Oceanview Life Harbourview 4
Current Fixed Rates
| 5.00% | $100,000 | — | $1,000,000 |
| 5.00% | $70,000 | — | $99,999 |
| 4.65% | $20,000 | — | $69,999 |
The Oceanview Life Harbourview 4 is a shorter term, four-year annuity offering guaranteed returns and 10% liquidity beginning in year two. After four years, the account value (principal + interest) is completely liquid and available for withdrawal, reinvestment, or transfer. If no action is taken at renewal, then a new 4-year term begins with a new surrender schedule.
There are three rate bands available. Currently, lower rates are available for deposits between $20K – $69.9K. Qualified and non-qualified funds are accepted and accounts can be established for most corporations. All interest rates are .10% lower for accounts originating in California. The full accumulated annuity account value is available at death.
More Annuity options from: Oceanview Life
Notable Features
This annuity requires a $70,000 initial deposit to receive the highest rate. A lower rate is available in deposits between $20K and $70K. Spousal continuations options are available for surviving spouses.
Additional Details
Product Type
MYGA (Multi-Year Guaranteed Annuity)
Term
4 Years
Free Withdrawals Yr1 / Yr2+
0% / 10%
Surrender Schedule
9%, 8%, 7%, 6%, 5%, 0%
Maximum Age
89
Minimum Investment
$70,000
Maximum Investment
$1,000,000 without prior approval
What We Like About This Annuity
Unique four-year annuity is offered by an A rated company. Contract allows for 10% withdrawals in years 2-4 and is surrender-free value at death. Qualified and corporate deposits are accepted.
Other Popular Products
Oceanview offers competitive fixed-indexed annuities with high first year fixed rates. Thes indexed annuities have several sought after investment options using the Nasdaq, S&P 500 and Russell 2000.
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.