Oceanview
Oceanview Life and Annuity Company is a private, A.M. Best A-rated provider of fixed and fixed-indexed annuity products (MYGAs and FIAs) distributed nationally through IMOs, broker-dealers, and financial institutions to retirees and pre-retirees seeking principal-protected retirement income.
- Company typePrivate
- Founded1965
- HeadquartersPhoenix, United States
- Headcount11–50
- GTM typeB2C
- OfferingServices
Oceanview firmographics
Firmographics- Name
- Oceanview
- Legal name
- Oceanview Life and Annuity Company
- Website
- https://oceanviewlife.com
- Company type
- Private
- Founded year
- 1965
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Oceanview Life and Annuity Company is a private, A.M. Best A-rated provider of fixed and fixed-indexed annuity products (MYGAs and FIAs) distributed nationally through IMOs, broker-dealers, and financial institutions to retirees and pre-retirees seeking principal-protected retirement income.
- Ownership category
- akta.pro rank
Oceanview industry classification
Industry- Product category
- Fixed Annuities
- NAICS
- Direct Life, Health, and Medical Insurance Carriers (52411), Direct Life Insurance Carriers (524113)
- SIC
- Life Insurance (6311)
- akta.pro primary industry
- Fixed Annuities (FSAIACAA)
- akta.pro secondary industries
- Multi-Year Guaranteed Annuities (MYGA) (FSAIACAK), Annuity Riders & Guarantees (GLWB/GMWB/GMIB/Death Benefits) (FSAIACAL)
Keywords
Where Oceanview is headquartered
LocationHeadquarters
- HQ city
- Phoenix
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Oceanview business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Annuity Premium Revenue: Oceanview generates revenue from annuity premiums paid by policyholders. The company offers Multi-Year Guaranteed Annuities (MYGAs) and Fixed Indexed Annuities (FIAs) where policyholders pay single premiums in exchange for guaranteed returns, tax-deferred growth, and optional income riders. Revenue is recognized over the contract term through interest crediting and fee structures.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Multi-year contract | Harbourview MYGA — Minimum $20,000 premium, guarantee periods of 2, 3, 4, 5, 6, 7, and 10 years. Issue ages up to 89+364 days for 2-5 year terms; up to 84+364 days for 6, 7, 10-year terms. 10% free withdrawal after first year. 20-day free look period. |
| Unit Pricing | Multi-year contract | CurrentRate MYGA — Minimum $20,000 premium, 5-year guarantee period only. Issue ages 0-89. Floating rate: declared rate in year 1, then 1-Year U.S. Treasury plus guaranteed spread annually. Minimum guaranteed interest rate 1%. |
| Unit Pricing | Multi-year contract | Sky Harbourview MYGA — Minimum $20,000 premium, guarantee periods of 3, 5, 7, and 10 years. Issue ages up to 89+364 days for 3, 5-year terms; up to 84+364 days for 7, 10-year terms. Available via financial institution partners. |
| Unit Pricing | Multi-year contract | Harbourview FIA — Fixed Indexed Annuity with 3, 5, 7, and 10-year guarantee periods. Issue ages up to 89+364 days for 3, 5-year terms; up to 84+364 days for 7, 10-year terms. Multiple index crediting strategies. |
| Unit Pricing | Multi-year contract | Oceanview CapLock FIA — Minimum $20,000 premium, 5 or 7-year guarantee periods. Issue ages up to 89+364 days for 5-year term; up to 84+364 days for 7-year term. Cap rate locked at issue for full surrender charge period. |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels7 records
Oceanview product offering
Product offeringCore offering
Oceanview Life and Annuity Company designs, issues, and services a suite of fixed annuity products for retirement savings and income. Its portfolio includes Multi-Year Guaranteed Annuities (MYGAs) — Harbourview MYGA, CurrentRate MYGA, and Sky Harbourview MYGA — and Fixed Indexed Annuities (FIAs) — Harbourview FIA and Oceanview CapLock FIA — offering principal protection, guaranteed or index-linked interest crediting, tax deferral, and optional income and death benefit features.
