What is the minimum guaranteed surrender value for Pacific Guardian – Diamond Head (3-, 4-, 5-, 6-, 7-, 8-, 9-, and 10-year terms)?

The Diamond Head MYGA is a single-premium deferred annuity available for both qualified (IRAs, Roth IRAs, SEPs) and non-qualified funds. The credited interest rate remains fixed for the entire selected term, and the account value grows tax-deferred. It offers flexibility through annual free withdrawals, multiple term options, and guaranteed minimum interest protection. At maturity, owners can fully access their funds with no surrender charges.

What is the minimum premium amount for Pacific Guardian – Diamond Head (3-, 4-, 5-, 6-, 7-, 8-, 9-, and 10-year terms)?

The minimum premium amount is $10,000.

What is the maximum issue age for Pacific Guardian – Diamond Head (3-, 4-, 5-, 6-, 7-, 8-, 9-, and 10-year terms)?

The maximum issue age is 85 years.

What is the current interest rate for Pacific Guardian – Diamond Head (3-, 4-, 5-, 6-, 7-, 8-, 9-, and 10-year terms)?

The current interest rate is 4.8%.

What is the surrender charge schedule for Pacific Guardian – Diamond Head (3-, 4-, 5-, 6-, 7-, 8-, 9-, and 10-year terms)?

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.

What are the best rates available for Pacific Guardian – Diamond Head (3-, 4-, 5-, 6-, 7-, 8-, 9-, and 10-year terms)?

The best available rate is 5.00% for a 10 year term.

Pacific Guardian Life Insurance Company

Pacific Guardian – Diamond Head (3-, 4-, 5-, 6-, 7-, 8-, 9-, and 10-year terms)

About this product

The 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.

Available Rates

Rates are based on current simulation settings with premium amount $100,000.00

3 Years	4.80%
4 Years	4.80%
5 Years	5.00%
6 Years	5.00%
7 Years	5.00%
8 Years	5.00%
9 Years	5.00%
10 Years	5.00%

Available Guarantee Periods

Rates are based on current simulation settings with premium amount $100,000.00

$10,000.00 - $1,000,000.00

4.8%

Features
Maximum Issue Age	85 years

Lifetime Income Details

Payout Options

Annuitization

Lump Sum Withdrawal

Additional Options

Actual payout options may vary by insurance carrier and specific products. Common alternatives include:

Life Income Only: Payments for the rest of your life, stopping upon death
Period Certain: Guaranteed payments for a specific time period (5, 10, 15, or 20 years)
Life with Period Certain: Lifetime payments with a minimum guaranteed period
Joint Life: Payments continue for both you and your spouse's lifetimes
Systematic Withdrawal: Regular withdrawals of a specified amount or percentage