Expert review · 2026

Oceanview review

Annuity Atlas covers 18 Oceanview annuity products with live rates and contract specs. 13 carry full editorial reviews.

How we rank →Today's rates →

A.M. Best

Insurer claims-paying rating

Products tracked: 18
MYGA yield (lineup max): 6.20% · 10yr · Harbourview 10-Year
Surrender range: 2–10 years

Rate as of Oct 15, 2026

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Products covered

A.M. Best

Categories covered

MYGA · FIA

18 Oceanview annuities

Click any product for rates, specs, and the full peer-group review.

Product	Type	Surrender	Rating	Income rider	Bonus
Harbourview 10-Year Savers with a genuine 10-year horizon who want a locked, no-fee fixed rate from an A-rated carrier and don't need income riders or early access to principal	MYGA	10yr	A	—	—	Review →
Harbourview 6-Year Buyers with $20,000 or more they can commit for six years who want a locked, competitive rate without paying for riders they won't use	MYGA	6yr	A	—	—	Review →
Harbourview 4-Year Savers who can commit $20,000+ for four years and want a clean, bonus-free locked rate from an A-rated carrier	MYGA	4yr	A	—	—	Review →
Harbourview 7-Year Shoppers comfortable locking a 7-year guaranteed rate with a solid A-rated carrier who don't need liquidity beyond the annual 10% free withdrawal	MYGA	7yr	A	—	—	Review →
Harbourview 5-Year Savers with at least $70,000 to commit who want a five-year, A-rated fixed-rate contract without rider complexity	MYGA	5yr	A	—	—	Review →
Harbourview 3-Year Shoppers who want a short, clean rate lock from an A-rated carrier and can fund at or above $80,000 to reach the better rate band	MYGA	3yr	A	—	—	Review →
Harbourview 2-Year Conservative savers parking short-term cash who want a locked rate from a genuinely solid carrier and can leave the money untouched for at least the first year	MYGA	2yr	A	—	—	Review →
CapLock 5	FIA	5yr	A	—	—	Details →
CapLock 7	FIA	7yr	A	—	—	Details →
CapLock Fixed Indexed Annuity 5-Year A five-year buyer whose main concern is that a fixed indexed annuity's cap can be cut every year, and who will commit to the guaranteed-cap strategies at application	FIA	5yr	A	—	—	Review →
CapLock Fixed Indexed Annuity 7-Year A seven-year buyer who wants the longest cap guarantee Oceanview writes and will commit to the guaranteed-cap strategies at application	FIA	7yr	A	—	—	Review →
CurrentRate 5	MYGA	5yr	A	—	—	Details →
Harbourview Fixed Indexed Annuity 10-Year A long-horizon buyer who specifically wants the monthly-average or volatility-controlled accounts, where this term pays more than any other Harbourview index contract	FIA	10yr	A	—	—	Review →
Harbourview Fixed Indexed Annuity 3-Year A saver who wants a genuinely short index-linked contract from an A rated insurer and is buying the three-year surrender period itself rather than the crediting rates	FIA	3yr	A	—	—	Review →
Harbourview Fixed Indexed Annuity 5-Year A five-year buyer who wants index-linked crediting with no fees of any kind and does not need access to the money before the surrender period ends	FIA	5yr	A	—	—	Review →
Harbourview Fixed Indexed Annuity 7-Year A seven-year buyer who wants the stronger monthly-average and volatility-controlled accounts rather than the headline cap, with no fees taken out along the way	FIA	7yr	A	—	—	Review →
LevelCap FIA 5	FIA	5yr	A	—	—	Details →
LevelCap FIA 7	FIA	7yr	A	—	—	Details →

Harbourview 10-Year

Savers with a genuine 10-year horizon who want a locked, no-fee fixed rate from an A-rated carrier and don't need income riders or early access to principal

A.M. BEST

MYGA10-YR SURRENDER

Review →

Harbourview 6-Year

Buyers with $20,000 or more they can commit for six years who want a locked, competitive rate without paying for riders they won't use

A.M. BEST

MYGA6-YR SURRENDER

Review →

Harbourview 4-Year

Savers who can commit $20,000+ for four years and want a clean, bonus-free locked rate from an A-rated carrier

A.M. BEST

MYGA4-YR SURRENDER

Review →

Harbourview 7-Year

Shoppers comfortable locking a 7-year guaranteed rate with a solid A-rated carrier who don't need liquidity beyond the annual 10% free withdrawal

A.M. BEST

MYGA7-YR SURRENDER

Review →

Harbourview 5-Year

Savers with at least $70,000 to commit who want a five-year, A-rated fixed-rate contract without rider complexity

A.M. BEST

MYGA5-YR SURRENDER

Review →

Harbourview 3-Year

Shoppers who want a short, clean rate lock from an A-rated carrier and can fund at or above $80,000 to reach the better rate band

A.M. BEST

MYGA3-YR SURRENDER

Review →

Harbourview 2-Year

Conservative savers parking short-term cash who want a locked rate from a genuinely solid carrier and can leave the money untouched for at least the first year

A.M. BEST

MYGA2-YR SURRENDER

Review →

CapLock 5

A.M. BEST

FIA5-YR SURRENDER

Details →

CapLock 7

A.M. BEST

FIA7-YR SURRENDER

Details →

CapLock Fixed Indexed Annuity 5-Year

A five-year buyer whose main concern is that a fixed indexed annuity's cap can be cut every year, and who will commit to the guaranteed-cap strategies at application

A.M. BEST

FIA5-YR SURRENDER

Review →

CapLock Fixed Indexed Annuity 7-Year

A seven-year buyer who wants the longest cap guarantee Oceanview writes and will commit to the guaranteed-cap strategies at application

A.M. BEST

FIA7-YR SURRENDER

Review →

CurrentRate 5

A.M. BEST

MYGA5-YR SURRENDER

Details →

Harbourview Fixed Indexed Annuity 10-Year

A long-horizon buyer who specifically wants the monthly-average or volatility-controlled accounts, where this term pays more than any other Harbourview index contract

A.M. BEST

FIA10-YR SURRENDER

Review →

Harbourview Fixed Indexed Annuity 3-Year

A saver who wants a genuinely short index-linked contract from an A rated insurer and is buying the three-year surrender period itself rather than the crediting rates

A.M. BEST

FIA3-YR SURRENDER

Review →

Harbourview Fixed Indexed Annuity 5-Year

A five-year buyer who wants index-linked crediting with no fees of any kind and does not need access to the money before the surrender period ends

A.M. BEST

FIA5-YR SURRENDER

Review →

Harbourview Fixed Indexed Annuity 7-Year

A seven-year buyer who wants the stronger monthly-average and volatility-controlled accounts rather than the headline cap, with no fees taken out along the way

A.M. BEST

FIA7-YR SURRENDER

Review →

LevelCap FIA 5

A.M. BEST

FIA5-YR SURRENDER

Details →

LevelCap FIA 7

A.M. BEST

FIA7-YR SURRENDER

Details →

Frequently asked questions

Is Oceanview a good annuity company?

We have reviewed 13 Oceanview products, and A.M. Best rates the carrier A for financial strength.

What is the surrender period for Oceanview annuities?

Surrender periods on Oceanview's current lineup run 2–10 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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