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. Negative index performance does not produce a negative index credit. Fees, withdrawals and surrender charges can reduce contract value.
Product analyzer
Illustrative — live CANNEX rates as of October 2, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$219,535
Gross crediting illustration at age 80 (Pacific Index Income)
Excludes the 1% annual Lifetime Income Creator charge (income option; applicability depends on contract terms); 1% annual Lifetime Income Creator charge (income option; applicability depends on contract terms). This is not a net contract value.
5.1%
Best S&P 500 1-yr point-to-point cap
Gross crediting illustration for each line; excludes the 1% annual Lifetime Income Creator charge (income option; applicability depends on contract terms); 1% annual Lifetime Income Creator charge (income option; applicability depends on contract terms).
S&P 500 Index — 4.9% Cap (Annual)
✦
How crediting works: the cap limits positive index returns; a down index year has 0% index credit before rider charges. This illustration deducts no rider charge and is not a net contract value. 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. Gross crediting only: this illustration excludes the 1% annual Lifetime Income Creator charge (income option; applicability depends on contract terms); 1% annual Lifetime Income Creator charge (income option; applicability depends on contract terms) reported in the source. Applicable rider charges depend on contract terms; their deduction bases are not modeled. Each listed charge is not deducted, and no net contract value is shown. Not a projection, quote, or guarantee. Live CANNEX rates as of October 2, 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.
rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Pacific Life product.
Live product data
Rates as of October 2, 2026, from AdvisorWorld and CANNEX.
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
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.
Index / strategyRate mechanicsCreditingSurrenderPremium
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.
These listings show published strategy details and any available rates. Use the filters to narrow by index, term, premium band, or rate type.
Par: 60% · 1-yr
Barclays Large Cap Intraday VC10 Index
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+
Par: 60% · 1-yr
SG Nasdaq-100 Edge VC10 Index
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+
Par: 60% · 1-yr
Barclays Large Cap Intraday VC10 Index
Point-to-point
Requested state: TX5-yr surrender$100,000+
Par: 60% · 1-yr
SG Nasdaq-100 Edge VC10 Index
Point-to-point
Requested state: TX5-yr surrender$100,000+
Cap: 4.9% · 1-yr
S&P 500 Index
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+
Cap: 4.9% · 1-yr
MSCI EAFE Index
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+
Cap: 4.9% · 1-yr
Invesco QQQ Trust Series 1
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+
Cap: 4.9% · 1-yr
iShares Russell 2000 ETF
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+
Cap: 4.9% · 1-yr
S&P 500 Index
Point-to-point
Requested state: TX5-yr surrender$100,000+
Cap: 4.9% · 1-yr
MSCI EAFE Index
Point-to-point
Requested state: TX5-yr surrender$100,000+
Cap: 4.9% · 1-yr
Invesco QQQ Trust Series 1
Point-to-point
Requested state: TX5-yr surrender$100,000+
Cap: 4.9% · 1-yr
iShares Russell 2000 ETF
Point-to-point
Requested state: TX5-yr surrender$100,000+
Trigger: 3.85% · 1-yr
S&P 500 Index
Performance trigger · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+
Trigger: 3.85% · 1-yr
MSCI EAFE Index
Performance trigger · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+
Trigger: 3.85% · 1-yr
Invesco QQQ Trust Series 1
Performance trigger · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+
Trigger: 3.85% · 1-yr
iShares Russell 2000 ETF
Performance trigger · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+
Trigger: 3.85% · 1-yr
S&P 500 Index
Performance trigger
Requested state: TX5-yr surrender$100,000+
Trigger: 3.85% · 1-yr
MSCI EAFE Index
Performance trigger
Requested state: TX5-yr surrender$100,000+
Trigger: 3.85% · 1-yr
Invesco QQQ Trust Series 1
Performance trigger
Requested state: TX5-yr surrender$100,000+
Trigger: 3.85% · 1-yr
iShares Russell 2000 ETF
Performance trigger
Requested state: TX5-yr surrender$100,000+
Fixed: 3% · 1-yr
Fixed Account
Fixed account · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+
Fixed: 3% · 1-yr
Fixed Account
Fixed account
Requested state: TX5-yr surrender$100,000+
Par: 55% · 5-yr
