A Different Kind of MYGA Conversation

For clients who want the protection and simplicity of a MYGA but are hesitant to lock into one long-term declared rate.

Why CurrentRate® MYGA?

  • Guaranteed first-year rate
  • Annual rate updates after year one
  • Transparent interest-crediting methodology
  • Principal protection from market loss*
  • Tax-deferred growth

After the first contract year, interest rates are determined pursuant to the contract's interest-crediting methodology, which is tied to the 1-Year U.S. Treasury Rate plus a guaranteed spread. Future rates may increase or decrease.

CurrentRate MYGA Sales Kit

  • Product Brochure
  • Product Specs
  • Agent Guide
  • Current Rate Sheet

FOR FINANCIAL PROFESSIONALS USE ONLY. Not to be distributed to the general public. Oceanview’s Fixed Annuity Contract [ICC26 OLA SPDA – CurrentRate], product riders and state variations. Policy form numbers and provisions may vary. May not be available in all states. Rates are guaranteed depending on the guarantee period selected at policy issue, subject to contract terms. For clients of our Fixed Annuity contract, within 30 days prior to the end of the Initial Interest Guarantee Period, we will send you a notification informing you of the date the Guarantee Period is ending and provide the first year guarantee rate and Surrender Charges in effect for the subsequent Guarantee Period.

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 refer to the contract for complete details, including features, limitations, and charges.

A.M. Best Rating as of February, 11, 2026, 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.

As each client and prospective client’s financial needs differ, care should be taken in making any recommendation to purchase an annuity. Therefore, nothing in this document should be read as investment advice.

Neither Oceanview Life and Annuity Company nor any of its representatives may provide tax or legal advice. Clients should consult their own qualified tax or legal advisors.

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.

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.

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.