Pacific Index Foundation
Pacific Life
7.8%
Best Cap
10%
Free W/D
50
States
Pacific Index Foundation is a fixed indexed annuity that protects your principal while offering growth potential tied to market index performance. It's designed for conservative-to-moderate investors seeking income security and tax-deferred growth in retirement.
Free Withdrawal
10%/yr
Available In
50 states
Min Premium
$25,000
Surrender
10 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| MSCI EAFE Index | Annual | 7.8% | 100% | -- |
| S&P 500 Index | Annual | 7.8% | 100% | -- |
| Fixed Account | Daily | -- | -- | 3.8% |
Key Features
Principal Protection
Guaranteed minimum surrender value = 91% of purchase paymentsYour money never loses value due to market performance; negative index returns result in no interest credit but zero loss
Interest-Crediting Options
Cap-based or declared rate method availableChoose how to earn interest: fixed rate, point-to-point with caps, or performance-triggered based on index movement
Index Choices
Two index options; can split allocationAllocate to U.S. equities (S&P 500) or international developed markets (MSCI EAFE)
Initial Guaranteed Period
Aligns with withdrawal charge scheduleSelect 5, 7, or 10-year period during which rates and caps remain unchanged
Withdrawal Access
Systematic or on-demand withdrawals permittedWithdraw up to 10% annually penalty-free; partial withdrawals available after 30 days
Lifetime Income
Available after first anniversary; 6 payout methodsConvert to guaranteed annuity payments for life using multiple payout options
Death Benefit
Passes outside probate; withdrawal charges waivedDesignated beneficiaries receive the greater of contract value or guaranteed minimum surrender value
Tax Deferral
Example: $100K grows to $212,424 after-tax vs. $195,169 taxable in 20 yearsInterest compounds without annual income tax until withdrawal
Highlights
Principal protection even during market downturns—your money is never invested in the stock market
Growth potential linked to S&P 500 or international indexes without direct market exposure
Tax-deferred growth that compounds faster than taxable investments
Flexible withdrawal options and guaranteed lifetime income through annuitization
Rates and caps locked in for your entire chosen guaranteed period (5, 7, or 10 years)
Surrender Schedule
Yr 1
9%
Yr 2
8%
Yr 3
8%
Yr 4
7%
Yr 5
6%
Yr 6
4%
Yr 7
4%
Yr 8
3%
Yr 9
2%
Yr 10
1%
After
0%
Nursing home waiver, RMD waiver, Terminal illness waiver
Best For
Conservative-to-moderate investors within 5-10 years of retirement who want principal protection, tax-deferred growth, and guaranteed lifetime income without direct stock market exposure.
Consider Alternatives If
Investors seeking high growth potential, those who need immediate access to funds without penalties, or individuals in high tax brackets who benefit more from capital gains treatment than ordinary income tax deferral.
Carrier Ratings
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