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Flexibility and Control - choose your own direction
Today, more than ever, you need more options to properly achieve your goals. This is what the Affluence™ Fixed Indexed Annuity is all about! A fixed indexed annuity combines features of a traditional fixed annuity with the opportunity to allocate money into three accounts, two of which are linked to the S&P 500®. Oxford Life™’s Affluence™ Annuity does not directly participate in any stock or equity investments and any participation does not include dividends. As an Affluence™ Annuity owner, you can utilize the three accounts to achieve various objectives. You can concentrate your money into one account or a blend of several.

BE CONFIDENT IN YOUR CHOICE
The Affluence™ Annuity offers a variety of premium allocation strategies from which to choose. These diverse financial planning options include:

THE MARKET?
Choose the Affluence™ Annuity and watch your dollars grow based on a declared interest rate. If you cannot decide between market growth and a fixed rate, you can allocate your accumulation value among the three options.

How can you increase your income without risking your original capital? Annuities are a conservative,
tax-deferred, wealth accumulation vehicle. The Affluence™ Annuity offers substantial liquidity to meet your needs. Oxford Life™’s conservative product
portfolio has the financial strength to provide the
guarantees of the highest quality annuities.

You will not pay taxes on your annuity interest income until you take it out of your annuity. Taxes on the interest credited to your annuity are currently deferred by the Federal and State Governments until withdrawn.
• 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

Depending on the income option you choose, the Affluence™ Annuity guarantees that your monthly income check will remain the same. Once an income option is selected, the periodic income will never be reduced due to interest rate adjustments, bond price changes or fluctuations in the S&P 500.

LOCKING IN INTEREST RATES?

To offset the effects of inflation, Fixed Indexed Annuities offer potentially higher benefits linked to the appreciation of the S&P 500. You cannot lose
previously credited interest.

PROBATE COSTS?
Your fixed indexed annuity, with a properly designated beneficiary, may bypass the probate process and thus avoid probate administrative costs, fees, delays and publicity. Therefore, upon your death, more of your money will go where you intended it to go.
Wealth Accumulation Strategies

FIXED ACCOUNT OPTION
For a simple and secure crediting rate over time, the Fixed Account Option will provide the consistent earnings that you are looking for. It is designed to provide returns similar to traditional fixed annuities and other conservative accumulation vehicles.
Under this option, interest is credited daily and is guaranteed each year when declared.

INDEX OPTIONS
There are two options for determining how Index gains can be credited to your account. Interest earnings on each of the two Index account options are linked to the S&P 500, a popular measure of the U.S. stock market
performance. Earnings are credited annually and are related to the annual appreciation of the Index.

The participation rate decides how much of the increase in the index will be used to calculate index-linked interest. Some
companies may set a different participation rate for newly issued annuities as often as each day. Others may guarantee the
participation rate for a specific period of time. At Oxford Life™, the Affluence™ Fixed Indexed Annuity guarantees that your
participation rate will always be 100%.

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