Fixed index annuity review and rates
Harbourview 10 (CA Only)
The Harbourview Fixed Indexed Annuity (FIA) Series is offered to individuals seeking both asset protection against market volatility and asset growth from potential market gains.
Available in states:
CA
Allocation Accounts
| Name | Type | Rates |
|---|---|---|
| 1-Year Fixed Account |
Fixed
|
6.15%
Fixed
|
| 1-Year S&P 500 PTP Cap |
Point to Point
Annual
|
11%
Cap
|
| 1-Year S&P 500 PTP Participation Rate |
Point to Point
Annual
|
30%
Participation
|
| 1-Year S&P 500 PTP Monthly Average Cap |
Point to Point
Annual
Monthly average
|
8%
Cap
|
| 2-Year S&P 500 PTP Participation Rate |
Point to Point
Biennial
|
32%
Participation
|
| 1-Year Nasdaq-100 PTP Cap |
Point to Point
Annual
|
11%
Cap
|
| 1-Year Russell 2000 PTP Cap |
Point to Point
Annual
|
11%
Cap
|
| 2-Year CS Retiree Balanced PTP Participation Rate |
Point to Point
Biennial
|
300%
Participation
|
| 1-Year CS Retiree Balanced PTP Participation Rate |
Point to Point
Annual
|
225%
Participation
|
Surrender schedule
| Year | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 |
|---|---|---|---|---|---|---|---|---|---|
| Penalty | 8% | 8% | 7% | 6% | 5% | 4% | 3% | 2% | 1% |
Brochure
Free withdrawal
1st year: 0%
2nd+ year: 10%
2nd+ year: 10%
Surrender schedule
9 years
Return of premium
Market value adjustment
Minimum contribution
$20,000
Types of funds
Non-Qualified, 401k, Profit Sharing, IRA, Pension, IRA Rollover, TSA 403b, SEP IRA, IRA-Roth, 1035 Exchange, Inherited IRA, and TSP