Oceanview Life and Annuity
Harbourview Fixed Indexed Annuity 3 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
3 years
Top yield
3.12%
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 Account | Fixed | 7.50% | — | — | 3.12% |
| 1 Year Fixed Account | Fixed | 7.50% | — | — | 3.12% |
| 1 Year Nasdaq-100 Annual Point to Point w/ Cap | Point to Point | — | 7.00% | — | 0.67% |
| 1 Year Russell 2000 Annual Point to Point w/ Cap | Point to Point | — | 7.00% | — | 0.67% |
| 1 Year S&P 500 Annual Point to Point w/ Cap | Point to Point | — | 7.00% | — | 0.67% |
| 1 Year S&P 500 Annual Point to Point w/ Participation | Point to Point | — | — | 60.00% | 0.67% |
| 1 Year S&P 500 Daily Risk Control 10% Excess Return Annual Point to Point w/ Participation Rate | Point to Point | — | — | 70.00% | 0.67% |
| 1 Year S&P 500 Daily Risk Control 5% Excess Return Annual Point to Point w/ Participation Rate | Point to Point | — | — | 140.00% | 0.67% |
| 1 Year S&P 500 Monthly Average w/ Cap | Point to Point | — | 4.00% | — | 0.67% |
| 2 Year S&P 500 Point to Point w/ Participation Rate | Point to Point | — | — | 75.00% | 0.67% |
| 1 Year Nasdaq-100 Annual Point to Point w/ Cap | Point to Point | — | 7.00% | — | 0.67% |
| 1 Year Russell 2000 Annual Point to Point w/ Cap | Point to Point | — | 7.00% | — | 0.67% |
| 1 Year S&P 500 Annual Point to Point w/ Cap | Point to Point | — | 7.00% | — | 0.67% |
| 1 Year S&P 500 Annual Point to Point w/ Participation | Point to Point | — | — | 50.00% | 0.67% |
| 1 Year S&P 500 Daily Risk Control 10% Excess Return Annual Point to Point w/ Participation Rate | Point to Point | — | — | 70.00% | 0.67% |
| 1 Year S&P 500 Daily Risk Control 5% Excess Return Annual Point to Point w/ Participation Rate | Point to Point | — | — | 140.00% | 0.67% |
| 1 Year S&P 500 Monthly Average w/ Cap | Point to Point | — | 4.00% | — | 0.67% |
| 2 Year S&P 500 Point to Point w/ Participation Rate | Point to Point | — | — | 65.00% | 0.67% |
| 1 Year MSCI World Annual Point-to-Point w/ Cap | Point to Point | — | 7.00% | — | — |
| 1 Year MSCI World Annual Point-to-Point w/ Cap | Point to Point | — | 7.00% | — | — |
Surrender Schedule
Yr 1
8%
Yr 2
8%
Yr 3
7%
Product Specifications
- Minimum premium (non-qualified)
- $20,000
- Minimum premium (qualified)
- $20,000
- Maximum issue age
- 89
- Free withdrawal
- 10%
- Market value adjustment
- No
- Return of premium
- No
- States available
- 1 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.