Disclaimers

Guarantees are based on the financial strength of the issuing carrier. The multi-year guarantee annuity product with form number IIC19 OLA SPDA, or variations of such, are issued by Oceanview Life and Annuity Company (d/b/a Oceanview Life and Annuity Insurance Company in California; NAIC# 68446). May not be available in all states. Not available in the state of North Carolina. Policy form numbers and provisions may vary. Rates are guaranteed depending on the guarantee period selected at policy issue. All annuity features, risks, limitations, and costs should be considered prior to purchasing an annuity within a tax-qualified retirement plan. Annuities issued by Oceanview Life and Annuity Company, 1819 Wazee Street, 2nd Floor, Denver CO 80202, www.oceanviewlife.com. Neither Oceanview Life and Annuity Company nor any of its representatives may provide tax or legal advice. While care was taken in compiling this information, the Company reserves the right to correct any typographical errors that may exist. In California, doing business as Oceanview Life and Annuity Insurance Company. HARBOURVIEW 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. This material is intended to provide educational information regarding the features and mechanics of the product and is intended for use with the general public. It should not be considered, and does not constitute, personalized investment advice. Oceanview Life and Annuity Insurance Company is not an investment adviser nor registered as such with the SEC or any state securities regulatory authority. It’s not acting in any fiduciary capacity with respect to any contract and/or investment. Information and interactive sales tools are made available to you as resources for your independent use and are not intended to provide investment advice. Oceanview cannot and does not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. Estimates provided are not binding and subject to additional considerations, including taxes that may result in a higher or lower payout. Joint and survivor life options may reduce the current income payment upon the death of the primary annuitant. An income annuity has no cash value. Once issued, it cannot be revoked, and the initial investment is not refundable and cannot be withdrawn or exchanged for another annuity. This material is intended to provide educational information only, regarding the features and mechanics of the product and is intended for use with the general public. It should not be considered, and does not constitute, personalized investment advice. Oceanview Life and Annuity Insurance Company is not an investment adviser nor registered as such with the SEC or any state securities regulatory authority. It’s not acting in any fiduciary capacity with respect to any contract and/or investment. Estimates provided are not binding and subject to additional considerations, including taxes that may result in a higher or lower payout.

Guarantees are based on the financial strength of the issuing carrier. The multi-year guarantee annuity product with form number IIC19 OLA SPDA, or variations of such, are issued by Oceanview Life and Annuity Company (d/b/a Oceanview Life and Annuity Insurance Company in California; NAIC# 68446). May not be available in all states. Not available in the state of North Carolina. Policy form numbers and provisions may vary. Rates are guaranteed depending on the guarantee period selected at policy issue. All annuity features, risks, limitations, and costs should be considered prior to purchasing an annuity within a tax-qualified retirement plan. Annuities issued by Oceanview Life and Annuity Company, 1819 Wazee Street, 2nd Floor, Denver CO 80202 www.oceanviewlife.com. Neither Oceanview Life and Annuity Company nor any of its representatives may provide tax or legal advice. While care was taken in compiling this information, the Company reserves the right to correct any typographical errors that may exist. In California, doing business as Oceanview Life and Annuity Insurance Company. HARBOURVIEW 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. This material is intended to provide educational information regarding the features and mechanics of the product and is intended for use with the general public. It should not be considered, and does not constitute, personalized investment advice. Oceanview Life and Annuity Insurance Company is not an investment adviser nor registered as such with the SEC or any state securities regulatory authority. It’s not acting in any fiduciary capacity with respect to any contract and/or investment. Information and interactive sales tools are made available to you as resources for your independent use and are not intended to provide investment advice. Oceanview cannot and does not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. Estimates provided are not binding and subject to additional considerations, including taxes that may result in a higher or lower payout. Joint and survivor life options may reduce the current income payment upon the death of the primary annuitant. An income annuity has no cash value. Once issued, it cannot be revoked, and the initial investment is not refundable and cannot be withdrawn or exchanged for another annuity.

The Harbourview MYGA (Generic Policy Form ICC19 OLA SPDA) is a single premium deferred annuity. Policy form numbers and provisions may vary. May not be available in all states. A.M. Best Rating as of November 18, 2021, is subject to change. A- (Excellent) rating is fourth highest of fifteen possible rating classes for financial strength.

