Fixed index annuity review and rates

Pacific Advisory Fixed Indexed Annuity

Pacific Advisory Fixed Indexed Annuity is designed to be a strategic part of your overall financial plan that can help grow retirement savings, while ensuring against the loss of your principal. It also can be used to create a steady flow of income or secure your financial legacy for loved ones or a charitable organization. 
Available in states: AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY

Allocation Accounts

Name Type Rates
1-Year Fixed Account
Fixed
4.25% Fixed
1-Year S&P 500 PTP Cap
Point to Point
Annual
9.5% Cap
1-Year MSCI EAFE PTP Cap
Point to Point
Annual
9.5% Cap
1-Year S&P 500 Performance Triggered
Performance Triggered
Annual
8% Performance triggered
1-Year MSCI EAFE Performance Triggered
Performance Triggered
Annual
8% Performance triggered
1-Year Fixed Account
Fixed
4.5% Fixed
1-Year S&P 500 PTP Cap
Point to Point
Annual
10% Cap
1-Year MSCI EAFE PTP Cap
Point to Point
Annual
10% Cap
1-Year S&P 500 Performance Triggered
Performance Triggered
Annual
8.5% Performance triggered
1-Year MSCI EAFE Performance Triggered
Performance Triggered
Annual
8.5% Performance triggered

Surrender schedule

Year
Penalty
Pacific Life Insurance Company
Founded: 1868
A.M. Best: A+
Fitch: AA-
S&P: A+
Moody's: Aa3
Carrier details
Free withdrawal
10%
Surrender schedule
0 years
Return of premium
Market value adjustment
Minimum contribution
$25,000
Types of funds
Non-Qualified, IRA, IRA Rollover, IRA Transfer, SEP IRA, IRA-Roth, 1035 Exchange, NQ Stretch, and TSP