Oceanview Life and Annuity
Harbourview 5 Year
Rates and specifications only. Our editorial review of this product hasn't been written yet, so there's no star rating or verdict here — the figures below come straight from the carrier's filed rates and brochure.
Type
MYGA
Surrender
5 years
Top yield
5.25%
A.M. Best
A
Current Rates
Yield shown is the guaranteed yield to surrender — the honest effective return, not a first-year teaser rate. Each row is a variant of the same product.
| Strategy | Method | Rate | Cap | Par | Yield to surrender |
|---|---|---|---|---|---|
| 5 Year MYGA Account | Fixed | 5.25% | — | — | 5.25% |
| 5 Year MYGA Account | Fixed | 5.25% | — | — | 5.25% |
| 5 Year MYGA Account | Fixed | 5.10% | — | — | 5.10% |
| 5 Year MYGA Account | Fixed | 5.10% | — | — | 5.10% |
| 5 Year MYGA Account | Fixed | 5.10% | — | — | 5.10% |
| 5 Year MYGA Account | Fixed | 5.10% | — | — | 5.10% |
| 5 Year MYGA Account | Fixed | 5.00% | — | — | 5.00% |
| 5 Year MYGA Account | Fixed | 5.00% | — | — | 5.00% |
| 5 Year MYGA Account | Fixed | 4.90% | — | — | 4.90% |
| 5 Year MYGA Account | Fixed | 4.75% | — | — | 4.75% |
| 5 Year MYGA Account | Fixed | 4.75% | — | — | 4.75% |
| 5 Year MYGA Account | Fixed | 4.65% | — | — | 4.65% |
| 1 Year Fixed Account | Fixed | 6.00% | — | — | 1.98% |
| 1 Year Fixed Account | Fixed | 6.00% | — | — | 1.98% |
| 1 Year Nasdaq-100 Annual Point to Point w/ Cap | Point to Point | — | 8.40% | — | 0.80% |
| 1 Year Nasdaq-100 Annual Point to Point w/ Cap | Point to Point | — | 8.40% | — | 0.80% |
| 1 Year Russell 2000 Annual Point to Point w/ Cap | Point to Point | — | 8.40% | — | 0.80% |
| 1 Year Russell 2000 Annual Point to Point w/ Cap | Point to Point | — | 8.40% | — | 0.80% |
| 1 Year S&P 500 Annual Point to Point w/ Cap | Point to Point | — | 8.40% | — | 0.80% |
| 1 Year S&P 500 Annual Point to Point w/ Cap | Point to Point | — | 8.40% | — | 0.80% |
| 1 Year S&P 500 Annual Point to Point w/ Participation | Point to Point | — | — | 65.00% | 0.80% |
| 1 Year S&P 500 Annual Point to Point w/ Participation | Point to Point | — | — | 65.00% | 0.80% |
| 1 Year S&P 500 Daily Risk Control 10% Excess Return Annual Point to Point w/ Participation Rate | Point to Point | — | — | 70.00% | 0.80% |
| 1 Year S&P 500 Daily Risk Control 10% Excess Return Annual Point to Point w/ Participation Rate | Point to Point | — | — | 70.00% | 0.80% |
| 1 Year S&P 500 Daily Risk Control 5% Excess Return Annual Point to Point w/ Participation Rate | Point to Point | — | — | 140.00% | 0.80% |
| 1 Year S&P 500 Daily Risk Control 5% Excess Return Annual Point to Point w/ Participation Rate | Point to Point | — | — | 140.00% | 0.80% |
| 1 Year S&P 500 Monthly Average w/ Cap | Point to Point | — | 5.00% | — | 0.80% |
| 1 Year S&P 500 Monthly Average w/ Cap | Point to Point | — | 5.00% | — | 0.80% |
| 2 Year S&P 500 Point to Point w/ Participation Rate | Point to Point | — | — | 75.00% | 0.80% |
| 2 Year S&P 500 Point to Point w/ Participation Rate | Point to Point | — | — | 75.00% | 0.80% |
| 1 Year MSCI World Annual Point-to-Point w/ Cap | Point to Point | — | 8.40% | — | — |
| 1 Year MSCI World Annual Point-to-Point w/ Cap | Point to Point | — | 8.40% | — | — |
Surrender Schedule
Yr 1
9%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
Product Specifications
- Minimum premium (non-qualified)
- $20,000
- Minimum premium (qualified)
- $20,000
- Maximum issue age
- 89
- Free withdrawal
- 10%
- Free withdrawal (year 1)
- 0%
- Market value adjustment
- true
- Return of premium
- false
- States available
- 48 states
Carrier Brochure
Rates are a snapshot and change frequently. Figures are sourced from the carrier's filed rates via Annuity Rate Watch and refreshed nightly. Nothing here is a recommendation to buy.