Oxford Life Insurance Company®

Oxford Life Insurance Company®

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Why Oxford Life Annuities?

Oxford Life Insurance Company was founded in the Grand Canyon state of Arizona in 1965, and they have a special emphasis on annuity products.

Oxford offers four annuities:

  1. Royal Select
  2. Silver Select
  3. Select Series
  4. Multi-Select

Oxford Life has an AM Best Rating of A-.

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State Availability

Oxford Life has a comprehensive state availability chart for all of their products – check it out here.

Royal Select: Fixed Indexed Annuity

Oxford's Royal Select Annuity offers you the opportunity to benefit from the increase of the stock market without the downside risk of owning stock. As soon as you deposit funds into this annuity, the accumulation value grows immediately by 8%. At the time of application, you may elect the optional Guaranteed Lifetime Withdrawal Benefit rider designed to generate a higher level of guaranteed lifetime income.

  • 8% Premium Bonus - the highest premium bonus Oxford Life offers.
  • Premium bonus applied to your accumulation value and income account value should you elect the GLWB rider at the time of application
  • Designed for long-term accumulation of funds and building retirement income
  • Both single and joint payout options are available
  • Guaranteed Lifetime Withdrawal Benefit (GLWB) - for an additional annual fee of only .95% of the accumulation value
  • Ability to start and stop income at any time
  • Income account accumulates at a rate of 6.75% - the income account may not be distributed as a lump sum and is only used to calculate the monthly GLWB payments
  • Interest withdrawal available at issue

Silver Select: Fixed Indexed Annuity

Oxford's Silver Select Annuity offers you the opportunity to benefit from the increase of the stock market without the downside risk of owning stock. As soon as you deposit funds into this annuity, the accumulation value grows immediately by 4%. At the time of application, you may elect the optional Guaranteed Lifetime Withdrawal Benefit rider designed to generate a higher level of guaranteed lifetime income.

  • 4% Premium Bonus - Balancing higher caps and a strong bonus
  • Premium bonus applied to your accumulation value and income account value should you elect the GLWB rider at the time of application
  • Designed for long-term accumulation of funds and building retirement income
  • Both single and joint payout options are available
  • Guaranteed Lifetime Withdrawal Benefit (GLWB) - for an additional annual fee of only .95% of the accumulation value
  • Ability to start and stop income at any time
  • Income account accumulates at a rate of 6.75% - the income account may not be distributed as a lump sum and is only used to calculate the monthly GLWB payments
  • Interest Only Withdrawals during year one
  • 10% Free Withdrawal Provision after the first contract year

Select Series: Fixed Indexed Annuity

With the Select Series Annuity, policyholders will enjoy guaranteed safety of principal along with the opportunity to participate in the potential growth of the S&P 500 Index without subjecting their principal to market risk. At the time of application, this product also allows you to elect the optional Guaranteed Lifetime Withdrawal Benefit rider designed to generate a higher level of guaranteed lifetime income.

  • 3-Year, 5-Year, 7-Year or 10-Year durations
  • Designed for long-term accumulation of funds and building retirement income
  • Guaranteed Lifetime Withdrawal Benefit (GLWB) - for an additional annual fee of only .95% of the accumulation value
  • Ability to start and stop income at any time
  • Income account accumulates at a rate of 6.75%. The income account may not be distributed as a lump sum and is only used to calculate the monthly GLWB payments
  • Waiver of withdrawal charges rider for terminal illness, home healthcare and nursing home
  • 10% Free Withdrawal Provision after year one

Multi-Select: Multi-Year Guaranteed Annuity

Enjoy the stability of predictable growth for a time period you choose. The Multi-Select® Annuity offers an interest rate that is guaranteed for a time period of your choice so the growth of your account is steady and predictable.

  • Interest rate is locked-in and guaranteed for the period you choose
  • Designed for long-term accumulation of funds and building retirement income
  • Access to your money when needed most – Interest Withdrawals during year one and 10% Free Withdrawal Provision after year one
  • Guaranteed Lifetime Withdrawal Benefit (GLWB) for an additional annual fee of only 0.50% of the accumulation value
  • The GLWB allows you to elect Lifetime Withdrawals to generate a stream of income you can never outlive
  • Ability to start and stop income at any time

New to Annuity Sales?

Annuity sales are a huge opportunity for independent agents in the senior market. If you want to learn how to sell annuities to seniors, you've come to the right place!

Check out our complete guide here: The Ultimate Guide to Selling Annuities In the Senior Market

Also, check out this video from annuity all-star, Michael Sams:

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This product may be available in other states not listed. Please contact us to inquire.