02
Income rider fees
Disclosed charges for optional riders on Pacific Life products, live from Annuity Rate Watch. Product-level detail is on each review.
| Rider | Product | Fee |
|---|---|---|
| Death Benefit (Interest Enhanced Death Benefit) | Pacific Index Dimensions 10-Year | 0.40% annually |
| Enhanced Lifetime Income Benefit | Pacific Index Dimensions 10-Year | 0.75% annually (1.50% max) |
| Interest Enhanced Death Benefit | Pacific Index Dimensions 10-Year | 0.40% annually |
| Interest Enhanced Death Benefit NJ,OH,OR,PA,UT,WA | Pacific Index Dimensions 10-Year | 0.40% annually |
| Enhanced Lifetime Income Benefit 3 | Pacific Index Foundation 10-Year | 1.00% annually |
03
Frequently asked questions
Is Pacific Life a good annuity company?
Pacific Life earns an average rating of 3.9/5 across the 7 products we've reviewed, and A.M. Best rates the carrier A+ for financial strength.
What are the fees for Pacific Life annuities?
Fee structures vary by product. Optional income riders on Pacific Life products carry disclosed charges — for example Death Benefit (Interest Enhanced Death Benefit) (Pacific Index Dimensions 10-Year): 0.40% annually ; Enhanced Lifetime Income Benefit (Pacific Index Dimensions 10-Year): 0.75% annually (1.50% max); Interest Enhanced Death Benefit (Pacific Index Dimensions 10-Year): 0.40% annually . See each product review for the full fee detail.
What is the surrender period for Pacific Life annuities?
Surrender periods on Pacific Life's current lineup run 5–10 years, depending on the product. Most products allow an annual free-withdrawal amount before charges apply — the product table above shows each product's surrender length, and each review covers the exact schedule.