Pacific Life Producer Alliance
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Pacific Life Producer Alliance

For more information and current rates, please call
(888) 200-4372 or your financial professional.
Rates are subject to change without notice.

Pacific Life Home

Fixed Annuities Rates

Fixed Rates
Deferred, Fixed Indexed Annuities

Deferred, fixed indexed annuities offer principal protection and the opportunity to earn interest based on the positive movement of an index.

  • Pacific Index Choice®

    Initial Guaranteed Period

    Rates Effective as of:
     
    6-Year Initial Guaranteed Period
    S&P 500® Index
    Index-Linked Options Breakpoint1 Credit Enhancement Cap/Rate2 Initial Index Term3 Yield Opportunity4
    1-Year Point-to-Point < $100,000      
    ≥ $100,000      
    2-Year Point-to-Point < $100,000      
    ≥ $100,000      
    Declared Index Interest < $100,000      
    ≥ $100,000      
    6-Year Initial Guaranteed Period
    MSCI ACWI® Index
    Index-Linked Options Breakpoint1 Credit Enhancement Cap/Rate2 Initial Index Term3 Yield Opportunity4
    1-Year Point-to-Point < $100,000      
    ≥ $100,000      
    2-Year Point-to-Point < $100,000      
    ≥ $100,000      
    Declared Index Interest < $100,000      
    ≥ $100,000      
    6-Year Initial Guaranteed Period
    Interest-Crediting Option Breakpoint Credit Enhancement Rate First Year Effective Yield
    Fixed Account N/A      
    8-Year Initial Guaranteed Period
    S&P 500® Index
    Index-Linked Options Breakpoint1 Credit Enhancement Cap/Rate2 Initial Index Term3 Yield Opportunity4
    1-Year Point-to-Point < $100,000      
    ≥ $100,000      
    2-Year Point-to-Point < $100,000      
    ≥ $100,000      
    Declared Index Interest < $100,000      
    ≥ $100,000      
    8-Year Initial Guaranteed Period
    MSCI ACWI® Index
    Index-Linked Options Breakpoint1 Credit Enhancement Cap/Rate2 Initial Index Term3 Yield Opportunity4
    1-Year Point-to-Point < $100,000      
    ≥ $100,000      
    2-Year Point-to-Point < $100,000      
    ≥ $100,000      
    Declared Index Interest < $100,000      
    ≥ $100,000      
    8-Year Initial Guaranteed Period
    Interest-Crediting Option Breakpoint Credit Enhancement Rate First Year Effective Yield
    Fixed Account N/A      
    10-Year Initial Guaranteed Period
    S&P 500® Index
    Index-Linked Options Breakpoint1 Credit Enhancement Cap/Rate2 Initial Index Term3 Yield Opportunity4
    1-Year Point-to-Point < $100,000      
    ≥ $100,000      
    2-Year Point-to-Point < $100,000      
    ≥ $100,000      
    Declared Index Interest < $100,000      
    ≥ $100,000      
    10-Year Initial Guaranteed Period
    MSCI ACWI® Index
    Index-Linked Options Breakpoint1 Credit Enhancement Cap/Rate2 Initial Index Term3 Yield Opportunity4
    1-Year Point-to-Point < $100,000      
    ≥ $100,000      
    2-Year Point-to-Point < $100,000      
    ≥ $100,000      
    Declared Index Interest < $100,000      
    ≥ $100,000      
    10-Year Initial Guaranteed Period
    Interest-Crediting Option Breakpoint Credit Enhancement Rate First Year Effective Yield
    Fixed Account N/A      
    Guaranteed Minimum Rates/Caps
    Interest-Crediting Option Cap/Rate
    Index-Linked 1-Year Point-to-Point Option  
    2-Year Point-to-Point Option  
    Declared Index Inerest Option  
    Fixed Account    

    Guaranteed Minimum Surrender Value equals 100% of purchase payments, excluding any credit enhancements, accumulated at 1%, compounded annually, minus prior withdrawals and applicable withdrawal charges.

    6-Year Initial Guaranteed Period
    S&P 500® Index
    Index-Linked Options Breakpoint1 Credit Enhancement Cap/Rate2 Initial Index Term3 Yield Opportunity4
    1-Year Point-to-Point < $100,000      
    = $100,000      
    2-Year Point-to-Point < $100,000      
    = $100,000      
    Declared Index Interest < $100,000      
    = $100,000      
    6-Year Initial Guaranteed Period
    MSCI ACWI® Index
    Index-Linked Options Breakpoint1 Credit Enhancement Cap/Rate2 Initial Index Term3 Yield Opportunity4
    1-Year Point-to-Point < $100,000      
    = $100,000      
    2-Year Point-to-Point < $100,000      
    = $100,000      
    Declared Index Interest < $100,000      
    = $100,000      
    6-Year Initial Guaranteed Period
    Interest-Crediting Option Breakpoint Credit Enhancement Rate First Year Effective Yield
    Fixed Account N/A      
    8-Year Initial Guaranteed Period
    S&P 500® Index
    Index-Linked Options Breakpoint1 Credit Enhancement Cap/Rate2 Initial Index Term3 Yield Opportunity4
    1-Year Point-to-Point < $100,000      
    = $100,000      
    2-Year Point-to-Point < $100,000      
    = $100,000      
    Declared Index Interest < $100,000      
    = $100,000      
    8-Year Initial Guaranteed Period
    MSCI ACWI® Index
    Index-Linked Options Breakpoint1 Credit Enhancement Cap/Rate2 Initial Index Term3 Yield Opportunity4
    1-Year Point-to-Point < $100,000      
    = $100,000      
    2-Year Point-to-Point < $100,000      
    = $100,000      
    Declared Index Interest < $100,000      
    = $100,000      
    8-Year Initial Guaranteed Period
    Interest-Crediting Option Breakpoint Credit Enhancement Rate First Year Effective Yield
    Fixed Account N/A      
    10-Year Initial Guaranteed Period
    S&P 500® Index
    Index-Linked Options Breakpoint Credit Enhancement Cap/Rate1 Initial Index Term2 Yield Opportunity3
    1-Year Point-to-Point < $100,000      
    = $100,000      
    2-Year Point-to-Point < $100,000      
    = $100,000      
    Declared Index Interest < $100,000      
    = $100,000      
    10-Year Initial Guaranteed Period
    MSCI ACWI® Index
    Index-Linked Options Breakpoint Credit Enhancement Cap/Rate1 Initial Index Term2 Yield Opportunity3
    1-Year Point-to-Point < $100,000      
    = $100,000      
    2-Year Point-to-Point < $100,000      
    = $100,000      
    Declared Index Interest < $100,000      
    = $100,000      
    10-Year Initial Guaranteed Period
    Interest-Crediting Option Breakpoint Credit Enhancement Rate First Year Effective Yield
    Fixed Account N/A      
    Guaranteed Minimum Rates/Caps
    Interest-Crediting Option Cap/Rate
    Index-Linked 1-Year Point-to-Point Option  
    2-Year Point-to-Point Option  
    Declared Index Inerest Option  
    Fixed Account    

