Pacific Harbor
Pacific Life
4.8%
Best Rate
10%
Free W/D
50
States
Pacific Harbor is a fixed annuity that guarantees your money grows at a set rate for 3 or 5 years, protected from market downturns. It's designed for people near or in retirement who want steady, predictable growth without market risk.
Free Withdrawal
10%/yr
Available In
50 states
Min Premium
$25,000
Surrender
1 years
Guaranteed Rates by Term
| Term | Guaranteed Rate |
|---|---|
| 3-Year | 4.7% |
| 5-Year | 4.8% |
Key Features
Guarantee Term Options
3-year or 5-year termsChoose between a 3-year or 5-year guarantee period during which your interest rate is locked in
No Surrender Charges
0% surrender chargesYou can withdraw your money anytime without penalty (though a Market Value Adjustment may apply during the guarantee term on withdrawals over 10%)
Interest Rate Breakpoints
Less than $200k or $200k+Your initial rate depends on your total purchase payment, with higher rates available at higher deposit levels
Tax-Deferred Growth
Tax-deferred until withdrawalEarnings accumulate without current taxation until you withdraw, allowing compound growth to work longer
Income Conversion
Available after year 1After the first year, you can convert your contract into reliable fixed income payments through annuitization
Minimum Initial Purchase
$25,000Starting amount required to open the contract, applies to both qualified and non-qualified funds
Death Benefit
Contract value at deathIf you die before annuity payments begin, your beneficiary receives the full contract value
Highlights
Fixed interest rate guaranteed for 3 or 5 years with no market risk exposure
No surrender charges—access your money anytime without penalties
Tax-deferred growth compounds your earnings until you withdraw
Principal protection backed by one of the nation's largest life insurance companies
Surrender Schedule
Yr 0
0%
After
0%
Nursing home waiver, RMD waiver, Terminal illness waiver
Best For
People nearing or in retirement who want guaranteed growth without market risk and need access to their funds without penalties.
Consider Alternatives If
People seeking growth that outpaces inflation or those uncomfortable with fixed, predictable returns may find this product too conservative.
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