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Oxford Life® Income Protector™ Annuity

Enjoy the stability of predictable growth combined with an option of lifetime income. The Oxford Life® Income Protector™ offers an interest rate that is guaranteed for five years, so the growth of your account is steady and predictable. A guaranteed lifetime withdrawal benefit is automatically included and designed to provide a higher level of accumulation should you elect a guaranteed income for life. Please see below for more product information.

Income Protector™ Annuity Policy Features

  • Interest rate is locked-in and guaranteed for five years1
  • Designed for long-term accumulation of funds and building retirement income
  • Guaranteed Lifetime Withdrawal Benefit (GLWB) – no additional charge or fee
    • Income account accumulates at a rate 5.0% higher than the base annuity – the income account may not be distributed as a lump sum and is only used to calculate the monthly GLWB payments2
    • Both single and joint payout options are available3
    • Ability to start and stop income at any time4
  • Two interest rate bands - Get the highest rate with as little as $25,000
  • Access to your money when needed most:
    • Penalty Free Interest Only Withdrawals during year one
    • 10% Free Withdrawal Provision after year one
Return to Annuity Products Request More Information View Our Current Interest Rates Oxford Life® Income Protector™ Annuity Brochure
A Secure Option For Your Retirement Savings
Surrender/Withdrawal Charge Schedule
1 Interest rate is guaranteed for five years and will not change until after the fifth contract year. Your interest rate is based on your account value and is guaranteed never to fall below 1%. All guarantees made are that of Oxford Life Insurance Company®.
2 Income Account growth is used only for the purpose of calculating the GLWB and is not available as a cash surrender or lump sum at any time.
3 Joint Life Payout is based on the lives of the Owner and the Owner’s spouse who is the sole Beneficiary and is available only in this scenario.
4 GLWB payments decrease the accumulation value on a dollar per dollar basis. If you choose to stop GLWB payments, you cannot apply the amounts not received to any future GLWB payments.
* Neither Oxford Life Insurance Company®, its affiliates, nor any of its representatives may provide tax or legal advice. Individuals should consult their tax advisor or legal counsel for specific advice and information regarding their individual situation. The Oxford Life Income Protector™ annuity is issued by Oxford Life Insurance Company®. Oxford Life assumes the investment risk and guarantees payment, subject to its claims-paying ability. Withdrawals and other distributions of taxable amounts, including death benefit payouts, will be subject to ordinary income tax. If withdrawals and other distributions are taken prior to age 591/2, a 10% federal tax penalty may apply. Withdrawals will reduce the value of the death benefit. Oxford Life Insurance Company® is licensed to issue individual life insurance and annuity products in all states except New York and Vermont. For use with Oxford Life policy forms SPMGA-MVA, GLWB100 and state-specific variations where applicable. Product not available in all states. All guarantees made are that of Oxford Life Insurance Company®. Not a bank or credit union guarantee. Not FDIC/NCUA insured. Not insured by any federal government agency. A comprehensive description of the policy benefits, costs, exclusions, limitations and terms is available to you upon request.