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 Harbourview Fixed Indexed Annuity would do for you
Set your numbers and switch between growth strategies and liquidity scenarios. Negative index performance does not produce a negative index credit. Fees, withdrawals and surrender charges can reduce contract value.
Product analyzer
Illustrative — live CANNEX rates as of October 2, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$276,697
Est. value at age 80 (Harbourview Fixed Indexed Annuity)
8.5%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 7% Cap (Annual)
✦
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 Harbourview Fixed Indexed Annuity's published cap rate (7% on S&P 500 Index) to a standard benchmark hypothetical index path (~5.4%/yr average, including down years) with a 0% floor over 20 years. Not a projection, quote, or guarantee. Live CANNEX rates as of October 2, 2026.
Free Comparison Report
Get a Harbourview Fixed Indexed Annuity rate report
See how Harbourview Fixed Indexed Annuity compares for your age, state, premium, and income goals alongside other Oceanview fixed indexed annuity options.
rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Oceanview product.
Live product data
Rates as of October 2, 2026, from AdvisorWorld and CANNEX.
S&P 500 annual point-to-point cap rate
8.5% 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 term10-year surrenderDoes not vary by premiumAdvisorWorld + 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 options
3, 5, 7, and 10 years
Free withdrawal
10%/yr
Availability
48 jurisdictions (excl. New York, North Carolina, Vermont)
Featured crediting strategies
Caps, participation rates, and declared rates are shown separately.
Index / strategyRate mechanicsCreditingSurrenderPremium
S&P 500
S&P 500 Index
monthly avg cap
7% cap rate
Rate effective Oct 2, 2026
Monthly cap
Requested state: TX
1-year term · 10-year surrender · Does not vary by premium
1-year term
10-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
8.5% cap rate
Rate effective Oct 2, 2026
Annual point-to-point
Requested state: TX
1-year term · 10-year surrender · Does not vary by premium
1-year term
10-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
monthly avg cap
6% cap rate
Rate effective Oct 2, 2026
Monthly cap
Requested state: TX
1-year term · 7-year surrender · Does not vary by premium
1-year term
7-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
8.5% cap rate
Rate effective Oct 2, 2026
Annual point-to-point
Requested state: TX
1-year term · 7-year surrender · Does not vary by premium
1-year term
7-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
monthly avg cap
5% cap rate
Rate effective Oct 2, 2026
Monthly cap
Requested state: TX
1-year term · 5-year surrender · Does not vary by premium
1-year term
5-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
8.4% cap rate
Rate effective Oct 2, 2026
Annual point-to-point
Requested state: TX
1-year term · 5-year surrender · Does not vary by premium
1-year term
5-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
monthly avg cap
4% cap rate
Rate effective Oct 2, 2026
Monthly cap
Requested state: TX
1-year term · 3-year surrender · Does not vary by premium
1-year term
3-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
7% cap rate
Rate effective Oct 2, 2026
Annual point-to-point
Requested state: TX
1-year term · 3-year surrender · Does not vary by premium
1-year term
3-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
65% participation rate
Rate effective Oct 2, 2026
Annual point-to-point
Requested state: TX
1-year term · 10-year surrender · Does not vary by premium
1-year term
10-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
65% participation rate
Rate effective Oct 2, 2026
Annual point-to-point
Requested state: TX
1-year term · 7-year surrender · Does not vary by premium
1-year term
7-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
65% participation rate
Rate effective Oct 2, 2026
Annual point-to-point
Requested state: TX
1-year term · 5-year surrender · Does not vary by premium
1-year term
5-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
60% participation rate
Rate effective Oct 2, 2026
Annual point-to-point
Requested state: TX
1-year term · 3-year surrender · Does not vary by premium
1-year term
3-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
