Fixed Indexed Annuity

Pacific Index Income

Pacific Life

Get my rate report

5.1%

Best S&P 500 Annual Cap

10%

Free W/D

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 Income 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.

Premium$100,000

Your age60

Surrender term

Crediting strategy

Compare against

$219,535

Est. value at age 80 (Pacific Index Income)

5.1%

Best S&P 500 1-yr point-to-point cap

S&P 500 Index — 4.9% Cap (Annual)

✦

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 Income's published cap rate (4.9% 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. Not a projection, quote, or guarantee. Live CANNEX rates as of August 21, 2026.

Free Comparison Report

Get a Pacific Index Income rate report

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

Get my rate report

rate data

Run numbers for Pacific Index Income

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.

GLWB lifetime payout rate

5.6% lifetime payout

Pacific Index Income is a nine-year-surrender, A+-rated FIA from Pacific Life built around an optional GLWB rider — the Lifetime Income Creator — with a published lifetime withdrawal rate available from issue-age 50, paired with a broad accumulation menu of S&P 500, MSCI EAFE, and proprietary volatility-controlled index strategies in multiple guarantee-period cadences.

1% annual rider feeAdvisorWorld + CANNEX data

Best fit

Buyers in their fifties or older who want lifetime income from a published, optional GLWB rider on an A+-rated carrier, are comfortable with a nine-year deferral and surrender ladder, need RMD-friendly rider income for qualified retirement money, and accept tighter accumulation caps in exchange for the rider's income economics.

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.

Featured strategies use the selected state's rates. The full listing below labels other CANNEX state-rate variants separately.

Index / strategyRate mechanicsCreditingSurrenderPremium

S&P 500

S&P 500 Index

4.9% cap rate

Annual cap

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

Rate varies by premium band.

1-year term

5-year surrender

$100,000+

S&P 500

S&P 500 Index

5.1% cap rate

Annual cap

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

Rate varies by premium band.

1-year term

10-year surrender

$100,000+

S&P 500

S&P 500 Index

5% cap rate

Annual cap

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

Rate varies by premium band.

1-year term

7-year surrender

$100,000+

S&P 500

S&P 500 Index

3.85% trigger rate

Performance trigger

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

Rate varies by premium band.

1-year term

5-year surrender

$100,000+

S&P 500

S&P 500 Index

4.15% trigger rate

Performance trigger

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

Rate varies by premium band.

1-year term

10-year surrender

$100,000+

S&P 500

S&P 500 Index

4% trigger rate

Performance trigger

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

Rate varies by premium band.

1-year term

7-year surrender

$100,000+

S&P 500

S&P 500 Index

4.4% 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 + 3.5% 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

4.5% 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 + 3.65% 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

4.6% 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 + 3.8% declared rate

Participation

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

Rate varies by premium band.

10-year term

10-year surrender

$100,000+

Nasdaq-100

SG Nasdaq-100 Edge VC10 Index

60% participation rate

Participation

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

Rate varies by premium band.

1-year term

5-year surrender

$100,000+

Nasdaq-100

SG Nasdaq-100 Edge VC10 Index

60% participation rate

Participation

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

Rate varies by premium band.

1-year term

10-year surrender

$100,000+

Nasdaq-100

SG Nasdaq-100 Edge VC10 Index

60% participation rate

Participation

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

Rate varies by premium band.

1-year term

7-year surrender

$100,000+

Nasdaq-100

SG Nasdaq-100 Edge VC10 Index

55% participation rate

Participation

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

Rate varies by premium band.

5-year term

5-year surrender

$100,000+

Nasdaq-100

SG Nasdaq-100 Edge VC10 Index

55% participation rate

Participation

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

Rate varies by premium band.

7-year term

7-year surrender

$100,000+

Nasdaq-100

SG Nasdaq-100 Edge VC10 Index

55% participation 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

3% declared rate

Fixed account

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

Rate varies by premium band.

1-year term

5-year surrender

$100,000+

Fixed Account

3.1% declared rate

Fixed account

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

Rate varies by premium band.

1-year term

10-year surrender

$100,000+

Fixed Account

3.05% declared rate

Fixed account

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

Rate varies by premium band.

1-year term

7-year surrender

$100,000+

Fixed Account

2.85% 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

2.9% 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

2.95% 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+

+ 84 additional crediting options (MSCI EAFE, Invesco QQQ, iShares Russell...)