Product overview
Oceanview Life and Annuity Company offers a comprehensive suite of fixed and fixed-indexed annuity products for retirement savings and income. The product portfolio consists of Multi-Year Guaranteed Annuities (MYGAs) including Harbourview MYGA (2-10 year terms), CurrentRate MYGA (5-year floating rate), and Sky Harbourview MYGA (3-10 year terms with death benefit). The Fixed Indexed Annuity (FIA) offerings include Harbourview FIA and Oceanview CapLock FIA, both providing principal protection with growth potential tied to market indices. Crediting strategy options for FIAs include S&P 500, Nasdaq-100, Russell 2000, and Fixed Interest, with various calculation methods such as Annual Point-to-Point with Cap Rate, Participation Rate, Monthly Average, and Daily Risk Control strategies. Products are distributed nationally through agents, advisors, banks, and broker-dealers.
Differentiator
Problem solved
Functional benefit
Brands
- Harbourview: Multi-Year Guaranteed Annuity (MYGA) product line offering guaranteed premium, guaranteed yield, and tax deferral benefits.
- CurrentRate
- Sky Harbourview
- Harbourview FIA
- CapLock
Products and services
- Harbourview MYGA Multi-Year Guaranteed Annuity offering guaranteed premium, guaranteed yield, and tax-deferred growth with guarantee periods of 2, 3, 4, 5, 6, 7, and 10 years. Minimum premium of $20,000, 10% free withdrawal after the first contract year, and 20-day free look period. Designed for retirees and pre-retirees seeking predictable, guaranteed returns.
- CurrentRate MYGA Single Premium Deferred Multi-Year Guaranteed Annuity with a floating interest-crediting approach designed to stay aligned with changing interest rate conditions. The first year has a declared rate; subsequent years credit interest based on the 1-Year U.S. Treasury Rate plus a guaranteed spread (base rate). Currently offered with a 5-year guarantee period, minimum premium of $20,000, issue ages 0-89, and minimum guaranteed interest rate of 1%.
- Sky Harbourview MYGA Multi-Year Guaranteed Annuity offering guaranteed premium, guaranteed yield, tax-deferred growth, and a death benefit for beneficiaries. Available with 3, 5, 7, and 10-year guarantee periods and minimum premium of $20,000. Includes Terminal Illness and Nursing Home Confinement waiver riders at no charge and is distributed via financial institution partners.
- Harbourview FIA Fixed Indexed Annuity designed for individuals seeking asset protection against market volatility combined with growth potential from market gains. Available with 3, 5, 7, and 10-year guarantee periods and minimum premium of $20,000. Offers multiple index crediting strategies across S&P 500, Nasdaq-100, Russell 2000, and Fixed Interest, with principal 100% protected against market downturns; FIA contracts mature on the contract anniversary following annuitant age 100.
- Oceanview CapLock FIA Fixed Indexed Annuity where the cap rate is declared once at policy issue and remains locked for the full 5 or 7-year surrender charge period, providing predictability in interest crediting without annual re-declarations. Combines principal protection with growth potential tied to S&P 500, Nasdaq-100, and Russell 2000 indices. Minimum premium $20,000; not available in New York or Vermont; California version is non-MVA.
Quantifiable outcome
- Case study hypothetical: $100,000 Harbourview FIA premium grew to $213,065 over 10 years with $113,065 in earned interest at 6.94% annual effective rate
- +1 more outcomes
Companies that use Oceanview
Customer profileNamed customers4 records
Segments3 records
Ideal customer profiles3 records
Oceanview technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Oceanview partnerships and signals
Strategic signalScale indicators1 record
Recent moves4 records
Expansion highlights6 records
Oceanview competitors and assessment
Company assessmentDirect peers
- Pacific Life: Pacific Life offers a similarly structured suite of fixed indexed and multi-year guaranteed annuities distributed through financial professionals and banks. The product architecture, multi-channel distribution, and target retiree/pre-retiree segment closely mirror Oceanview's positioning.
