IE
● Active
Interest Enhanced Death Benefit
Pacific Life Insurance Company
DTCC ID
—
COMPANY
Pacific Life Insurance Company
TYPE
Indexed Annuity
INCEPTION
Sep 16, 2025
Identity
Benefit name
Interest Enhanced Death Benefit
Internal benefit name
Interest Enhanced Death Benefit
Company
Product policy type
Indexed Annuity
Status
● Active
Sequence
2
Inception date
Sep 16, 2025
Closed date
—
DTCC Rider ID
—
Last modified
Feb 17, 2026
Life & Age
Based on life
Owner and Annuitant
Single life
No
Joint life
No
Min age
—
Max age
—
Rider select rule
Optional
Waiting period
—
Waiting term
—
Benefit Base
Maximum benefit base
—
Maximum benefit base %
—
With reduce benefit base
—
Subsequent premium
—
Partial withdrawals
—
Required min distributions
—
Coverage Flags
Exclude premium bonus
No
Spousal continuation option
Yes
Spousal continuation detail
Surviving spouse may elect to continue the benefit.
State Availability
Exception flag
Yes
Available in states
—
Not available in states
CA
Benefit Description
The Interest Enhanced Death Benefit is an optional benefit that increases the death benefit annually by the interest credited to the contract, plus an additional 2%, for up to 20 years, until the contract anniversary following the owner's 85th birthday, or until the roll-up reaches 250% of total purchase payments, adjusted for withdrawals—whichever occurs first. Upon the owner's death, the beneficiary will receive the greater of the enhanced benefit or the standard death benefit. Availability and terms may vary by state and firm.
Lifecycle Events
Termination
Benefit will automatically terminate upon earliest of - 1)The death benefit becomes payable to your beneficiaries, 2) termination of contract, 3) surrender, 4) You convert your contract to annuity income payments.
Available when added
Available at contract issue.