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Withdrawals exceeding the 10% annual penalty-free withdrawal limit, or a full surrender during the guarantee period, are subject to surrender charges. Charges decline each year, and there are no surrender charges during the 30-day window following the end of a guarantee period. If the annuity renews for a new guarantee period, the surrender charge schedule resets and starts over.

None. There are no annual maintenance or administrative fees. The only charges that apply are surrender charges for early withdrawals exceeding the penalty-free limit.

If the owner dies before annuitization, beneficiaries receive the full account value without incurring surrender charges. If the sole beneficiary is the surviving spouse of the owner, the spouse may elect to continue the policy as the new owner.

After the free look period, owners may withdraw up to 10% of account value each year without a surrender charge, subject to a $500 per-withdrawal minimum. Penalty-free withdrawals are available any time after the free look period. Systematic withdrawals are permitted (fixed amount monthly, quarterly, or annually, or interest-only payments), subject to a $100 minimum; withdrawals above the penalty-free limit incur surrender charges. Required Minimum Distributions (RMDs) are never subject to surrender charges, but do count toward the 10% penalty-free withdrawal limit.

 funds. The Diamond Head MYGA is available for Non-Qualified, Traditional IRA, Roth IRA and SEP-IRA plans.

Diamond Head MYGA is a Single Premium Deferred Annuity (SPDA) that credits a fixed interest rate for the entire duration of the selected guarantee period. The owner makes a one-time premium payment and selects a 3- through 10-year term, during which interest grows tax-deferred at the guaranteed credited rate (stated as an annual effective rate and compounded daily). The contract includes a 30-day free look period, after which owners may take annual penalty-free withdrawals up to 10% of account value; withdrawals above the free-withdrawal limit are subject to surrender charges. At the end of each guarantee period, there is a 30-day window with no surrender charges, and a new interest rate is declared for renewal based on then-current rates.

At the end of the guarantee period, a new interest rate will be declared based on then-current interest rates. There are no surrender charges during the 30-day window following a guarantee period; if the annuity renews for a new guarantee period, the surrender charge schedule resets and starts over.

Equal to the accumulation value minus applicable surrender charges. Full value available penalty-free after the end of the guarantee term.

Pacific Guardian Life Diamond Head MYGA 

is a single-premium Multi-Year Guaranteed Annuity (MYGA)offering fixed, tax-deferred accumulation and complete principal protection over guarantee periods of 3 to 10 years. Issued by Pacific Guardian Life Insurance Company, this annuity provides secure growth with predictable returns and penalty-free access of up to 10% of account value each year.

At the end of the term, policyholders may renew, withdraw, or annuitize without penalty, making it an ideal option for those seeking stability, flexibility, and guaranteed interest rates.

Pacific Guardian – Diamond Head