Simulation & Edit Mode
Active Product: Oceanview Life – Harbourview (2-, 3-, 4-, 5-, 6-, 7-, and 10-year terms)
Oceanview Life – Harbourview (2-, 3-, 4-, 5-, 6-, 7-, and 10-year terms)
About this product
The Oceanview Life Harbourview MYGA is a single-premium Multi-Year Guaranteed Annuity (MYGA) designed for conservative accumulation, providing fixed, guaranteed interest for the full duration of the selected guarantee period (2, 3, 4, 5, 6, 7, or 10 years). It offers principal protection, tax-deferred growth on most contracts, and straightforward access features after the first contract year, making it a simple option for clients seeking stable, guaranteed growth without direct market exposure.
Important Disclaimer
The results displayed here are for simulation purposes only and do not represent financial advice or real-world values. Please consult a qualified financial professional before making any investment decisions.
Available Rates
| 2 Years | 4.95% |
| 3 Years | 4.95% |
| 4 Years | 5.10% |
| 5 Years | 4.75% |
| 6 Years | 5.25% |
| 7 Years | 5.00% |
| 10 Years | 5.35% |
Available Guarantee Periods
Rates based on investment amount $100,000.00
| $20,000.00 - $69,000.00 | 4.60% |
| $70,000.00 - $99,999.00 | 4.95% |
| $100,000.00 - $1,000,000.00 | 4.95% |
Features
| Maximum Issue Age | 89 years |
Growth Projection
How your money grows
Based on your issue age (55) and target payout age (65), the following guarantee period will be applied:
| Guarantee Period | 10 years |
| Rate | 5.35% |
| Age | 55 - 65 |
Summary
| Total years to payout | 30 |
| Total guarantee periods applied | 3 |
Lifetime Income Details
Payout Options
Additional Options
Actual payout options may vary by insurance carrier and specific products. Common alternatives include:
Life Income Only
Payments for the rest of your life, stopping upon death
Period Certain
Guaranteed payments for a specific time period (5, 10, 15, or 20 years)
Life with Period Certain
Lifetime payments with a minimum guaranteed period
Joint Life
Payments continue for both you and your spouse's lifetimes
Systematic Withdrawal
Regular withdrawals of a specified amount or percentage