Pacific Index Foundation 2
Pacific Life
9.1%
Best Cap
10%
Free W/D
50
States
Pacific Index Foundation 2 is a deferred fixed indexed annuity that protects your principal while offering growth potential tied to market index performance. It's designed for retirees seeking tax-deferred growth, income security, and downside protection.
Free Withdrawal
10%/yr
Available In
50 states
Min Premium
$25,000
Surrender
10 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| Barclays Large Cap Intraday VC10 Index | Annual | -- | 100% | -- |
| Invesco QQQ Trust Series 1 | Annual | 9.1% | 100% | -- |
| iShares Russell 2000 ETF | Annual | 9.1% | 100% | -- |
| MSCI EAFE Index | Annual | 9.1% | 100% | -- |
| SG Nasdaq-100 Edge VC10 Index | Annual | -- | 95% | -- |
| S&P 500 Index | Annual | 9.1% | 100% | -- |
| Fixed Account | Daily | -- | -- | 4% |
Key Features
Principal Protection
Guaranteed minimum surrender valueYour money is not invested in the market, so you won't lose value due to market downturns
Index-Linked Growth Options
6 indexes available with various crediting methodsEarn interest based on positive movement of market indexes (S&P 500, Nasdaq-100, Russell 2000, MSCI EAFE, and volatility-controlled options)
Fixed Account Option
Rate locked in at issue for 1, 5, 7, or 10 yearsGuaranteed fixed interest rate credited daily, with rates renewing annually after initial guarantee period
Tax Deferral
Example: $100k grows to $212,424 after-tax in 20 years vs. $195,169 taxableInterest compounds without annual income tax, accelerating growth until withdrawal
Flexible Withdrawals
Withdrawal charges range from 1-8% depending on year and term selectedWithdraw up to 10% annually without charges; penalty-free access for terminal illness, nursing home confinement, and RMD distributions
Annuity Income Options
6 payout options including life-only, life with period certain, and joint survivorConvert to lifetime income payments for yourself, spouse, or a specific period after first contract year
Beneficiary Benefits
Benefits paid directly to heirs outside probateStandard death benefit included (greater of contract value or guaranteed minimum surrender value); optional Interest Enhanced Death Benefit available
Highlights
Principal protection—your money never loses value due to market downturns since it's not directly invested in the stock market
Growth potential linked to market indexes without market risk, through multiple crediting options (fixed, point-to-point, participation rate)
Tax-deferred growth means your interest compounds without annual taxes, helping your money grow faster
Flexibility to choose contract terms (5, 7, or 10 years) and guaranteed rate periods (1 year or full term)
Access up to 10% of your contract value annually without charges, plus penalty-free withdrawals for qualifying events
Surrender Schedule
Yr 1
8%
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
Retirees and near-retirees seeking principal protection, tax-deferred growth, and flexible access to their money without direct market risk.
Consider Alternatives If
Investors needing immediate liquidity or who cannot commit to a 5-10 year time horizon should consider other options due to withdrawal charges.
Carrier Ratings
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