    Guaranteed Minimum Surrender Value equals 100% of purchase payments, excluding any credit enhancements, accumulated at 1%, compounded annually, minus prior withdrawals and applicable withdrawal charges.

    Additional purchase payments are permitted within the first 60 days of contract issue. Interest will be credited proportionally based on the index return from the time the additional purchase payment is made to the end of the index term. This period may be less than the time frames listed above.

    All initial guaranteed periods may not be available at all firms times, at all broker/dealers, or in all states.

    Caps and rates are guaranteed for the entire initial guaranteed period. For the Fixed Account Option, interest will be credited daily at a rate that compounds over the course of one year to the annualized effective interest rate, assuming no withdrawals. Rates after the guaranteed term may change. No guaranteed rate will be less than the minimum guaranteed rate stated in the contract. Pacific Life determines, at its discretion, interest rates in excess of the stated minimum guarantee in the contract.

    1The breakpoint determines the interest rate credited and is based on the total purchase payment received (minus withdrawals and applicable withdrawal charges) in the first year.

    2A cap applies to the 1-Year Point-to-Point Option and the 2-Year Point-to-Point Option and is the maximum amount of interest that can be earned for the index term if the return is positive and exceeds the cap. The rate is the interest rate that will be earned on the Declared Index Interest Option if the index return is flat or positive.

    3For the 1-Year Point-to-Point Option and the Declared Index Interest Option, the initial index term is one year. For the 2-Year Point-to-Point Option, the initial index term is two years.

    4The yield opportunity assumes the index return was positive and exceeded the cap for the initial index term and includes the credit enhancement.

    For more information, refer to the Contract Summary. Interest rates and caps are based on the length of the initial guaranteed period and the total of all purchase payments received, minus withdrawals taken during the first contract year.

    A credit enhancement is added at the time each purchase payment is applied to the contract. The credit enhancement is not counted as a purchase payment and is treated as earnings for tax purposes when distributed.

    The Product and its MSCI ACWI® Index-Linked Options referred to herein are not sponsored, endorsed, or promoted by MSCI, and MSCI bears no liability with respect to any such Products or any index on which such Products are based. The Policy Contract contains a more detailed description of the limited relationship MSCI has with Pacific Life Insurance Company and any related products.

    The S&P 500 index is a product of S&P Dow Jones Indices LLC ("SPDJI"), and has been licensed for use by Pacific Life Insurance Company. Standard & Poor's®, S&P®, and S&P 500® are registered trademarks of Standard & Poor's Financial Services LLC ("S&P"); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC ("Dow Jones"); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Pacific Life. Pacific Life's product is not sponsored, endorsed, sold, or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product(s), nor do they have any liability for any errors, omissions, or interruptions of the S&P 500 index.

    The indexes are not available for direct investment, and index performance does not include the reinvestment of dividends.

    Pacific Index Choice is named "Individual Limited Premium Deferred Fixed Annuity Contract," or in Oregon, "Modified Single Premium Deferred Fixed Annuity Contract," in the contract.

    Pacific Index Choice is not available in New York.

    Annuity withdrawals and other distributions of taxable amounts, including death benefit payouts, will be subject to ordinary income tax. For nonqualified contracts, an additional 3.8% federal tax may apply on net investment income. If withdrawals and other distributions are taken prior to age 59½, an additional 10% federal tax may apply. A withdrawal charge and a market value adjustment (MVA) also may apply. Withdrawals will reduce the contract value and the value of the death benefits, and may reduce the value of any optional benefits.

