Pacific Harbor
Pacific Life
4.9%
5-yr guarantee
10%
Free W/D
50
Jurisdictions
Live product data
Rates as of May 29, 2026, based on the latest AdvisorWorld scan of CANNEX data.
5-year guaranteed rate
4.9% guaranteed for 5 years
Pacific Harbor is a sub-jumbo (below $200,000) MYGA from A+-rated Pacific Life with two published guarantee-period choices (three and five years), a published per-year free-withdrawal allowance, and a market-value adjustment on early exits.
Best fit
Safety-first buyers funding below roughly $200,000 (the cutoff above which the Expedition lineup's jumbo filings take over) who want a known, contractually guaranteed annual rate from an A+-rated national carrier across a choice of three- or five-year guarantee periods, are comfortable with a market-value adjustment on early exits, and value a published per-year free-withdrawal allowance as built-in liquidity.
AM Best
A+ Superior
Free withdrawal
10%/yr
Product analyst notes
How to think about this contract
Why it can stand out
- Sub-jumbo premium band — the published rate sheet covers premiums from zero up to roughly $200,000, so this filing serves buyers funding amounts that the Expedition lineup's $100,000-minimum filings do not address symmetrically.
- Two published guarantee-period choices — three and five years — give a buyer a choice of rate-lock windows inside the same filing.
- A.M. Best A+ rated carrier financial-strength on a national-footprint life insurer, so the strength view backing the principal lockup does not rest on a single niche-market carrier.
- A published per-year free-withdrawal allowance gives the buyer named penalty-free liquidity inside what is otherwise a fully-committed term, so the lockup is not absolute.
What to confirm
- The contract carries a market-value adjustment (hasMva=true on the live feed). Exiting principal early at an interest-rate disadvantage can produce a reduced surrender value on top of the surrender charge — confirm how the MVA is calculated against your liquidity plan before committing premium.
- There is no GLWB income rider and no Protected Income Value chassis — this is a fixed-rate MYGA, not a rider-led income product. Buyers who specifically need a contractually published lifetime withdrawal rate should look at a rider-led FIA or a SPIA, not this MYGA.
- The published premium band tops out at roughly $200,000 — buyers funding above that level should look at Pacific Expedition II or Pacific Expedition 2 with MVA in the same family, which target the jumbo premium tier with a different rate sheet.
- The published surrender-schedule structure on this filing is unusual (the live feed shows a single-row schedule with a zero charge), which is the CANNEX shape for a filing whose state-by-state surrender ladders vary — confirm the actual surrender terms in your state with the carrier before treating the schedule as zero-charge.
Not ideal for
Buyers who need a guaranteed-lifetime-withdrawal income rider (this is a fixed-rate MYGA), are funding above the published sub-jumbo premium band (look at Pacific Expedition II or Pacific Expedition 2 with MVA instead), want a guarantee period longer than five years, do not want a market-value adjustment on early exits, or expect a premium bonus, return-of-premium feature, or rollup-enhanced death benefit.
Guaranteed Rates by Term
| Term | Guaranteed Rate |
|---|---|
| 3-Year | 4.7% |
| 5-Year | 4.9% |
Key Features
Free withdrawal
10%/yrAnnual amount that may be available without surrender charges, subject to contract terms.
Surrender waivers
3Nursing home waiver, RMD waiver, Terminal illness waiver
Death benefit
Standard Death BenefitBeneficiary value depends on contract terms, withdrawals, and rider elections.
Annuitization options
Single and jointContract conversion options should be confirmed before purchase.
Fund types
Non-qualified, QualifiedAvailability can vary by state and product terms.
Surrender Schedule
Yr 0
0%
After
0%
Nursing home waiver, RMD waiver, Terminal illness waiver, Surrender waivers
Carrier Ratings
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