Pacific Life Insurance Company
Pacific Index Foundation 5 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
5 years
Top yield
3.75%
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 |
|---|---|---|---|---|---|
| 5-Year Fixed Account Option | Fixed | 3.75% | — | — | 3.75% |
| 5-Year Fixed Account Option | Fixed | 3.75% | — | — | 3.75% |
| 5-Year Fixed Account Option | Fixed | 3.50% | — | — | 3.50% |
| 5-Year Fixed Account Option | Fixed | 3.50% | — | — | 3.50% |
| MSCI EAFE 1-year Performance-Triggered Index Option | Performance Triggered | — | 6.65% | — | 2.39% |
| MSCI EAFE 1-year Performance-Triggered Index Option | Performance Triggered | — | 6.65% | — | 2.39% |
| MSCI EAFE 1-year Performance-Triggered Index Option | Performance Triggered | — | 7.50% | — | 2.39% |
| MSCI EAFE 1-year Performance-Triggered Index Option | Performance Triggered | — | 7.50% | — | 2.39% |
| MSCI EAFE 1-year Point-to Point with Cap | Point to Point | — | 6.65% | — | 2.39% |
| MSCI EAFE 1-year Point-to Point with Cap | Point to Point | — | 6.65% | — | 2.39% |
| MSCI EAFE 1-year Point-to Point with Cap | Point to Point | — | 7.75% | — | 2.39% |
| MSCI EAFE 1-year Point-to Point with Cap | Point to Point | — | 7.75% | — | 2.39% |
| S&P 500 1-year Performance-Triggered Index Option | Performance Triggered | — | 6.65% | — | 2.39% |
| S&P 500 1-year Performance-Triggered Index Option | Performance Triggered | — | 6.65% | — | 2.39% |
| S&P 500 1-year Performance-Triggered Index Option | Performance Triggered | — | 7.50% | — | 2.39% |
| S&P 500 1-year Performance-Triggered Index Option | Performance Triggered | — | 7.50% | — | 2.39% |
| S&P 500 1-year Point-to-Point with Cap | Point to Point | — | 6.65% | — | 2.39% |
| S&P 500 1-year Point-to-Point with Cap | Point to Point | — | 6.65% | — | 2.39% |
| S&P 500 1-year Point-to-Point with Cap | Point to Point | — | 7.75% | — | 2.39% |
| S&P 500 1-year Point-to-Point with Cap | Point to Point | — | 7.75% | — | 2.39% |
Surrender Schedule
Yr 1
9%
Yr 2
8%
Yr 3
8%
Yr 4
7%
Yr 5
6%
Yr 6
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
- 50 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.