Lifetime Income Riders

Income rider

Income Creator

Lifetime payout rate5.6% lifetime payout

Annual rider fee1% annual rider fee

Product analyst notes

How to think about this contract

Why it can stand out

Lifetime income is delivered through a real, optional GLWB rider — the Lifetime Income Creator — with a published withdrawal rate, so the income figure on this page is directly comparable to other rider-led FIAs on the site.
The Lifetime Income Creator rider is flagged RMD-friendly on the live feed, so buyers using qualified retirement money can take required minimum distributions without breaking the rider's income guarantee.
Issue-age eligibility starts at 50 on the published rider — meaningfully earlier than the issue-age-59 floor on the sister Index Edge contract — so younger pre-retirees who want to lock in a contract-level income guarantee in their fifties can elect the rider on this contract.
Crediting menu is broad — multiple guarantee-period cadences on the S&P 500, MSCI EAFE, and proprietary volatility-controlled indexes — so a buyer can hold the rider income alongside several allocation buckets inside one contract.
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.

What to confirm

The Lifetime Income Creator rider carries an explicit current annual fee deducted regardless of index performance. Effective drag can run higher if the carrier later moves the fee toward its contractual maximum, so model the rider on both fee levels before committing.
Many of the crediting strategies on this menu are participation-rate options on proprietary volatility-controlled indexes — their headline participation rates can look high in absolute terms but are not directly comparable to an S&P 500 cap at the same nominal rate. Evaluate each strategy on its own index methodology, not on participation rate alone.
Annual point-to-point cap rates on the S&P 500 strategies on this contract are visibly lower than on the sister Pacific Index Foundation 2 filing — the rider economics are paid for in part by tighter accumulation caps, so this contract is built for buyers who will actually use the rider rather than for those who want top-of-market accumulation crediting.
There is no premium bonus and no shows-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 nine years; the published free-withdrawal allowance covers a per-year cap, not a full early exit. Combined with the rider fee, the effective economic commitment is the full term — confirm the surrender schedule and rider terms against your liquidity plan before committing premium.

Not ideal for

Buyers who want top-of-market accumulation crediting (look at Pacific Index Foundation 2 instead), need a rider-fee-free Protected Income Value chassis, want short-surrender liquidity, want a premium bonus on day one, expect a stepped-up or rollup-enhanced death benefit, or want a plain MYGA-style declared rate — those are not what this contract is built to deliver.

Free Comparison Report

Get a Pacific Index Income rate report

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

Get my rate report

All crediting strategies

View rate listings (252 strategies)

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

Par: 60% · 1-yr

Barclays Large Cap Intraday VC10 Index

participation

5-yr surrender$100,000+

Par: 60% · 1-yr

SG Nasdaq-100 Edge VC10 Index

participation

5-yr surrender$100,000+

Cap: 4.9% · 1-yr

S&P 500 Index

cap

5-yr surrender$100,000+

Cap: 4.9% · 1-yr

MSCI EAFE Index

cap

5-yr surrender$100,000+

Cap: 4.9% · 1-yr

Invesco QQQ Trust Series 1

cap

5-yr surrender$100,000+

Cap: 4.9% · 1-yr

iShares Russell 2000 ETF

cap

5-yr surrender$100,000+

Trigger: 3.85% · 1-yr

S&P 500 Index

trigger

5-yr surrender$100,000+

Trigger: 3.85% · 1-yr

MSCI EAFE Index

trigger

5-yr surrender$100,000+

Trigger: 3.85% · 1-yr

Invesco QQQ Trust Series 1

trigger

5-yr surrender$100,000+

Trigger: 3.85% · 1-yr

iShares Russell 2000 ETF

trigger

5-yr surrender$100,000+

Fixed: 3% · 1-yr

Fixed Account

fixed

5-yr surrender$100,000+

Par: 100% + Declared: 3.5% · 5-yr

S&P 500 Index

trigger

5-yr surrender$100,000+

Par: 100% + Declared: 3.5% · 5-yr

MSCI EAFE Index

trigger

5-yr surrender$100,000+

Par: 100% + Declared: 3.5% · 5-yr

Invesco QQQ Trust Series 1

trigger

5-yr surrender$100,000+

Par: 100% + Declared: 3.5% · 5-yr

iShares Russell 2000 ETF

trigger

5-yr surrender$100,000+

Par: 55% · 5-yr

Barclays Large Cap Intraday VC10 Index

participation

5-yr surrender$100,000+

Par: 55% · 5-yr

SG Nasdaq-100 Edge VC10 Index

participation

5-yr surrender$100,000+

Cap: 4.4% · 5-yr

S&P 500 Index

cap

5-yr surrender$100,000+

Cap: 4.4% · 5-yr

MSCI EAFE Index

cap

5-yr surrender$100,000+

Cap: 4.4% · 5-yr

Invesco QQQ Trust Series 1

cap

5-yr surrender$100,000+

Cap: 4.4% · 5-yr

iShares Russell 2000 ETF

cap

5-yr surrender$100,000+

Fixed: 2.85% · 5-yr

Fixed Account

fixed

5-yr surrender$100,000+

Par: 55% · 1-yr

Barclays Large Cap Intraday VC10 Index

participation