Harbourview Multi-Year Guaranteed Annuity
Oceanview Life
5.35%
Best Rate
10%
Free W/D
49
States
The Harbourview Multi-Year Guaranteed Annuity is a fixed annuity that protects your principal while earning a guaranteed interest rate, allowing your assets to grow tax-deferred over a set period. It's designed for retirees and those near retirement who want predictable income without market volatility.
Free Withdrawal
10%/yr
Available In
49 states
Min Premium
$20,000
Surrender
10 years
Guaranteed Rates by Term
| Term | Guaranteed Rate |
|---|---|
| 2-Year | 4.6% |
| 3-Year | 4.8% |
| 4-Year | 5% |
| 5-Year | 4.9% |
| 6-Year | 5.15% |
| 7-Year | 5.1% |
| 10-Year | 5.35% |
Key Features
Guaranteed Interest Rates
3, 5, 7, or 10-year guarantee periodsYour interest rate is locked in and guaranteed for your chosen term, protecting you from market fluctuations
Principal Protection
100% principal guaranteeYour initial investment is protected; you cannot lose principal due to market downturns
Tax-Deferred Growth
No annual tax drag on growthEarnings compound without annual tax reporting, allowing faster accumulation
Free Withdrawal Option
10% free annually after year 1Access up to 10% of your contract value annually without surrender charges (minimum $250)
Minimum Premium
$20,000 minimumLow entry point for qualified and non-qualified accounts
Lifetime Income Options
Available upon contract annuitizationConvert your annuity into guaranteed lifetime income payments in retirement
Issue Age Range
Ages 0-89Accessible to customers across a wide age spectrum
Highlights
Fixed interest rates guaranteed for 3, 5, 7, or 10 years with no market risk to your principal
Tax-deferred growth allows your money to compound without annual tax burden
10% annual free withdrawal option provides liquidity without surrender charges
Backed by Oceanview Life and Annuity with A- (Excellent) financial strength rating and professional asset management
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%
Best For
Retirees and near-retirees who want to protect assets from market volatility, ensure predictable income, and benefit from tax-deferred growth without the risk of principal loss.
Consider Alternatives If
Investors who need frequent access to their full account value, require high liquidity, or seek growth potential exceeding fixed interest rates should avoid this product due to surrender charges on excess withdrawals.
Carrier Ratings
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