Oceanview Life and Annuity Company holds an A (Excellent) rating from AM Best and has built a strong following among MYGA buyers for one primary reason: the Harbourview MYGA series consistently ranks among the highest-yielding fixed annuities available. Based in Topeka, Kansas, Oceanview is a specialized fixed annuity carrier, it offers no variable annuities, no FIAs, no income riders. Just highly competitive guaranteed rates backed by strong financial ratings.
This review covers Oceanview’s financial strength, the Harbourview MYGA lineup, and contact information.
Oceanview at a Glance
| Detail | Information |
|---|---|
| Full Legal Name | Oceanview Life and Annuity Company |
| Headquarters | Topeka, Kansas |
| Founded | 2006 |
| AM Best Rating | A (Excellent) |
| Products Offered | MYGAs only (Harbourview series) |
| Available Terms | 2, 3, 4, 5, 6, and 7 years |
| States Available | Most states (check availability by state) |
| Minimum Premium | $5,000 |
Oceanview’s Financial Strength
Oceanview holds an A (Excellent) from AM Best, confirmed through AM Best’s most recent rating affirmation. For a carrier founded in 2006, reaching and maintaining AM Best’s A-rated tier is a meaningful financial achievement, it reflects consistent reserve adequacy, investment quality, and claims-paying ability under AM Best’s rigorous review process.
As a Kansas-domiciled carrier, Oceanview operates under the oversight of the Kansas Insurance Department. State guaranty associations provide backstop protection up to state-specific limits. Coverage limits vary by state; see NOLHGA.com for details.
The Oceanview Harbourview MYGA Series
The Harbourview MYGA is Oceanview’s flagship, and only, product line. Available in six term lengths (2 through 7 years), Harbourview annuities lock in a guaranteed interest rate for the entire term with no market exposure and no fluctuating yields.
What makes Harbourview stand out is consistent rate competitiveness. Across most term lengths, Harbourview regularly appears at or near the top of multi-carrier MYGA rate comparisons, often 10 to 40 basis points above A-rated peers. For buyers allocating $100,000 over 5 years, a 25 basis point rate advantage translates to approximately $1,300 in additional guaranteed interest at maturity.
There are no income riders, FIA crediting strategies, or variable components. Harbourview is a straightforward guaranteed accumulation product. You deposit your premium, your rate is locked, and your money grows at that rate for the full term.
Current Oceanview Harbourview MYGA Rates
Current Oceanview Harbourview rates from our live rate feed:
Current MYGA Rates
Live rates from AnnuityRateWatch · Rates updated July 26, 2026
| Product | Term | Rate (APY) | Min Premium | Last Rate Change | |
|---|---|---|---|---|---|
|
Harbourview 2
AM Best A |
2 Years | 4.95% | $70,000+ | Jul 15, 2026 | View Details → |
|
Harbourview 2
AM Best A |
2 Years | 4.95% | $100,000+ | Jul 15, 2026 | View Details → |
|
Harbourview 2
AM Best A |
2 Years | 4.6% | $20,000+ | Jul 15, 2026 | View Details → |
|
Harbourview 3
AM Best A |
3 Years | 5.05% | $70,000+ | Jul 15, 2026 | View Details → |
|
Harbourview 3
AM Best A |
3 Years | 5.05% | $100,000+ | Jul 15, 2026 | View Details → |
|
Harbourview 3
AM Best A |
3 Years | 4.7% | $20,000+ | Jul 15, 2026 | View Details → |
|
Harbourview 4
AM Best A |
4 Years | 5.45% | $70,000+ | Jul 15, 2026 | View Details → |
|
Harbourview 4
AM Best A |
4 Years | 5.45% | $100,000+ | Jul 15, 2026 | View Details → |
|
Harbourview 4
AM Best A |
4 Years | 5.1% | $20,000+ | Jul 15, 2026 | View Details → |
|
Harbourview 5
AM Best A |
5 Years | 5.25% | $70,000+ | Jul 15, 2026 | View Details → |
|
Harbourview 5
AM Best A |
5 Years | 5.25% | $100,000+ | Jul 15, 2026 | View Details → |
|
Harbourview 5
AM Best A |
5 Years | 4.9% | $20,000+ | Jul 15, 2026 | View Details → |
|
Harbourview 6
AM Best A |
