Pacific Guardian Life

9 Year Term
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company Information

Company Name

Pacific Guardian Life

product Name
Diamond Head 9
Founded in 1961, Pacific Guardian Life is the largest domestic life and disability insurer in Hawaii. There corporate office located in Honolulu and offer a range of life insurance and employee benefits solutions. Pacific Guardians insurance products are sold via independent brokers and career agents at a network of offices across Hawaii, the West Coast, Guam and the Commonwealth of the Northern Marianas. In 1985, Meiji Yasuda Life, Japan’s longest-standing provider and one of the world’s largest life insurance companies purchased them.
am best rating
A Excellent (3rd of 13 ratings)
Product Type
Product description

Fixed annuities are for conservative investors who want safety, security, and guarantees.

You will preserve your principal and earn a fixed rate of return.

You might hear fixed annuities also called CD-like annuities or multiple-year guarantee annuities (MYGA's).

If you are sensitive to loss and don't want to lose a penny, a fixed annuity might be a good fit for some of your savings.

Read our educational articles on fixed annuities to learn more.

Guaranteed Rate Lock Period:

The rate is locked for 60 days from the date of application. If the funds are received after that period the rate might be subject to change and will be the rate in effect at that time.

9 yrs
minimum investment
$ 10,000
maximum investment
$ 1,000,000
maximum age
withdrawal allowance
Throughout the life of the contract there is an opportunity each year to take a withdrawal of up to 10% of the account balance penalty-free.

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*Please provide an investment amount before applying.

Guaranteed Returns

Choose an investment amount and we’ll show you how much you can earn.

Should be at least $10,000
The maximum investment is $1,000,000
The field is required.
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25.30%$ ?$ ?$ ?
35.30%$ ?$ ?$ ?
45.30%$ ?$ ?$ ?
55.30%$ ?$ ?$ ?
65.30%$ ?$ ?$ ?
75.30%$ ?$ ?$ ?
85.30%$ ?$ ?$ ?
95.30%$ ?$ ?$ ?
Total$ ?$ ?$ ?

Enter an investment amount to calculate your earnings and account balance over the life of the contract.

Surrender Charge Schedule

Surrender charges are a penalty charged to early withdrawals of annuity contract. They are a percentage of the withdrawal amount, decrease over time, and go to zero when the term ends.

percentage charged to withdrawal

market-value adjustment (MVA)

A market value adjustment is basically an additional charge or credit for taking money out early from an annuity.

They allow companies to pay a higher rate and make longer-term investments.

MVAs only affect you if you withdraw funds early. If you own the contract to maturity, they do not apply.

other Information

S&P ratingA Strong (6th of 21 ratings)
phone number(808) 955-2236
Product brochure
2.65%. We are paid from the insurance company general fund. It is not deducted from your account value. 100% of your money is working for you from day one. We could earn a higher commission based on sales volume and taking a more active role in the application process.
Rate Effective DateJuly 10th 2024
premium TypeSingle Premium Annuity
account TypePersonal, Traditional IRA, Roth IRA, SEP-IRA, SIMPLE-IRA, 403(b).
Not available inCT, FL, ND, NJ, NY, PR, SD, VI
options at

45 Days prior to the end of your contract term, you will have the option to choose from the following.

1. Withdrawal any amount free of charges and fees.
2. Renew the contract for the same term, if available.
3. Renew the contract for a different term, if available
4. Turn it into guaranteed income via annuitization.
5. If you do nothing, the contract renews for the same term and surrender schedule at the rates available at that time.

death benefit provisionIf you pass away before the end of your annuity contract, your beneficiaries will receive the accumulated policy value. This value will include all interest you have earned and be passed without any charges or fees.
taxesAnnuities typically grow tax-deferred. If you withdrawal money that has never been taxed, withdrawals are 100% taxable. Non-qualified withdrawals have been taxed already, so only interest is taxed. This is called an exclusion ratio. Interest would be taxed, but the principal would not. Please work with a qualified specialist.
surrender schedule
10%, 9%, 8%, 7%, 6%, 5%, 4%, 3%, 2%
free-look period30 Days
market value adjustmentNo
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