Annuity Educator
Best Guaranteed Annuity Rates
2-Year
5.25%
3-Year
6.25%
5-Year
6.30%
7-Year
5.80%
10-Year
5.80%

Pacific Harbor

In the complex world of retirement planning, annuities stand out as a popular choice for those seeking steady income streams in their golden years. Amidst a crowded market, a few annuity companies have distinguished themselves through their robust financial strength, customer service excellence, and diverse product offerings.

Get an annuity today!

Learn how an annuity can provide guaranteed income for life.

Pacific Harbor provides steady growth while also creating additional wealth through the power of tax deferral. It offers clients:
  • A fixed rate with a three- or five-year guarantee term.
  • No withdrawal charges.
  • No exposure to market volatility.
  • Tax-deferred earnings.
Withdrawals and Withdrawal Charge
Withdrawals are permitted 30 days after contract issue.  Pacific Harbor has no withdrawal charges; however, a market value adjustment (MVA) may apply.

Market Value Adjustments (MVA)
An MVA may apply for withdrawals during the Initial Guarantee Term that are in excess of 10% of the prior anniversary's contract value (10% of purchase payments in the first year). There is no MVA assessed on withdrawals made after the Initial Guarantee Term has expired. For more information about the MVA formula, please refer to the MVA endorsement that accompanies the contract.

Withdrawals without MVA
In the first contract year, 10% of the total purchase payments may be withdrawn without an MVA.  For each subsequent contract year, 10% of the contract value as of the prior contract anniversary may be withdrawn without an MVA.

Death Benefit
If death occurs before annuity income payments begin, a death benefit equal to the contract value is paid on the death of the first owner or the last annuitant.

Notes
  • TSP funds have to be rolled into a different account.
  • If the owner of NQ stretch passes away, we would not be able to issue a new NQ stretch (2nd generation inherited NQ contracts)

Traditional Fixed Annuity Interest Rates

Surrender Years First Year Yield Term Guaranteed Yield Term Current Yield
0 3.9% 3.9% 3.9%
0 4.35% 4.35% 4.35%