Impersonation Mode

Pacific Life offers the Index-Linked Annuity Payment Adjustment Rider. By adding this optional rider to your structured settlement:

  • Payments can increase based on positive S&P 500® index returns.
  • No decrease in payments if the S&P 500 index declines or remains flat.

The Index-Linked Annuity Payment Adjustment Rider is not a security and does not participate directly in the stock market or any index, so it is not an investment. It is an insurance product designed to help you prepare for your future.

Selecting the Index-Linked Annuity Payment Adjustment Rider may result in a varying benefit amount based on the annuity type and period selected.

How the Index-Linked Annuity Payment Adjustment Rider Works


If the S&P 500 index rises
When the S&P 500 index rises over a period of 12 months (referred to as “Index Measurement Periods”), your payments will also rise, subject to an annual maximum of 5%1.
If the S&P 500 index decreases or there is no change
When the S&P 500 index has a negative or zero return, there is no reduction to the payment amount.

As part of your strategy, you may want to give your structured settlement payments an opportunity to increase over time, like an occasional pay raise. It can help you manage expenses, or it may simply provide a bit more freedom to do things you enjoy.

Growth and Protection

You can earn additional payment amounts based on any positive movement of the S&P 500 index. Click on the following table that helps to demonstrate how the rider works.


  • The four-year returns for the S&P 500 index are for hypothetical purposes only.
  • The rider was added when the annuity was purchased.
  • Initial structured settlement annuity payment amount is $1,500 for the first year.
  • The annual maximum annuity payment adjustment is 5%.


Average Declared Rate for Years Shown at Month Anniversary


Life is About Moving Forward

A structured settlement can help you move forward with confidence, knowing you have guaranteed payments that address some of your most important needs and goals – both now and in the future. With the help of your structured settlements consultant, follow these simple steps to get started:

  1. Determine the time horizon for which you need income, your financial situation and needs.
  2. Decide if the Index-Linked Annuity Payment Adjustment Rider is appropriate for you.
  3. Complete the agreement for the structured settlement.

For More Information


The potential for payment increases of the Indexed-Linked Annuity Payment Adjustment rider is explained in this video. It emphasizes how the increase can help offset the effects of inflation.


For more information, contact your Structured Settlement Consultant.
Or, call us toll-free at (877) 784-0622, option 1.

1The 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. 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 products are 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 index is not available for direct investment, and index performance does not include reinvestment of dividends. 

This material is not intended to be used, nor can it be used by any taxpayer, for the purpose of avoiding U.S. federal, state, or local tax penalties. This material is written to support the promotion or marketing of the transaction(s) or matter(s) addressed by this material. Pacific Life, its 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.

Insurance products are issued by Pacific Life Insurance Company in all states except New York and in New York by Pacific Life & Annuity Company.

Pacific Life refers to Pacific Life Insurance Company and its affiliates, including Pacific Life & Annuity Company (Newport Beach, CA). Pacific Life & Annuity Company will issue annuity policies if ANY of the following occurs inside the state of New York: solicitation, sales, negotiation of settlement, court/legal action, or claimant/payee residence. 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 company is solely responsible for the financial obligations accruing under the products it issues. Insurance products are backed by the financial strength and claims-paying ability of the issuing company.

This material may be used only in connection with the solicitation of Pacific Life Insurance Company products in those states where the product solicited has been approved. Product features and availability may vary by state.