Simplifying Allocation

Introducing the Equal Weight Option

When it comes to fixed indexed annuities, one of the most common questions is also one of the most important:

How should I allocate across crediting strategies?

With multiple index options available—each offering a different type of market exposure—making that decision can feel complex.

That’s why we introduced the Equal Weight allocation option in the Harbourview FIA: a single allocation option that provides a structured allocation across multiple crediting strategies within the annuity. 

What is Equal Weight?

Each index receives a 25% allocation— which is designed to provide a mix of U.S. large-cap, small-cap, innovation-driven, and global developed market exposure.

The indices are used as benchmarks for interest crediting purposes only and do not represent a direct investment in the indices or their underlying securities.

Why simplicity matters

For many clients, the challenge isn’t a lack of options—it’s deciding how to use them.

Equal Weight is designed to:

• Provide a single allocation selection by offering a single allocation choice 
• Offer exposure across multiple market segments 

Provide a diversified starting point across multiple indices without requiring selection based on market expectations Instead of choosing between strategies, clients can participate in all of them—equally.

A built-in diversified approach

By allocating evenly across all four, Equal Weight is designed to provide a diversified mix of company sizes, sectors, and geographic regions.

Designed for real-world conversations

Equal Weight isn’t about replacing thoughtful allocation—it’s about providing a streamlined allocation approach within the annuity.

For financial professionals, it can help streamline conversations with clients who:

• Prefer a clear, easy-to-understand approach 
• Are interested in diversified exposure across multiple strategies through a single allocation election  
• Feel uncertain about choosing between multiple indices 

It can also serve as a practical starting point, with flexibility to adjust over time based on client preferences and needs.

How it works within the Harbourview FIA

When selected during the application process—whether digital or paper—the Equal Weight option automatically divides the premium evenly across the four available strategies.

Each strategy then provides interest crediting potential based on its respective index, subject to caps or other applicable limits and contract terms. The annuity provides protection of contract value from market downturns, subject to the guarantees of the contract. 

A structured approach to allocation At Oceanview, we believe retirement solutions should be clear, accessible, and designed to support informed financial decisions. 

The Equal Weight allocation option may fit within a broader retirement strategy and provide exposure across multiple crediting strategies. 

Visit our Equal Weight page to learn more.

Explore how the Equal Weight option can simplify allocation while maintaining diversification.

Disclaimers

Guarantees are based on the claims-paying ability of the issuing insurance company. 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. 

OCEANVIEW ANNUITIES ARE PRODUCTS OF THE INSURANCE INDUSTRY AND NOT GUARANTEED BY ANY BANK NOR INSURED BY THE FDIC OR NCUA/NCUSIF OR ANY OTHER FEDERAL GOVERNMENTAL AGENCY. MAY LOSE VALUE. NO BANK/CREDIT UNION GUARANTEE. NOT A DEPOSIT. MAY ONLY BE OFFERED BY A LICENSED INSURANCE AGENT. GUARANTEES ARE SUBJECT TO THE CLAIM PAYING ABILITY OF THE ISSUING INSURANCE COMPANY.

Annuities issued by Oceanview Life and Annuity Company, 1331 17th Street, Suite 1050, Denver, CO 80202. In California, doing business as Oceanview Life and Annuity Insurance Company www.oceanviewlife.com.

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.

This material is a general description intended for general public, educational use. Oceanview Life and Annuity Company is not providing investment advice for any individual or in any individual situation, and therefore nothing in this correspondence should be read as such. 

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. 

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.

The S&P 500 Annual Point to Point with Cap Rate, S&P 500 Annual Point to Point with Participation Rate, S&P 500 2 Year Point to Point with Participation Rate and S&P 500 Monthly Average Annual Point to Point with Cap Rate, S&P 500 Daily Risk Control 5% Excess Return Index Annual Point-to-Point with Participation Percentage, S&P 500 Daily Risk Control 10% Excess Return Index Annual Point-to-Point with Participation Percentage (hereafter Indices or Index) are products of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”) and Third-Party Licensor, and has been licensed for use by Oceanview Life and Annuity Company (hereafter, Licensee). 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WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT WHATSOEVER SHALL S&P DOW JONES INDICES OR ANY AFFILIATED THIRD-PARTY LICENSOR BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES INCLUDING BUT NOT LIMITED TO, LOSS OF PROFITS, TRADING LOSSES, LOST TIME OR GOODWILL, EVEN IF THEY HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE. SUBJECT TO S&P’S OBLIGATIONS TO LICENSEE TO REVIEW AND APPROVE LICENSEE’S INFORMATIONAL MATERIAL PURSUANT TO THE AGREEMENT BETWEEN S&P AND LICENSEE, S&P DOW JONES INDICES HAS NOT REVIEWED, PREPARED AND/OR CERTIFIED ANY PORTION OF, NOR DOES S&P DOW JONES INDIES HAVE ANY CONTROL OVER, THE LICENSEE PRODUCT REGISTRATION STATEMENT, PROSPECTUS OR OTHER OFFERING MATERIALS. THERE ARE NO THIRD-PARTY BENEFICIARIES OF ANY AGREEMENTS OR ARRANGEMENTS BETWEEN S&P DOW JONES INDICES AND LICENSEE, OTHER THAN THE LICENSORS OF S&P DOW JONES INDICES. Nasdaq®, Nasdaq-100 Index®, Nasdaq-100®, NDX®, are registered trademarks of Nasdaq, Inc. (which with its affiliates is referred to as the “Corporations”) and are licensed for use by Oceanview Life and Annuity and affiliated companies. The Product has not been passed on by the Corporations as to their legality or suitability. The Product is not issued, endorsed, sold, or promoted by the Corporations. The Corporations make no warranties and bear no liability with respect to the product. London Stock Exchange Group plc and its group undertakings (collectively, the “LSE Group”). FTSE Russell is a trading name of certain of the LSE Group companies. “FTSE®” “Russell®”, “FTSE Russell®”, “FTSE4Good®” are trademarks of the relevant LSE Group companies and are used by any other LSE Group company under license. The FIAX Russell 2000® Index (the “Index”) has been licensed for use by Oceanview Life and Annuity Company and affiliated companies (“Oceanview”). Oceanview products are not in any way sponsored, endorsed, sold, or promoted by Russell or the LSE Group and none of the Licensor Parties make any claim, prediction, warranty, or representation whatsoever, expressly or impliedly, either as to (i) the results to be obtained from the use of the Index (upon which the Oceanview product is based), (ii) the figure at which the Index is said to stand at any particular time on any particular day or otherwise, or (iii) the suitability of the Index for the purpose to which it is being put in connection with the Oceanview product. None of the Licensor Parties have provided or will provide any financial or investment advice or recommendation in relation to the Index to Oceanview or to its clients. The Index is calculated by Russell or its agent. None of the Licensor Parties shall be (a) liable (whether in negligence or otherwise) to any person for any error in the Index or (b) under any obligation to advise any person of any error therein

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