Index Edge
Pacific Life
8.75%
Best Cap
10%
Free W/D
50
States
A deferred fixed indexed annuity that combines principal protection with the potential for higher returns linked to the S&P 500 or BlackRock Endura indexes. It's designed for retirees and near-retirees seeking secure lifetime income without the volatility of direct stock market investment.
Free Withdrawal
10%/yr
Available In
50 states
Min Premium
$25,000
Surrender
10 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| BlackRock Endura Index | Annual | -- | 152% | -- |
| S&P 500 Index | Annual | 8.75% | 100% | -- |
| Fixed Account | Daily | -- | -- | 4% |
Key Features
Guaranteed Minimum Surrender Value
87.5–91% of purchase paymentsYour money is guaranteed to grow to at least 87.5% of purchase payments (91% in select states) accumulated at a fixed interest rate, even if market performance is poor.
Flexible Withdrawal Charge Periods
5, 7, or 10 yearsSelect 5, 7, or 10-year withdrawal charge periods at contract issue. After the period ends, you can withdraw penalty-free.
Annual Penalty-Free Withdrawal
10% per yearWithdraw up to 10% of your contract value annually without surrender charges or market value adjustments.
Multiple Interest-Crediting Options
1 fixed + 4 index-linked optionsChoose between a fixed account with declared rates, or four index-linked options tied to S&P 500 or BlackRock Endura Index performance.
No Annual Fees
$0 annual feesNo annual contract, mortality & expense, or administrative fees—your money grows without hidden charges.
Purchase Flexibility
$25,000–$2 million maximumMinimum $25,000 initial purchase with up to $100,000 in additional payments within 60 days of issue.
Highlights
Guaranteed income floor protects your principal while you participate in market-linked growth potential
Choose between fixed or index-linked interest crediting with no annual fees or mortality charges
Flexible withdrawal options including 10% annual penalty-free withdrawals and waived charges for hardship situations
Optional income riders provide guaranteed lifetime withdrawals or enhanced death benefits for beneficiaries
Surrender Schedule
Yr 1
9%
Yr 2
9%
Yr 3
8%
Yr 4
7%
Yr 5
6%
Yr 6
5%
Yr 7
4%
Yr 8
3%
Yr 9
2%
Yr 10
1%
After
0%
Nursing home waiver, RMD waiver, Terminal illness waiver
Best For
Retirees and near-retirees age 85 or younger who want principal protection with upside growth potential and are willing to accept withdrawal restrictions in exchange for guaranteed income floors.
Consider Alternatives If
Investors in New York, those needing immediate access to all funds without penalty, or individuals uncomfortable with multi-year withdrawal restrictions and market value adjustments.
Carrier Ratings
Free Comparison Report
Get a personalized Index Edge illustration
See year-by-year projections for your specific age, premium, and income goals.