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% Fixed
1-Year S&P 500 PTP Cap
Point to Point
Annual
7% Cap
1-Year S&P 500 PTP Participation Rate
Point to Point
Annual
35% Participation
1-Year S&P 500 PTP Monthly Average Cap
Point to Point
Annual
Monthly average
3.5% Cap
2-Year S&P 500 PTP Participation Rate
Point to Point
Biennial
42% Participation
1-Year Nasdaq-100 PTP Cap
Point to Point
Annual
7% Cap
1-Year Russell 2000 PTP Cap
Point to Point
Annual
7% Cap
2-Year CS Retiree Balanced PTP Participation Rate
Point to Point
Biennial
200% Participation
1-Year CS Retiree Balanced PTP Participation Rate
Point to Point
Annual
145% Participation

Surrender schedule

Year 1 2 3 4 5 6 7 8 9
Penalty 8% 8% 7% 6% 5% 4% 3% 2% 1%
Oceanview Life and Annuity Company
Founded: 1965
A.M. Best: A-
S&P: A-
Carrier details
Free withdrawal
1st year: 0%
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