Life Insurance Indexed Account Rates

View participation rates for:

Pacific Horizon ECV IUL

Declared Participation Rates

The 1-Year No Cap Dynamic Par Indexed Account uses the S&P 500® index as its underlying index with a participation rate declared as frequently as monthly (guaranteed 5%) to enable the possibility for indexed interest credits not subject to a growth cap. This account has a guaranteed minimum interest rate (floor) of 0% to limit index-based losses. The chart below reflects rates declared by Pacific Life for the past 13 months.



To see the indexed account’s hypothetical historical values over a specific time period, use our IUL Historical Rate Calculator. This calculator is an educational tool that can be used to help better understand the mechanics of indexed accounts.

DateDeclared Participation Rate
04/03/202560%
03/06/202560%
02/05/202565%
01/07/202565%
12/05/202465%
11/06/202465%

Pacific Horizon ECV IUL form series P21IUL, S22ECV, varies based on state of policy issue.

Indexed universal life insurance does not directly participate in any stock or equity investments. 

Life insurance is subject to underwriting and approval of the application and will incur monthly policy charges.

The "S&P 500 Index" is a product of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”) and has been licensed for use by Pacific Life Insurance Company.  S&P®, S&P 500®, US 500, The 500, iBoxx®, iTraxx® and CDX® are trademarks of S&P Global, Inc. or its affiliates (“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 Insurance Company.  Pacific Life Insurance Company's Product(s) is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, or 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.

This website is intended for financial professional use only. If you are not a Financial Professional, please visit our public website www.PacificLife.com.

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.

Pacific Life Insurance Company is licensed to issue insurance products in all states except New York. Product/material availability and features may vary by state.

The home office for Pacific Life Insurance Company is located in Omaha, Nebraska.

Investment and Insurance Products: Not a Deposit • Not Insured by any Federal Government Agency • Not FDIC Insured • No Bank Guarantee • May Lose Value


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IUQ3937-1124 11/24

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