Pacific Life Insurance Company
Pacific Index Foundation 10 Year
Rates and specifications only. Our editorial review of this product hasn't been written yet, so there's no star rating or verdict here — the figures below come straight from the carrier's filed rates and brochure.
Type
FIA
Surrender
10 years
Top yield
4.00%
A.M. Best
A+
Current Rates
Yield shown is the guaranteed yield to surrender — the honest effective return, not a first-year teaser rate. Each row is a variant of the same product.
| Strategy | Method | Rate | Cap | Par | Yield to surrender |
|---|---|---|---|---|---|
| 10-Year Fixed Account Option | Fixed | 4.00% | — | — | 4.00% |
| 10-Year Fixed Account Option | Fixed | 4.00% | — | — | 4.00% |
| 10-Year Fixed Account Option | Fixed | 3.80% | — | — | 3.80% |
| 10-Year Fixed Account Option | Fixed | 3.80% | — | — | 3.80% |
| MSCI EAFE 1-year Performance-Triggered Index Option | Performance Triggered | — | 7.25% | — | 2.70% |
| MSCI EAFE 1-year Performance-Triggered Index Option | Performance Triggered | — | 7.25% | — | 2.70% |
| MSCI EAFE 1-year Performance-Triggered Index Option | Performance Triggered | — | 7.70% | — | 2.70% |
| MSCI EAFE 1-year Performance-Triggered Index Option | Performance Triggered | — | 7.70% | — | 2.70% |
| MSCI EAFE 1-year Point-to Point with Cap | Point to Point | — | 7.30% | — | 2.70% |
| MSCI EAFE 1-year Point-to Point with Cap | Point to Point | — | 7.30% | — | 2.70% |
| MSCI EAFE 1-year Point-to Point with Cap | Point to Point | — | 7.85% | — | 2.70% |
| MSCI EAFE 1-year Point-to Point with Cap | Point to Point | — | 7.85% | — | 2.70% |
| S&P 500 1-year Performance-Triggered Index Option | Performance Triggered | — | 7.25% | — | 2.70% |
| S&P 500 1-year Performance-Triggered Index Option | Performance Triggered | — | 7.25% | — | 2.70% |
| S&P 500 1-year Performance-Triggered Index Option | Performance Triggered | — | 7.70% | — | 2.70% |
| S&P 500 1-year Performance-Triggered Index Option | Performance Triggered | — | 7.70% | — | 2.70% |
| S&P 500 1-year Point-to-Point with Cap | Point to Point | — | 7.30% | — | 2.70% |
| S&P 500 1-year Point-to-Point with Cap | Point to Point | — | 7.30% | — | 2.70% |
| S&P 500 1-year Point-to-Point with Cap | Point to Point | — | 7.85% | — | 2.70% |
| S&P 500 1-year Point-to-Point with Cap | Point to Point | — | 7.85% | — | 2.70% |
Surrender Schedule
Yr 1
9%
Yr 2
8%
Yr 3
8%
Yr 4
7%
Yr 5
6%
Yr 6
4%
Yr 7
4%
Yr 8
3%
Yr 9
2%
Yr 10
1%
Yr 11
0%
Product Specifications
- Minimum premium (non-qualified)
- $25,000
- Minimum premium (qualified)
- $25,000
- Maximum issue age
- 85
- Free withdrawal
- 10%
- Free withdrawal (year 1)
- 10%
- Market value adjustment
- true
- Return of premium
- false
- States available
- 49 states
Income Riders
Enhanced Lifetime Income BenefitGLWB
Roll-up: 7.00%
Withdrawal age: 59.0 Min
Enhanced Lifetime Income Benefit 3GLWB
Roll-up: 8.00%
Withdrawal age: 59.0 Min
Interest Enhanced Death Benefit
Roll-up: 2.00% + Interest Rate
Interest Enhanced Death Benefit NJ,OH,OR,PA,UT,WA
Roll-up: 2.00% + Interest Rate up to 250.00% of the interest credited
Carrier Brochure
Rates are a snapshot and change frequently. Figures are sourced from the carrier's filed rates via Annuity Rate Watch and refreshed nightly. Nothing here is a recommendation to buy.