Oceanview Life Harbourview 3
Current Fixed Rates Bands
Rate Effective Date September 9, 2026
The Oceanview Life Harbourview 3 is a three-year annuity offering guaranteed returns and 10% liquidity beginning in year two. After three years, the account value (principal + interest) is surrender penalty-free and available for full withdrawal, reinvestment, or transfer. If no action is taken at maturity, then a new term begins with a new surrender schedule.
Three rate bands are available, but oftentimes two bands offer the same rate. Currently, lower rates are available for deposits between $20K – $69.9K. The full accumulated annuity account value is available at death without surrender charges or negative MVA reductions.
Both qualified and non-qualified funds are accepted, including Profit Sharing, Pension, 403(b), TSP, Traditional IRA, Roth IRA, Inherited IRA, and Stretch IRA accounts. Corporately owned annuities and non-qualified Stretch accounts are also available.
*All rate bands are currently the same for accounts originating in California.
More Annuity options from: Oceanview Life
Notable Features
This annuity only requires a $70,000 initial deposit to receive the highest rate. A lower rate is available on deposits between $20K and $70K. Contract continuation options are available for surviving spouses who do not want to surrender the policy before maturity.
Additional Details
Product Type
MYGA (Multi-Year Guaranteed Annuity)
Term
3 Years
Free Withdrawals Yr1 / Yr2+
0% / 10%
Additional Withdrawal Information
After 12 months, owners may withdraw up to 10% of account value each year without MVA or surrender charges. Additionally, this policy accommodates IRA required minimum distributions (RMDs) and non-qualified stretch distributions after the first contract year.
Surrender Schedule
9%, 8%, 7%, 0%
Maximum Age
89
Minimum Investment
$100,000
Maximum Investment
$1,000,000
What We Like About This Annuity
This annuity is offered by an A rated company. The contract allows for 10% penalty-free withdrawals in years 2-10. There are no surrender penalties upon passing. It accepts unique policy types like non-qualified stretch accounts and corporately owned annuities.
Other Popular Products
Oceanview offers competitive fixed-indexed annuities with high first-year bonus rates. Their indexed annuities have several straightforward investment options using the Nasdaq, S&P 500 and Russell 2000 that can be locked in for the term of the contract.
About Oceanview Life
Oceanview Life
AM Best Rating: A Excellent (3rd of 13 ratings)
https://oceanviewlife.com/
About Oceanview Life And Annuity
Oceanview Life is a consumer-focused insurance company specializing in fixed and indexed annuities. They boast a solid balance sheet and an Excellent A rating from AM Best.
Their annuity policies are designed to provide growth and income for those wanting a secure and stable retirement. Consumers can purchase and invest in Oceanview’s annuities through independent agents, banks, and other financial institutions.
Oceanview’s core mission is to provide competitive and simple investment products for conservative investors looking to mitigate the risk of loss. Their insurance products are designed with simplicity and transparency in mind for consumers across the country.