Oxford Life review

Annuity Atlas covers 13 Oxford Life annuity products with live rates and contract specs. 13 carry full editorial reviews.

Carrier strength

A.M. Best

Products13

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Products covered

A.M. Best

Categories covered

MYGA · FIA

13 Oxford Life annuities

Click any product for rates, specs, and the full peer-group review.

Product	Type	Surrender	Rating	Income rider	Bonus
Multi-Select 6 Buyers who want the highest guaranteed rate currently available anywhere in Oxford Life's Multi-Select ladder, locked for six years	MYGA	6yr	A	—	—	Review →
Multi-Select 10 Savers who specifically want a full decade of guaranteed-rate certainty from an A-rated carrier and don't mind that the rate trails Oxford Life's own shorter Multi-Select terms	MYGA	10yr	A	—	—	Review →
Multi-Select 7 Savers who specifically want a 7-year rate lock from an A-rated carrier and have a reason to prefer the extra year over Oxford Life's own 6-year version	MYGA	7yr	A	—	—	Review →
Multi-Select 5 Savers who want a guaranteed 5-year rate from a solidly rated mid-tier carrier and like having the option to bolt on lifetime income later without committing to it now	MYGA	5yr	A	—	—	Review →
Multi-Select 4 Buyers who want a clean, short-commitment locked rate from an A-rated carrier without paying for features they don't need	MYGA	4yr	A	—	—	Review →
Multi-Select 8 Savers comfortable locking money for a full 8 years who want a straightforward, fee-free base MYGA from a solidly rated carrier	MYGA	8yr	A	—	—	Review →
Multi-Select 9 MYGA-ladder builders who specifically need a 9-year rung, or Oxford Life loyalists who value the A rating over squeezing out the best available rate	MYGA	9yr	A	—	—	Review →
Multi-Select 3 Savers who want a short, CD-like rate lock and may want the option to add lifetime income later without switching carriers	MYGA	3yr	A	—	—	Review →
Royal Select Long-hold accumulation buyers who will leave the money alone for the full 10 years and treat the 8% premium bonus as a stay-put buffer rather than instant cash	FIA	10yr	A	—	8%	Review →
Select Fixed Indexed Annuity 10-Year A long-horizon buyer who wants the highest cap in Oxford Life's Select ladder, a $10,000 entry point, and the only term where the income rider's ten-year roll-up matches the contract	FIA	10yr	A	Yes 0.95% annually fee	—	Review →
Select Fixed Indexed Annuity 3-Year A short-horizon buyer who specifically wants Oxford Life's contract terms and is willing to accept the lowest cap in the family to get the shortest commitment	FIA	3yr	A	Yes 0.95% annually fee	—	Review →
Select Fixed Indexed Annuity 5-Year A five-year buyer who wants fee-free index participation from an A rated insurer and is buying the best-value rung of Oxford Life's Select ladder	FIA	5yr	A	Yes 0.95% annually fee	—	Review →
Select Fixed Indexed Annuity 7-Year A seven-year buyer comparing against other six-and-seven-year contracts, where this one's fee-free structure and above-median cap hold up well	FIA	7yr	A	Yes 0.95% annually fee	—	Review →

Income rider fees

Disclosed charges for optional riders on Oxford Life products, live from Annuity Rate Watch. Product-level detail is on each review.

Rider	Product	Fee
Royal Select GLWB	Royal Select	0.95% annually
Optional Guaranteed Lifetime Withdrawal Benefit	Select Fixed Indexed Annuity 10-Year	0.95% annually

Frequently asked questions

Is Oxford Life a good annuity company?

We have reviewed 13 Oxford Life products, and A.M. Best rates the carrier A for financial strength.

What are the fees for Oxford Life annuities?

Fee structures vary by product. Optional income riders on Oxford Life products carry disclosed charges — for example Royal Select GLWB (Royal Select): 0.95% annually ; Optional Guaranteed Lifetime Withdrawal Benefit (Select Fixed Indexed Annuity 10-Year): 0.95% annually . See each product review for the full fee detail.

What is the surrender period for Oxford Life annuities?

Surrender periods on Oxford Life's current lineup run 3–10 years, depending on the product. Most products allow an annual free-withdrawal amount before charges apply — the product table above shows each product's surrender length, and each review covers the exact schedule.

Sources & standards

How we know what's on this page

Rates, terms & availability: Annuity Rate Watch, which aggregates carriers' filed rate sheets. Refreshed every night.
Financial strength: A.M. Best. We publish the carrier's letter rating rather than a score of our own.
Contract detail: The carrier's own brochure — minimum guaranteed surrender value, death benefit, RMD treatment, annuitization options, waiver riders and free-withdrawal terms. Where the brochure and the rate feed disagree, the brochure wins: it is the filed document. Where neither carries a fact, the page omits it. We do not fill gaps with estimates.

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