75% participation rate
Rate effective Oct 2, 2026
2-year point-to-point
Requested state: TX
2-year term · 10-year surrender · Does not vary by premium
2-year term
10-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
70% participation rate
Rate effective Oct 2, 2026
2-year point-to-point
Requested state: TX
2-year term · 7-year surrender · Does not vary by premium
2-year term
7-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
75% participation rate
Rate effective Oct 2, 2026
2-year point-to-point
Requested state: TX
2-year term · 5-year surrender · Does not vary by premium
2-year term
5-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
75% participation rate
Rate effective Oct 2, 2026
2-year point-to-point
Requested state: TX
2-year term · 3-year surrender · Does not vary by premium
2-year term
3-year surrender
Does not vary by premium
Nasdaq-100
Nasdaq-100 Index
8.5% cap rate
Rate effective Oct 2, 2026
Annual point-to-point
Requested state: TX
1-year term · 10-year surrender · Does not vary by premium
1-year term
10-year surrender
Does not vary by premium
Nasdaq-100
Nasdaq-100 Index
8.5% cap rate
Rate effective Oct 2, 2026
Annual point-to-point
Requested state: TX
1-year term · 7-year surrender · Does not vary by premium
1-year term
7-year surrender
Does not vary by premium
Nasdaq-100
Nasdaq-100 Index
8.4% cap rate
Rate effective Oct 2, 2026
Annual point-to-point
Requested state: TX
1-year term · 5-year surrender · Does not vary by premium
1-year term
5-year surrender
Does not vary by premium
Nasdaq-100
Nasdaq-100 Index
7% cap rate
Rate effective Oct 2, 2026
Annual point-to-point
Requested state: TX
1-year term · 3-year surrender · Does not vary by premium
1-year term
3-year surrender
Does not vary by premium
Fixed Account
Fixed Account
9.05% declared rate
Rate effective Oct 2, 2026
Fixed account
Requested state: TX
1-year term · 10-year surrender · Does not vary by premium
1-year term
10-year surrender
Does not vary by premium
Fixed Account
Fixed Account
8.6% declared rate
Rate effective Oct 2, 2026
Fixed account
Requested state: TX
1-year term · 7-year surrender · Does not vary by premium
1-year term
7-year surrender
Does not vary by premium
Fixed Account
Fixed Account
7.25% declared rate
Rate effective Oct 2, 2026
Fixed account
Requested state: TX
1-year term · 5-year surrender · Does not vary by premium
1-year term
5-year surrender
Does not vary by premium
Fixed Account
Fixed Account
7.75% declared rate
Rate effective Oct 2, 2026
Fixed account
Requested state: TX
1-year term · 3-year surrender · Does not vary by premium
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 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 or Vermont per the live feed — the contract 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.
Free Comparison Report
Get a Harbourview Fixed Indexed Annuity rate report
See how Harbourview Fixed Indexed Annuity compares for your age, state, premium, and income goals alongside other Oceanview fixed indexed annuity options.
These listings show published strategy details and any available rates. Use the filters to narrow by index, term, premium band, or rate type.
Par: 60% · 1-yr
S&P 500 Index
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective Oct 2, 20263-yr surrenderDoes not vary by premium
Par: 60% · 1-yr
S&P 500 Index
Point-to-point
Requested state: TX3-yr surrenderDoes not vary by premium
Fixed: 7.75% · 1-yr
Fixed Account
Fixed account · 0% annual strategy fee
Requested state: TXRate effective Oct 2, 20263-yr surrenderDoes not vary by premium
Fixed: 7.75% · 1-yr
Fixed Account
Fixed account
Requested state: TX3-yr surrenderDoes not vary by premium
Cap: 7% · 1-yr
S&P 500 Index
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective Oct 2, 20263-yr surrenderDoes not vary by premium
Cap: 7% · 1-yr
Russell 2000 Index
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective Oct 2, 20263-yr surrenderDoes not vary by premium
Cap: 7% · 1-yr
Nasdaq-100 Index
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective Oct 2, 20263-yr surrenderDoes not vary by premium
Cap: 7% · 1-yr
MSCI World Index
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective Oct 2, 20263-yr surrenderDoes not vary by premium
Cap: 7% · 1-yr
S&P 500 Index
Point-to-point
Requested state: TX3-yr surrenderDoes not vary by premium