Barclays Large Cap Intraday VC10 Index
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+
Par: 55% · 5-yr
SG Nasdaq-100 Edge VC10 Index
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+
Par: 55% · 5-yr
Barclays Large Cap Intraday VC10 Index
Point-to-point
Requested state: TX5-yr surrender$100,000+
Par: 55% · 5-yr
SG Nasdaq-100 Edge VC10 Index
Point-to-point
Requested state: TX5-yr surrender$100,000+
Cap: 4.4% · 5-yr
S&P 500 Index
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+
Cap: 4.4% · 5-yr
MSCI EAFE Index
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+
Cap: 4.4% · 5-yr
Invesco QQQ Trust Series 1
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+
Cap: 4.4% · 5-yr
iShares Russell 2000 ETF
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+
Cap: 4.4% · 5-yr
S&P 500 Index
Point-to-point
Requested state: TX5-yr surrender$100,000+
Cap: 4.4% · 5-yr
MSCI EAFE Index
Point-to-point
Requested state: TX5-yr surrender$100,000+
Cap: 4.4% · 5-yr
Invesco QQQ Trust Series 1
Point-to-point
Requested state: TX5-yr surrender$100,000+
Cap: 4.4% · 5-yr
iShares Russell 2000 ETF
Point-to-point
Requested state: TX5-yr surrender$100,000+
Trigger: 3.5% · 5-yr
S&P 500 Index
Performance trigger · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+
Trigger: 3.5% · 5-yr
MSCI EAFE Index
Performance trigger · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+
Trigger: 3.5% · 5-yr
Invesco QQQ Trust Series 1
Performance trigger · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+
Trigger: 3.5% · 5-yr
iShares Russell 2000 ETF
Performance trigger · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+
Trigger: 3.5% · 5-yr
S&P 500 Index
Performance trigger
Requested state: TX5-yr surrender$100,000+
Trigger: 3.5% · 5-yr
MSCI EAFE Index
Performance trigger
Requested state: TX5-yr surrender$100,000+
Trigger: 3.5% · 5-yr
Invesco QQQ Trust Series 1
Performance trigger
Requested state: TX5-yr surrender$100,000+
Trigger: 3.5% · 5-yr
iShares Russell 2000 ETF
Performance trigger
Requested state: TX5-yr surrender$100,000+
Fixed: 2.85% · 5-yr
Fixed Account
Fixed account · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+
Fixed: 2.85% · 5-yr
Fixed Account
Fixed account
Requested state: TX5-yr surrender$100,000+
Cap: 5% · 1-yr
S&P 500 Index
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+
Cap: 5% · 1-yr
MSCI EAFE Index
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+
Cap: 5% · 1-yr
Invesco QQQ Trust Series 1
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+
Cap: 5% · 1-yr
iShares Russell 2000 ETF
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+
Cap: 5% · 1-yr
S&P 500 Index
Point-to-point
Requested state: TX7-yr surrender$100,000+
Cap: 5% · 1-yr
MSCI EAFE Index
Point-to-point
Requested state: TX7-yr surrender$100,000+
Cap: 5% · 1-yr
Invesco QQQ Trust Series 1
Point-to-point
Requested state: TX7-yr surrender$100,000+
Cap: 5% · 1-yr
iShares Russell 2000 ETF
Point-to-point
Requested state: TX7-yr surrender$100,000+
Trigger: 4% · 1-yr
S&P 500 Index
Performance trigger · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+
Trigger: 4% · 1-yr
MSCI EAFE Index
Performance trigger · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+
Trigger: 4% · 1-yr
Invesco QQQ Trust Series 1
Performance trigger · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+
Trigger: 4% · 1-yr
iShares Russell 2000 ETF
Performance trigger · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+
Trigger: 4% · 1-yr
S&P 500 Index
Performance trigger
Requested state: TX7-yr surrender$100,000+
Trigger: 4% · 1-yr
MSCI EAFE Index
Performance trigger
Requested state: TX7-yr surrender$100,000+
Trigger: 4% · 1-yr
Invesco QQQ Trust Series 1
Performance trigger
Requested state: TX7-yr surrender$100,000+
Trigger: 4% · 1-yr
iShares Russell 2000 ETF
Performance trigger
Requested state: TX7-yr surrender$100,000+
Fixed: 3.05% · 1-yr
Fixed Account
Fixed account · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+
Fixed: 3.05% · 1-yr
Fixed Account
Fixed account
Requested state: TX7-yr surrender$100,000+
Par: 55% · 7-yr
Barclays Large Cap Intraday VC10 Index
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+
Par: 55% · 7-yr
SG Nasdaq-100 Edge VC10 Index
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+
Par: 55% · 7-yr
Barclays Large Cap Intraday VC10 Index
Point-to-point
Requested state: TX7-yr surrender$100,000+
Par: 55% · 7-yr
SG Nasdaq-100 Edge VC10 Index
Point-to-point
Requested state: TX7-yr surrender$100,000+
Cap: 4.5% · 7-yr
S&P 500 Index
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+
Cap: 4.5% · 7-yr
