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Fixed Indexed Annuity

CapLock Fixed Indexed Annuity

Oceanview Life

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8.5%

Best S&P 500 Annual Cap

10%

Free W/D

48

Available jurisdictions

Product data status: July 16, 2026

Rates, state availability, rider terms, and contract language must be confirmed with a licensed financial advisor or insurance professional before purchase. Guarantees are backed by the issuing insurer.

Model this product

See what CapLock Fixed Indexed Annuity would do for you

Set your numbers and switch between growth, income, and liquidity. Index losses credit 0% — the floor — so a down market never reduces your value.

Product analyzer
Illustrative — live CANNEX rates as of July 16, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$141,158
Est. value at age 80 (CapLock Fixed Indexed Annuity)
8.5%
Best S&P 500 1-yr point-to-point cap
Nasdaq-100 Index — 9% Cap (5-yr point-to-point)
✦
How crediting works: the cap limits positive index returns; a down year credits 0%, never a loss. A cap strategy tracks the index within its terms. What is a cap vs participation? →
Assumptions: illustrative — applies CapLock Fixed Indexed Annuity's published cap rate (9% on Nasdaq-100 Index) to a standard benchmark hypothetical index path (~5.4%/yr average, including down years) with a 0% floor over 20 years; 5-year credits are applied only at completed term anniversaries. Not a projection, quote, or guarantee. Live CANNEX rates as of July 16, 2026.

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See how CapLock Fixed Indexed Annuity compares for your age, state, premium, and income goals alongside other Oceanview Life fixed indexed annuity options.

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Live rate data

Run live numbers for CapLock Fixed Indexed Annuity

Current rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Oceanview Life product.

Live product data

Rates as of July 16, 2026, from AdvisorWorld and CANNEX.

S&P 500 annual point-to-point cap rate

8.5% cap on S&P 500

A multi-year-surrender fixed indexed annuity from an A-rated Oceanview Life carrier, built for index-linked accumulation across cap, participation, and monthly-sum strategies on a mix of recognizable benchmark and proprietary volatility-controlled indexes, with no income rider and no premium bonus.

1-year term7-year surrenderDoes not vary by premiumAdvisorWorld + CANNEX data

Best fit

Buyers committed to a multi-year deferral who want index-linked accumulation, value the ability to mix crediting designs (cap, participation, monthly-sum) on the same S&P 500 exposure, and don't need a guaranteed lifetime-income rider built into the contract.

AM Best

A Excellent

Surrender options

5 and 7 years

Free withdrawal

10%/yr

Availability

48 jurisdictions (excl. Mississippi, New York, Vermont)

Featured crediting strategies

Featured strategies use the selected state's rates. The full listing below labels other CANNEX state-rate variants separately.

Index / strategyRate mechanics

S&P 500

S&P 500 Index

8.25% cap rate

Annual cap

1-year term · 5-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

monthly avg cap

5% cap rate

Monthly cap

1-year term · 5-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

8.5% cap rate

Annual cap

1-year term · 7-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

monthly avg cap

5% cap rate

Monthly cap

1-year term · 7-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

45% participation rate

Participation

1-year term · 5-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

50% participation rate

Participation

1-year term · 7-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

55% participation rate

Participation

2-year term · 5-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

60% participation rate

Participation

2-year term · 7-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

9% cap rate

Cap strategy

5-year term · 5-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

9% cap rate

Cap strategy

7-year term · 7-year surrender · Does not vary by premium

Nasdaq-100

Nasdaq-100 Index

8.25% cap rate

Annual cap

1-year term · 5-year surrender · Does not vary by premium

Nasdaq-100

Nasdaq-100 Index

8.5% cap rate

Annual cap

1-year term · 7-year surrender · Does not vary by premium

Nasdaq-100

Nasdaq-100 Index

9% cap rate

Cap strategy

5-year term · 5-year surrender · Does not vary by premium

Nasdaq-100

Nasdaq-100 Index

9% cap rate

Cap strategy

7-year term · 7-year surrender · Does not vary by premium

Fixed Account

Fixed Account

3.5% declared rate

Fixed account

1-year term · 5-year surrender · Does not vary by premium

Fixed Account

Fixed Account

3.5% declared rate

Fixed account

1-year term · 7-year surrender · Does not vary by premium

+ 8 additional crediting options (Russell 2000, S&P 500...)

