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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 rates that are 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 rates are 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
A Secure Option For Your Retirement Savings
Jane originally purchased a
$100,000
non-qualified mutual fund a number of years ago
The portfolio suffered losses of $25,000 to diminish the value to only $75,000

Jane would like to eliminate stock market risk, but she is concerned about the loss of capital suffered in the stock market
Recommendation: Jane sells the stock portfolio and may possibly be able to write-off the $25,000 capital loss on her income taxes. 4

The remaining value of $75,000 is placed into an Oxford Life Five -Year Guarantee Annuity
The Oxford Life Five-Year Guarantee Annuity guarantees Jane’s account premium deposit is safe from stock market risk.

The interest rates are locked in immediately for the next five years.
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

Notes:

1 Interest rates are guaranteed for five years and will not change until after the fifth contract year. Your interest rates are based on your account value and are 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.