Oxford Life Insurance®

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Annuities

Life is full of unexpected events and often times, leaves us feeling uneasy, especially when choosing a retirement savings option. Oxford Life’s deferred annuity provides you with competitive interest rates and access to your money if unanticipated hardships arise. Learn more about our annuity products below.

Oxford Life® Annuity

Oxford Life® Income Protector™ Annuity – This unique single premium annuity provides stability with an interest rate that is locked-in and guaranteed for the first five contract years and a benefit that provides income for life at no additional charge.

See How the Oxford Life® Income Protector™ Annuity Compares

Oxford Life® Income Protector™ Annuity Compared to Other Retirement Savings Options
Oxford Life® Annuities CD/MM Stocks
Tax-Deferred Accumulation Yes No No
Avoids Market Risk Yes Yes No
Avoids Probate Costs Yes No No
Accelerated Benefit Provided Yes No No
Guaranteed Values Yes Yes No
Access to Portion of Funds Without Fees Yes No No
Income for Life Yes No No
The Power of Tax Deferral

An Annuity Versus a CD

Using a conservative interest rate, a CD paying 3% interest will grow by 56% in 20 years. The same money in a tax-deferred annuity with a 3% interest rate will grow by 69% in 20 years, resulting in a 13% higher appreciation of your money. If the tax and interest rates are higher, the difference on the return is even greater with tax-deferred growth.

This chart illustrates how effective tax deferral can be. A $25,000 initial premium compounded at 3% annually over 20 years grows to $45,153 with taxes deferred. Once taxes are paid on the lump sum distribution, the amount received is $42,130, still much more than the $39,013 earned on a taxable investment over the same time frame.1

Taxable Compared to Tax-Deferred Savings

Notes:

1 Assumes a 25% ordinary income tax assessed yearly on taxable investments and 15% at period end on tax-deferred investments with non-qualified money. All figures were rounded to the nearest dollar amount. Actual tax rates may vary for different taxpayers and assets (e.g., capital gains and qualified dividend income) from that demonstrated. Actual performance of your investment will also vary. Hypothetical returns are not guaranteed and do not represent performance of any particular investment. If a withdrawal or distribution is taken before age 59 ½, a 10% federal tax penalty may apply. Lower maximum tax rates on capital gains and dividends would make the investment return for the taxable investment more favorable, thereby reducing the difference in performance between the investments shown. Consider your personal investment horizon and income tax brackets, both current and anticipated, when making an investment decision.