Product analyst notes

How to think about this contract

Why it can stand out

  • Multiple crediting designs are offered on the S&P 500 — annual point-to-point cap, multi-year participation, and monthly-sum cap — so a buyer who wants S&P exposure can pick the mechanic that best fits their view of the index, rather than being locked into a single style.
  • Index menu spans recognizable benchmark indexes (S&P 500, Nasdaq-100, Russell 2000) alongside two proprietary volatility-controlled S&P 500 Daily Risk Control variants, so the buyer can choose between like-for-like cap comparison and higher-participation alternatives.
  • The surrender ladder is shorter than the ten-year norm on the long end of the FIA market — buyers who don't want a full decade of deferral can compare it directly against shorter-surrender alternatives, with the schedule fully visible on this page.
  • Free-withdrawal allowance and the full surrender schedule are visible on this page, so the schedule of penalty-free liquidity is not gated behind a sales brochure.

What to confirm

  • This contract is not a guaranteed-lifetime-withdrawal product. There is no GLWB income rider attached — the live feed shows an empty income-rider list — and the only contract-level enhancements are surrender-charge waivers (nursing home, terminal illness). Do not compare its payout side-by-side with a rider-led income FIA.
  • There is no premium bonus and no death-benefit roll-up on this contract — the death benefit is the standard contract value, with no guaranteed legacy bump. Buyers prioritizing a legacy step-up should evaluate that separately.
  • Several of the listed indexes are proprietary volatility-controlled benchmarks (S&P 500 Daily Risk Control variants). Participation rates on these strategies can look high in absolute terms but are not directly comparable to an uncontrolled S&P 500 cap — evaluate each strategy on its own merits. The guaranteed-minimum cap floor on this contract is low, so caps and participation rates can reset down toward that floor over the surrender term, and the buyer carries that renewal risk for the full term.
  • Not available to residents of New York, Vermont, or Mississippi per the live feed — the contract is offered in 48 jurisdictions. Confirm availability with the carrier for your state before assuming this contract is offered.

Not ideal for

Buyers who need a contractually guaranteed GLWB-rider withdrawal rate, expect a premium bonus to offset the surrender commitment, or want a death-benefit roll-up beyond the standard contract value — none of those are what this contract is built to deliver. Also not available to residents of New York, Vermont, or Mississippi per the live feed.

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See how CapLock Fixed Indexed Annuity compares for your age, state, premium, and income goals alongside other Oceanview Life fixed indexed annuity options.

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All crediting strategies

View rate listings (44 strategies)

These are the current crediting strategies available for this product. Use the filters to narrow by index, term, premium band, state rate set, or rate type.

