Expanding Opportunity
Introducing the MSCI World Index Crediting Strategy
At Oceanview Life, we’re committed to providing retirement solutions that are both straightforward and thoughtfully designed. That means giving financial professionals and their clients access to a range of crediting strategies—each with a clear purpose.
With the addition of the MSCI World Index crediting strategy, we’re expanding that lineup to include an additional index-based option, including global developed market exposure with a fixed indexed annuity framework.
Why global exposure—and why now?
Today’s economy is more connected than ever. Many of the world’s leading companies generate revenue across multiple regions, and growth opportunities may extend beyond a single country.
The MSCI World Index is designed to measure the performance of large- and mid-cap companies across 23 developed markets, representing a broad cross-section of the global economy. With more than 1,300 constituents and coverage of approximately 85% of market capitalization in each country, it offers a diversified view of established markets worldwide.
For clients, that means index-linked interest crediting based on the performance of an index that reflects companies located in North America, Europe, and Asia-Pacific—all within a single index.
How MSCI World complements your existing options
Each crediting strategy in the Harbourview FIA lineup plays a distinct role. Together, they provide flexibility to align with different preferences and perspectives on the market.
- S&P 500® – Broad exposure to large U.S. companies
- Nasdaq-100® – Companies primarily in technology‑oriented sectors
- Russell 2000® – Small-cap U.S. companies with different growth dynamics
- MSCI World Index – Large- and mid-cap companies across developed global markets
Adding MSCI World offers an additional index option for clients seeking crediting strategies tied to global developed markets.
A different kind of diversification
While U.S. markets remain a significant part of global growth, they represent just one part of the opportunity set.
The MSCI World Index includes companies from 23 developed countries and spans a wide range of sectors—from technology and financials to healthcare and industrials.
This broader exposure may appeal to clients who prefer index‑linked crediting tied to multiple regions.
- Reduce reliance on any single economy
- Capture growth across multiple regions
- Provide balance alongside U.S.-focused strategies
Built for simplicity, designed for flexibility
As with all Oceanview crediting strategies, the MSCI World option is designed to be straightforward and flexible within the FIA structure.
Clients can choose to allocate directly to the strategy—or incorporate it as part of a broader allocation approach, such as the Equal Weight option, which spreads allocations evenly across all four indices.
This flexibility allows financial professionals to tailor strategies based on client preferences—whether they prioritize familiarity, innovation, smaller companies, or global exposure.
Supporting confident retirement decisions
At its core, adding the MSCI World Index crediting strategy is about giving clients an additional index‑linked crediting choice within a familiar FIA structure.
It’s another way Oceanview supports financial professionals in offering clear, thoughtfully designed crediting options to support diverse financial objectives.
Amounts allocated to an index are not directly invested in the stock market or any index and do not include dividends. Index performance does not reflect actual investment results.
FOR FINANCIAL PROFESSIONALS USE ONLY. Not to be distributed to the general public. The Single Premium Fixed Indexed Annuity Contract [ICC19 OLA FIA], or variations of such are issued by Oceanview Life and Annuity Company (d/b/a Oceanview Life and Annuity Insurance Company in California). May not be available in all states. Not available in the state of New York or Vermont. Product features, limitations and availability may vary.
The Harbourview MYGA (Generic Policy Form ICC19 OLA SPDA) and Harbourview FIA (Generic Policy Form ICC19 OLA FIA) are single premium deferred annuities. May not be available in all states.
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Annuities are generally designed as long-term retirement solutions and have certain limitations. They are generally not intended to replace emergency funds, serve as income for day-to-day expenses, or support short-term savings goals. Please refer to the contract for complete details, including features, limitations, and charges.
As each client and prospective client’s financial needs differ, care should be taken in making any recommendation to purchase an annuity. Therefore, nothing in this document should be read as investment advice.
Neither Oceanview Life and Annuity Company nor any of its representatives may provide tax or legal advice. Clients should consult their own qualified tax or legal advisors.
Contracts purchased in an IRA or other tax-qualified plan provide no additional tax-deferral benefit, since they are already afforded tax-deferred status. All annuity features, risks, limitations, and costs should be considered prior to purchasing an annuity within a tax-qualified retirement plan. For non-qualified annuities, tax deferral is not available to corporations and certain other entities.
Rates, renewal caps, and declared interest rates, will always follow contract provisions relative to minimums and maximums stated. Oceanview determines, at its discretion, the rates, renewal caps and, declared interest rates above the contractual minimums that are guaranteed.