Harbourview Fixed Indexed Annuity vs Allianz 222

Side-by-side comparison with live CANNEX rate data

Oceanview Life and Annuity Company

Harbourview Fixed Indexed Annuity

Protected Growth. Market Upside. Guaranteed Peace of Mind.

Cap Rate

8.5%

Participation

70%

Fixed Rate

7.75%

Free W/D

10%

A.M. BestA

Strategies (8)

Nasdaq-100 Index8.5% cap
Russell 2000 Index8.5% cap
S&P 500 Daily Risk Control 10% USD Excess Return Index70% part
S&P 500 Daily Risk Control 5% Excess Return (USD) Index160% part
S&P 500 Index65% part

Surrender (10 yrs)

Y1 9%Y2 9%Y3 8%Y4 7%Y5 6%Y6 5%Y7 4%Y8 3%Y9 2%Y10 1%

Waivers

Nursing home waiverTerminal illness waiver
States49
Min Premium$20,000
Issue Age0–89

Best For

Retirees and near-retirees seeking principal protection, moderate growth potential, and predictable tax-deferred income without direct stock market exposure.

Allianz Life Insurance Company of North America

Allianz 222

Fixed index annuity with bonuses and guaranteed lifetime income potential

Cap Rate

4.5%

Participation

100%

Fixed Rate

2.8%

Free W/D

10%

A.M. BestA+
Moody'sAa3
Standard & Poor'sAA

Strategies (9)

BlackRock iBLD Claria II Excess Return Index100% part
Bloomberg US Dynamic Balance II ER Index85% part
PIMCO Tactical Balanced ER Index105% part
S&P 500 Futures Daily Risk Control 5% Index Excess Return145% part
S&P 500 Index4.5% cap

Surrender (10 yrs)

Y1 10%Y2 10%Y3 10%Y4 8.75%Y5 7.5%Y6 6.25%Y7 5%Y8 3.75%Y9 2.5%Y10 1.25%

Waivers

Nursing home waiver
States1
Min Premium$20,000
Issue Age0–80

Best For

Retirement savers who want principal protection with growth potential and guaranteed lifetime income, especially those not needing immediate income.

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