Par: 140% · 1-yr

S&P 500 Daily Risk Control 5% Excess Return (USD) Index

participation

5-yr surrenderDoes not vary by premium

Par: 70% · 1-yr

S&P 500 Daily Risk Control 10% USD Excess Return Index

participation

5-yr surrenderDoes not vary by premium

Par: 45% · 1-yr

S&P 500 Index

participation

5-yr surrenderDoes not vary by premium

Cap: 8.25% · 1-yr

S&P 500 Index

cap

5-yr surrenderDoes not vary by premium

Cap: 8.25% · 1-yr

Nasdaq-100 Index

cap

5-yr surrenderDoes not vary by premium

Cap: 8.25% · 1-yr

Russell 2000 Index

cap

5-yr surrenderDoes not vary by premium

Cap: 5% · 1-yr

S&P 500 Index

monthly_avg_cap

5-yr surrenderDoes not vary by premium

Fixed: 3.5% · 1-yr

Fixed Account

fixed

5-yr surrenderDoes not vary by premium

Par: 55% · 2-yr

S&P 500 Index

participation

5-yr surrenderDoes not vary by premium

Cap: 9% · 5-yr

S&P 500 Index

cap

5-yr surrenderDoes not vary by premium

Cap: 9% · 5-yr

Nasdaq-100 Index

cap

5-yr surrenderDoes not vary by premium

Cap: 9% · 5-yr

Russell 2000 Index

cap

5-yr surrenderDoes not vary by premium

Par: 50% · 1-yr

S&P 500 Index

participation

7-yr surrenderDoes not vary by premium

Cap: 8.5% · 1-yr

S&P 500 Index

cap

7-yr surrenderDoes not vary by premium

Cap: 8.5% · 1-yr

Nasdaq-100 Index

cap

7-yr surrenderDoes not vary by premium

Cap: 8.5% · 1-yr

Russell 2000 Index

cap

7-yr surrenderDoes not vary by premium

Par: 60% · 2-yr

S&P 500 Index

participation

7-yr surrenderDoes not vary by premium

Cap: 9% · 7-yr

S&P 500 Index

cap

7-yr surrenderDoes not vary by premium

Cap: 9% · 7-yr

Nasdaq-100 Index

cap

7-yr surrenderDoes not vary by premium

Cap: 9% · 7-yr

Russell 2000 Index

cap

7-yr surrenderDoes not vary by premium

Cap: 9% · 5-yr

S&P 500 Index

Point-to-point

Does not vary by premium

Cap: 9% · 5-yr

Nasdaq-100 Index

Point-to-point

Does not vary by premium

Cap: 9% · 5-yr

Russell 2000 Index

Point-to-point

Does not vary by premium

Cap: 9% · 7-yr

S&P 500 Index

Point-to-point

Does not vary by premium

Cap: 9% · 7-yr

Nasdaq-100 Index

Point-to-point

Does not vary by premium

Cap: 9% · 7-yr

Russell 2000 Index

Point-to-point

Does not vary by premium

Par: 140% · 1-yr

S&P 500 Daily Risk Control 5% Excess Return (USD) Index

Point-to-point

Other state rate set 7518Does not vary by premium

Par: 70% · 1-yr

S&P 500 Daily Risk Control 10% USD Excess Return Index

Point-to-point

Other state rate set 7518Does not vary by premium

Par: 45% · 1-yr

S&P 500 Index

Point-to-point

Other state rate set 7518Does not vary by premium

Cap: 8.25% · 1-yr

S&P 500 Index

Point-to-point

Other state rate set 7518Does not vary by premium

Cap: 8.25% · 1-yr

Nasdaq-100 Index

Point-to-point

Other state rate set 7518Does not vary by premium

Cap: 8.25% · 1-yr

Russell 2000 Index

Point-to-point

Other state rate set 7518Does not vary by premium

Cap: 5% · 1-yr

S&P 500 Index

AV

Other state rate set 7518Does not vary by premium

Fixed: 3.5% · 1-yr

Fixed Account

Fixed account

Other state rate set 7518Does not vary by premium

Par: 55% · 2-yr

S&P 500 Index

Point-to-point

Other state rate set 7518Does not vary by premium

Par: 140% · 1-yr

S&P 500 Daily Risk Control 5% Excess Return (USD) Index

Point-to-point

Other state rate set 7592Does not vary by premium

Par: 70% · 1-yr

S&P 500 Daily Risk Control 10% USD Excess Return Index

Point-to-point

Other state rate set 7592Does not vary by premium

Par: 50% · 1-yr

S&P 500 Index

Point-to-point

Other state rate set 7592Does not vary by premium

Cap: 8.5% · 1-yr

S&P 500 Index

Point-to-point

Other state rate set 7592Does not vary by premium

Cap: 8.5% · 1-yr

Nasdaq-100 Index

Point-to-point

Other state rate set 7592Does not vary by premium

Cap: 8.5% · 1-yr

Russell 2000 Index

Point-to-point

Other state rate set 7592Does not vary by premium

Cap: 5% · 1-yr

S&P 500 Index

AV

Other state rate set 7592Does not vary by premium

Fixed: 3.5% · 1-yr

Fixed Account

Fixed account

Other state rate set 7592Does not vary by premium

Par: 60% · 2-yr

S&P 500 Index

Point-to-point

Other state rate set 7592Does not vary by premium

Accumulation profile

Accumulation-focused contract

