Oceanview Harbourview MYGA – Guaranteed Growth with Flexibility and Protection
At Diversified Insurance Brokers, we specialize in annuity solutions designed to provide long-term stability, guaranteed growth, and simple planning. The Oceanview Harbourview Multi-Year Guaranteed Annuity (MYGA), issued by Oceanview Insurance Company, is a fixed annuity designed for individuals who want predictable returns and principal protection without market risk.
With a range of term options and built-in liquidity features, Harbourview gives you the confidence to plan for retirement with peace of mind.
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Predictable Growth with Flexible Terms
The Oceanview Harbourview MYGA offers guaranteed fixed interest rates and multiple contract lengths, allowing you to choose what works best for your financial timeline:
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Available terms: 2, 3, 4, 5, 6, 7, and 10 years
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Fixed rate locked in for the entire duration
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No market risk, no fluctuation—just guaranteed returns
This makes it a great fit for pre-retirees and conservative investors looking for certainty in uncertain times.
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Liquidity Without Sacrificing Safety
Even though it’s a fixed product, Harbourview includes flexible withdrawal provisions, including:
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Penalty-free withdrawals of up to 10% annually after year one
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Nursing home and terminal illness waivers for qualifying health events
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At the end of the term, choose from renewal, income conversion, or full withdrawal—without penalties
You stay in control throughout the life of the contract, with options to meet both planned and unexpected needs.
Protection for You and Your Loved Ones
This MYGA includes a guaranteed death benefit, ensuring your full contract value passes to your beneficiaries if something happens to you before the term ends. No penalties, no surrender charges—just a clear and reliable transfer of wealth.
Trusted Carrier, Expert Support
Backed by Oceanview Life and Annuity Company, Harbourview is supported by disciplined investment management and strong carrier stability. When you partner with Diversified Insurance Brokers, you gain expert insight into how this product fits within your retirement income plan—and how to structure it for your exact goals.
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 MYGA
What is the Oceanview Harbourview MYGA?
The Harbourview MYGA is a multi-year guaranteed annuity offering fixed interest rates for a set term. It’s designed for savers who want stable, predictable growth with full principal protection and no market exposure.
What term lengths are available?
Harbourview is typically offered in multiple fixed terms—commonly 3, 5, or 7 years—each with its own guaranteed interest rate locked in for the duration.
How is interest credited?
The annuity credits a guaranteed fixed interest rate every year of the chosen term. Your rate never changes once your contract starts, even if market rates fall.
Is my principal protected?
Yes. The Harbourview MYGA guarantees your full principal and all credited interest as long as you stay within contract limits. Market volatility cannot reduce your value.
Does Harbourview allow penalty-free withdrawals?
Most versions allow an annual penalty-free withdrawal of up to 10% of the account value starting in year two. Withdrawals beyond this amount may incur surrender charges.
Is liquidity limited?
Yes, MYGAs are designed for committed-term accumulation. Surrender charges and a possible market value adjustment (MVA) may apply to early withdrawals above the free amount.
Can this MYGA be used inside an IRA?
Yes. Harbourview typically accepts traditional IRAs, Roth IRAs, and qualified rollovers from 401(k) and similar plans, as well as non-qualified savings.
What happens when the term ends?
At maturity, you can withdraw the full value without penalty, renew for a new term, or transfer the funds to another annuity or retirement strategy. You’ll receive a notice with available options.
Is there an MVA (Market Value Adjustment)?
Many Harbourview contracts include an MVA that may increase or decrease the value of early withdrawals depending on interest-rate movement. It does not apply after the surrender period ends.
Who is Harbourview best suited for?
This MYGA is ideal for individuals seeking predictable growth, tax-deferred accumulation, and downside protection. It works well for conservative savers and retirees who prefer guaranteed returns over market volatility.
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.
