Harbourview Multi-Year Guaranteed Annuity
Oceanview Life
Best available rate
5.8%
10-yr guarantee · 10-yr surrender schedule · $100,000+ premium
Up to 5.8% depending on guarantee term and premium band.
View all rates and terms ↓10%
Free W/D
49
Available jurisdictions
Rates as of August 6, 2026. CANNEX via AdvisorWorld; confirm rates and state availability before purchase.
Product analyzer
Run numbers for Harbourview Multi-Year Guaranteed Annuity
guaranteed rates, terms, state availability, surrender details, and contract facts stay scoped to this Oceanview Life product.
Live product data
Rates as of August 6, 2026, from AdvisorWorld and CANNEX.
Guaranteed rate for the lead term
5.8% guaranteed for 10 years
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.
Best fit
Conservative buyers who want a contractually guaranteed fixed rate for a precise term length, value the flexibility to choose a guarantee term that matches their horizon inside one filing, and are comfortable with the full surrender ladder in exchange for the rate.
Available guarantee terms
5, 6, 7, and 10 years
AM Best
A Excellent
Available surrender terms
5, 6, 7, and 10 years
Free withdrawal
10%/yr
Availability
49 jurisdictions (excl. New York, Vermont)
Product analyst notes
How to think about this contract
Why it can stand out
- Term menu spans multiple guarantee periods on the same chassis — a 2-year option sits alongside the standard 3, 5, 7, and 10-year terms — so a buyer can size the guarantee period against their liquidity horizon instead of being forced into a single bucket.
- An annual free-withdrawal allowance is available throughout the surrender term, giving real penalty-free liquidity for required minimum distributions or unplanned cash needs — exact percentage shown on this page.
- The surrender ladder is fully visible on the contract — the schedule of penalties for early exit is on this page, not gated behind a sales brochure, so the cost of early exit is predictable and disclosed up front.
What to confirm
- The full surrender term runs the full ladder even when the buyer selects a shorter guarantee period — buyers who pick a shorter guarantee rate are still locked under the same surrender ladder unless they take the full free-withdrawal each year. Confirm the surrender-vs-guarantee-term interaction with the carrier before assuming a short-term rate equals a short-term commitment.
- Early-year surrender charges sit on the high end of the MYGA market and stay elevated through the first two years before stepping down — exit costs in the first two years are punitive relative to other MYGA filings.
- No nursing-home or terminal-illness surrender-charge waiver is listed on this contract per the live feed. Buyers planning around long-term-care contingencies should compare alongside the sister Sky Harbourview MYGA filing, which does carry those waivers.
- 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 contractual surrender-charge waivers for nursing-home or terminal-illness events, want a surrender ladder shorter than the full schedule even when picking a shorter guarantee term, or expect index-linked upside — a MYGA contains none of those. Also not available to residents of New York or Vermont per the live feed.
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Guaranteed Rates by Term
| Term | Surrender term | $20,000–$69,999Premium | $70,000–$99,999Premium | $100,000+Premium |
|---|---|---|---|---|
| 5-Year | 5-Year schedule | 5.05%Rate convention not stated | 5.4%Rate convention not stated | 5.4%Rate convention not stated |
| 6-Year | 6-Year schedule | 5.4%Rate convention not stated | 5.75%Rate convention not stated | 5.75%Rate convention not stated |
| 7-Year | 7-Year schedule | 5.15%Rate convention not stated | 5.5%Rate convention not stated | 5.5%Rate convention not stated |
| 10-Year | 10-Year schedule | 5.45%Rate convention not stated | 5.8%Rate convention not stated | 5.8%Rate convention not stated |
Showing one representative CANNEX rate set with the broadest available term range. State- or rider-specific versions require a personalized quote before purchase.
Key Features
Free withdrawal
10%/yrAnnual amount that may be available without surrender charges, subject to contract terms.
Death benefit
Standard Death BeneftBeneficiary value depends on contract terms, withdrawals, and rider elections.
Annuitization options
Single and jointContract conversion options should be confirmed before purchase.
Fund types
Non-qualified, QualifiedAvailability can vary by state and product terms.
Surrender Schedule
10-Year Version
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
100%
After
0%
Carrier Ratings
Free Comparison Report
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See how Harbourview Multi-Year Guaranteed Annuity compares for your age, state, premium, and income goals alongside other Oceanview Life MYGA options.