Cap: 7% · 1-yr
Russell 2000 Index
Point-to-point
Requested state: TX3-yr surrenderDoes not vary by premium
Cap: 7% · 1-yr
Nasdaq-100 Index
Point-to-point
Requested state: TX3-yr surrenderDoes not vary by premium
Cap: 7% · 1-yr
MSCI World Index
Point-to-point
Requested state: TX3-yr surrenderDoes not vary by premium
Cap: 4% · 1-yr
S&P 500 Index
monthly_avg_cap · 0% annual strategy fee
Requested state: TXRate effective Oct 2, 20263-yr surrenderDoes not vary by premium
Cap: 4% · 1-yr
S&P 500 Index
monthly_avg_cap
Requested state: TX3-yr surrenderDoes not vary by premium
Par: 140% · 1-yr
S&P 500 Daily Risk Control 5% Excess Return (USD) Index
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective Oct 2, 20265-yr surrenderDoes not vary by premium
Par: 140% · 1-yr
S&P 500 Daily Risk Control 5% Excess Return (USD) Index
Point-to-point
Requested state: TX5-yr surrenderDoes not vary by premium
Par: 70% · 1-yr
S&P 500 Daily Risk Control 10% USD Excess Return Index
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective Oct 2, 20265-yr surrenderDoes not vary by premium
Par: 70% · 1-yr
S&P 500 Daily Risk Control 10% USD Excess Return Index
Point-to-point
Requested state: TX5-yr surrenderDoes not vary by premium
Cap: 8.4% · 1-yr
S&P 500 Index
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective Oct 2, 20265-yr surrenderDoes not vary by premium
Cap: 8.4% · 1-yr
Russell 2000 Index
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective Oct 2, 20265-yr surrenderDoes not vary by premium
Cap: 8.4% · 1-yr
Nasdaq-100 Index
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective Oct 2, 20265-yr surrenderDoes not vary by premium
Cap: 8.4% · 1-yr
MSCI World Index
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective Oct 2, 20265-yr surrenderDoes not vary by premium
Cap: 8.4% · 1-yr
S&P 500 Index
Point-to-point
Requested state: TX5-yr surrenderDoes not vary by premium
Cap: 8.4% · 1-yr
Russell 2000 Index
Point-to-point
Requested state: TX5-yr surrenderDoes not vary by premium
Cap: 8.4% · 1-yr
Nasdaq-100 Index
Point-to-point
Requested state: TX5-yr surrenderDoes not vary by premium
Cap: 8.4% · 1-yr
MSCI World Index
Point-to-point
Requested state: TX5-yr surrenderDoes not vary by premium
Fixed: 7.25% · 1-yr
Fixed Account
Fixed account · 0% annual strategy fee
Requested state: TXRate effective Oct 2, 20265-yr surrenderDoes not vary by premium
Fixed: 7.25% · 1-yr
Fixed Account
Fixed account
Requested state: TX5-yr surrenderDoes not vary by premium
Cap: 5% · 1-yr
S&P 500 Index
monthly_avg_cap · 0% annual strategy fee
Requested state: TXRate effective Oct 2, 20265-yr surrenderDoes not vary by premium
Cap: 5% · 1-yr
S&P 500 Index
monthly_avg_cap
Requested state: TX5-yr surrenderDoes not vary by premium
Par: 160% · 1-yr
S&P 500 Daily Risk Control 5% Excess Return (USD) Index
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective Oct 2, 20267-yr surrenderDoes not vary by premium
Par: 160% · 1-yr
S&P 500 Daily Risk Control 5% Excess Return (USD) Index
Point-to-point
Requested state: TX7-yr surrenderDoes not vary by premium
Par: 80% · 1-yr
S&P 500 Daily Risk Control 10% USD Excess Return Index
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective Oct 2, 20267-yr surrenderDoes not vary by premium
Par: 80% · 1-yr
S&P 500 Daily Risk Control 10% USD Excess Return Index
Point-to-point
Requested state: TX7-yr surrenderDoes not vary by premium
Fixed: 8.6% · 1-yr
Fixed Account
Fixed account · 0% annual strategy fee
Requested state: TXRate effective Oct 2, 20267-yr surrenderDoes not vary by premium
Fixed: 8.6% · 1-yr
Fixed Account
Fixed account
Requested state: TX7-yr surrenderDoes not vary by premium
Cap: 6% · 1-yr
S&P 500 Index
monthly_avg_cap · 0% annual strategy fee
Requested state: TXRate effective Oct 2, 20267-yr surrenderDoes not vary by premium
Cap: 6% · 1-yr
S&P 500 Index
monthly_avg_cap
Requested state: TX7-yr surrenderDoes not vary by premium
Par: 70% · 2-yr
S&P 500 Index
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective Oct 2, 20267-yr surrenderDoes not vary by premium
Par: 70% · 2-yr
S&P 500 Index
Point-to-point
Requested state: TX7-yr surrenderDoes not vary by premium
Par: 180% · 1-yr
S&P 500 Daily Risk Control 5% Excess Return (USD) Index
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective Oct 2, 202610-yr surrenderDoes not vary by premium
