Annuity rate data updated daily
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 Income 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
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 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 Up to 10% of your value can be withdrawn each year without a charge; withdrawals above the penalty-free amount during the surrender period can incur a surrender charge.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 5.6% withdrawal rate can make it worthwhile — model it in the Income tab of the analyzer above.
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.
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.
product guide
Direct link not published — request the document from the carrier.
Income rider language
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.
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-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.
Free Comparison Report
See how Pacific Index Income compares for your age, state, premium, and income goals alongside other Pacific Life fixed indexed annuity options.