Registered index-linked annuity · SEC-registered · defined downside design
Pacific Protective Growth Annuity
Issued by Pacific Life Insurance Company
The upside term is shown with its index, term, downside rule, and fee status. This indexed segment can lose value.
Every segment, by index and downside design
Read across a row to compare the upside term under each published downside design. Current rates for the selected state and $100,000 premium; every percentage identifies what it is.
0%/yr strategy fee is the table default.
Swipe horizontally to compare every protection level.
| Index · term | 10% buffer | 15% buffer | 20% buffer | 100% buffer |
|---|---|---|---|---|
| S&P 500 | ||||
| 1-yearPoint-to-point | 16.25% capPublished rate instance 1 Segment detailsMinimum cap: 2%Minimum participation: 100%Minimum buffer: 0%16.25% capPublished rate instance 2 Segment detailsMinimum cap: 2%Minimum participation: 100%Minimum buffer: 0% | 12% capPublished rate instance 1 Segment detailsMinimum cap: 2%Minimum participation: 100%Minimum buffer: 0%12% capPublished rate instance 2 Segment detailsMinimum cap: 2%Minimum participation: 100%Minimum buffer: 0% | — | 6% capPublished rate instance 1 Segment detailsMinimum cap: 2%Minimum participation: 100%Minimum buffer: 100%6% capPublished rate instance 2 Segment detailsMinimum cap: 2%Minimum participation: 100%Minimum buffer: 100% |
| 1-yearDual Direction | 12.5% capPublished rate instance 1 Segment detailsMinimum cap: 2%Minimum participation: 100%Minimum buffer: 0%12.5% capPublished rate instance 2 Segment detailsMinimum cap: 2%Minimum participation: 100%Minimum buffer: 0% | 8.5% capPublished rate instance 1 Segment detailsMinimum cap: 2%Minimum participation: 100%Minimum buffer: 0%8.5% capPublished rate instance 2 Segment detailsMinimum cap: 2%Minimum participation: 100%Minimum buffer: 0% | — | — |
| 2-yearPoint-to-point | 50% capPublished rate instance 1 Segment detailsMinimum cap: 4%Minimum participation: 100%Minimum buffer: 10%50% capPublished rate instance 2 Segment detailsMinimum cap: 4%Minimum participation: 100%Minimum buffer: 10% | — | 30% capPublished rate instance 1 Segment detailsMinimum cap: 4%Minimum participation: 100%Minimum buffer: 20%30% capPublished rate instance 2 Segment detailsMinimum cap: 4%Minimum participation: 100%Minimum buffer: 20% | — |
| 3-yearPoint-to-point | Not publishedPublished rate instance 1 Segment detailsMinimum cap: 6%Minimum participation: 100%Minimum buffer: 10%Not publishedPublished rate instance 2 Segment detailsMinimum cap: 6%Minimum participation: 100%Minimum buffer: 10% | — | 50% capPublished rate instance 1 Segment detailsMinimum cap: 6%Minimum participation: 100%Minimum buffer: 20%50% capPublished rate instance 2 Segment detailsMinimum cap: 6%Minimum participation: 100%Minimum buffer: 20% | — |
| 6-yearPoint-to-point | 14% cap Segment detailsMinimum cap: 2%Minimum participation: 100%Minimum buffer: 10% | 120% cap Segment detailsMinimum cap: 12%Minimum participation: 100%Minimum buffer: 0% | 100% cap Segment detailsMinimum cap: 12%Minimum participation: 100%Minimum buffer: 0% | 60% cap Segment detailsMinimum cap: 12%Minimum participation: 100%Minimum buffer: 100% |
| 6-yearDual Direction | 150% cap Segment detailsMinimum cap: 12%Minimum participation: 100%Minimum buffer: 0% | 100% cap Segment detailsMinimum cap: 12%Minimum participation: 100%Minimum buffer: 0% | 80% cap Segment detailsMinimum cap: 12%Minimum participation: 100%Minimum buffer: 0% | — |
Showing 25 of 99 indexed segments.
Menu combined from 3 published rate instances (31 + 31 + 37 segments). Published share classes: B Share; the source does not map each rate instance to a share class.
The prospectus publishes no separately stated strategy fee for these segments, so segment outcomes use 0% strategy-fee drag. Any advisory or optional-benefit fees are separate and can reduce account value. Pacific Protective Growth Annuity summary prospectus ↗
Five Tiered Participation rows publish a term and buffer but no linked index or upside rate. They remain visible in a separate ledger and are excluded from outcome math.
The Performance Mix blend has no published underlying index and is labeled Blend (index not published).
What one segment pays at an index outcome
Contract arithmetic on today’s published terms, net of the published strategy fee; not a forecast.
Downside-aware simulator
Test an index segment outcome
The segment can lose value. This educational one-segment scenario is not a carrier illustration.
Strategy fee 0%/yr applied.
Starting value
$100,000
Segment return
-15%
Ending value
$85,000
Outcomes are net of the published strategy fee. Point-to-point uses the stated buffer; Dual Direction credits a loss inside the buffer as a gain; Dual Trigger pays its flat rate when the index is at or above the negative buffer; Performance Trigger pays its flat rate when the index is at or above zero. The annual fee is compounded across the listed segment term.
What the carrier can change at renewal
Upside rates and downside-protection terms are declared for each segment. These are the contractual minimums published with the live rows.
Read the minimum buffer twice. A renewed segment may carry no buffer at all. Today’s buffer is a declared term and is not fixed for the life of the contract.
Open “Segment details” in the matrix to see the contractual minimum attached to that exact row.
Getting money out
Surrender charge · full schedule
Analyst notes
Where it stands out
- The current menu spans five named market benchmarks plus a fixed account.
- Annual and multi-year choices include point-to-point, Dual Direction, Annual Lock, Tiered Participation, and Performance Mix designs.
- An optional Income Guard rider is published with an annual fee and a step-up feature.
What to confirm
- This registered index-linked annuity can lose the full amount allocated to an indexed segment; a buffer limits only the specified portion of loss.
- The Income Guard fee reduces contract value, while the current feed does not publish a payout rate, roll-up rate, or complete income-base mechanics. No future income is inferred.
- Surrender charges, a market value adjustment, and interim value calculations can reduce early withdrawal proceeds.
- Tiered Participation rows without a linked index or upside rate remain visible but are excluded from outcome math.
Expanded contract facts
Contract details beyond the headline rate
Key facts published in the versioned CANNEX contract ledger. Gaps are labeled, not guessed.
Source and vintage: normalized public product facts from CANNEX, observed Sep 18, 2026. Raw licensed XML and internal identifiers are not included. Terms can vary by state, premium, age, share class, and contract version; confirm the current carrier contract and illustration before purchase.
Prospectus and SEC filings
A RILA is a registered security. The prospectus governs interim value, performance lock, death benefit, and fees.
RegistrantPacific Life Insurance Company
SEC CIK0001080429
File numbers333-282283
Open filings on EDGAR ↗No verified carrier document link is published in the product feed. Rate-sheet supplements will appear only after their product and carrier match is verified.
State availability
49 published jurisdictions. Not available in New York or Oregon; New York uses the separate Pacific Protective Growth NY Annuity contract.