Sky Harbourview Multi-Year Guaranteed Annuity
Oceanview Life
5.3%
Best Rate
10%
Free W/D
49
States
The Sky Harbourview MYGA is a fixed annuity that guarantees your principal and locks in an interest rate for your chosen guarantee period. It's designed for people who want predictable, tax-deferred retirement savings without market risk.
Free Withdrawal
10%/yr
Available In
49 states
Min Premium
$20,000
Surrender
10 years
Guaranteed Rates by Term
| Term | Guaranteed Rate |
|---|---|
| 3-Year | 4.65% |
| 5-Year | 4.75% |
| 7-Year | 4.95% |
| 10-Year | 5.3% |
Key Features
Principal Protection
Your initial investment is guaranteed and protected from market losses
Guaranteed Interest Rates
Minimum 1% guaranteedInterest rate is locked in at issue and guaranteed for the entire guarantee period you select
Guarantee Period Options
3, 5, 7, or 10 yearsChoose how long you want your rate guaranteed
Free Partial Withdrawals
10% annually, minimum $250After the first 12 months, you can withdraw up to 10% of your account value each year without surrender charges
Tax-Deferred Earnings
Your interest earnings grow without annual tax reporting until you withdraw
Lifetime Income Options
Life Only; Life with 10-Year Period Certain; Joint and Last Survivor optionsYou can annuitize your contract to receive guaranteed income for life
Minimum Premium
$20,000Available for both qualified retirement accounts and non-qualified savings
Issue Age
3-5 year: up to age 89+364 days; 7-10 year: up to age 84+364 daysAge limits vary by guarantee period selected
Highlights
Your principal is protected — you won't lose money due to market fluctuations
Guaranteed interest rates locked in for 3, 5, 7, or 10 years give you predictable growth
Tax-deferred earnings mean your money grows without annual tax bills
Access up to 10% of your account value annually without penalties after the first year
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 who want guaranteed, predictable growth and principal protection without taking market risk.
Consider Alternatives If
People who need frequent access to their money or expect to need it within 3-10 years, as surrender charges will apply to excess withdrawals.
Carrier Ratings
Free Comparison Report
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