Oceanview Life and Annuity

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Oceanview Life and Annuity

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Oceanview Focuses On Providing High Quality Retirement Income Products And Services to its policyholders and maintaining guaranteed* financial
protection over the life of their policies.

10/08/2026

For premiums of $70,000 or more, available rates include:

5.15% — 2-Year
5.70% — 4-Year
5.90% — 6-Year
5.95% — 10-Year

Harbourview MYGA provides a guaranteed fixed interest rate for the selected guarantee period and is issued by Oceanview Life and Annuity Company, rated A (Excellent) by AM Best for financial strength. All guarantees are backed by the financial strength and claims-paying ability of Oceanview Life and Annuity Company.

Financial professionals: take another look at Harbourview and explore the complete rate lineup.

View current rates: https://oceanviewlife.com/resources/rates/?gad_source=1&gad_campaignid=22880387686&gbraid=0AAAAACUo31ZXV-hSog6h_1oxdFx9P2tzA&gclid=CjwKCAjwoOjVBhArEiwAUwDak4M8g5fRuO2gnUZzj1YS4SS3sxUEizEAroTslzH8zNxU1iPJVeFkQxoCKQoQAvD_BwE

10/06/2026

For premiums of $70,000 or more, available rates include:

5.15% — 2-Year
5.70% — 4-Year
5.90% — 6-Year
5.95% — 10-Year

View current rates: https://oceanviewlife.com/resources/rates/

Harbourview MYGA provides a guaranteed fixed interest rate for the selected guarantee period and is issued by Oceanview Life and Annuity Company, rated A (Excellent) by AM Best for financial strength. All guarantees are backed by the financial strength and claims-paying ability of Oceanview Life and Annuity Company.
Financial professionals: take another look at Harbourview and explore the complete rate lineup.

10/05/2026

We’re expanding our reach.

Oceanview’s fixed annuity solutions are now available in Vermont, giving financial professionals more ways to help clients plan for what’s ahead with clarity and confidence.

Learn more about our retirement solutions: https://oceanviewlife.com/

10/01/2026

A client answers “Partly” or “Not yet.”

What comes next?

Not a product recommendation. A better question.

Oceanview’s Retirement Protection Checkup is designed to help uncover areas clients may want to understand more clearly—not to score their plan or identify a product need.

Ask. Listen. Clarify. Connect.

Use the Checkup alongside the Agent Conversation Guide to explore client priorities, understand individual circumstances and help guide the conversation toward relevant next steps.

Get the agent resources at https://lnkd.in/ej-bM_dJ

09/30/2026

When an annuity contract is issued, one part of the process is complete—but the relationship continues.

Over the life of a contract, financial professionals and clients may need to think about:

- Reviewing contract values and important dates
- Understanding withdrawal and distribution options
- Preparing for annual strategy or rate updates, when applicable
- Reviewing beneficiary information
- Planning ahead for maturity or renewal
- Knowing where to go when service is needed

Setting those expectations early can make future conversations easier.

That is why we believe clear information should extend beyond the initial product decision and continue throughout the life of the contract.

Access Oceanview policyholder and financial professional resources: https://oceanviewlife.com/protection-for-whats-next/

Contract features, availability and applicable processes vary by product. Please refer to the contract and current Oceanview materials for complete information.

09/17/2026

A competitive rate can get the conversation started. But evaluating a fixed annuity means looking at more than one number.

Five questions can help financial professionals and clients take a more complete view:

What is guaranteed—and for how long? Understand which rates, caps or other contract features are guaranteed and the period those guarantees apply.

How is interest credited? MYGAs and fixed indexed annuities can use very different approaches, so it is important to understand how credited interest will be determined.

What access does the client have to their money? Review withdrawal provisions, surrender charges and any applicable exceptions.

What happens at the end of the guarantee period? Knowing the maturity, renewal or anniversary process can help set expectations from the beginning.

What financial strength stands behind the guarantees? Annuity guarantees depend on the financial strength and claims-paying ability of the issuing insurance company.

Clearer questions can lead to clearer conversations—and greater confidence in the choices being considered.

Explore Oceanview fixed annuity solutions and resources: https://oceanviewlife.com/protection-for-whats-next/

Product features, guarantees, withdrawal provisions and surrender charges vary by product. Please review the applicable contract and product materials for complete information.

09/15/2026

September is a good time to broaden the conversation about protection.

As clients approach or live in retirement, the discussion can go beyond accumulation to include income needs, market uncertainty, changing interest rates, longevity and the role different portions of savings may play.

Oceanview’s Retirement Protection Checkup gives you five questions to help start that conversation—and our Agent Conversation Guide provides listening cues, follow-up questions and transition language to help you take it further.

Download them here: https://oceanviewlife.com/protection-for-whats-next/

09/10/2026

With some fixed indexed annuities, cap rates may be declared again at each contract anniversary.

CapLock FIA takes a different approach.

For three Annual Point-to-Point index strategies, the cap rate is declared at issue and guaranteed for the full 5- or 7-year surrender-charge period selected.

That gives financial professionals and clients one important crediting term they can know from the beginning—helping make expectations clearer throughout the life of the contract.

Learn more about CapLock FIA: https://oceanviewlife.com/products/caplock-fixed-indexed-annuity/

CapLock FIA is a fixed indexed annuity. It does not directly invest in an index. Index-linked strategies may receive no interest in a given crediting period. Guarantees are backed by the financial strength and claims-paying ability of Oceanview Life and Annuity Company.

09/09/2026

A traditional MYGA generally provides one declared rate for the full guarantee period. CurrentRate® MYGA takes a different approach.

Oceanview’s 5-Year CurrentRate® MYGA provides:

-Principal protection
-Tax-deferred growth
-A declared rate guaranteed for the first contract year
-A clearly defined approach for determining the credited rate in years 2–5

Beginning in year two, the credited rate is determined annually in accordance with the contract-defined 1-Year U.S. Treasury component plus a guaranteed spread that remains fixed through the 5-year guarantee period.

The total credited rate may increase or decrease, subject to the contract’s guaranteed minimum.

For clients considering a MYGA but interested in a rate structure that can adjust with interest-rate conditions, CurrentRate® provides another option to consider.

Learn more: https://oceanviewlife.com/products/currentrate-myga/

Guarantees are backed by the financial strength and claims-paying ability of Oceanview Life and Annuity Company.

Address

1331 17th Street, Suite 1050
Denver, CO
80202

Website

http://www.oceanviewlife.com/

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Fox Valley Mutual Mortgage Inc
2942 Evergreen Parkway suite 425, Evergreen CO

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