Annuity carrier
Pacific Life
AM Best A+ · 3 MYGA · 7 FIA in dated feed
Comparable MYGA rate · 5-year guaranteed rate
5.1%
CANNEX via AdvisorWorld · rates as of July 21, 2026
Dated carrier comparison
Pacific Life vs Prudential Financial
Carrier-level comparison using dated AM Best ratings, dated MYGA rates, product-lineup depth, and sourced disclosures.
CANNEX-backed data via AdvisorWorld. Each available figure below carries its true source date.
Dated last-known-good data · rates as of July 21, 2026.
View carrier profile
VS
Annuity carrier
Prudential Financial
AM Best A+ · 2 MYGA · 6 FIA in dated feed
Comparable MYGA rate · 5-year guaranteed rate
5.2%
CANNEX via AdvisorWorld · rates as of July 21, 2026
Auto-verdict
Pacific Life leads on 3-year MYGA rate, MYGA lineup in the dated feed; Prudential Financial leads on 5-year MYGA rate, 7-year MYGA rate; carrier strength is tied. This compares the displayed dated metrics only and is not a personalized recommendation.
- On 3-year MYGA rate, Pacific Life has the higher figure (5.1% · 3-year guaranteed rate · Pacific Harbor vs 4.7% · 3-year guaranteed rate · Prudential Wealthguard); Prudential Financial is lower.
- On MYGA lineup in the dated feed, Pacific Life has the higher figure (3 MYGA products in dated feed vs 2 MYGA products in dated feed); Prudential Financial is lower.
- On 5-year MYGA rate, Prudential Financial has the higher figure (5.2% · 5-year guaranteed rate · Prudential Wealthguard vs 5.1% · 5-year guaranteed rate · Pacific Harbor); Pacific Life is lower.
- On 7-year MYGA rate, Prudential Financial has the higher figure (5.25% · 7-year guaranteed rate · Prudential Wealthguard vs 5.1% · 7-year guaranteed rate · Expedition 2 With MVA); Pacific Life is lower.
- On carrier strength, Pacific Life and Prudential Financial are effectively tied.
Auto-generated from the displayed dated data only, not a recommendation.
Dated side by side
Compare on the numbers
Only metrics for product types both carriers sell are shown. Missing applicable values show unavailable.
| Metric | Pacific Life | Prudential Financial |
|---|---|---|
| AM Best ratingCarrier financial strength from the dated rate feed; higher rating rank is highlighted. | A+ AM BestTie CANNEX via AdvisorWorld · rates as of July 21, 2026 | A+ AM BestTie CANNEX via AdvisorWorld · rates as of July 21, 2026 |
| Best 5-year MYGA rateHighest dated 5-year guaranteed rate for each carrier at the same guarantee period. | 5.1% · 5-year guaranteed rate · Pacific Harbor CANNEX via AdvisorWorld · rates as of July 21, 2026 | 5.2% · 5-year guaranteed rate · Prudential WealthguardLeading CANNEX via AdvisorWorld · rates as of July 21, 2026 |
| Best 3-year MYGA rateHighest dated 3-year guaranteed rate for each carrier at the same guarantee period. | 5.1% · 3-year guaranteed rate · Pacific HarborLeading CANNEX via AdvisorWorld · rates as of July 21, 2026 | 4.7% · 3-year guaranteed rate · Prudential Wealthguard CANNEX via AdvisorWorld · rates as of July 21, 2026 |
| Best 7-year MYGA rateHighest dated 7-year guaranteed rate for each carrier at the same guarantee period. | 5.1% · 7-year guaranteed rate · Expedition 2 With MVA CANNEX via AdvisorWorld · rates as of July 21, 2026 | 5.25% · 7-year guaranteed rate · Prudential WealthguardLeading CANNEX via AdvisorWorld · rates as of July 21, 2026 |
| MYGA products in dated feedDistinct MYGA products in the dated rate feed; the full shelf may be larger. | 3 MYGA products in dated feedLeading CANNEX via AdvisorWorld · rates as of July 21, 2026 | 2 MYGA products in dated feed CANNEX via AdvisorWorld · rates as of July 21, 2026 |
Dated lineups
Top products from each carrier
Pacific Life
Top MYGA products in dated feed
Top FIA products in dated feed
Rates: CANNEX via AdvisorWorld · rates as of July 21, 2026
Prudential Financial
Top MYGA products in dated feed
Top FIA products in dated feed
Rates: CANNEX via AdvisorWorld · rates as of July 21, 2026
Product-level matchups
Compare their products head to head
Common questions
Decision FAQs from the same numbers
Is Pacific Life or Prudential Financial rated higher by AM Best?
On carrier strength, Pacific Life and Prudential Financial are effectively tied. AM Best measures the insurer's claims-paying ability, not product value, so consider it with the rates above.
Does Pacific Life or Prudential Financial have higher MYGA rates right now?
On 5-year MYGA rate, Prudential Financial has the higher figure (5.2% · 5-year guaranteed rate · Prudential Wealthguard vs 5.1% · 5-year guaranteed rate · Pacific Harbor); Pacific Life is lower. On 3-year MYGA rate, Pacific Life has the higher figure (5.1% · 3-year guaranteed rate · Pacific Harbor vs 4.7% · 3-year guaranteed rate · Prudential Wealthguard); Prudential Financial is lower. On 7-year MYGA rate, Prudential Financial has the higher figure (5.25% · 7-year guaranteed rate · Prudential Wealthguard vs 5.1% · 7-year guaranteed rate · Expedition 2 With MVA); Pacific Life is lower. Rates vary by state, premium band, and term, so confirm on each product page.
Who offers more annuity products, Pacific Life or Prudential Financial?
On MYGA lineup in the dated feed, Pacific Life has the higher figure (3 MYGA products in dated feed vs 2 MYGA products in dated feed); Prudential Financial is lower. These counts cover products in the dated rate feed, not every contract the carrier has ever issued.
How to read this comparison
Compare the carrier, then the contract.
A carrier comparison narrows the field; the product pages carry the surrender schedules, state availability, and rider mechanics that decide the actual fit.
Financial strength
Annuity guarantees are only as strong as the insurer behind them, so AM Best ratings appear beside the rates.
Rate context
MYGA winners use the same guarantee term on both sides. First-year or step rates can still be inspected by product, but never decide a cross-term carrier verdict.
Lineup depth
Product counts reflect the dated rate feed, a proxy for shelf breadth rather than a complete catalog.
Keep comparing
Related carrier comparisons
Disclosures and sources
Carrier and product figures are sourced from CANNEX via AdvisorWorld and labeled with their true source date. Comparisons are shown only for product types both carriers sell in the dated data; missing applicable values show unavailable.
The verdict is auto-generated from the displayed dated metrics only and is not a recommendation. MYGA rate winners compare the same guarantee period on both sides; a higher first-year or step rate is not ranked against a longer guarantee term. Product counts describe the dated feed, not every contract each carrier issues.
Rates vary by state, premium band, guarantee term, and issue age. Caps and participation rates can change. Annuity guarantees are backed by the issuing carrier's claims-paying ability and are not FDIC-insured. Educational only.
Use the carrier comparison as a starting point.
Then open each carrier profile for ratings history and the available lineup, or go back to the market-wide rate tables.