MSCI EAFE Index
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+
Cap: 4.5% · 7-yr
Invesco QQQ Trust Series 1
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+
Cap: 4.5% · 7-yr
iShares Russell 2000 ETF
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+
Cap: 4.5% · 7-yr
S&P 500 Index
Point-to-point
Requested state: TX7-yr surrender$100,000+
Cap: 4.5% · 7-yr
MSCI EAFE Index
Point-to-point
Requested state: TX7-yr surrender$100,000+
Cap: 4.5% · 7-yr
Invesco QQQ Trust Series 1
Point-to-point
Requested state: TX7-yr surrender$100,000+
Cap: 4.5% · 7-yr
iShares Russell 2000 ETF
Point-to-point
Requested state: TX7-yr surrender$100,000+
Trigger: 3.65% · 7-yr
S&P 500 Index
Performance trigger · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+
Trigger: 3.65% · 7-yr
MSCI EAFE Index
Performance trigger · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+
Trigger: 3.65% · 7-yr
Invesco QQQ Trust Series 1
Performance trigger · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+
Trigger: 3.65% · 7-yr
iShares Russell 2000 ETF
Performance trigger · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+
Trigger: 3.65% · 7-yr
S&P 500 Index
Performance trigger
Requested state: TX7-yr surrender$100,000+
Trigger: 3.65% · 7-yr
MSCI EAFE Index
Performance trigger
Requested state: TX7-yr surrender$100,000+
Trigger: 3.65% · 7-yr
Invesco QQQ Trust Series 1
Performance trigger
Requested state: TX7-yr surrender$100,000+
Trigger: 3.65% · 7-yr
iShares Russell 2000 ETF
Performance trigger
Requested state: TX7-yr surrender$100,000+
Fixed: 2.9% · 7-yr
Fixed Account
Fixed account · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+
Fixed: 2.9% · 7-yr
Fixed Account
Fixed account
Requested state: TX7-yr surrender$100,000+
Cap: 5.1% · 1-yr
S&P 500 Index
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 202610-yr surrender$100,000+
Cap: 5.1% · 1-yr
MSCI EAFE Index
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 202610-yr surrender$100,000+
Cap: 5.1% · 1-yr
Invesco QQQ Trust Series 1
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 202610-yr surrender$100,000+
Cap: 5.1% · 1-yr
iShares Russell 2000 ETF
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 202610-yr surrender$100,000+
Cap: 5.1% · 1-yr
S&P 500 Index
Point-to-point
Requested state: TX10-yr surrender$100,000+
Cap: 5.1% · 1-yr
MSCI EAFE Index
Point-to-point
Requested state: TX10-yr surrender$100,000+
Cap: 5.1% · 1-yr
Invesco QQQ Trust Series 1
Point-to-point
Requested state: TX10-yr surrender$100,000+
Cap: 5.1% · 1-yr
iShares Russell 2000 ETF
Point-to-point
Requested state: TX10-yr surrender$100,000+
Trigger: 4.15% · 1-yr
S&P 500 Index
Performance trigger · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 202610-yr surrender$100,000+
Trigger: 4.15% · 1-yr
MSCI EAFE Index
Performance trigger · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 202610-yr surrender$100,000+
Trigger: 4.15% · 1-yr
Invesco QQQ Trust Series 1
Performance trigger · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 202610-yr surrender$100,000+
Trigger: 4.15% · 1-yr
iShares Russell 2000 ETF
Performance trigger · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 202610-yr surrender$100,000+
Trigger: 4.15% · 1-yr
S&P 500 Index
Performance trigger
Requested state: TX10-yr surrender$100,000+
Trigger: 4.15% · 1-yr
MSCI EAFE Index
Performance trigger
Requested state: TX10-yr surrender$100,000+
Trigger: 4.15% · 1-yr
Invesco QQQ Trust Series 1
Performance trigger
Requested state: TX10-yr surrender$100,000+
Trigger: 4.15% · 1-yr
iShares Russell 2000 ETF
Performance trigger
Requested state: TX10-yr surrender$100,000+
Fixed: 3.1% · 1-yr
Fixed Account
Fixed account · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 202610-yr surrender$100,000+
Fixed: 3.1% · 1-yr
Fixed Account
Fixed account
Requested state: TX10-yr surrender$100,000+
Par: 55% · 10-yr
Barclays Large Cap Intraday VC10 Index
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 202610-yr surrender$100,000+
Par: 55% · 10-yr
SG Nasdaq-100 Edge VC10 Index
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 202610-yr surrender$100,000+
Par: 55% · 10-yr
Barclays Large Cap Intraday VC10 Index
Point-to-point
Requested state: TX10-yr surrender$100,000+
Par: 55% · 10-yr
SG Nasdaq-100 Edge VC10 Index
Point-to-point
Requested state: TX10-yr surrender$100,000+
Cap: 4.6% · 10-yr
S&P 500 Index
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 202610-yr surrender$100,000+
Cap: 4.6% · 10-yr
MSCI EAFE Index
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 202610-yr surrender$100,000+
Cap: 4.6% · 10-yr
