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Product Details
Harbourview 4
Company social profile:
Product Name
Harbourview 4
Annuity Type
MYGA
Issuing Insurance Company and Ratings
Oceanview Life and Annuity Company
Ratings
Product Information
The Oceanview Life and Annuity’s Harbourview 4 is a Single Premium Deferred Annuity with a 4 Year Interest Rate Guarantee and a 4 Year Surrender Charge Period.
Key Features
Premium Types: Single
Minimum Premium: 20,000
Maximum Premium: 1,000,000
Free Look Period: 20 Days
Rate Lock Period: 60 Days
Tax-Qualified: NonQual
Rates
Effective Date: 27/03/2026
Initial Guarantee Period: 4 years
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: $100,000+
Current
4 Year Guarantee Period Annual Yield:
$100,000 through $1,000,000%
Interest rate start of year 1 through end of year 4:
$100,000 through $1,000,000%
Accumulation Value (assuming no withdrawals)
Premium Amount: $50,000 - $99,999
Current
4 Year Guarantee Period Annual Yield:
$70,000 through $99,999%
Interest rate start of year 1 through end of year 4:
$70,000 through $99,999%
Accumulation Value (assuming no withdrawals)
Premium Amount: $25,000 - $99,999
Current
4 Year Guarantee Period Annual Yield:
$20,000 through $69,999%
Interest rate start of year 1 through end of year 4:
$20,000 through $69,999%
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
Not available in CA GU NY PR VI VT
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
