Oxford Life Insurance Company has built a reputation for offering retirement-focused annuity solutions that balance security, predictability, and long-term value, making them a strong addition to any agent’s portfolio. Founded in 1965 and backed by the U‑Haul Holding Company, Oxford Life brings financial strength and product simplicity that appeal to both agents and clients.
Their annuity offerings are structured to support conservative investors, seniors, and pre-retirees seeking guaranteed income, market-linked growth potential, or multi-year guaranteed rates.
Oxford Life Annuity Portfolio Overview
Multi-Year Guaranteed Annuities (MYGAs)
Oxford Life’s Multi-Select MYGAs provide guaranteed interest rates for 3–10 years, giving clients predictable, steady returns without market exposure. These are ideal for risk‑averse customers wanting dependable growth and tax‑deferred accumulation.
Fixed Indexed Annuities (FIAs)
Products like Royal Select and Silver Select offer market-linked interest crediting with built‑in downside protection, ensuring clients never lose principal due to market declines. Premium bonuses, which is up to 8% on some products, boost accumulation from day one, making these annuities attractive for long-term retirement planning.
Select-Series Fixed Indexed Annuities
Select-Series annuities provide various crediting strategies with competitive caps and durations from 3 to 10 years, helping agents tailor solutions to different client timelines.
Benefits for Insurance Agents
Why Agents Choose to Sell Oxford Life Annuities
- High financial ratings and strong parent-company backing, increasing client trust and closing ratios.
- Streamlined application processes, reducing paperwork and speeding up submissions.
- Competitive payout options with guaranteed lifetime income riders available.
- Responsive agent service support, including regional directors and a 24/7 accessible agent portal.
- Agent-focused tools, calculators, training videos, state approval charts, and webinars.
Oxford Life has also introduced client‑friendly calculators, such as the Prosperity Select Combo Calculator, to help agents visually demonstrate tax‑efficient planning strategies.
Benefits for Your Clients
Customer Advantages of Oxford Life Annuities
- Guaranteed, tax‑deferred growth through MYGAs.
- Zero market-loss risk with FIAs featuring a guaranteed 0% floor.
- Premium bonuses of 4%–8% on selected products, boosting accumulation immediately.
- Diversified interest-crediting choices tied to well‑known indices such as the S&P 500.
- Lifetime income options via Guaranteed Lifetime Withdrawal Benefits (GLWB).
Agent Resources & Quick Links
- Agent Portal: Access applications, pending business, commissions, product forms, and more
- Training videos, upcoming webinars, calculators, and approval charts
- Fixed annuity rates overview
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Disclaimer – This material is for informational and example purposes only and is not a contract. Product features, benefits, rates, underwriting guidelines, and availability are subject to change at any time without notice. For the most current and complete details, please refer to official Oxford Life Annuities documentation and resources.