Ratings last updated July 30, 2026
Oceanview Life and Annuity Company is an insurance carrier whose annuities appear on AnnuaLife's rate boards. It holds an AM Best financial-strength rating of A (Excellent).
AM Best assigns Oceanview Life and Annuity Company a financial-strength rating of A, which sits in its "Excellent" category. An AM Best rating is an independent opinion of an insurer's ability to meet its ongoing insurance and annuity obligations, its claims-paying ability. It is not a measure of investment performance, and it is not a guarantee. Annuities are backed by the issuing insurer, not the FDIC. An A reflects AM Best's assessment that the company has an excellent ability to meet those obligations. Ratings can change; the rating shown here was last checked July 30, 2026.
Oceanview lists six multi-year guaranteed annuities (MYGAs) on AnnuaLife, its Harbourview series. Rates below are examples as of July 30, 2026 and vary by state.
| Product | Term | Rate | Minimum | Details |
|---|---|---|---|---|
| Harbourview 2 | 2 yr | 5.05% | $70,000 | View |
| Harbourview 2 (CA) | 2 yr | 5.05% | $70,000 | View |
| Harbourview 4 | 4 yr | 5.60% | $70,000 | View |
| Harbourview 4 (CA) | 4 yr | 5.60% | $70,000 | View |
| Harbourview 6 | 6 yr | 5.75% | $70,000 | View |
| Harbourview 6 (CA) | 6 yr | 5.60% | $70,000 | View |
Sources: Annuity.org, Oceanview Life and Annuity. Company facts last checked July 30, 2026.
Oceanview carries an A ("Excellent") AM Best rating and lists its Harbourview MYGA series on our board, with rates up to 5.75% at the time of writing. Two things stand out. The rates are solid but not the highest on the board, the common profile of an A-rated carrier. And the minimum premium is $70,000, well above the $10,000 to $25,000 entry point most carriers here ask for, so Harbourview fits a larger single deposit rather than a small starter contract. An advisor can weigh the rating, the rate, and that minimum against your timeline.
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