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Fixed Indexed Annuity

Pacific Index Income

Pacific Life

5.1%

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.

GLWB lifetime payout rate

6.6% 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 feeRMD-friendly income ridersAdvisorWorld + 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

Free withdrawal

10%/yr

Availability

50 jurisdictions (excl. New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

5.1% cap rate

Rate varies by premium band.

S&P 500

S&P 500 Index

100% participation rate + 4.15% declared rate

Rate varies by premium band.

S&P 500

S&P 500 Index

4.4% cap rate

Rate varies by premium band.

S&P 500

S&P 500 Index

100% participation rate + 3.5% declared rate

Rate varies by premium band.

S&P 500

S&P 500 Index

4.5% cap rate

Rate varies by premium band.

S&P 500

S&P 500 Index

100% participation rate + 3.65% declared rate

Rate varies by premium band.

S&P 500

S&P 500 Index

4.6% cap rate

Rate varies by premium band.

S&P 500

S&P 500 Index

100% participation rate + 3.8% declared rate

Rate varies by premium band.

S&P 500

S&P 500 Index

4.6% cap rate

Rate varies by premium band.

S&P 500

S&P 500 Index

100% participation rate + 3.8% declared rate

Rate varies by premium band.

Nasdaq-100

SG Nasdaq-100 Edge VC10 Index

60% participation rate

Rate varies by premium band.

Nasdaq-100

SG Nasdaq-100 Edge VC10 Index

55% participation rate

Rate varies by premium band.

Nasdaq-100

SG Nasdaq-100 Edge VC10 Index

55% participation rate

Rate varies by premium band.

Nasdaq-100

SG Nasdaq-100 Edge VC10 Index

55% participation rate

Rate varies by premium band.

Nasdaq-100

SG Nasdaq-100 Edge VC10 Index

55% participation rate

Rate varies by premium band.

Fixed Account

Fixed Account

3.1% declared rate

Rate varies by premium band.

Fixed Account

Fixed Account

2.85% declared rate

Rate varies by premium band.

Fixed Account

Fixed Account

2.9% declared rate

Rate varies by premium band.

Fixed Account

Fixed Account

2.95% declared rate

Rate varies by premium band.

Fixed Account

Fixed Account

2.95% declared rate

Rate varies by premium band.

+ 35 volatility-controlled index options (MSCI EAFE, Invesco QQQ, iShares Russell...)

Lifetime Income Riders

Income rider

Income Creator

RMD friendly
Lifetime payout rate6.6% 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 filing.
  • 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 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 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.

All crediting strategies

View rate listings (55 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: 4.15% · 1-yr