Invesco QQQ Trust Series 1
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 202610-yr surrender$100,000+
Cap: 4.6% · 10-yr
iShares Russell 2000 ETF
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 202610-yr surrender$100,000+
Cap: 4.6% · 10-yr
S&P 500 Index
Point-to-point
Requested state: TX10-yr surrender$100,000+
Cap: 4.6% · 10-yr
MSCI EAFE Index
Point-to-point
Requested state: TX10-yr surrender$100,000+
Cap: 4.6% · 10-yr
Invesco QQQ Trust Series 1
Point-to-point
Requested state: TX10-yr surrender$100,000+
Cap: 4.6% · 10-yr
iShares Russell 2000 ETF
Point-to-point
Requested state: TX10-yr surrender$100,000+
Trigger: 3.8% · 10-yr
S&P 500 Index
Performance trigger · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 202610-yr surrender$100,000+
Trigger: 3.8% · 10-yr
MSCI EAFE Index
Performance trigger · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 202610-yr surrender$100,000+
Trigger: 3.8% · 10-yr
Invesco QQQ Trust Series 1
Performance trigger · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 202610-yr surrender$100,000+
Trigger: 3.8% · 10-yr
iShares Russell 2000 ETF
Performance trigger · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 202610-yr surrender$100,000+
Trigger: 3.8% · 10-yr
S&P 500 Index
Performance trigger
Requested state: TX10-yr surrender$100,000+
Trigger: 3.8% · 10-yr
MSCI EAFE Index
Performance trigger
Requested state: TX10-yr surrender$100,000+
Trigger: 3.8% · 10-yr
Invesco QQQ Trust Series 1
Performance trigger
Requested state: TX10-yr surrender$100,000+
Trigger: 3.8% · 10-yr
iShares Russell 2000 ETF
Performance trigger
Requested state: TX10-yr surrender$100,000+
Fixed: 2.95% · 10-yr
Fixed Account
Fixed account · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 202610-yr surrender$100,000+
Fixed: 2.95% · 10-yr
Fixed Account
Fixed account
Requested state: TX10-yr surrender$100,000+
Income riders
Income rider
Lifetime Income Creator
RMD friendly
Lifetime withdrawal rate6.6%
Annual rider fee1%
Deferral assumed0 years
GLWB
Income rider
Lifetime Income Creator
RMD friendly
Lifetime withdrawal rate6.1%
Annual rider fee1%
Deferral assumed0 years
GLWB
Common questions about Pacific Index Income
● Can I lose money in Pacific Index Income?
A negative index return by itself does not reduce the contract's account value: Pacific Index Income credits 0% — the floor — for that indexed period. The account value can still decrease from the published rider fee, withdrawals, surrender charges, 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.
● Is the Lifetime Income Creator income rider worth the 1% fee?
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 6.6% withdrawal rate can make it worthwhile — model it in the Income tab of the analyzer above.
● How do Pacific Index Income's crediting strategies compare?
Use "Compare against" in the analyzer to overlay another available Pacific Index Income strategy on the same premium, age, years, and hypothetical index path. The control labels the strategy type, rate, index, and context so caps, participation rates, triggers, spreads, and fixed-account choices are not treated as interchangeable.
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.
Cap-rate floor
1.25%
Minimum guaranteed cap for cap-based indexed strategies.
Declared-rate floor
1.00%
Minimum guaranteed declared rate for declared-rate or performance-trigger strategies.
Fixed account guarantee
0.50%
Guaranteed minimum interest rate for the fixed account.
Participation-rate floor
10.00%
Minimum guaranteed participation rate for participation-rate indexed strategies.
Annuitization options
Certain period, Joint life, Single life
Published payout options from the normalized contract facts.
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 is currently unavailable for this product. 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+
FitchAA-
Moody'sAa3
S&PAA-
Contract notes from product data
Crediting design
How the interest-crediting choices are framed
Pacific Index Income currently shows 124 indexed or fixed crediting options, including S&P 500 Index, with 80 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.
What to look for before treating the rider as income
Lifetime Income Creator 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.
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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See how Pacific Index Income compares for your age, state, premium, and income goals alongside other Pacific Life fixed indexed annuity options.
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