Par: 180% · 1-yr
S&P 500 Daily Risk Control 5% Excess Return (USD) Index
Point-to-point
Requested state: TX10-yr surrenderDoes not vary by premium
Par: 90% · 1-yr
S&P 500 Daily Risk Control 10% USD Excess Return Index
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective Oct 2, 202610-yr surrenderDoes not vary by premium
Par: 90% · 1-yr
S&P 500 Daily Risk Control 10% USD Excess Return Index
Point-to-point
Requested state: TX10-yr surrenderDoes not vary by premium
Par: 65% · 1-yr
S&P 500 Index
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective Oct 2, 202610-yr surrenderDoes not vary by premium
Par: 65% · 1-yr
S&P 500 Index
Point-to-point
Requested state: TX10-yr surrenderDoes not vary by premium
Fixed: 9.05% · 1-yr
Fixed Account
Fixed account · 0% annual strategy fee
Requested state: TXRate effective Oct 2, 202610-yr surrenderDoes not vary by premium
Fixed: 9.05% · 1-yr
Fixed Account
Fixed account
Requested state: TX10-yr surrenderDoes not vary by premium
Cap: 8.5% · 1-yr
S&P 500 Index
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective Oct 2, 202610-yr surrenderDoes not vary by premium
Cap: 8.5% · 1-yr
Russell 2000 Index
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective Oct 2, 202610-yr surrenderDoes not vary by premium
Cap: 8.5% · 1-yr
Nasdaq-100 Index
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective Oct 2, 202610-yr surrenderDoes not vary by premium
Cap: 8.5% · 1-yr
MSCI World Index
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective Oct 2, 202610-yr surrenderDoes not vary by premium
Cap: 8.5% · 1-yr
S&P 500 Index
Point-to-point
Requested state: TX10-yr surrenderDoes not vary by premium
Cap: 8.5% · 1-yr
Russell 2000 Index
Point-to-point
Requested state: TX10-yr surrenderDoes not vary by premium
Cap: 8.5% · 1-yr
Nasdaq-100 Index
Point-to-point
Requested state: TX10-yr surrenderDoes not vary by premium
Cap: 8.5% · 1-yr
MSCI World Index
Point-to-point
Requested state: TX10-yr surrenderDoes not vary by premium
Cap: 7% · 1-yr
S&P 500 Index
monthly_avg_cap · 0% annual strategy fee
Requested state: TXRate effective Oct 2, 202610-yr surrenderDoes not vary by premium
Cap: 7% · 1-yr
S&P 500 Index
monthly_avg_cap
Requested state: TX10-yr surrenderDoes not vary by premium
Par: 75% · 2-yr
S&P 500 Index
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective Oct 2, 202610-yr surrenderDoes not vary by premium
Par: 75% · 2-yr
S&P 500 Index
Point-to-point
Requested state: TX10-yr surrenderDoes not vary by premium
Accumulation profile
Accumulation-focused contract
The 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.
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.
Common questions about Harbourview Fixed Indexed Annuity
● Can I lose money in Harbourview Fixed Indexed Annuity?
A negative index return by itself does not reduce the contract's account value: Harbourview Fixed Indexed Annuity credits 0% — the floor — for that indexed period. The account value can still decrease from withdrawals, surrender charges, 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 Harbourview Fixed Indexed Annuity's crediting strategies compare?
Use "Compare against" in the analyzer to overlay another available Harbourview 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
Joint life, Single life
Published payout options from the normalized contract facts.
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.
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 60 indexed or fixed crediting options, including S&P 500 Index, with 24 volatility-controlled index options 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.
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 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
Free Comparison Report
Get a Harbourview Fixed Indexed Annuity rate report
See how Harbourview Fixed Indexed Annuity compares for your age, state, premium, and income goals alongside other Oceanview fixed indexed annuity options.
Cite this page for its methodology or interpretation. Current figures may refresh, so this canonical page URL is not a frozen data citation. To quote a market statistic, use the citation showing its observed as-of date and immutable JSON verification URL published by the Annuity Rate Statistics hub. Bulk product-level CANNEX records are not licensed for redistribution.