S&P 500 Index

$100,000+

Par: 100% + Fixed: 4.15% · 1-yr

MSCI EAFE Index

$100,000+

Par: 100% + Fixed: 4.15% · 1-yr

Invesco QQQ Trust Series 1

$100,000+

Par: 100% + Fixed: 4.15% · 1-yr

iShares Russell 2000 ETF

$100,000+

Par: 60% · 1-yr

Barclays Large Cap Intraday VC10 Index

$100,000+

Par: 60% · 1-yr

SG Nasdaq-100 Edge VC10 Index

$100,000+

Cap: 5.1% · 1-yr

S&P 500 Index

$100,000+

Cap: 5.1% · 1-yr

MSCI EAFE Index

$100,000+

Cap: 5.1% · 1-yr

Invesco QQQ Trust Series 1

$100,000+

Cap: 5.1% · 1-yr

iShares Russell 2000 ETF

$100,000+

Fixed: 3.1% · 1-yr

Fixed Account

$100,000+

Par: 100% + Fixed: 3.8% · 10-yr

S&P 500 Index

$100,000+

Par: 100% + Fixed: 3.8% · 10-yr

MSCI EAFE Index

$100,000+

Par: 100% + Fixed: 3.8% · 10-yr

Invesco QQQ Trust Series 1

$100,000+

Par: 100% + Fixed: 3.8% · 10-yr

iShares Russell 2000 ETF

$100,000+

Par: 55% · 10-yr

Barclays Large Cap Intraday VC10 Index

$100,000+

Par: 55% · 10-yr

SG Nasdaq-100 Edge VC10 Index

$100,000+

Cap: 4.6% · 10-yr

S&P 500 Index

$100,000+

Cap: 4.6% · 10-yr

MSCI EAFE Index

$100,000+

Cap: 4.6% · 10-yr

Invesco QQQ Trust Series 1

$100,000+

Cap: 4.6% · 10-yr

iShares Russell 2000 ETF

$100,000+

Fixed: 2.95% · 10-yr

Fixed Account

$100,000+

Par: 100% + Fixed: 3.5% · 5-yr

S&P 500 Index

$100,000+

Par: 100% + Fixed: 3.5% · 5-yr

MSCI EAFE Index

$100,000+

Par: 100% + Fixed: 3.5% · 5-yr

Invesco QQQ Trust Series 1

$100,000+

Par: 100% + Fixed: 3.5% · 5-yr

iShares Russell 2000 ETF

$100,000+

Par: 55% · 5-yr

Barclays Large Cap Intraday VC10 Index

$100,000+

Par: 55% · 5-yr

SG Nasdaq-100 Edge VC10 Index

$100,000+

Cap: 4.4% · 5-yr

S&P 500 Index

$100,000+

Cap: 4.4% · 5-yr

MSCI EAFE Index

$100,000+

Cap: 4.4% · 5-yr

Invesco QQQ Trust Series 1

$100,000+

Cap: 4.4% · 5-yr

iShares Russell 2000 ETF

$100,000+

Fixed: 2.85% · 5-yr

Fixed Account

$100,000+

Par: 100% + Fixed: 3.65% · 7-yr

S&P 500 Index

$100,000+

Par: 100% + Fixed: 3.65% · 7-yr

MSCI EAFE Index

$100,000+

Par: 100% + Fixed: 3.65% · 7-yr

Invesco QQQ Trust Series 1

$100,000+

Par: 100% + Fixed: 3.65% · 7-yr

iShares Russell 2000 ETF

$100,000+

Par: 55% · 7-yr

Barclays Large Cap Intraday VC10 Index

$100,000+

Par: 55% · 7-yr

SG Nasdaq-100 Edge VC10 Index

$100,000+

Cap: 4.5% · 7-yr

S&P 500 Index

$100,000+

Cap: 4.5% · 7-yr

MSCI EAFE Index

$100,000+

Cap: 4.5% · 7-yr

Invesco QQQ Trust Series 1

$100,000+

Cap: 4.5% · 7-yr

iShares Russell 2000 ETF

$100,000+

Fixed: 2.9% · 7-yr

Fixed Account

$100,000+

Par: 100% + Fixed: 3.8% · 9-yr

S&P 500 Index

$100,000+

Par: 100% + Fixed: 3.8% · 9-yr

MSCI EAFE Index

$100,000+

Par: 100% + Fixed: 3.8% · 9-yr

Invesco QQQ Trust Series 1

$100,000+

Par: 100% + Fixed: 3.8% · 9-yr

iShares Russell 2000 ETF

$100,000+

Par: 55% · 9-yr

Barclays Large Cap Intraday VC10 Index

$100,000+

Par: 55% · 9-yr

SG Nasdaq-100 Edge VC10 Index

$100,000+

Cap: 4.6% · 9-yr

S&P 500 Index

$100,000+

Cap: 4.6% · 9-yr

MSCI EAFE Index

$100,000+

Cap: 4.6% · 9-yr

Invesco QQQ Trust Series 1

$100,000+

Cap: 4.6% · 9-yr

iShares Russell 2000 ETF

$100,000+

Fixed: 2.95% · 9-yr

Fixed Account

$100,000+

Income riders

Income rider

Lifetime Income Creator

RMD friendly
Lifetime withdrawal rate6.6%
Annual rider fee1%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age50 — 120

GLWB

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

Standard Death Benefit

Beneficiary value depends on contract terms, withdrawals, and rider elections.

Strategy guarantee

Minimum guaranteed cap: 1.25%

Strategy guarantee

Minimum guaranteed declared rate: 1.00%

Strategy guarantee

Guaranteed minimum interest rate (fixed): 0.50%

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

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.

Documents

product guide

pacific-index-income-client-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 Income 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.

  • S&P 500 Index: 5.1% cap
  • S&P 500 Index: 100% participation
  • S&P 500 Index: 4.4% cap

Income rider language

What to look for before treating the rider as income

Lifetime Income Creator 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.

  • 6.6% 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
  • 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-income-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.

  • 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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