Oceanview Life and Annuity
Harbourview Fixed Indexed Annuity 10 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
FIA
Surrender
10 years
Top yield
1.72%
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 |
|---|---|---|---|---|---|
| 1 Year Fixed Rate Account | Fixed | 8.40% | — | — | 1.72% |
| 1 Year Fixed Rate Account | Fixed | 8.40% | — | — | 1.72% |
| 1 Year Nasdaq-100 Annual Point to Point w/ Cap | Point to Point | — | 8.30% | — | 0.90% |
| 1 Year Russell 2000 Annual Point to Point w/ Cap | Point to Point | — | 8.30% | — | 0.90% |
| 1 Year S&P 500 Annual Point to Point w/ Cap | Point to Point | — | 8.30% | — | 0.90% |
| 1 Year S&P 500 Annual Point to Point w/ Participation | Point to Point | — | — | 65.00% | 0.90% |
| 1 Year S&P 500 Daily Risk Control 10% Excess Return Annual Point to Point w/ Participation Rate | Point to Point | — | — | 90.00% | 0.90% |
| 1 Year S&P 500 Daily Risk Control 5% Excess Return Annual Point to Point w/ Participation Rate | Point to Point | — | — | 180.00% | 0.90% |
| 1 Year S&P 500 Monthly Average w/ Cap | Point to Point | — | 7.00% | — | 0.90% |
| 2 Year S&P 500 Point to Point w/ Participation Rate | Point to Point | — | — | 75.00% | 0.90% |
| 1 Year Nasdaq-100 Annual Point to Point w/ Cap | Point to Point | — | 8.30% | — | 0.90% |
| 1 Year Russell 2000 Annual Point to Point w/ Cap | Point to Point | — | 8.30% | — | 0.90% |
| 1 Year S&P 500 Annual Point to Point w/ Cap | Point to Point | — | 8.30% | — | 0.90% |
| 1 Year S&P 500 Annual Point to Point w/ Participation | Point to Point | — | — | 55.00% | 0.90% |
| 1 Year S&P 500 Daily Risk Control 10% Excess Return Annual Point to Point w/ Participation Rate | Point to Point | — | — | 90.00% | 0.90% |
| 1 Year S&P 500 Daily Risk Control 5% Excess Return Annual Point to Point w/ Participation Rate | Point to Point | — | — | 180.00% | 0.90% |
| 1 Year S&P 500 Monthly Average w/ Cap | Point to Point | — | 7.00% | — | 0.90% |
| 2 Year S&P 500 Point to Point w/ Participation Rate | Point to Point | — | — | 65.00% | 0.90% |
| 1 Year MSCI World Annual Point-to-Point w/ Cap | Point to Point | — | 8.30% | — | — |
| 1 Year MSCI World Annual Point-to-Point w/ Cap | Point to Point | — | 8.30% | — | — |
Surrender Schedule
Yr 1
9%
Yr 2
9%
Yr 3
8%
Yr 4
7%
Yr 5
6%
Yr 6
5%
Yr 7
4%
Yr 8
3%
Yr 9
2%
Yr 10
1%
Product Specifications
- Minimum premium (non-qualified)
- $20,000
- Minimum premium (qualified)
- $20,000
- Maximum issue age
- 84
- Free withdrawal
- 10%
- Market value adjustment
- Yes
- Return of premium
- No
- 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. Annuities are issued by insurance companies and are not guaranteed by any bank or the FDIC. See our legal & disclosures.