Annuity Atlas
Today's top ratesMYGA3yr 6.10%5yr 6.30%7yr 6.35%10yr 6.30%FIA S&P cap3yr 9.70%5yr 16.00%7yr 12.90%10yr 17.00%
As of Oct 26 · B++ or betterAll rates →

Expert review · 2026

Oxford Life review

Annuity Atlas covers 13 Oxford Life annuity products with live rates and contract specs. 13 carry full editorial reviews.
How we rank →Today's rates →

A.M. Best

A

Insurer claims-paying rating

Products tracked
13
MYGA yield (lineup max)
5.95% · 10yr · Multi-Select 10
Surrender range
3–10 years
Rate as of Oct 15, 2026
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Products covered
13
A.M. Best
A
Categories covered
MYGA · FIA

13 Oxford Life annuities

Click any product for rates, specs, and the full peer-group 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
A
A.M. BEST
MYGA10-YR SURRENDER
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
A
A.M. BEST
MYGA5-YR SURRENDER
Review →
Multi-Select 6
Buyers who want the highest guaranteed rate currently available anywhere in Oxford Life's Multi-Select ladder, locked for six years
A
A.M. BEST
MYGA6-YR SURRENDER
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
A
A.M. BEST
MYGA9-YR SURRENDER
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
A
A.M. BEST
MYGA7-YR SURRENDER
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
A
A.M. BEST
MYGA8-YR SURRENDER
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
A
A.M. BEST
MYGA4-YR SURRENDER
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
A
A.M. BEST
MYGA3-YR SURRENDER
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
A
A.M. BEST
FIA10-YR SURRENDERBONUS 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
A
A.M. BEST
FIA10-YR SURRENDERINCOME RIDER 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
A
A.M. BEST
FIA3-YR SURRENDERINCOME RIDER 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
A
A.M. BEST
FIA5-YR SURRENDERINCOME RIDER 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
A
A.M. BEST
FIA7-YR SURRENDERINCOME RIDER 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.

RiderProductFee
Royal Select GLWBRoyal Select0.95% annually
Optional Guaranteed Lifetime Withdrawal BenefitSelect Fixed Indexed Annuity 10-Year0.95% 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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