Harbourview Fixed Indexed Annuity
Oceanview Life
8.5%
Best Cap
10%
Free W/D
49
States
A fixed indexed annuity that protects your principal while letting you participate in stock market gains through indexed crediting strategies. Designed for retirees seeking safety, growth, and tax-deferred income without direct market risk.
Free Withdrawal
10%/yr
Available In
49 states
Min Premium
$20,000
Surrender
10 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| Nasdaq-100 Index | Annual | 8.5% | 100% | -- |
| Russell 2000 Index | Annual | 8.5% | 100% | -- |
| S&P 500 Daily Risk Control 10% USD Excess Return Index | Annual | -- | 70% | -- |
| S&P 500 Daily Risk Control 5% Excess Return (USD) Index | Annual | -- | 160% | -- |
| S&P 500 Index | 2-Year | -- | 65% | -- |
| S&P 500 Index | Annual | 8.5% | 100% | -- |
| S&P 500 Index | Monthly | 7% | 100% | -- |
| Fixed Account | Daily | -- | -- | 7.75% |
Key Features
Principal Protection
100% principal guaranteedContract value cannot decrease due to market volatility; interest floor is never less than 0%
Index-Linked Growth
9 crediting strategies availableEarn interest based on performance of market indices like the S&P 500, without being directly invested in stocks
Free Partial Withdrawals
10% annual access, $250 minimumAccess up to 10% of contract value each year penalty-free after the first 12 months
Flexible Crediting Strategies
Reallocate annually to different strategiesChoose from point-to-point with caps, participation rates, 2-year terms, monthly averaging, or fixed interest
Death Benefit
No MVA or surrender charges at deathFull contract value passes to beneficiaries free of surrender charges and market value adjustments
Nursing Home & Terminal Illness Riders
No additional cost for ridersWaive surrender charges and MVAs if confined to nursing home for 90+ days or diagnosed as terminally ill
Tax-Deferred Growth
Standard tax deferral for annuitiesInterest credits are not taxed annually; taxes deferred until withdrawal or annuitization
Settlement Options
Multiple payout choices at annuitizationChoose lifetime income, life with 10-year period certain, or joint survivor annuity payments
Highlights
Principal protection guaranteed—your money cannot lose value due to market downturns
Upside participation in market growth through multiple index-based crediting strategies
Tax-deferred growth with flexible access to funds (10% annually penalty-free after year one)
Reliable income options in retirement with no direct stock market risk
Multiple crediting strategies let you choose your growth approach based on market outlook
Surrender Schedule
Yr 1
9%
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
Best For
Retirees and near-retirees seeking principal protection, moderate growth potential, and predictable tax-deferred income without direct stock market exposure.
Consider Alternatives If
Investors who need frequent, large liquidity needs or who want maximum stock market upside; also unsuitable for those with short time horizons who cannot weather surrender charge periods.
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