A.M. Best A rated · 4 products

Oceanview Life Annuities — A Rated

Oceanview Life is an A.M. Best A-rated annuity carrier. The current lineup includes 4 fixed indexed and multi-year guaranteed annuity products. Below: current annuity rates, financial-strength ratings, product reviews when available, and the full lineup.

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Current rating

A.M. Best

Annuity products

4 products across FIA and MYGA families

Reviewed

June 9, 2026

Product lineup reviewed against current rates.

Lineup Snapshot

Available annuity families and product-type context.

Product pages: 2 FIA product pages, 2 MYGA product pages
Product families: CapLock Fixed Indexed Annuity, Harbourview Fixed Indexed Annuity, Harbourview Multi Year Guaranteed Annuity, Sky Harbourview Multi Year Guaranteed Annuity
Product types: FIA, MYGA

Financial Strength

A.M. Best A

Financial-strength ratings reflect an insurer's claims-paying ability, not the performance of any annuity contract.

Product Highlights

Current Annuity Highlights

Loading current rates, rider rows, index choices, and contract terms.

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Carrier Profile

About Oceanview Life

Oceanview Life and Annuity Company is a U.S.-based insurance company that specializes in offering competitive fixed annuity products, including the Harbourview Multi-Year Guaranteed Annuity. Backed by the investment experience of its asset management partner, Bayview Asset Management, Oceanview provides clients with retirement solutions focused on principal protection, guaranteed returns, and tax-deferred growth. As of November 2020, Bayview oversaw approximately $16 billion in assets under management. Oceanview Life and Annuity operates nationally (except where limited by state availability) and conducts business in California under the name Oceanview Life and Annuity Insurance Company.

Financial Strength In Plain English

An “A- (Excellent)” rating by A.M. Best is the fourth highest of 16 possible ratings. It indicates that the insurer has an excellent ability to meet its ongoing insurance obligations. A company with this rating is considered to have a strong financial foundation, prudent risk controls, and a solid reputation for honoring contractual guarantees. The “positive outlook” attached to the rating further suggests that A.M. Best believes the company’s financial strength and overall performance may improve over time, assuming favorable business trends continue.

ARHQ Notes

From Our Coverage

First-party review context and product-page notes, kept separate from current rate tables.

Product Highlights

Short notes from product pages.

FIAAccumulationA00342

CapLock Fixed Indexed Annuity

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.

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MYGASafetyA001CT

Harbourview Multi Year Guaranteed Annuity

A multi-year guaranteed annuity from an A-rated Oceanview Life carrier, offering a menu of guarantee terms from short to long on a single chassis with an annual free-withdrawal allowance.

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FIAAccumulationA001D4

Harbourview Fixed Indexed Annuity

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.

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Features

Index options, riders, and term choices pulled into one quick scan.