If you’re comparing fixed-rate annuities, you’re likely focused on three things: rate, term, and confidence in the company behind the guarantee.
Below is a snapshot comparison of AM Best A rated (or higher) insurance carriers offering the highest rates for 2, 3, and 4-year Multi- Year Guaranteed Annuities (MYGAs) for the stated date below. This view is designed to help you understand where Oceanview fits among similar options — and is not intended to represent a comprehensive market survey.
Important context: MYGA rates vary by age, premium amount, state, and term. The comparisons below are illustrative and reflect commonly quoted scenarios. Actual rates available to an individual may differ.
The rates shown below are obtained from Annuity Rate Watch. These comparisons are updated weekly to reflect recent market conditions.
| Carrier | Product | AM Best Rating | Guaranteed Term | Guaranteed Rate |
|---|---|---|---|---|
| Oceanview Life and Annuity | Harbourview® 2 MYGA | A | 2 Years | 4.75% |
| Americo | Platinum Assure 2 MYGA | A | 2 Years | 4.40% |
| MassMutual | Premier Voyage 2 MYGA | A++ | 2 Years | 3.65% |
| Carrier | Product | AM Best Rating | Guaranteed Term | Guaranteed Rate |
|---|---|---|---|---|
| Oceanview Life and Annuity | Harbourview® 3 MYGA | A | 3 Years | 4.80% |
| Athene | Athene Max Rate 3 | A+ | 3 Years | 4.65% |
| North American Company | NAC Guarantee Plus 3 | A+ | 3 Years | 4.60% |
| F&G | FG Guarantee-Platinum 3 | A | 3 Years | 4.55% |
| Oxford Life | Multi-Select 3 | A | 3 Years | 4.55% |
| Carrier | Product | AM Best Rating | Guaranteed Term | Guaranteed Rate |
|---|---|---|---|---|
| Oceanview Life and Annuity | Harbourview® 4 MYGA | A | 4 Years | 5.10% |
| Oxford Life | Multi Select 4 MYGA | A | 4 Years | 5.00% |
| AIG | American Pathway Fixed 4 Annuity | A | 4 Years | 4.50% |
While rate matters, it's only part of the decision. Consumers should also consider:
Oceanview MYGAs are designed to deliver security, simplicity, and competitive value — with straightforward designs and transparent terms.
If you’re primarily rate-focused and looking for a simple, fixed-rate solution, speaking with an Oceanview specialist can help you determine if a MYGA is a good fit.
If your needs are more complex — such as income planning, market- linked growth, or coordinating multiple retirement goals — working with a financial professional may be more appropriate.
No product recommendation is being made by this material.
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 New York or Vermont. Policy form numbers and provisions may vary. Rates are guaranteed depending on the guarantee period selected at policy issue.
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 review the contract for full details.
A.M. Best Rating as of December 11, 2024, is subject to change. A (Excellent) rating is third highest of fifteen possible rating classes for financial strength. The outlook assigned to these Credit Ratings is stable.
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.
Withdrawals in excess of any Free Partial Withdrawal amounts are subject to a Surrender Charge and Market Value Adjustment (MVA). The MVA may have the effect of increasing or decreasing the Surrender Value of the withdrawal depending on the market interest rate changes.
The IRS may impose a penalty for withdrawals prior to age 59 ½.
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.
While care was taken in compiling this information, the Company reserves the right to correct any typographical errors that may exist.
Issue age for all deferred annuities is the age of the last birthday of the Owner. If joint owners, age of oldest determines commission payout.
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.