Information contained in this correspondence is for Agent Use Only and cannot be used for the General Public. Financial professionals will be paid a commission on the sale of an annuity. The term “financial professional” is not intended to imply engagement in an advisory business with compensation unrelated to sales. Rates are guaranteed depending on the guarantee period selected at policy issue. Within 30 days prior to the end of the Initial Interest Guarantee Period, we will send our contract holder a notification informing them the date the Guarantee Period is ending and provide the renewal rate and Surrender Charges in effect for the subsequent Guarantee Period. Excess withdrawals are subject to a Surrender Charge and market value adjustments. The IRS may impose a penalty for withdrawals prior to age 59 1/2. All annuity features, risks, limitations, and costs should be considered prior to purchasing an

annuity within a tax-qualified retirement plan. Jurisdictional commission regulations will be followed in all situations. Consult your specific jurisdictional commission regulations for licensing and other requirements. Please reference the “General Information” section of the current Harbourview Series Commission Grids for more details regarding commission rates and payments. While care was taken in compiling this information, the Company reserves the right to correct any typographical errors that may exist. Annuities issued by Oceanview Life and Annuity Company, 1819 Wazee Street, 2nd Floor, Denver CO 80202. In California, doing business as Oceanview Life and Annuity Insurance Company. www.oceanviewlife.com. Oceanview Life and Annuity Company nor any of its representatives may provide tax or legal advice. HARBOURVIEW ANNUITIES ARE PRODUCTS OF THE INSURANCE INDUSTRY AND NOT GUARANTEED BY ANY BANK NOR INSURED BY FDIC OR NCUA/NCUSIF. MAY LOSE VALUE. NO BANK/CREDIT UNION GUARANTEE. NOT A DEPOSIT. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. MAY ONLY BE OFFERED BY A LICENSED INSURANCE AGENT. GUARANTEES ARE SUBJECT TO THE CLAIM PAYING ABILITY OF THE ISSUING INSURANCE COMPANY.

The Harbourview MYGA (Generic Policy Form ICC19 OLA SPDA) is a single premium deferred annuity. Policy form numbers and provisions may vary. May not be available in all states. A.M. Best Rating as of November 18, 2021, is subject to change. A- (Excellent) rating is fourth highest of fifteen possible rating classes for financial strength. 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. Please reach out to your financial professional if you have any questions. Rates are guaranteed depending on the guarantee period selected at policy issue. For clients of our Multi-Year Guaranteed Annuity contract, within 30 days prior to the end of the Initial Interest Guarantee Period, we will send you a notification informing you of the date the Guarantee Period is ending and provide the renewal rate and Surrender Charges in effect for the subsequent Guarantee Period. Excess withdrawals are subject to a Surrender Charge and market value adjustments. The IRS may impose a penalty for withdrawals prior to age 59 1/2. All annuity features, risks, limitations, and costs should be considered prior to purchasing an annuity within a tax-qualified retirement plan. Annuities issued by Oceanview Life and Annuity Company, 1819 Wazee Street, 2nd Floor, Denver CO 80202. In California, doing business as Oceanview Life and Annuity Insurance Company www.oceanviewlife.com. Neither Oceanview Life and Annuity Company nor any of its representatives may provide tax or legal advice. While care was taken in compiling this information, the Company reserves the right to correct any typographical errors that may exist.

HARBOURVIEW 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.

This material is intended to provide educational information only, regarding the features and mechanics of the product and is intended for use with the general public. It should not be considered, and does not constitute, personalized investment advice. Oceanview Life and Annuity Insurance Company is not an investment adviser nor registered as such with the SEC or any state securities regulatory authority. It’s not acting in any fiduciary capacity with respect to any contract and/or investment.

Information and interactive sales tools are made available to you as resources for your independent use and are not intended to provide investment advice. Oceanview cannot and does not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes only. We encourage you to seek personalized advice from qualified professionals regarding all finance issues.

Estimates provided are not binding and subject to additional considerations, including taxes that may result in a higher or lower payout. Joint and survivor life options may reduce the current income payment upon the death of the primary annuitant(s). An income annuity has no cash value. Once issued, it cannot be revoked, and the initial investment is not refundable and cannot be withdrawn or exchanged for another annuity.
All annuity features, risks, limitations, and costs should be considered prior to purchasing an annuity within a tax-qualified retirement plan. Annuities issued by Oceanview Life and Annuity Company, 1819 Wazee Street, 2nd Floor, Denver CO 80202. In California, doing business as Oceanview Life and Annuity Insurance Company www.oceanviewlife.com. Neither Oceanview Life and Annuity Company nor any of its representatives may provide tax or legal advice. While care was taken in compiling this information, the Company reserves the right to correct any typographical errors that may exist.

As of November 18th, 2021. A.M. Best Company rating based on financial strength, management skill and integrity, but is not a statement nor recommendation to purchase a policy. A.M. Best Financial Strength Rating of A- (Excellent) ranks the fourth highest of 16 rankings.

FOR AGENT EDUCATIONAL PURPOSES ONLY. Not for use with the general public. While care was taken in preparing the information in this presentation and is considered reliable, contract, application, illustration, and product disclosure language should be relied upon when contrary. Additional opinions provided by the presenter are their own, and may not reflect the opinions of the Company.