Simple by Design. Flexible by Term.
Harbourview brings together principal protection, tax-deferred growth potential, a fixed interest option, and multiple index-crediting strategies—all from an A-rated insurance carrier.
A Standout First-Year Rate – Plus Index Growth Potential.
Product available in 3-, 5-, 7-, and 10-year terms.
*Introductory fixed rate for the first contract year only. According to the Harbourview FIA rate sheet effective July 15, 2026. Rates, caps, participation rates, and product provisions are subject to change.
A Clean, Easy-to-Explain FIA Story.
Simple Structure
No complicated income-rider story. Terminal illness and nursing home waivers are included at no additional fee, subject to contract provisions.
Highest First-Year Fixed Rate on the Market*
Harbourview offers standout first-contract-year fixed rates across its available term options.
S&P 500® Options
Choose from annual point-to-point, monthly average, participation-rate, and risk-control strategies tied to the S&P 500®.
A-Rated Carrier
Oceanview Life and Annuity Company is rated A (Excellent) by A.M. Best, with a stable outlook.
Fixed Rates and S&P 500® Cap Choices.
Rates shown are from the Harbourview FIA rate sheet effective July 15, 2026. All rates are for new applications only and are subject to change.
Highest First-Year Fixed Rate on the Market*
These introductory fixed rates apply for the first contract year only. Subsequent fixed rates are market-based and will likely be lower.
*According to Annuity Rate Watch. Introductory rate for the first contract year only. Subsequent rates will be market-based and will likely be lower. See the current rate sheet and contract for complete details.
S&P 500® Cap Rate Highlights
Harbourview offers both monthly-average and annual point-to-point S&P 500® cap strategies.
Funds allocated to an index are not directly invested in the stock market or any index. Index performance does not include dividends.
Everything You Need to Review Harbourview.
Open the approved materials below for product details, current rates, consumer-facing information, and carrier background.
Client Brochure
Shareable overview of Harbourview’s features, crediting strategies, access provisions, and carrier strength.
Product Spec Sheet
Review issue ages, minimum premium, withdrawals, surrender schedules, waivers, death benefit, and settlement options.
Rate Sheet
See current fixed rates, cap rates, and participation rates across the 3-, 5-, 7-, and 10-year terms.
Oceanview Difference
Learn more about Oceanview’s financial strength, assets, surplus, risk-based capital, and retirement-product focus.
Request a Harbourview Illustration.
Send us the case details and the EverVest team will prepare a personalized illustration and help you compare term and crediting options.
Request an Illustration
Complete the form below and an EverVest annuity specialist will follow up with the illustration and any additional case-design support you need.