Pacific Index Income
Pacific Life
5.1%
Best Cap
10%
Free W/D
50
States
Pacific Index Income is a deferred fixed indexed annuity that protects your principal while offering growth potential tied to market indexes. It's designed for retirees seeking guaranteed lifetime income, tax deferral benefits, and the flexibility to access their money when needed.
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 | -- | 55% | -- |
| Invesco QQQ Trust Series 1 | Annual | 5.1% | 100% | -- |
| iShares Russell 2000 ETF | Annual | 5.1% | 100% | -- |
| MSCI EAFE Index | Annual | 5.1% | 100% | -- |
| SG Nasdaq-100 Edge VC10 Index | Annual | -- | 60% | -- |
| S&P 500 Index | Annual | 5.1% | 100% | -- |
| Fixed Account | Daily | -- | -- | 3% |
Key Features
Principal Protection
Your money is not invested in the market, so you cannot lose value due to market downturns
Index-Linked Growth Options
6 indexesSix market indexes available including S&P 500, Nasdaq-100, Russell 2000, and international options
Interest-Crediting Options
5 optionsChoose from fixed account or four point-to-point index-linked options with different growth scenarios
Lifetime Income Creator
1.00% annual feeGuaranteed lifetime withdrawal benefit with automatic resets and deferral credits that grow for up to 20 years
Tax Deferral
Interest compounds without current income tax, allowing faster growth
Flexible Withdrawals
10% annuallyWithdraw up to 10% of contract value annually without charges during the withdrawal charge period
Contract Term Options
5/7/10 yearsChoose 5, 7, or 10-year terms (9 years in California) to match your retirement timeline
Beneficiary Benefit
Included death benefit equal to the greater of contract value or guaranteed minimum surrender value
Highlights
Principal protection—your money isn't invested in the market, so you won't lose value due to market downturns
Growth potential linked to market indexes without direct market exposure
Guaranteed lifetime income through Lifetime Income Creator that increases even if no interest is earned
Tax-deferred growth that allows your money to compound faster
Flexible access to your money with penalty-free withdrawals up to 10% annually
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 or near-retirees seeking protected principal, tax-deferred growth, and guaranteed lifetime income with flexibility to access funds when needed.
Consider Alternatives If
Investors seeking unlimited upside growth, frequent access to principal without penalties, or those unable to commit to a 5-10 year time horizon should consider other options.
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