Positioning
Pacific Life FIA platform. Offered with shorter and longer surrender variants.
Contract terms at a glance
Surrender period
7 or 10
Free withdrawal
10% per year beginning year 2
Premium minimum
$25,000
Premium maximum
Per carrier underwriting
Crediting methods available
- Annual point-to-point
- Annual point-to-point with participation rate
- Performance-triggered
See How fixed indexed annuities work for how each method works.
Riders
- Optional lifetime income rider
- Standard death benefit
Best fit
- Consumers wanting a Pacific Life-issued FIA
- Allocations balancing accumulation and optional income features
What to watch for
- Cap and participation rates vary by chosen variant and crediting method
- Income rider terms drive the lifetime income value if elected
Verify on the carrier rate card
Cap rates, participation rates, rider charges, and surrender schedules change frequently. Before purchase, request and verify the following from the carrier or producer:
- Caps and participation rates on each strategy
- Optional income rider charge
- Surrender schedule and free withdrawal terms
How to verify and source current information
- Current rate card and product brochure: Pacific Life direct or through a licensed independent producer.
- Statement of understanding (annuity contract disclosure document).
- For variable and indexed variable annuities: the SEC-registered prospectus (search EDGAR).
- Carrier financial strength ratings: A.M. Best, S&P Global Ratings, Moody's, Fitch.
- NAIC carrier search and statutory filings: content.naic.org.
- IRS Publication 575 (Pension and Annuity Income) for taxation: IRS Pub 575.
Compliance note
AnnuityMatchPro does not endorse, recommend, or sell the Pacific Index Foundation. This review is informational. Product features, surrender schedules, caps, participation rates, and rider charges vary by issue date, state, and underwriting. Confirm specific terms with the carrier or a licensed advisor before purchase. AnnuityMatchPro is not a registered investment adviser and is not a licensed insurance agency.