On liquidity, American Pathway Fixed 7 Annuity has the higher figure (15%/yr free withdrawal vs 10%/yr free withdrawal); Pacific Harbor is lower.
On guaranteed fixed rate, Pacific Harbor has the higher figure (5.5% 5-year guaranteed rate vs 5.1% 7-year guaranteed rate); American Pathway Fixed 7 Annuity is lower.
On carrier strength, Pacific Harbor has the higher figure (A+ AM Best vs A AM Best); American Pathway Fixed 7 Annuity is lower.
On annual fee, both show No annual fee listed.
On income rider availability, both show No income rider listed.

Auto-generated from the displayed data, accumulation metrics only, not a recommendation.

side by side

Compare on the numbers

Only metrics that apply to this product type are shown. Missing applicable values show unavailable.

Metric	American Pathway Fixed 7 Annuity	Pacific Harbor
Guaranteed fixed rateDisplayed MYGA guaranteed rate and term.	5.1% 7-year guaranteed rate CANNEX via AdvisorWorld · rates as of August 18, 2026	5.5% 5-year guaranteed rateLeading CANNEX via AdvisorWorld · rates as of August 18, 2026
AM Best ratingCarrier financial strength from the product/rating feed when available.	A AM Best CANNEX via AdvisorWorld · rates as of August 18, 2026	A+ AM BestLeading CANNEX via AdvisorWorld · rates as of August 18, 2026
Free withdrawalAvailable annual free-withdrawal percentage for the product.	15%/yr free withdrawalLeading CANNEX via AdvisorWorld · rates as of August 18, 2026	10%/yr free withdrawal CANNEX via AdvisorWorld · rates as of August 18, 2026
Surrender periodShorter surrender period is highlighted as more flexible.	7 years surrender period CANNEX via AdvisorWorld · rates as of August 18, 2026	unavailable CANNEX via AdvisorWorld · rates as of August 18, 2026
Annual feeHighest listed annual rider or strategy fee; lower is highlighted.	No annual fee listedTie CANNEX via AdvisorWorld · rates as of August 18, 2026	No annual fee listedTie CANNEX via AdvisorWorld · rates as of August 18, 2026
Income riderAvailability only; rider fit depends on payout, cost, and goals.	No income rider listedTie CANNEX via AdvisorWorld · rates as of August 18, 2026	No income rider listedTie CANNEX via AdvisorWorld · rates as of August 18, 2026
Minimum premiumLower minimum premium is highlighted as easier to access.	$25,000 minimum premiumTie CANNEX via AdvisorWorld · rates as of August 18, 2026	$25,000 minimum premiumTie CANNEX via AdvisorWorld · rates as of August 18, 2026

Scenario tool

Which one shows more guaranteed growth?

Guaranteed-growth comparison

Applies each product's live guaranteed MYGA rate to the displayed term.

Illustrative, not a projection

Premium

American Pathway Fixed 7 Annuity

5.8% guaranteed · 3-year term

Pacific Harbor

5.5% guaranteed · 3-year term

On $100,000, the illustrated value at the displayed guaranteed term is:

American Pathway Fixed 7 Annuity$118,429

Pacific Harbor$117,424

American Pathway Fixed 7 Annuity has the higher illustrated guaranteed value ($118,429 vs $117,424).

Illustrated interest: American Pathway Fixed 7 Annuity $18,429; Pacific Harbor $17,424.

Assumptions: annual compounding at the current guaranteed rate for the displayed term. State, premium band, issue age, withdrawal activity, renewal rules, and contract terms can change what is available.

Illustrative tool inputs use product figures from CANNEX via AdvisorWorld · rates as of August 18, 2026.

Common questions

Decision FAQs from the same numbers

Is American Pathway Fixed 7 Annuity or Pacific Harbor better for growth?

On guaranteed fixed rate, Pacific Harbor has the higher figure (5.5% 5-year guaranteed rate vs 5.1% 7-year guaranteed rate); American Pathway Fixed 7 Annuity is lower.

Is American Pathway Fixed 7 Annuity or Pacific Harbor better for income?

On income rider availability, both show No income rider listed. Rider availability is only one income input; payout rates, rider fees, start age, and state availability still need review.

Is American Pathway Fixed 7 Annuity or Pacific Harbor better for liquidity?

On liquidity, American Pathway Fixed 7 Annuity has the higher figure (15%/yr free withdrawal vs 10%/yr free withdrawal); Pacific Harbor is lower. On annual fee, both show No annual fee listed. On minimum premium, both show $25,000 minimum premium.

How to read this comparison

Compare the product job, not just one number.

Rates matter, but surrender terms, liquidity, rider mechanics, state availability, and carrier strength decide whether a product actually fits.

Rate context

Guaranteed rate and term are the first screen, but premium bands and surrender design still matter.

Control

Free-withdrawal and surrender terms are visible because liquidity can be worth as much as a small rate difference.

Carrier backing

Guarantees are backed by the issuing insurer, so carrier ratings and product availability belong next to the rate table.

Disclosures and sources

Displayed product figures are sourced from CANNEX via AdvisorWorld and are labeled with their true source date. Product-specific values are shown only when they apply; missing applicable values show unavailable.

The verdict is auto-generated from the available accumulation metrics only and is not a recommendation. The crediting and guaranteed-growth tools are illustrative, use the stated assumptions, and are not projections, quotes, or carrier-approved illustrations.

MYGA rates vary by state, premium band, guarantee term, and issue age. Annuity guarantees are backed by the issuing carrier's claims-paying ability and are not FDIC-insured. Educational only.

Use the comparison as a starting point.

Then go back to the main rate pages to see the broader market, or run the whole-income comparison when income guarantees are the question.

All MYGA rates Income comparison

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