The Solution 4% Bonus

Many of us are faced with the concern of outliving our retirement savings, especially since seniors are living longer and more active lives. The Solution 4% Bonus is a flexible premium, tax-deferred annuity, designed to maximize your savings. This annuity is a safe choice for your money and offers a 4% premium bonus to increase your savings. More information regarding the policy features can be found below.

The Solution 4% Bonus Policy Features

Available to owners and annuitants through the age of 80
Annuity interest income grows tax-deferred
Avoids the risk of loss due to stock market fluctuations
Immediately receive a 4% bonus on all premiums paid in the first contract year, in addition to the competitive credited interest rate
Interest rates set by Oxford Life^® each contract year 1
Flexibility to add premium as often as you want 2
Annuity interest income grows tax-deferred
No sales or administrative fees
May avoid cost and delays of probate, allowing more for your loved ones
Lifetime income available as just one of several payout options
Access to your money when needed most:
- Penalty free withdrawals of interest during year one
- 10% free withdrawal of accumulation value after year one
- Waiver of Surrender/Withdrawal Charges for 3:
  - Home Health Care Benefit
  - Terminal Illness Benefit
  - Nursing Home Benefit

Return to Annuity Products Request More Information View Our Current Interest Rates The Solution 4% Bonus Brochure

Benefits of a Premium Bonus

Surrender/Withdrawal Charge Schedule

Contract Year	1	2	3	4	5	6	7	8	9	10	11+
Charge for Surrender/Withdrawal	10%	9%	8%	7%	6%	5%	4%	3%	2%	1%	0%

Since you can never predict the future, it’s comforting to have the ability to access your money when needed most. If you surrender or withdrawal funds from your annuity before the end of the seventh contract year, surrender/withdrawal charges will not be applied in the following cases:

All interest earned on your initial premium deposit, only in the first contract year, may be withdrawn immediately
10% Free Withdrawal Provision after the first contract year
Waiver of Surrender/Withdrawal Charges for 3:
- Home Health Care Benefit
- Terminal Illness Benefit
- Nursing Home Benefit

1 Interest rates are guaranteed for the first contract year. After the first contract year, Oxford Life will declare new interest rates each year thereafter; however, the interest rates are guaranteed never to fall below 1%. All guarantees made are that of Oxford Life Insurance Company^®.

2 The minimum premium amount to get started is $5,000 (non-qualified) and $2,000 (qualified). Additional premiums of $100 or more are accepted. The sum of all premiums may not exceed $250,000 without prior company approval.

3 Withdrawals of earnings will be subject to income tax and may be subject to a 10% IRS penalty tax, if taken prior to age 59 ½. It is important to evaluate whether an annuity is appropriate for you. Consider your age, income, net worth, tax status, financial objectives, liquidity needs, time horizon, risk tolerance and other relevant information.

The Solution 4% Bonus Annuity Information Request

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The Solution 4% Bonus