On The Move – August 5, 2025

August 6, 2025 – Effective Date of Change

Oceanview Life and Annuity

Fixed Indexed Annuity

Harbourview FIA 10 20,000+

• 1 Year S&P 500 Annual Point to Point w/ Cap:  Cap 9.5% 
• 1 Year S&P 500 Annual Point to Point w/ Participation:  Part Rate 55%
• 1 Year S&P 500 Monthly Average w/ Cap:  Cap 7% 
• 1 Year Fixed Rate Account:  Rate: 9%
• 2 Year S&P 500 Point to Point w/ Participation Rate:  Part Rate 70%
• 1 Year Russell 2000 Annual Point to Point w/ Cap:  Cap 9.5% 
• 1 Year Nasdaq-100 Annual Point to Point w/ Cap:  Cap 9.5% 
• 1 Year S&P 500 Daily Risk Control 5% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 180%
• 1 Year S&P 500 Daily Risk Control 10% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 90%

Harbourview FIA 10 CA 20,000+

• 1 Year S&P 500 Daily Risk Control 5% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 180%
• 1 Year S&P 500 Daily Risk Control 10% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 90%
• 1 Year Russell 2000 Annual Point to Point w/ Cap:  Cap 9.5% 
• 1 Year Nasdaq-100 Annual Point to Point w/ Cap:  Cap 9.5% 
• 1 Year S&P 500 Annual Point to Point w/ Cap:  Cap 9.5% 
• 1 Year S&P 500 Annual Point to Point w/ Participation:  Part Rate 45%
• 1 Year S&P 500 Monthly Average w/ Cap:  Cap 7% 
• 2 Year S&P 500 Point to Point w/ Participation Rate:  Part Rate 60%
• 1 Year Fixed Rate Account:  Rate: 9%

Harbourview FIA 3 20,000+

• 1 Year Russell 2000 Annual Point to Point w/ Cap:  Cap 7.5% 
• 1 Year Nasdaq-100 Annual Point to Point w/ Cap:  Cap 7.5% 
• 1 Year S&P 500 Daily Risk Control 5% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 140%
• 1 Year S&P 500 Daily Risk Control 10% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 70%
• 1 Year S&P 500 Annual Point to Point w/ Cap:  Cap 7.5% 
• 1 Year S&P 500 Annual Point to Point w/ Participation:  Part Rate 70%
• 2 Year S&P 500 Point to Point w/ Participation Rate:  Part Rate 75%
• 1 Year S&P 500 Monthly Average w/ Cap:  Cap 4% 
• 1 Year Fixed Account:  Rate: 4%

Harbourview FIA 3 CA 20,000+

• 1 Year S&P 500 Annual Point to Point w/ Cap:  Cap 7.5% 
• 1 Year S&P 500 Annual Point to Point w/ Participation:  Part Rate 60%
• 2 Year S&P 500 Point to Point w/ Participation Rate:  Part Rate 65%
• 1 Year S&P 500 Monthly Average w/ Cap:  Cap 4% 
• 1 Year Fixed Account:  Rate: 4%
• 1 Year S&P 500 Daily Risk Control 5% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 140%
• 1 Year S&P 500 Daily Risk Control 10% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 70%
• 1 Year Russell 2000 Annual Point to Point w/ Cap:  Cap 7.5% 
• 1 Year Nasdaq-100 Annual Point to Point w/ Cap:  Cap 7.5% 

Harbourview FIA 5 20,000+

• 1 Year Russell 2000 Annual Point to Point w/ Cap:  Cap 9% 
• 1 Year Nasdaq-100 Annual Point to Point w/ Cap:  Cap 9% 
• 1 Year S&P 500 Daily Risk Control 5% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 140%
• 1 Year S&P 500 Daily Risk Control 10% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 70%
• 2 Year S&P 500 Point to Point w/ Participation Rate:  Part Rate 75%
• 1 Year S&P 500 Annual Point to Point w/ Cap:  Cap 9% 
• 1 Year S&P 500 Annual Point to Point w/ Participation:  Part Rate 65%
• 1 Year S&P 500 Monthly Average w/ Cap:  Cap 5% 
• 1 Year Fixed Account:  Rate: 4%

Harbourview FIA 5 CA 20,000+

• 1 Year S&P 500 Annual Point to Point w/ Cap:  Cap 9% 
• 1 Year S&P 500 Annual Point to Point w/ Participation:  Part Rate 55%
• 1 Year S&P 500 Monthly Average w/ Cap:  Cap 5% 
• 2 Year S&P 500 Point to Point w/ Participation Rate:  Part Rate 65%
• 1 Year Fixed Account:  Rate: 4%
• 1 Year S&P 500 Daily Risk Control 5% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 140%
• 1 Year S&P 500 Daily Risk Control 10% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 70%
• 1 Year Russell 2000 Annual Point to Point w/ Cap:  Cap 9% 
• 1 Year Nasdaq-100 Annual Point to Point w/ Cap:  Cap 9% 

Harbourview FIA 7 20,000+

• 1 Year Russell 2000 Annual Point to Point w/ Cap:  Cap 9% 
• 1 Year Nasdaq-100 Annual Point to Point w/ Cap:  Cap 9% 
• 1 Year S&P 500 Daily Risk Control 5% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 160%
• 1 Year S&P 500 Daily Risk Control 10% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 80%
• 2 Year S&P 500 Point to Point w/ Participation Rate:  Part Rate 70%
• 1 Year S&P 500 Annual Point to Point w/ Cap:  Cap 9% 
• 1 Year S&P 500 Annual Point to Point w/ Participation:  Part Rate 55%
• 1 Year S&P 500 Monthly Average w/ Cap:  Cap 6% 
• 1 Year Fixed Account:  Rate: 8%

Harbourview FIA 7 CA 20,000+

• 1 Year S&P 500 Annual Point to Point w/ Cap:  Cap 9% 
• 1 Year S&P 500 Annual Point to Point w/ Participation:  Part Rate 45%
• 1 Year S&P 500 Monthly Average w/ Cap:  Cap 6% 
• 2 Year S&P 500 Point to Point w/ Participation Rate:  Part Rate 60%
• 1 Year Fixed Account:  Rate: 8%
• 1 Year S&P 500 Daily Risk Control 5% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 160%
• 1 Year S&P 500 Daily Risk Control 10% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 80%
• 1 Year Russell 2000 Annual Point to Point w/ Cap:  Cap 9% 
• 1 Year Nasdaq-100 Annual Point to Point w/ Cap:  Cap 9%