Oxford Life^® Five-Year Guarantee Annuity

Although investing in the stock market may be appealing, the unpredictable losses can be devastating. Just because life takes an unforeseen turn, that doesn’t mean your retirement savings should too. The Oxford Life^® Five-Year Guarantee Annuity can help you avoid the volatility of the stock market with interest rate that is locked-in and guaranteed never to change for the first five years. More information regarding the policy features can be found below.

Five-Year Guarantee Annuity Policy Features

Interest rate is locked-in and guaranteed for the first five years1
Three interest rate bands - To get the highest rate band you need as little as $50,000
30-day window of time in which you may withdraw all or part of your funds without charges 2
Modified single premium annuity
Designed for long-term accumulation of funds and building retirement income
Several income options available - including lifetime payouts
Access to your money when needed most:
- Penalty Free Interest Only Withdrawls during year one
- 10% Free Withdrawal Provision after year one
- Waiver of Surrender/Withdrawal Charges for 3:
  - Home Health Care Benefit
  - Terminal Illness Benefit
  - Nursing Home Benefit

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A Secure Option For Your Retirement Savings

Surrender/Withdrawal Charge Schedule

Policy Year	1	2	3	4	5	First 30 Days	6	7	8	9	10	11+
Surrender Charge	10%	9%	8%	7%	6%	0%	5%	4%	3%	2%	1%	0%

Surrender/withdrawal charges apply during the first ten contract years. The early surrender/withdrawal charge is 10% in the first year and reduces 1% each year thereafter. After the fifth contract year, there is a 30-day window of time, beginning in the sixth year, in which you may withdraw all or part of your funds without any surrender/withdrawal charges. If you surrender or withdrawal funds from your annuity before the end of the tenth contract year, excluding the 30-day window, 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All interest earned on your initial premium deposit, only in the first contract year, may be withdrawn immediately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 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 2%. All guarantees made are that of Oxford Life Insurance Company^®.

2 Surrender/withdrawal charges apply during the first ten years. After the fifth contract year, there is a 30-day window of time, beginning in the sixth contract year, in which you may withdraw all or part of your funds without any surrender/withdrawal charges. The 30-day window is not applicable in the state of Missouri.

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.

4 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.

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Oxford Life Insurance®

Oxford Life® Five-Year Guarantee Annuity

Five-Year Guarantee Annuity Policy Features

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Oxford Life^® Five-Year Guarantee Annuity