Current CANNEX information identifies this product as tax-deferred accumulation. Compare cap, participation rate, fees, liquidity, and surrender terms; use a separate payout-focused contract when guaranteed payout mechanics are required.

Common questions about CapLock Fixed Indexed Annuity

● Can I lose money in CapLock Fixed Indexed Annuity?

A negative index return by itself does not reduce the contract's account value: CapLock Fixed Indexed Annuity credits 0% — the floor — for that indexed period. The account value can still decrease from applicable rider fees, Performance Rate Rider or other strategy charges, administrative charges, withdrawals, surrender charges, or other contract-specific deductions. In years with no credited interest, those deductions can reduce the account value. Up to 10% of your value can be withdrawn each year without a charge; withdrawals above the penalty-free amount during the surrender period can incur a surrender charge.

● How do CapLock Fixed Indexed Annuity's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current CapLock Fixed Indexed Annuity strategy on the same premium, age, years, and hypothetical index path. The control labels the strategy type, rate, index, and context so caps, participation rates, triggers, spreads, and fixed-account choices are not treated as interchangeable.

Key Features

Free withdrawal

10%/yr

Annual amount that may be available without surrender charges, subject to contract terms.

Surrender waivers

2

Nursing home waiver, Terminal illness waiver

Death benefit

Standard DB

Beneficiary value depends on contract terms, withdrawals, and rider elections.

Cap-rate floor

1.00%

Minimum guaranteed cap for cap-based indexed strategies.

Fixed account guarantee

1.00%

Guaranteed minimum interest rate for the fixed account.

Participation-rate floor

10.00%

Minimum guaranteed participation rate for participation-rate indexed strategies.

Annuitization options

Single and joint

Contract conversion options should be confirmed before purchase.

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

Surrender schedule

Surrender schedule not available for this product

A surrender-charge schedule is currently unavailable for this product. Surrender terms often vary by state — confirm with the carrier before purchase.

Documents

brochure

[FIA] Oceanview CapLock - Client Brochure.pdf

Confidence: highReviewed Apr 8, 2026

Direct link not published — request the document from the carrier.

Carrier Ratings

AM BestA

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

CapLock Fixed Indexed Annuity currently shows 38 distinct indexed or fixed crediting choices across 44 displayed rate entries, including S&P 500 Index, with 12 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, renewal terms, and fee-bearing rider variants are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 8.25% annual cap
  • S&P 500 Index: 5% monthly cap
  • S&P 500 Index: 8.5% annual cap
  • S&P 500 Index: 8.25% annual point-to-point cap

Liquidity terms

Why access rules deserve as much attention as rates

A fixed indexed annuity can preserve more control than an income-only contract, but access is still governed by the surrender schedule, free-withdrawal terms, and waiver language. Those details are where many product comparisons become more meaningful than a simple rate list.

  • 10%/yr free withdrawal
  • Nursing home waiver
  • Terminal illness waiver

Verification note

Use carrier materials as term evidence, then confirm the current version

Carrier materials such as [FIA] Oceanview CapLock - Client Brochure.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 24, 2026. For the current brochure, rate sheet, or specimen contract, confirm the state-specific version with the carrier or a licensed financial professional.

  • Rates and rider terms can vary by state and issue age
  • Carrier guarantees depend on claims-paying ability
  • Current contract forms should be confirmed before purchase

Free Comparison Report

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See how CapLock Fixed Indexed Annuity compares for your age, state, premium, and income goals alongside other Oceanview Life fixed indexed annuity options.

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