Pacific Advisory Fixed Indexed Annuity
Pacific Life
10.25%
Best Cap
10%
Free W/D
50
States
Pacific Advisory Fixed Indexed Annuity is a tax-deferred contract that protects your principal while offering growth potential linked to stock market indexes. It's designed for conservative investors approaching retirement who want market upside without downside risk.
Free Withdrawal
10%/yr
Available In
50 states
Min Premium
$25,000
Surrender
1 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| MSCI EAFE Index | Annual | 10.25% | 100% | -- |
| S&P 500 Index | Annual | 10% | 100% | -- |
| Fixed Account | Daily | -- | -- | 3.75% |
Key Features
Principal Protection
100% protected from market lossesYour contract value cannot decrease due to market declines. You earn a percentage of positive index returns up to a cap, but never lose money in down markets.
Index-Linked Interest Options
Customizable annually on contract anniversariesChoose from S&P 500 or MSCI EAFE indexes paired with Annual Point-to-Point (capped returns) or Annual Performance-Triggered (guaranteed returns in flat/positive markets) crediting methods.
Fixed Account Option
Rate guaranteed for one contract yearEarn a guaranteed fixed interest rate, reset annually with a floor never below the contract minimum guarantee.
Tax-Deferred Growth
Continuous compounding until withdrawalEarnings compound without current taxation; you only pay taxes when you withdraw.
Fee-Friendly Structure
Up to 1.50% annual advisory fee allowanceAdvisory fee withdrawals up to 1.50% annually don't reduce the value used to calculate index-linked interest and create no taxable event.
No Withdrawal Charges
5-year initial option period with MVA flexibilityAccess your money without surrender charges; only a Market Value Adjustment may apply during the initial 5-year option period on excess withdrawals.
Income Options
Available after first year through annuitizationConvert your contract to lifetime fixed annuity payments for predictable retirement income.
Death Benefit
Contract value paid to beneficiariesIf you pass away before annuity payments begin, your beneficiaries receive the full contract value.
Highlights
Principal protection: Your money is 100% protected from market losses with no direct stock market participation
Growth potential linked to market indexes without bearing downside risk
Tax-deferred earnings that compound over time until you withdraw
Fee-friendly structure where advisory fees don't reduce index-linked interest calculations
Flexible interest-earning options you can customize annually and lifetime income through annuitization
Surrender Schedule
Yr 0
0%
After
0%
Best For
Conservative investors nearing or in retirement who want principal protection, tax-deferred growth, and potential market upside without direct market exposure, particularly those who have maxed out 401(k) or IRA contributions.
Consider Alternatives If
Investors seeking aggressive growth or unrestricted access to funds during the initial 5-year period should consider other options.
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