Annuity Atlas
Reviews

Expert review · 2026

Pacific Guardian Life review

Annuity Atlas covers 8 Pacific Guardian Life annuity products with live rates and contract specs.

Carrier strength

A
A.M. Best
Products8
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Products covered
8
A.M. Best
A
Categories covered
MYGA
01

8 Pacific Guardian Life annuities

Click any product for rates, specs, and contract detail.

ProductTypeSurrenderRatingIncome riderBonus
Diamond Head 10MYGA10yrADetails →
Diamond Head 5MYGA5yrADetails →
Diamond Head 6MYGA6yrADetails →
Diamond Head 7MYGA7yrADetails →
Diamond Head 8MYGA8yrADetails →
Diamond Head 9MYGA9yrADetails →
Diamond Head 3MYGA3yrADetails →
Diamond Head 4MYGA4yrADetails →
02

Frequently asked questions

Is Pacific Guardian Life a good annuity company?
Pacific Guardian Life is covered by our editorial team, and A.M. Best rates the carrier A for financial strength.
What is the surrender period for Pacific Guardian Life annuities?
Surrender periods on Pacific Guardian Life's current lineup run 3–10 years, depending on the product. Most products allow an annual free-withdrawal amount before charges apply — the product table above shows each product's surrender length, and each review covers the exact schedule.

Sources & standards

How we know what's on this page

Rates, terms & availability
Annuity Rate Watch, which aggregates carriers' filed rate sheets. Refreshed every night.
Financial strength
A.M. Best. We publish the carrier's letter rating rather than a score of our own.
Contract detail
The carrier's own brochure — minimum guaranteed surrender value, death benefit, RMD treatment, annuitization options, waiver riders and free-withdrawal terms. Where the brochure and the rate feed disagree, the brochure wins: it is the filed document. Where neither carries a fact, the page omits it. We do not fill gaps with estimates.

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