Pacific Life Pacific Harbor Review (Pilot Scaffold) (not live)

Editorial draft pending. This review is a pilot scaffold, not finished editorial. It exists to validate Phase 5 schemas, pipeline wiring, and the not-live surface treatment (noindex + pilot chip). It does not contain subjective rankings, recommendations, or carrier-specific rate data. Numeric product features (caps, participation rates, renewal histories) are intentionally omitted until an editor has reviewed primary sources and signed off.

What this review covers

Pacific Life Pacific Harbor is a MYGA product attributed to Pacific Life in this wave-1 pilot. Product structure, crediting mechanics, surrender schedule, fee schedule, and rate history are intentionally undocumented in this scaffold — an editor will fill them in from the carrier’s disclosure documents and rate sheets before this review is considered complete.

Scope and availability

• Status: pilot (inherits from carrier; see the carrier review)
• Featured rates: none. featuredCapRate, featuredParticipationRate, and featuredSpread are deliberately omitted from frontmatter rather than stubbed with placeholder values (no silent backfills — Phase 4 brief).
• Surrender / fees: not documented in the pilot scaffold.
• State availability: Pacific Harbor is not available in New York. 3
• Rate sheet channel: the Pacific Life rate disclosure cited here is published on Pacific Life’s advisory channel (ria.pacificlife.com), not Pacific Life’s consumer site (www.pacificlife.com), which does not publish MYGA rates. This is first-party Pacific Life content hosted on an advisor-facing subdomain.

Linked carrier review

• Pacific Life — carrier-level review with LIMRA 2025 rank context and pilot-scope notes.

Sources

1. LIMRA, Fourth Quarter 2025 Top 20 Annuity Sales Rankings — used to place the carrier in the wave-1 rollout order. 1
2. LIMRA, Fourth Quarter 2025 Top Fixed Annuity Sales Rankings — fixed-annuity category context. 2
3. Pacific Life Advisory, Fixed Annuity Rates — first-party Pacific Life rate disclosure (advisory channel). 3