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Product Details
Harbourview FIA 3 CA
Company social profile:
Product Name
Harbourview FIA 3 CA
Annuity Type
FIA
Issuing Insurance Company and Ratings
Oceanview Life and Annuity Company
Ratings
Product Information
The Harbourview FIA 3 CA as a Single Premium Fixed Indexed Annuity with a 3 Year Surrender Charge period and a Market Value Adjustment. The Harbourview FIA 3 CA provides advantages such as tax deferral, long-term growth, and a death benefit payout with the added benefit of enhanced growth with no risk of loss of premium due to market fluctuations.
Key Features
Premium Types: Single
Minimum Premium: 20,000
Maximum Premium: 1,000,000
Free Look Period: 20 Days
Rate Lock Period: N/A
Tax-Qualified: IRA, NonQual
Rates
Effective Date: 13/03/2026
Initial Guarantee Period: N/A
Next Change: 04/06/2026
Premium Amount: $100,000 - See Notes (High-Band)
3 Year Guarantee Period Annual Yield:
Interest rate start of year 1 through end of year 3:
Current
4.05%
4.05%
Premium Amount: 20,000 - 1,000,000
Current
0 Year Guarantee Period Annual Yield:
7%
Interest rate start of year 1 through end of year 0:
7%
Accumulation Value (assuming no withdrawals)
Accumulation Value (assuming no withdrawals)
Deposit Amount: $
Premium Amount: $100,000 - See Notes (Low-Band)
Flexible Premiums Not Accepted
Interest rate start of year 1 through end of year 3:
Current
4.05%
4.05%
Accumulation Value (assuming no withdrawals)
Deposit Amount: $
State Approvals
Only available in CA
Withdrawal Provisions
First Year Withdrawals: No
Withdrawal Years 2+: 10%
Wait Period Interest Only : 1 Year
Withdraw from the accumulation Value After : One Year
Minimum Policy Value : $2,000
Withdrawl Calculated On: Accumulation
Date For Calculation: Issue
Systematic Withdrawl: Yes
Min Withdrawl Amount: $250
Cumulative Free Withdrawl: No
Eligibility & Restrictions
Age Limits(Owner and Annuitant): 89
Premium Limits: Flexible Premiums Not Accepted
State Restrictions: Oceanview has ceased sales of all Non-Qualified contracts in Colorado