- Sammons Financial Group (North American Company): North American Company, part of Sammons Financial Group, is a focused FIA and indexed life insurance carrier with a similar product-specialist orientation and IMO distribution model — a close structural peer to Oceanview.
- Fidelity & Guaranty Life (F&G): F&G is a focused annuity and life insurer with a comparable MYGA and FIA product line and a multi-channel distribution strategy (IMOs, brokers, financial institutions). Structurally and competitively aligned with Oceanview's profile.
Broad incumbents
- Lincoln Financial Group: Lincoln Financial is a broad incumbent life and annuity carrier with FIA, fixed, and variable annuity products, distributed through broker-dealers and financial institutions. Annuity segment directly overlaps Oceanview's core fixed/MYGA franchise.
- Athene Holding (Apollo): Athene is one of the largest issuers of MYGAs and FIAs in the U.S., primarily serving the retirement and bank-channel distribution segments Oceanview targets. Their scale and aggressive crediting rates set competitive benchmarks for Oceanview's MYGA franchise.
- Allianz Life: Allianz Life is a leading FIA carrier with a broad index crediting strategy menu (S&P 500, Nasdaq-100, Russell 2000) similar to Oceanview's options. Both compete in the financial professional channel for FIA placement.
- Brighthouse Financial: Brighthouse is a top-10 annuity issuer with indexed, fixed, and variable annuity products, distributed through financial professionals. The FIA product set and multi-channel strategy directly overlap with Oceanview's offering.
- Corebridge Financial (AIG): Corebridge Financial, the life and retirement subsidiary of AIG, is one of the largest U.S. annuity writers with deep IMO and financial institution distribution — directly comparable to Oceanview's three-channel GTM.
- Nationwide Financial: Nationwide is a top-10 U.S. annuity issuer with fixed, indexed, and variable products distributed across financial professionals and financial institutions. Competitive overlap is strongest in FIA and MYGA market segments.
- Global Atlantic Financial Group: Global Atlantic is a mid-to-large annuity and life insurer with strong MYGA/FIA offerings distributed through advisors and bank channels. Acquired by KKR, the firm competes for similar advisor wallet share as Oceanview.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Oceanview social profiles
Digital presenceOceanview compliance and trust
Trust signalCompliance1 record
Oceanview financial estimates
Financial estimateRevenue estimate
Valuation estimate
Oceanview leadership team
Management profileNumber of profiles
Profiles10 records
Oceanview funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Oceanview M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Oceanview
What does Oceanview do?
Oceanview Life and Annuity Company designs, issues, and services a suite of fixed annuity products for retirement savings and income. Its portfolio includes Multi-Year Guaranteed Annuities (MYGAs) — Harbourview MYGA, CurrentRate MYGA, and Sky Harbourview MYGA — and Fixed Indexed Annuities (FIAs) — Harbourview FIA and Oceanview CapLock FIA — offering principal protection, guaranteed or index-linked interest crediting, tax deferral, and optional income and death benefit features.
Is Oceanview a public or private company?
Oceanview is a private company. It is classified as corporate owned and is currently operating.
When was Oceanview founded?
Oceanview was founded in 1965. It employs 11 to 50 people.
Where is Oceanview based?
Oceanview is headquartered in Phoenix, United States, in the North America region.
How does Oceanview make money?
One revenue line is on record: annuity Premium Revenue.
Who are Oceanview's main competitors?
Direct peers on record are Pacific Life, Sammons Financial Group (North American Company) and Fidelity & Guaranty Life (F&G). Broad incumbents are Lincoln Financial Group, Athene Holding (Apollo), Allianz Life, Brighthouse Financial, Corebridge Financial (AIG), Nationwide Financial and Global Atlantic Financial Group.
Does Oceanview have an API?
No public API is recorded for Oceanview.
What industry is Oceanview in?
Oceanview's product category is Fixed Annuities. Its primary akta.pro industry code is FSAIACAA, Fixed Annuities, with a secondary code of FSAIACAK, Multi-Year Guaranteed Annuities (MYGA). Its NAICS code is 52411 and its SIC code is 6311.