Pacific Guardian Life Diamond Head 4
Current Fixed Rate
5.20%
The Pacific Guardian Life Diamond Head 4 is a single-premium, fixed annuity with a four-year guaranteed fixed rate of return. After four years, owners have a 30-day window to withdraw, transfer, or reinvest their entire account balance. If no election is made, the account will renew for a new term at a new declared rate.
Qualified and non-qualified funds are accepted, and the policy is RMD-friendly for IRA owners. Spousal continuances of the contract are allowed upon the first passing. There are no surrender penalties at death. A Life Events Rider (described below) is included for additional liquidity at no additional cost to the contract.
More Annuity options from: Pacific Guardian Life
Notable Features
At no cost, this policy includes a Life Events Rider. It provides a one-time additional 10% free withdrawal amount (for any reason) with no surrender penalties after year one. It can only be used once during the contract’s term.
Additional Details
Product Type
MYGA (Multi-Year Guaranteed Annuity)
Term
4 Years
Free Withdrawals Yr1 / Yr2+
10% / 10%
Surrender Schedule
10%, 9%, 8%, 7%, 0%
Maximum Age
85
Minimum Investment
$10,000
Maximum Investment
$1,000,000 without prior approval
What We Like About This Annuity
There are low minimums to start from an A rated carrier. Yearly 10% free withdrawals begin after the 30-day Free Look period, and there are no surrender penalties at death. The policy also includes a free Life Events Rider for one additional withdrawal during the term of the contract.
Other Popular Products
Pacific Guardian is well known for their guaranteed fixed annuity (MYGA) offerings, but also provides competitive term, final expense, and whole life insurance plans to individuals and families. For Employers, they are active in the temporary disability insurance market, providing competitive coverage and solutions.
About Pacific Guardian Life
Pacific Guardian Life
AM Best Rating: A Excellent (3rd of 13 ratings)
https://www.pacificguardian.com/
About Pacific Guardian Life Insurance Company
For more than 60 years, Pacific Guardian Life has offered insurance products and financial services to individuals, families, and employer groups. This Honolulu, Hawaii-based annuity company offers coverage in 46 states and boasts an A rating with AM Best and Standard & Poor’s. Their Comdex rating is 78.
They have over 1,000 agents and brokers serving their customers nationwide. Their values are to be a trusted partner and servant leader with a community mindset.
More recently, in May of 2026, PGL agreed with Standard Insurance Company (The Standard) to transition their annuities under PGL’s administration. This transition is expected to close in 2027, providing additional annuity growth and investment opportunities for Pacific Guardian Life and its policyholders.