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. Only one period may be selected per contract.

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.

Guaranteed Minimum Surrender Value
Even if your selected index or indexes have negative returns and your contract value earns no interest, you are still guaranteed growth in certain situations with the Guaranteed Minimum Surrender Value (GMSV). If you make a full withdrawal (surrender) of your contract value, or upon death or annuitization, you will receive at least 91% of your total purchase payments, minus withdrawals and applicable withdrawal charges, accumulated at annually. The Guaranteed Minimum Surrender Value applies for the life of the contract.

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.

For more information, refer to the Contract Summary. A fixed indexed annuity is not a security and does not participate directly in the stock market or any index, so it is not an investment.

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.