Oxford Life review

Annuity Atlas has published 9 editorial reviews of Oxford Life products. Average peer-group rating 3.9 / 5, top-rated product earns 4.3 / 5. Browse the full lineup below.

Our rating

3.9

Avg ★ / 5

Products reviewed9

A.M. BestA

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Reviews published

Average rating

★ 3.9 / 5

A.M. Best

Categories covered

MYGA · FIA

9 Oxford Life annuities reviewed

Sorted by star rating. Click any product for 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 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 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 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 →
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 →
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	★ 3.9	—	8.00% of single premium; vests at 0.80%/year of premium (10% of the bonus itself per year): Yr1 0%, Yr2 0.80%, Yr3 1.60%, Yr4 2.40%, Yr5 3.20%, Yr6 4.00%, Yr7 4.80%, Yr8 5.60%, Yr9 6.40%, Yr10 7.20%, Yr11+ 8.00% (fully vested).	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 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 →

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	Multi-Select 10	0.95% annually

Frequently asked questions

Is Oxford Life a good annuity company?

Oxford Life earns an average rating of 3.9/5 across the 9 products we've reviewed, 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 (Multi-Select 10): 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.

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