirm with the carrier before purchase.
product guide
Direct link not published — request the document from the carrier.
Crediting design
Pacific Index Foundation 2 currently shows 55 indexed or fixed crediting options, including S&P 500 Index, with 35 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.
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-2-client-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.
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