Oxford Life ® - Let Our Knowledge Be Your Security®.

Retirement Security
Competitive Rate
Tax-Deferred Growth

Retirement security takes planning

Our annuities can help

TAX-DEFERRED GROWTH
You will not pay taxes on your annuity interest income until you withdraw funds from your annuity. Taxes on the interest credited to your annuity are currently deferred by state and federal law until withdrawn, when your marginal tax rate may be lower.
     • Earn interest on your Premium.
     • Earn interest on your interest.
     • Earn interest on your dollars that you would have.

normally paid in federal or state income taxes

ACCESSIBILITY
10% Free Withdrawal

The Solution Series Annuity has a guaranteed, penalty-free withdrawal option. Once each year, after the first Contract Year, you may access up to 10% of your Accumulation Value without paying any withdrawal charges.

Waiver of Withdrawal Charge
Terminal Illness Benefit – If you are first diagnosed as being Terminally Ill more than one year after the Contract Date, you may surrender this Contract for its Accumulation Value without reduction for any withdrawal charge.

Nursing Home Benefit – If you are first diagnosed as being Chronically Ill more than one year after the Contract Date, are confined to a Nursing Home, and have been for the previous 90 days, you may make withdrawals from this Contract without reduction for any withdrawal charge.

Home Health Care Benefit – If you are first diagnosed as being Chronically Ill more than one year after the Contract Date, are receiving Home Health Care, and have been for the previous 90 days, you may make withdrawals from this Contract without reduction for any withdrawal charge.

NO SALES OR ADMINISTRATIVE FEES
You receive interest on 100% of your Accumulation Value, less withdrawals, and less any applicable state premium taxes.

PREMIUM
The minimum to get started is $5,000 (non-qualified) and $2,000 (qualified). CDs and IRA rollovers can provide a source of premium. Additional Premiums of $100 or more are accepted. The sum of all premiums may not exceed $250,000 without prior company approval.

ISSUE AGE
The Solution Series is available to Owners and Annuitants with issue ages through age 80.

DEATH BENEFIT
The death benefit will equal the full Accumulation Value with all Withdrawal Charges waived.

SETTLEMENT OPTIONS (ANNUITIZATION)
• Period Certain Payments: Equal payments for a fixed
   period of up to 30 years;
• Life Annuity: Equal payments will be made for the life
   of the Annuitant;
• Life Income with Guaranteed Period Certain: Equal
   payments will be made for the longer of the Annuitant’s
   remaining lifetime or the period certain;
• Other Forms of Payment are available upon request.

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