Pacific Life
Financial Ratings
About Pacific Life
Pacific Life offers 10 annuity products tracked on our platform. Pacific Expedition 2 combines guaranteed principal protection with tax-deferred growth, multiple payout options for lifetime income, and award-winning customer service—offering a complete solution for converting savings into secure retirement paychecks.
Product Lineup
Expedition 2 with MVA
AnnuityGuaranteed Growth. Tax-Deferred. Lifetime Income.
Best for: Retirees and pre-retirees who prioritize safety and predictable income over mark...
Details →Expedition II
AnnuityGuaranteed rates. Tax-deferred growth. Lifetime income.
Best for: Retirees and near-retirees who prioritize safety and predictable income over mar...
Details →Index Advisory
Fixed Indexed AnnuityProtected Growth. Market-Linked Returns. Lifetime Income.
Best for: Conservative-to-moderate investors within 5-7 years of retirement who want princ...
Details →Index Edge
Fixed Indexed AnnuityProtected growth with index participation, no market risk
Best for: Retirees and near-retirees age 85 or younger who want principal protection with ...
Details →Pacific Advisory Fixed Indexed Annuity
Fixed Indexed AnnuityProtected Growth + Index Upside with No Market Risk
Best for: Conservative investors nearing or in retirement who want principal protection, t...
Details →Pacific Harbor
Multi-Year GuaranteedGuaranteed growth. No market risk. No surrender charges.
Best for: People nearing or in retirement who want guaranteed growth without market risk a...
Details →Pacific Index Dimensions
Fixed Indexed AnnuityIndex-Linked Growth with Principal Guarantee
Best for: Retirement investors who want index-linked growth potential with guaranteed prin...
Details →Pacific Index Foundation
Fixed Indexed AnnuityProtected Growth + Index Upside + Lifetime Income
Best for: Conservative-to-moderate investors within 5-10 years of retirement who want prin...
Details →Pacific Index Foundation 2
Fixed Indexed AnnuityProtected growth linked to market indexes—no market risk
Best for: Retirees and near-retirees seeking principal protection, tax-deferred growth, an...
Details →Pacific Index Income
Fixed Indexed AnnuityProtected Growth + Guaranteed Lifetime Income
Best for: Retirees or near-retirees seeking protected principal, tax-deferred growth, and ...
Details →Financial Ratings
Live from CANNEXRating Agency
A.M. Best
Rating
A
Description
Excellent
Effective
November 11, 2024
Rating Agency
Fitch
Rating
AA-
Description
Very strong
Effective
August 8, 2025
Rating Agency
Moody's
Rating
Aa3
Description
Excellent
Effective
November 6, 2025
Rating Agency
Standard & Poor's
Rating
AA-
Description
Very strong
Effective
April 3, 2025
Rating Analysis
Pacific Life is consistently rated in the upper 'A' category by major credit rating agencies, which reflects its strong financial stability and robust capitalization. These ratings demonstrate Pacific Life's excellent ability to meet its ongoing insurance obligations, supported by a well-diversified business model that spans life insurance, annuities, and investment products. The company's strong market position is enhanced by its broad distribution networks and diverse product offerings. The outlook for Pacific Life is typically stable, indicating a steady financial and operational outlook with minimal risk of negative changes in the near term.
Pacific Life Products
Fixed Indexed Annuities
Explore Pacific Life fixed indexed annuity products with current rates and features.
View Products→Multi-Year Guaranteed Annuities
Compare Pacific Life MYGA products with guaranteed rates and terms.
View Products→Immediate Annuities (SPIA)
View Pacific Life single premium immediate annuity options.
View Products→Deferred Income Annuities (DIA)
Explore Pacific Life deferred income and QLAC products.
View Products→Free Comparison Report
Get Pacific Life's rate comparison report
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