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Fixed Indexed Annuity

Harbourview Fixed Indexed Annuity

Oceanview Life

7%

Best Cap

10%

Free W/D

49

Jurisdictions

Product data status: May 29, 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.

Live product data

Rates as of May 29, 2026, based on the latest AdvisorWorld scan of CANNEX data.

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

7% cap on S&P 500

An accumulation-focused fixed indexed annuity from an A-rated Oceanview Life carrier, built for index-linked growth 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 termAdvisorWorld + CANNEX data

Best fit

Buyers who want index-linked accumulation across multiple crediting designs and indexes, value the option to mix a fixed-account allocation with index exposure inside one contract, and don't need a guaranteed lifetime-income rider built into the chassis.

AM Best

A Excellent

Surrender period

10 years

Free withdrawal

10%/yr

Availability

49 jurisdictions (excl. New York, Vermont)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

4% cap rate

S&P 500

S&P 500 Index

7% cap rate

S&P 500

S&P 500 Index

60% participation rate

S&P 500

S&P 500 Index

50% participation rate

S&P 500

S&P 500 Index

75% participation rate

S&P 500

S&P 500 Index

65% participation rate

Nasdaq-100

Nasdaq-100 Index

7% cap rate

Fixed Account

Fixed Account

7.5% declared rate

+ 3 volatility-controlled index options (Russell 2000, S&P 500...)

Product analyst notes

How to think about this contract

Why it can stand out

  • 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.
  • 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.
  • Fixed-account allocation is available alongside the index strategies, so a portion of premium can earn a stated declared rate independent of index performance — useful for buyers who want partial principal-protected exposure inside the same contract.
  • 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 filing 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 or Vermont per the live feed — the filing is offered in 49 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 or Vermont per the live feed.

All crediting strategies

View rate listings (18 rows)

These are the current crediting strategy listings returned for this product. Use the filters to narrow by index, term, premium band, or rate type.

Par: 140% · 1-yr

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

participation

3-yr surrender

Par: 70% · 1-yr

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

participation

3-yr surrender

Par: 60% · 1-yr

S&P 500 Index

participation

3-yr surrender

Fixed: 7.5% · 1-yr

Fixed Account

fixed

3-yr surrender

Cap: 7% · 1-yr

S&P 500 Index

cap

3-yr surrender

Cap: 7% · 1-yr

Russell 2000 Index

cap

3-yr surrender

Cap: 7% · 1-yr

Nasdaq-100 Index

cap

3-yr surrender

Cap: 4% · 1-yr

S&P 500 Index

monthly_avg_cap

3-yr surrender

Par: 75% · 2-yr

S&P 500 Index

participation

3-yr surrender

Par: 140% · 1-yr

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

Par: 70% · 1-yr

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

Par: 50% · 1-yr

S&P 500 Index

Fixed: 7.5% · 1-yr

Fixed Account

Cap: 7% · 1-yr

S&P 500 Index

Cap: 7% · 1-yr

Russell 2000 Index

Cap: 7% · 1-yr

Nasdaq-100 Index

Cap: 4% · 1-yr

S&P 500 Index

Par: 65% · 2-yr

S&P 500 Index

Income riders

Accumulation-focused — no income rider

This contract is designed for tax-deferred accumulation, not guaranteed lifetime income. No GLWB rider was returned because none is part of the contract design — compare against other accumulation FIAs on cap, participation rate, and surrender terms rather than lifetime income.

Linked review

Harbourview Fixed Indexed Annuity review notes

Oceanview Harbourview FIA offers tax-deferred growth with market index-linked earnings and principal protection, ideal for secure retirement savings.

4/5Read review
Nikhil Bhauwala

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.

Strategy guarantee

Minimum guaranteed cap: 1.00%

Strategy guarantee

Guaranteed minimum interest rate (fixed): 1.00%

Strategy guarantee

Minimum guaranteed participation: 10.00%

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

Yr 1

10%

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%

After

0%

Nursing home waiver, Terminal illness waiver, Surrender waivers

Documents

product guide

Harbourview-Oceanview-FIA-Client-Brochure-v1-2022-1.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

Harbourview Fixed Indexed Annuity currently shows 11 distinct indexed or fixed crediting choices across 18 current rate listings, including S&P 500 Index and S&P 500 Daily Risk Control 5% Excess Return (USD) Index, with 1 volatility-controlled index option grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, and renewal terms are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 4% cap
  • S&P 500 Index: 7% cap
  • S&P 500 Index: 60% participation

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
  • 10 surrender years
  • Nursing home waiver
  • Terminal illness waiver

Verification note

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

Carrier materials such as Harbourview-Oceanview-FIA-Client-Brochure-v1-2022-1.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

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