6 Years | 5.6% | $70,000+ | Jul 15, 2026 | View Details → |
|
Harbourview 6
AM Best A |
6 Years | 5.6% | $100,000+ | Jul 15, 2026 | View Details → |
|
Harbourview 6
AM Best A |
6 Years | 5.25% | $20,000+ | Jul 15, 2026 | View Details → |
|
Harbourview 7
AM Best A |
7 Years | 5.5% | $70,000+ | Jul 15, 2026 | View Details → |
|
Harbourview 7
AM Best A |
7 Years | 5.5% | $100,000+ | Jul 15, 2026 | View Details → |
|
Harbourview 7
AM Best A |
7 Years | 5.15% | $20,000+ | Jul 15, 2026 | View Details → |
|
Harbourview 10
AM Best A |
10 Years | 5.8% | $70,000+ | Jul 15, 2026 | View Details → |
|
Harbourview 10
AM Best A |
10 Years | 5.8% | $100,000+ | Jul 15, 2026 | View Details → |
|
Harbourview 10
AM Best A |
10 Years | 5.45% | $20,000+ | Jul 15, 2026 | View Details → |
Rates apply to standard products. State availability varies. Not an offer or solicitation. Always verify current rates before purchasing.
Who Is Oceanview Best For?
- Rate-first MYGA buyers: If your primary goal is maximizing your guaranteed yield from a top-rated carrier, Oceanview Harbourview belongs in every comparison. It consistently outpaces many A+ carriers on rate.
- CD alternative buyers: For clients moving from bank CDs to MYGAs for higher yields, the Harbourview structure mirrors what CD buyers already understand, deposit your money, earn a guaranteed rate, access it at maturity.
- Conservative, CD-style savers: Buyers who want a predictable guaranteed rate from an A-rated carrier.
- Multi-carrier MYGA ladder builders: Buyers who want to spread a larger allocation across multiple term lengths and carriers can pair Oceanview (for rate) with a higher-rated carrier like MassMutual or Athene (for maximum financial strength).
Frequently Asked Questions About Oceanview
Is Oceanview a safe company for annuities?
Oceanview holds an A (Excellent) rating from AM Best, which indicates a strong ability to meet ongoing policyholder obligations. State guaranty associations provide backstop protection up to state-specific limits. Coverage limits vary by state; see NOLHGA.com for details. Always verify both the current rating and your state’s coverage limits.
What types of annuities does Oceanview offer?
Oceanview offers MYGAs, fixed index annuities, variable annuities through independent agents and financial professionals. Product availability, rates, and features vary by state. Use our rate comparison tool to see what’s currently available from Oceanview and competing carriers.
How do I buy an annuity from Oceanview?
Oceanview annuities are sold through licensed insurance agents and financial professionals. My Annuity Store is an independent platform that can quote Oceanview alongside 90+ top annuity companies so you can compare rates, terms, and financial strength ratings in one place. Request a free quote or call 855-277-8088 to get started.
Contact Oceanview
| Contact Method | Details |
|---|---|
| Website | www.oceanviewlife.com |
| Customer Service | 1-800-781-3357 |
| Mailing Address | Oceanview Life and Annuity Company 534 S Kansas Ave, Suite 1400 Topeka, KS 66603 |
| Hours | Monday–Friday, 8 a.m.–5 p.m. CT |
Compare Oceanview Against Other Carriers: My Annuity Store compares Oceanview Harbourview rates against 90+ top annuity companies, including MassMutual, Athene, and Midland National. Get a free rate comparison or call 855-277-8088.
Additional Oceanview Resources
Oceanview Life and Annuity Company Pros and Cons
Pros
- A (Excellent) AM Best rating
- Harbourview MYGA series consistently offers among the highest available rates
- Available in 2-, 3-, 4-, 5-, 6-, and 7-year terms - broad maturity options
- Simple, transparent product structure - no complex riders
Cons
- Newer carrier (founded 2006) - shorter operating history than legacy companies
- MYGA-only carrier - no FIA, SPIA, or income rider options
- Smaller asset base relative to major carriers