  • Pacific Index Dimensions®

    Product features may vary by state. Please select from the following list of states that have approved Pacific Index Dimensions, then select the Withdrawal Charge Period:

    Approved State:

    Withdrawal Charges Period:

    Rates Effective as of:
     
    7-Year Withdrawal Charge Period
    S&P 500® Index-Linked Options
    Interest-Crediting Method Breakpoint1 Cap2 Participation Rate3 Spread4
    1-Year Index Term
    Point-to-Point with Cap < $100,000      
    ≥ $100,000      
    Participation Rate < $100,000      
    ≥ $100,000      
    Enhanced Participation Rate < $100,000      
    ≥ $100,000      
    2-Year Index Term
    Point-to-Point with Cap < $100,000      
    ≥ $100,000      
    Participation Rate < $100,000      
    ≥ $100,000      
    Enhanced Participation Rate < $100,000      
    ≥ $100,000      
    7-Year Withdrawal Charge Period
    MSCI EAFE® Index-Linked Options
    Interest-Crediting Method Breakpoint1 Cap2 Participation Rate3 Spread4
    1-Year Index Term
    Point-to-Point with Cap < $100,000      
    ≥ $100,000      
    Participation Rate < $100,000      
    ≥ $100,000      
    Enhanced Participation Rate < $100,000      
    ≥ $100,000      
    2-Year Index Term
    Point-to-Point with Cap < $100,000      
    ≥ $100,000      
    Participation Rate < $100,000      
    ≥ $100,000      
    Enhanced Participation Rate < $100,000      
    ≥ $100,000      
    7-Year Withdrawal Charge Period
    1-Year Fixed Account Option Breakpoint Interest Rate
    < $100,000  
    ≥ $100,000  
    10-Year Withdrawal Charge Period
    S&P 500® Index-Linked Options
    Interest-Crediting Method Breakpoint1 Cap2 Participation Rate3 Spread4
    1-Year Index Term
    Point-to-Point with Cap < $100,000      
    ≥ $100,000      
    Participation Rate < $100,000      
    ≥ $100,000      
    Enhanced Participation Rate < $100,000      
    ≥ $100,000      
    2-Year Index Term
    Point-to-Point with Cap < $100,000      
    ≥ $100,000      
    Participation Rate < $100,000      
    ≥ $100,000      
    Enhanced Participation Rate < $100,000      
    ≥ $100,000      
    10-Year Withdrawal Charge Period
    MSCI EAFE® Index-Linked Options
    Interest-Crediting Method Breakpoint1 Cap2 Participation Rate3 Spread4
    1-Year Index Term
    Point-to-Point with Cap < $100,000      
    ≥ $100,000      
    Participation Rate < $100,000      
    ≥ $100,000      
    Enhanced Participation Rate < $100,000      
    ≥ $100,000      
    2-Year Index Term
    Point-to-Point with Cap < $100,000      
    ≥ $100,000      
    Participation Rate < $100,000      
    ≥ $100,000      
    Enhanced Participation Rate < $100,000      
    ≥ $100,000      
    10-Year Withdrawal Charge Period
    1-Year Fixed Account Option Breakpoint Interest Rate
    < $100,000  
    ≥ $100,000  
    Guaranteed Minimum/Maximums5
    Interest-Crediting Method Minimum Cap Minimum Participation Rate Maximum Spread Minimum Interest Rate
    1-Year Index-Linked Options
    Point-to-Point with a Cap        
    Participation Rate        
    Enhanced Participation Rate        
    2-Year Index-Linked Options
    Point-to-Point with a Cap        
    Participation Rate        
    Enhanced Participation Rate        
    Fixed Account Options
    1-Year Fixed Account        

    Guaranteed Minimum Surrender Value equals % of purchase payments, accumulated at , compounded annually, minus prior withdrawal.

    Additional purchase payments are permitted within the first 60 days of contract issue. Interest will be credited proportionally based on the index return from the time the additional purchase payment is received to the end of the index term. This period may be less than the time frames listed above.

    All withdrawal charge periods may not be available at all times or in all states.

    1A breakpoint determines the interest rate credited and is based on the total purchase payment received.

    2A cap is the maximum amount of interest that can be applied at the end of an index term.

    3A participation rate is a set percentage that determines how much of the positive index return will be credited at the end of an index term.

    4A spread is a percentage that is deducted after the index return is multiplied by the participation rate.

    5Guaranteed rates, caps, participation rates and spreads will never be set below the minimums or above the maximums stated in the contract. Pacific Life determines, at its discretion, guaranteed rates, caps and participations rates in excess of the minimum guaranteed in the contract, and spreads below the maximum guaranteed in the contract.

    For the Fixed Account Option, interest will be credited daily at a rate that compounds over the course of one year to the annualized effective interest rate, assuming no withdrawals. Rates after the guaranteed term may change each year.

    For the Index-Linked Options, initial caps, participation rates, and spreads are set at contract issue and guaranteed for the length of the initial index term. Renewal caps, participation rates, and spread will be declared for subsequent index terms and may change.

    For more information, refer to the Contract Summary.

    The Product and its MSCI EAFE® Index-Linked Options referred to herein are not sponsored, endorsed, or promoted by MSCI, and MSCI bears no liability with respect to any such Products or any index on which such Products are based. The Policy Contract contains a more detailed description of the limited relationship MSCI has with Pacific Life Insurance Company and any related products.

    The S&P 500 index is a product of S&P Dow Jones Indices LLC ("SPDJI"), and has been licensed for use by Pacific Life Insurance Company. Standard & Poor's®, S&P®, and S&P 500® are registered trademarks of Standard & Poor's Financial Services LLC ("S&P"); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC ("Dow Jones"); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Pacific Life. Pacific Life's product is not sponsored, endorsed, sold, or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product(s), nor do they have any liability for any errors, omissions, or interruptions of the S&P 500 index.

    The indexes are not available for direct investment, and index performance does not include the reinvestment of dividends.

    Pacific Index Dimensions is named “Limited Premium Deferred Fixed Annuity Contract” in the contract. Alternatively, the product is also named “Modified Guaranteed Equity Index Fixed Annuity Contract” in Illinois and “Modified Single Premium Deferred Fixed Annuity Contract” in Oregon and New Jersey.

