Pacific Index Dimensions
Pacific Life
7.65%
Best Cap
10%
Free W/D
50
States
Pacific Index Dimensions is a deferred fixed indexed annuity that links interest credits to stock market index performance while guaranteeing your principal. It's designed for individuals seeking retirement income with downside protection and upside growth potential.
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 | -- | 110% | -- |
| MSCI EAFE Index | Annual | 7.65% | 100% | -- |
| S&P 500 Index | Annual | 7.65% | 100% | -- |
| Fixed Account | Daily | -- | -- | 3.3% |
Key Features
Principal Protection
87.5% of purchase paymentsGuaranteed minimum surrender value equals 87.5% of your purchase payments, accumulated at a guaranteed interest rate
Index-Linked Interest Crediting
14 index options availableChoose from 14 different index options including S&P 500, MSCI EAFE, BlackRock Endura, and BofA Iris U.S. Sectors with various crediting strategies (point-to-point, participation rates, enhanced rates, performance-triggered)
No Annual Fees
$0 annual feesNo contract, mortality & expense, or administrative fees charged annually
Flexible Withdrawal Charges
7 or 10-year optionsChoose between 7-year or 10-year withdrawal charge periods; charges decline annually and disappear at the end of the period
Free Withdrawal Allowance
10% annual free withdrawalWithdraw 10% annually without charge or market value adjustment; additional penalties may be waived for terminal illness, nursing home confinement, or RMD withdrawals
Annuity Income Options
Available at age 100+Convert to guaranteed lifetime income with life with period certain (5 or 10 years) or joint and survivor options when youngest annuitant reaches age 100
Index Lock-In Feature
Available on select optionsOn select 2-year index options, lock in your index price after 60 days to protect gains while the term continues
Interest Breakpoints
$100,000 breakpointHigher interest crediting rates apply when purchase payments reach $100,000 or more
Highlights
Fixed indexed annuity with no annual fees, mortality charges, or administrative costs
Choose from 14 index-linked options or a fixed account for interest crediting flexibility
Guaranteed minimum surrender value of 87.5% of purchase payments protects your principal
Optional Interest Enhanced Death Benefit grows annually by credited interest plus 2%
Market value adjustment protects you if interest rates change significantly
Surrender Schedule
Yr 1
10%
Yr 2
10%
Yr 3
9.5%
Yr 4
8.5%
Yr 5
7.5%
Yr 6
6.5%
Yr 7
5.5%
Yr 8
4.5%
Yr 9
3.5%
Yr 10
2.5%
After
0%
Nursing home waiver, RMD waiver, Terminal illness waiver
Best For
Retirement investors who want index-linked growth potential with guaranteed principal protection and are comfortable locking up funds for 7 or 10 years.
Consider Alternatives If
Investors who need immediate liquidity or frequent access to their funds, or those who are not willing to accept withdrawal charges if they need money before the charge period ends.
Carrier Ratings
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