Oceanview Harbourview – Index Growth and 100% Downside Protection
At Diversified Insurance Brokers, we specialize in helping individuals secure customized annuity solutions designed for guaranteed growth, market participation, and long-term financial security. The Oceanview Harbourview Fixed Indexed Annuity, issued by Oceanview Life and Annuity Company, delivers an appealing blend of upside potential and 100% principal protection, making it a powerful option for those looking to retire with confidence.
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Index Performance Without Market Losses
With the Harbourview annuity, your contract value can grow based on the performance of multiple well-known indices, including:
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S&P 500®
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Nasdaq-100®
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Russell 2000®
This allows you to benefit from diversified market exposure while knowing your principal is fully protected from downturns.
Liquidity When You Need It
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10% penalty-free withdrawals are available annually after year one
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Nursing home and terminal illness waivers allow access to funds in qualifying health events
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A guaranteed death benefit ensures your beneficiaries receive the full contract value
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Flexible Income for Retirement
The Harbourview annuity provides built-in options to convert your annuity into a guaranteed stream of income for life. This can be especially valuable for:
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Replacing a pension or supplementing Social Security
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Creating income certainty in retirement
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Protecting against longevity risk with structured payouts
Who Is This a Good Fit For?
This annuity is ideal for individuals who want to:
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Grow their money safely without market risk
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Roll over an IRA, 401(k), or other retirement accounts into a guaranteed income strategy
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Keep full access to liquidity and avoid unnecessary fees
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Provide predictable outcomes and leave a legacy for loved ones
Whether you’re nearing retirement or already there, the Harbourview offers strong protection, growth, and flexibility.
Backed by a Trusted Carrier
Oceanview Life and Annuity Company is known for its financial strength and commitment to policyholder security, giving clients confidence in their long-term planning.
Talk to an Advisor or Request Your Annuity Quote
Ready to explore this annuity in more detail—or compare it with other carriers to see if even higher rates are available? With guaranteed income, principal protection, and long-term growth potential on the line, making the right choice is essential. The experienced advisors at Diversified Insurance Brokers will guide you through the options and design a strategy tailored to your retirement goals.
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FAQs: Oceanview Harbourview Annuity
What is the Oceanview Harbourview annuity?
The Harbourview annuity is a multi-year guaranteed annuity (MYGA-style) that offers a fixed interest rate over a chosen term — built for savers who prefer predictable, stable accumulation without exposure to market volatility.
What contract terms are available?
Harbourview is typically offered in fixed-term durations such as 3, 5, or 7 years, though availability may vary. The interest rate is locked in for the full term you choose.
How is interest credited?
Interest is credited at the guaranteed rate annually (or per contract terms). That rate does not change during the term — giving you certainty regardless of market interest-rate fluctuations.
Is my principal protected?
Yes. Your principal and any credited interest are protected under the contract. The value will not drop due to market downturns or negative index performance — because Harbourview does not invest directly in market indexes.
Are there penalty-free withdrawals?
Most Harbourview contracts permit an annual penalty-free withdrawal — often up to 10% of account value after the first contract year. Withdrawals beyond the allowed amount during the surrender period may result in surrender charges.
Is liquidity limited during the contract?
Yes. As with typical MYGAs, full liquidity is restricted during the surrender period. Early full withdrawals may trigger surrender charges or, if applicable, adjustments under a Market Value Adjustment (MVA) feature.
Can I fund Harbourview with an IRA or retirement rollover?
Yes. Harbourview generally accepts qualified funds such as IRAs or 401(k) rollovers, as well as non-qualified savings — making it versatile for different retirement planning needs.
What happens when the term ends?
At maturity, you can withdraw the full account value without surrender charges, renew into a new annuity, or transfer the funds — giving you full flexibility at the end of the guarantee period.
Is there a Market Value Adjustment (MVA)?
Some versions may include an MVA which can adjust early-withdrawal value based on interest-rate changes since contract start. This only applies if the withdrawal or surrender happens during the surrender period.
Who is Harbourview best suited for?
This annuity fits savers and retirees looking for low-risk, stable accumulation over a fixed term — especially those wanting predictable growth, principal protection, and clear liquidity options at maturity.
About the Author:
Jason Stolz, CLTC, CRPC, is a senior insurance and retirement professional with more than two decades of real-world experience helping individuals, families, and business owners protect their income, assets, and long-term financial stability. As a long-time partner of the nationally licensed independent agency Diversified Insurance Brokers, Jason provides trusted guidance across multiple specialties—including fixed and indexed annuities, long-term care planning, personal and business disability insurance, life insurance solutions, and short-term health coverage. Diversified Insurance Brokers maintains active contracts with over 100 highly rated insurance carriers, ensuring clients have access to a broad and competitive marketplace.
His practical, education-first approach has earned recognition in publications such as VoyageATL, highlighting his commitment to financial clarity and client-focused planning. Drawing on deep product knowledge and years of hands-on field experience, Jason helps clients evaluate carriers, compare strategies, and build retirement and protection plans that are both secure and cost-efficient.