     

  • Pacific Index Foundation

    Withdrawal Charge Period:

    Rates Effective as of:
     
    5-Year Withdrawal Charge Period
    S&P 500® Index-Linked Options
    Interest-Crediting
    Options
    Breakpoint1 Cap/Rate2
    Point-to-Point
    Option3
    < $100,000  
    ≥ $100,000  
    Performance-
    Triggered Index
    Option3
    < $100,000  
    ≥ $100,000  
    5-Year Withdrawal Charge Period
    MSCI EAFE® Index-Linked Options
    Interest-Crediting
    Options
    Breakpoint1 Cap/Rate2
    Point-to-Point
    Option3
    < $100,000  
    ≥ $100,000  
    Performance-
    Triggered Index
    Option3
    < $100,000  
    ≥ $100,000  

    5-Year Withdrawal Charge Period
    Fixed Account
    Option
    Breakpoint1 Rate
    < $100,000  
    ≥ $100,000  

    7-Year Withdrawal Charge Period
    S&P 500® Index-Linked Options
    Interest-Crediting
    Options
    Breakpoint1 Cap/Rate2
    Point-to-Point
    Option3
    < $100,000  
    ≥ $100,000  
    Performance-
    Triggered Index
    Option3
    < $100,000  
    ≥ $100,000  
    7-Year Withdrawal Charge Period
    MSCI EAFE® Index-Linked Options
    Interest-Crediting
    Options
    Breakpoint1 Cap/Rate2
    Point-to-Point
    Option3
    < $100,000  
    ≥ $100,000  
    Performance-
    Triggered Index
    Option3
    < $100,000  
    ≥ $100,000  

    7-Year Withdrawal Charge Period
    Fixed Account
    Option
    Breakpoint1 Rate
    < $100,000  
    ≥ $100,000  

    10-Year Withdrawal Charge Period5
    S&P 500® Index-Linked Options
    Interest-Crediting
    Options
    Breakpoint1 Cap/Rate2
    Point-to-Point
    Option3
    < $100,000  
    ≥ $100,000  
    Performance-
    Triggered Index
    Option3
    < $100,000  
    ≥ $100,000  
    10-Year Withdrawal Charge Period5
    MSCI EAFE® Index-Linked Options
    Interest-Crediting
    Options
    Breakpoint1 Cap/Rate2
    Point-to-Point
    Option3
    < $100,000  
    ≥ $100,000  
    Performance-
    Triggered Index
    Option3
    < $100,000  
    ≥ $100,000  

    10-Year Withdrawal Charge Period5
    Fixed Account
    Option
    Breakpoint1 Rate
    < $100,000  
    ≥ $100,000  

    Guaranteed Minimum Rates/Caps4
    Interest-Crediting Options Cap/Rate
    Index-Linked
    Options
    Point-to-Point
    Option
     
    Performance-
    Triggered Index
    Option
     
    Fixed Account
    Option
       

     

    Initial caps and rates are set at contract issue and are guaranteed for the length of the initial guaranteed period. The initial guaranteed period corresponds with the length of the withdrawal charge period. Interest rates and caps are based on the length of the withdrawal charge period and the total of all purchase payments received, minus withdrawals taken during the first year. After the initial guaranteed period, rates may change and renewal caps and rates will be declared.

    Additional purchase payments are permitted within the first 60 days of contract issue. Interest will be credited proportionally based on the index return from the time the additional purchase payment is received to the end of the index term. This period may be less than the time frames listed above.

    All withdrawal charge periods may not be available at all times, at all broker/dealers, or in all states.

    For the Fixed Account Option, interest will be credited daily at a rate that compounds over the course of one year to the annualized effective interest rate, assuming no withdrawals.

    1The breakpoint determines the fixed and declared interest rates and the cap and is based on the total purchase payment received (minus withdrawals and applicable withdrawal charges) in the first year.

    2A cap applies to the Point-to-Point Option and is the maximum amount of interest that can be earned for the index term if the return is positive and exceeds the cap. The rate is the interest rate that will be earned on the Performance Triggered Index Option if the index return is flat or positive.

    3For the Point-to-Point Option and the Performance-Triggered Index Option, the index term is one year.

    4Guaranteed rates and caps will never be set below the minimum stated in the contract. Pacific Life determines, at its discretion, guaranteed rates and caps in excess of the stated minimum guarantee in the contract.

    510-Year Withdrawal Charge Period is not available in California.

    For more information, refer to the Contract Summary. The initial interest rates and caps will depend on the initial guaranteed period chosen and the total of all purchase payments received (minus withdrawals and applicable withdrawal charges) in the first year.

    The Product and its MSCI EAFE® Index-Linked Options referred to herein are not sponsored, endorsed, or promoted by MSCI, and MSCI bears no liability with respect to any such Products or any index on which such Products are based. The Policy Contract contains a more detailed description of the limited relationship MSCI has with Pacific Life Insurance Company and any related products.

    The S&P 500 index is a product of S&P Dow Jones Indices LLC ("SPDJI"), and has been licensed for use by Pacific Life Insurance Company. Standard & Poor's®, S&P®, and S&P 500® are registered trademarks of Standard & Poor's Financial Services LLC ("S&P"); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC ("Dow Jones"); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Pacific Life. Pacific Life's product is not sponsored, endorsed, sold, or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product(s), nor do they have any liability for any errors, omissions, or interruptions of the S&P 500 index.

    The indexes are not available for direct investment, and index performance does not include the reinvestment of dividends.

    Pacific Index Foundation is named "Limited Premium Deferred Fixed Annuity Contract with Index-Linked Interest Options" in the contract.

    Pacific Index Foundation is not available in New York.

    Annuity withdrawals and other distributions of taxable amounts, including death benefit payouts, will be subject to ordinary income tax. For nonqualified contracts, an additional 3.8% federal tax may apply on net investment income. If withdrawals and other distributions are taken prior to age 59½, an additional 10% federal tax may apply. A withdrawal charge and a market value adjustment (MVA) also may apply. Withdrawals will reduce the contract value and the value of the death benefits, and may reduce the value of any optional benefits.

     

Deferred Fixed Annuities

Deferred fixed annuities offer principal protection and the opportunity to earn interest that grows tax-deferred while saving for retirement.

  • Pacific Expedition®

    Initial Guaranteed Period

    Rates Effective as of:
     

    All States Except New York

    Rates With RateAdvantage Feature
    5-Year Initial Guaranteed Period
    Purchase Payment $25,000-$99,999 $100,000 and more

    New York Only

    Rates With RateAdvantage Feature
    5-Year Initial Guaranteed Period
    Purchase Payment $25,000-$99,999 $100,000 and more

    All States Except New York

    Rates Without RateAdvantage Feature
    5-Year Initial Guaranteed Period
    Purchase Payment $25,000-$99,999 $100,000 and more

    New York Only

    Rates Without RateAdvantage Feature
    5-Year Initial Guaranteed Period
    Purchase Payment $25,000-$99,999 $100,000 and more

    All States Except New York

    RateAdvantage Maximum Anniversary Rates
    5-Year
    Purchase Payment $25,000-$99,999 $100,000 and more

    New York Only

    RateAdvantage Maximum Anniversary Rates
    5-Year
    Purchase Payment $25,000-$99,999 $100,000 and more

    All States Except New York

    Rates With RateAdvantage Feature
    7-Year Initial Guaranteed Period
    Purchase Payment $25,000-$99,999 $100,000 and more

    New York Only

    Rates With RateAdvantage Feature
    7-Year Initial Guaranteed Period
    Purchase Payment $25,000-$99,999 $100,000 and more

    All States Except New York

    Rates Without RateAdvantage Feature
    7-Year Initial Guaranteed Period
    Purchase Payment $25,000-$99,999 $100,000 and more

    New York Only

    Rates Without RateAdvantage Feature
    7-Year Initial Guaranteed Period
    Purchase Payment $25,000-$99,999 $100,000 and more

    All States Except New York

    RateAdvantage Maximum Anniversary Rates
    7-Year
    Purchase Payment $25,000-$99,999 $100,000 and more

    New York Only

    RateAdvantage Maximum Anniversary Rates
    7-Year
    Purchase Payment $25,000-$99,999 $100,000 and more

    The minimum guaranteed interest rate after the initial guaranteed period is 1.00% per year. The calculation of the first year effective yield is based on the initial guaranteed rate and the applicable credit enhancement earning interest at the initial guaranteed rate in year 1. The initial guaranteed period effective yield includes the applicable credit enhancement and shows the average annualized effective rate for the initial guaranteed period. A credit enhancement is added at the time each purchase payment is applied to the contract. Interest for fixed annuities will be credited daily at a rate that compounds over the course of one year to the annualized effective interest rate, assuming no withdrawals.

    No guaranteed rate will be less than the minimum guaranteed rate stated in the contract. Pacific Life determines, at its discretion, annual interest rates in excess of the stated minimum guarantee in the contract.

    RateAdvantage Feature

    RateAdvantage is an optional feature that provides a one-time opportunity during the initial guaranteed period to increase your initial guaranteed interest rate if newly declared rates are higher.

    • You must elect RateAdvantage at contract issue.
    • Initial guaranteed interest rates will be lower for contracts with the RateAdvantage feature elected.
    • If you elect RateAdvantage, you can exercise the feature if newly declared rates (rates on new contracts for the same guaranteed period with RateAdvantage elected) are higher on a contract anniversary during the initial guaranteed period than the initial guaranteed interest rate set at contract issue.
    • You can exercise the feature once during the initial guaranteed period, and it must be within 60 days of a contract anniversary. The new rate will be effective for the remainder of the period.
    • The amount of the rate increase will be subject to a maximum each year, known as the Maximum Anniversary Rate (MAR), which will increase each contract year. MARs are specified in your contract issue.
    • The rate will automatically increase if newly declared rates are higher and the you have not exercised the feature by the last contract anniversary prior to the end of your initial guaranteed period.

    Maximum Anniversary Rate is named "Maximum Adjusted Guaranteed Rate" in the contract.

    The credit immediately applied to the contract value is a percentage of the purchase payment, and may vary by the initial guaranteed period selected. The credit enhancement is not counted as a purchase payment, will not be returned under the free-lock provision, and is treated as earnings for tax purposes when distributed.

    The cumulative total of all purchase payments received (minus withdrawals and applicable withdrawal charges) will be used to determine the breakpoint.

    For more information, refer to the Contract Summary.

    Annuity withdrawals and other distributions of taxable amounts, including death benefit payouts, will be subject to ordinary income tax. For nonqualified contracts, an additional 3.8% federal tax may apply on net investment income. If withdrawals and other distributions are taken prior to age 59½, an additional 10% federal tax may apply. A withdrawal charge and a market value adjustment (MVA) also may apply. Withdrawals will reduce the contract value and the value of the death benefits, and may reduce the value of any optional benefits.

  • Pacific Frontiers® II
    Rates Effective as of:
     

    All States Except New York

    Term Guaranteed Rate
    The minimum guaranteed interest rate is per year.

    New York Only

    Term Guaranteed Rate
    The minimum guaranteed interest rate is per year.

    Pacific Frontiers II market value adjustment (MVA)—Withdrawal and contract value annuitized before the end of a guaranteed term, in excess of the previous 12 months’ interest, will be subject to an MVA and withdrawal charge, if applicable. The MVA is based on a formula designed to respond to interest-rate movements. As a general rule, if interest rates have stayed the same or risen since the beginning of the existing guaranteed term, the MVA can reduce the amount withdrawn. If interest rates have fallen, the MVA can increase the amount withdrawn, up to a specified maximum. In no event will the MVA cause the withdrawal amount to be less than the initial premium payment accumulated at the guaranteed minimum interest rate stated in the contract, minus prior withdrawals and any applicable withdrawal charges. There is no MVA on withdrawals made at the end of a guaranteed term. Please refer to the contract for further information on the guaranteed term.

    All initial guaranteed periods may not be available at all times, at all broker/dealers, or in all states

    No guaranteed rate will be less than the minimum guaranteed rate stated in the contract. Pacific Life determines, at its discretion, annual interest rates in excess of the stated minimum guarantee in the contract.

    For more information, refer to the Contract Summary.

    Pacific Frontiers II is not available in Montana.

    Annuity withdrawals and other distributions of taxable amounts, including death benefit payouts, will be subject to ordinary income tax. For nonqualified contracts, an additional 3.8% federal tax may apply on net investment income. If withdrawals and other distributions are taken prior to age 59½, an additional 10% federal tax may apply. A withdrawal charge and a market value adjustment (MVA) also may apply. Withdrawals will reduce the contract value and the value of the death benefits, and may reduce the value of any optional benefits.

Immediate Fixed Annuity

An immediate annuity offers guaranteed income for one life, two lives, or for a specified time period. It is purchased with a single lump-sum purchase payment.

  • Pacific Income Provider®

    Client's Age at Contract Issue

    Rates Effective as of:
     
    Age 50 at Contract Issue
    Single Life: Male
    Purchase Payment: $100,000
    Contract Type: Nonqualified
    Monthly Income Payment Annual Payout Rate
    Age 50 at Contract Issue
    Single Life: Female
    Purchase Payment: $100,000
    Contract Type: Nonqualified
    Monthly Income Payment Annual Payout Rate
    Age 50 at Contract Issue
    Joint Life: Male/Female
    Purchase Payment: $100,000
    Contract Type: Nonqualified
    Monthly Income Payment Annual Payout Rate
    Age 55 at Contract Issue
    Single Life: Male
    Purchase Payment: $100,000
    Contract Type: Nonqualified
    Monthly Income Payment Annual Payout Rate
    Age 55 at Contract Issue
    Single Life: Female
    Purchase Payment: $100,000
    Contract Type: Nonqualified
    Monthly Income Payment Annual Payout Rate
    Age 55 at Contract Issue
    Joint Life: Male/Female
    Purchase Payment: $100,000
    Contract Type: Nonqualified
    Monthly Income Payment Annual Payout Rate
    Age 60 at Contract Issue
    Single Life: Male
    Purchase Payment: $100,000
    Contract Type: Nonqualified
    Monthly Income Payment Annual Payout Rate
    Age 60 at Contract Issue
    Single Life: Female
    Purchase Payment: $100,000
    Contract Type: Nonqualified
    Monthly Income Payment Annual Payout Rate
    Age 60 at Contract Issue
    Joint Life: Male/Female
    Purchase Payment: $100,000
    Contract Type: Nonqualified
    Monthly Income Payment Annual Payout Rate
    Age 65 at Contract Issue
    Single Life: Male
    Purchase Payment: $100,000
    Contract Type: Nonqualified
    Monthly Income Payment Annual Payout Rate
    Age 65 at Contract Issue
    Single Life: Female
    Purchase Payment: $100,000
    Contract Type: Nonqualified
    Monthly Income Payment Annual Payout Rate
    Age 65 at Contract Issue
    Joint Life: Male/Female
    Purchase Payment: $100,000
    Contract Type: Nonqualified
    Monthly Income Payment Annual Payout Rate
    Age 70 at Contract Issue
    Single Life: Male
    Purchase Payment: $100,000
    Contract Type: Nonqualified
    Monthly Income Payment Annual Payout Rate
    Age 70 at Contract Issue
    Single Life: Female
    Purchase Payment: $100,000
    Contract Type: Nonqualified
    Monthly Income Payment Annual Payout Rate
    Age 70 at Contract Issue
    Joint Life: Male/Female
    Purchase Payment: $100,000
    Contract Type: Nonqualified
    Monthly Income Payment Annual Payout Rate
    Age 75 at Contract Issue
    Single Life: Male
    Purchase Payment: $100,000
    Contract Type: Nonqualified
    Monthly Income Payment Annual Payout Rate
    Age 75 at Contract Issue
    Single Life: Female
    Purchase Payment: $100,000
    Contract Type: Nonqualified
    Monthly Income Payment Annual Payout Rate
    Age 75 at Contract Issue
    Joint Life: Male/Female
    Purchase Payment: $100,000
    Contract Type: Nonqualified
    Monthly Income Payment Annual Payout Rate
    Period Certain Only
    Purchase Payment: $100,000
    Contract Type: Nonqualified
    Monthly Income Payment Annual Payout Rate

    Monthly income payments and annual payout rates for Joint Life options assume the same issue age for male and female and that benefit reduction was not elected.

    Monthly income payments and annual payout rates are based on a nonqualified Pacific Income Provider Annuity, $100,000 purchase payment, the annuitant's date of birth, and based on purchase rates in effect as of 09/01/2017. Monthly income payments and annual payout rates may differ for other purchase payment amounts or for qualified contracts. Annual payout rates include interest and return of principal. They are not interest rates, and represent the annualized payouts as a percent of total purchase payment. The amounts shown are for illustrative purposes only and are not a guarantee of the amount the contract owner will receive.

    Income options are subject to suitability review and may not be available at all ages.

    Monthly income payments and annual payout rates reflected are before taxes. In the state of MT, and for qualified contracts in NY, income payments do not differentiate between male and female life expectancies. Income payments do not include applicable state premium taxes, which will reduce the monthly income payment.

    Qualified contracts, including traditional IRAs, SEP-IRAs, Roth IRAs, inherited IRAs, and inherited Roth IRAs, are eligible for favorable tax treatment under the Internal Revenue Code (IRC). Certain payout options and certain product features may not comply with various requirements for qualified contracts, which include required minimum distributions and substantially equal periodic payments under IRC Section 72(t). Therefore, certain product features, including the ability to exercise withdrawal features, may not be available or may have additional restrictions. The Income Payment Acceleration feature is available but will be considered a modification to the 72(t) program and may subject the series of 72(t) withdrawals to a 10% additional tax. In addition, certain payout options may not be available for qualified contracts.

    For Roth IRAs, upon the Roth IRA owner's death, distributions to the designated beneficiaries may be subject to IRS required minimum distribution rules. If the designated beneficiary is not the spouse, the beneficiary may be required to take a lump-sum payment of the present value of the guaranteed payments if a death benefit becomes available. For the purpose of qualified distributions from Roth IRA, since the 5-year waiting period is tracked by the Roth IRA holder, the designated beneficiary and/or spouse who elects to treat the Roth IRA as his or her own will also need to take on this responsibility going forward when claiming qualified distributions.

    Income from annuity payments received from Pacific Income Provider cannot be aggregated or combined with income from other IRA contracts/assets for purposes of satisfying IRS required minimum distributions.

    Nonqualified contracts may not be subject to the various requirements for qualified contracts, but are still subject to an additional 10% federal tax for annuity payments, withdrawals, and other distributions prior to age 59½. While there are exceptions to this additional federal tax under IRC Section 72(q), certain payment options may not comply. For nonqualified contracts, an additional 3.8% federal tax may apply on net investment income.

Deferred Income Annuity

A deferred income annuity can lock in predictable future income guaranteed for one life, two lives, or for a specified time period.

  • Pacific Secure Income®

    Client's Age at Contract Issue

    Rates Effective as of:
     
    Age 50 at Contract Issue
    Single Life: Male
    Purchase Payment: $100,000
    Contract Type: Nonqualified
    Monthly Income Payment Annual Payout Rate
    Age 50 at Contract Issue
    Single Life: Female
    Purchase Payment: $100,000
    Contract Type: Nonqualified
    Monthly Income Payment Annual Payout Rate
    Age 50 at Contract Issue
    Joint Life: Male/Female
    Purchase Payment: $100,000
    Contract Type: Nonqualified
    Monthly Income Payment Annual Payout Rate
    Age 55 at Contract Issue
    Single Life: Male
    Purchase Payment: $100,000
    Contract Type: Nonqualified
    Monthly Income Payment Annual Payout Rate
    Age 55 at Contract Issue
    Single Life: Female
    Purchase Payment: $100,000
    Contract Type: Nonqualified
    Monthly Income Payment Annual Payout Rate
    Age 55 at Contract Issue
    Joint Life: Male/Female
    Purchase Payment: $100,000
    Contract Type: Nonqualified
    Monthly Income Payment Annual Payout Rate
    Age 60 at Contract Issue
    Single Life: Male
    Purchase Payment: $100,000
    Contract Type: Nonqualified
    Monthly Income Payment Annual Payout Rate
    Age 60 at Contract Issue
    Single Life: Female
    Purchase Payment: $100,000
    Contract Type: Nonqualified
    Monthly Income Payment Annual Payout Rate
    Age 60 at Contract Issue
    Joint Life: Male/Female
    Purchase Payment: $100,000
    Contract Type: Nonqualified
    Monthly Income Payment Annual Payout Rate
    Age 65 at Contract Issue
    Single Life: Male
    Purchase Payment: $100,000
    Contract Type: Nonqualified
    Monthly Income Payment Annual Payout Rate
    Age 65 at Contract Issue
    Single Life: Female
    Purchase Payment: $100,000
    Contract Type: Nonqualified
    Monthly Income Payment Annual Payout Rate
    Age 65 at Contract Issue
    Joint Life: Male/Female
    Purchase Payment: $100,000
    Contract Type: Nonqualified
    Monthly Income Payment Annual Payout Rate
    Age 70 at Contract Issue
    Single Life: Male
    Purchase Payment: $100,000
    Contract Type: Nonqualified
    Monthly Income Payment Annual Payout Rate
    Age 70 at Contract Issue
    Single Life: Female
    Purchase Payment: $100,000
    Contract Type: Nonqualified
    Monthly Income Payment Annual Payout Rate
    Age 70 at Contract Issue
    Joint Life: Male/Female
    Purchase Payment: $100,000
    Contract Type: Nonqualified
    Monthly Income Payment Annual Payout Rate
    Age 75 at Contract Issue
    Single Life: Male
    Purchase Payment: $100,000
    Contract Type: Nonqualified
    Monthly Income Payment Annual Payout Rate
    Age 75 at Contract Issue
    Single Life: Female
    Purchase Payment: $100,000
    Contract Type: Nonqualified
    Monthly Income Payment Annual Payout Rate
    Age 75 at Contract Issue
    Joint Life: Male/Female
    Purchase Payment: $100,000
    Contract Type: Nonqualified
    Monthly Income Payment Annual Payout Rate
    Period Certain Only
    Purchase Payment: $100,000
    Contract Type: Nonqualified
    Monthly Income Payment Annual Payout Rate

    Monthly income payments and annual payout rates are based on a nonqualified Pacific Secure Income annuity, $100,000 purchase payment, the annuitant's date of birth, and based on purchase rates in effect as of 09/01/2017. Monthly income payments and annual payout rates may differ for other purchase payment amounts or for qualified contracts. Annual payout rates include interest and return of principal. They are not interest rates, and represent the annualized payouts as a percent of total purchase payment. The amounts shown are for illustrative purposes only and are not a guarantee of the amount the contract owner will receive.

    Not all ages or deferral periods shown above are available for qualified contracts. Income options are subject to suitability review and may not be available at all ages.

    Monthly income payments and annual payout rates for Period Certain options are based on a 60-year-old male. Due to the return of premium death benefit during deferral, if the age or gender of the annuitant differs, the monthly income payments and annual payout rates may differ.

    Income payments for life-contingent options are guaranteed at least as long as an annuitant is living, provided an annuitant is alive on the designated Annuity Payment Start Date. Contracts in which a Single Life Only, Joint Life Only, or Joint and Survivor Life Only income option is selected do not provide a death benefit prior to or after the designated Annuity Payment Start Date.

    Monthly income payments and annual payout rates for Joint Life options assume the same issue age for male and female and that benefit reduction was not elected.

    Monthly income payments and annual payout rates reflected are before taxes. In the state of MT, income payments do not differentiate between male and female life expectancies. Income payments do not include applicable state premium taxes, which will reduce the monthly income payment.

    Income from annuity payments received from Pacific Secure Income cannot be aggregated or combined with income from other IRA contracts/assets for purposes of satisfying IRS required minimum distributions.

    For Roth IRAs, upon the Roth IRA owner's death, distributions to the designated beneficiaries may be subject to the required minimum distribution rules. If the designated beneficiary is not the spouse, the beneficiary may be required to take a lump sum payment of the present value of the guaranteed payments if a death benefit becomes available. For the purpose of qualified distributions from Roth IRA, since the 5-year waiting period is tracked by the Roth IRA holder, the designated beneficiary and/or spouse who elects to treat the Roth IRA as his or her own will also need to take on this responsibility going forward when claiming qualified distributions.

    Nonqualified contracts may not be subject to the various requirements for qualified contracts, but are still subject to an additional 10% federal tax for annuity payments, withdrawals, and other distributions prior to age 59½. While there are exceptions to this additional federal tax under Section IRC 72(q), certain payment options may not comply. The Income Payment Acceleration feature may be considered a modification to the 72(q) program and may subject the series of 72(q) withdrawals, including any prior withdrawals, to a 10% additional tax. For nonqualified contracts, an additional 3.8% federal tax may apply on net investment income.

Pacific Life, its affiliates, their distributors, and respective representatives do not provide tax, accounting, or legal advice. Any taxpayer should seek advice based on the taxpayer’s particular circumstances from an independent tax advisor or attorney.

Pacific Life is a product provider. It is not a fiduciary and therefore does not give advice or make recommendations regarding insurance or investment products.

Fixed annuities are long-term contracts designed for retirement. Guarantees, including interest rates and income payments, are backed by the claims-paying ability and financial strength of the issuing company. Not all products are available in all states or at all firms. Contact your financial professional for product availability.

Under current law, a nonqualified annuity that is owned by an individual is generally entitled to tax deferral. IRAs and qualified plans—such as 401(k)s and 403(b)s—are already tax deferred. Therefore, a deferred annuity should be used only to fund an IRA or qualified plan to benefit from the annuity’s features other than tax deferral. These include lifetime income and death benefit options.

Pacific Life refers to Pacific Life Insurance Company and its affiliates, including Pacific Life & Annuity Company. Insurance products are issued by Pacific Life Insurance Company in all states except New York and in New York by Pacific Life & Annuity Company. Product availability and features may vary by state. Each insurance company is solely responsible for the financial obligations accruing under the products it issues. Insurance product and rider guarantees, including optional benefits and any fixed crediting rates or annuity payout rates, are backed by the financial strength and claims paying ability of the issuing insurance company. They are not backed by the independent third party from which this annuity is purchased, including the broker/dealer, by the insurance agency from which this annuity is purchased, or any affiliates of those entities, and none makes any representations or guarantees regarding the claims-paying ability of the issuing insurance company.

Fixed annuities issued by Pacific Life (Newport Beach, CA) are available through licensed, independent third parties.

Contract Form Series: 30-1209, ICC11:30-1209, 30-1209OR, 30-1401, ICC15:30-1401, 30-1229, 30-1229-R, ICC:12:30-1229, ICC12:30-1229-R, 30-2229-13, 30-2229-R-13, 30-1173, ICC09:30-1173, 30-1173OR, 30-2173-13, 30-1181, ICC10:30-1181, 30-1181OR, 30-2181-13, 30-1294, 30-2294, IC14:30-1308, 30-1305NJ, 30-2305, 30-1800, ICC17:30-1800
Rider Series: 20-1404, ICC15:20-1404, 20-1405, ICC15:20-1405, 20-1406, ICC15:20-1406, 20-1704, ICC17:20-1704, 20-1707, ICC17:20-1707
Endorsement series: 15-1403, ICC16:15-1403

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