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  • Written By
    Jennifer Schell

    Jennifer Schell

    Financial Writer

    Jennifer Schell is a professional writer focused on demystifying annuities and other financial topics including banking, financial advising and insurance. She is proud to be a member of the National Association for Fixed Annuities (NAFA) as well as the National Association of Insurance and Financial Advisors (NAIFA).

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  • Edited By
    Savannah Hanson
    Savannah Hanson, financial editor for

    Savannah Hanson

    Senior Financial Editor

    Savannah Hanson is an accomplished writer, editor and content marketer. She joined as a financial editor in 2021 and uses her passion for educating readers on complex topics to guide visitors toward the path of financial literacy.

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  • Financially Reviewed By
    Timothy Li, MBA
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    Timothy Li, MBA

    Business Finance Manager

    Timothy Li, MBA, has dedicated his career to increasing profitability for his clients, including Fortune 500 companies. Timothy currently serves as a business finance manager where he researches ways to increase profitability within the supply chain, logistics and sales departments.

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  • Updated: May 5, 2023
  • 4 min read time
  • This page features 6 Cited Research Articles
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Cite Us
How to Cite's Article

APA Schell, J. (2023, May 5). Oxford Life Insurance Company. Retrieved June 6, 2023, from

MLA Schell, Jennifer. "Oxford Life Insurance Company.", 5 May 2023,

Chicago Schell, Jennifer. "Oxford Life Insurance Company." Last modified May 5, 2023.

Why Trust
Why You Can Trust has provided reliable, accurate financial information to consumers since 2013. We adhere to ethical journalism practices, including presenting honest, unbiased information that follows Associated Press style guidelines and reporting facts from reliable, attributed sources. Our objective is to deliver the most comprehensive explanation of annuities and financial literacy topics using plain, straightforward language.

Our Partnerships, Vision and Goals

We pride ourselves on partnering with professionals like those from Senior Market Sales (SMS) — a market leader with over 30 years of experience in the insurance industry — who offer personalized retirement solutions for consumers across the country. Our relationships with partners including SMS and Insuractive, the company’s consumer-facing branch, allow us to facilitate the sale of annuities and other retirement-oriented financial products to consumers who are looking to purchase safe and reliable solutions to fill gaps in their retirement income. We are compensated when we produce legitimate inquiries, and that compensation helps make an even stronger resource for our audience. We may also, at times, sell lead data to partners in our network in order to best connect consumers to the information they request. Readers are in no way obligated to use our partners’ services to access the free resources on carefully selects partners who share a common goal of educating consumers and helping them select the most appropriate product for their unique financial and lifestyle goals. Our network of advisors will never recommend products that are not right for the consumer, nor will Additionally, operates independently of its partners and has complete editorial control over the information we publish.

Our vision is to provide users with the highest quality information possible about their financial options and empower them to make informed decisions based on their unique needs.

Since its founding in 1965, Oxford Life Insurance Company has supported the senior market with life insurance policies and annuities. Through its subsidiaries, the organization also offers Medicare Supplement insurance to help cover medical expenses not paid by Medicare.

Oxford Life Insurance Company amassed almost $3 billion in assets as of 2021, according to the most recent data from the credit rating agency AM Best. Annuities are a top line of business for the company, accounting for nearly 80.52% of direct premiums written.

About Oxford Life Insurance Company

Oxford Life Insurance Company, or Oxford Life, was established in Arizona with the goal of helping seniors achieve financial well-being throughout retirement.

“Our mission is to provide products and services promoting financial security to individuals that will enable them to live with dignity in their retirement years,” according to the Oxford Life website.

Oxford Life achieves its mission through a strong partnership with two subsidiaries:

Christian Fidelity Life Insurance Company:
Medicare Supplement and final expense life insurance
North American Insurance Company:
Medicare Supplement insurance

Additionally, Oxford Life is a member of the publicly traded AMERCO financial holding network.

If you have an existing policy with Oxford Life, you can contact them through the following number with any questions about your annuity:


Credit Ratings

In August 2022, AM Best affirmed its financial strength rating for Oxford Life as A, reflecting the company’s recent annuity business growth. This scoring is the third highest out of AM Best’s 16 ratings.

Credit ratings are standardized evaluations of annuity providers’ financial stability. It’s important for consumers to research annuity and insurance companies’ credit ratings, as the companies should have proven soundness to cover and pay claims.

Oxford Life Insurance Company Credit Ratings

Credit Rating Outlook
AM Best: A

Annuity Products Offered by Oxford Life Insurance Company

Oxford Life issues fixed indexed annuities and multi-year guaranteed annuities. Annuity rates may vary depending on the product type, provider and location.

Fixed Indexed Annuities

Fixed indexed annuities are not directly exposed to the stock market, but they are tied to the performance of a specific stock index. If the index performs well, the annuity can grow. If the index experiences losses, the annuity has downside protection.

Oxford Life offers three fixed indexed annuity types:

Royal Select:
Immediate 8 percent accumulation value growth
Silver Select:
10 percent free withdrawal provision after first year
Select Series:
Choose a duration of three, five, seven or 10 years

Multi-Year Guaranteed Annuities (MYGAs)

Oxford Life also issues multi-year guaranteed annuities, or MYGAs, which provide a fixed interest rate throughout a chosen time span — such as five years.

One Oxford Life product line offers this type of predictable income:

  • Multi-Select: Choose a duration ranging from three to 10 years

Interested in Buying an Annuity?

Learn about the different types of annuities and find out which one is right for you.

Client Resources

Oxford Life clients have access to a convenient online portal to review policy details. Clients can also complete important annuity actions such as submitting claim forms, confirming that you’ve received your policy, filing death notifications and uploading death claim forms.

Beyond managing financial wellbeing, you can also focus on your physical wellness with Oxford Life’s ChooseHealthy program. This program provides the following benefits:

  • Membership to fitness centers through the Active&Fit Direct Program
  • Online health and fitness vendor discounts
  • Specialty provider discounts for health care services
  • Educational content for health and wellness

If you have an annuity with Oxford Life Insurance Company, you can log into your account at:

Oxford’s Policyholder Login Portal

About has provided reliable, accurate and trustworthy financial information to readers since 2013. We partner with professionals like those from Senior Market Sales (SMS), a market leader with over 30 years of experience in the insurance industry, to offer personalized retirement solutions for consumers across the country.

Any information offered about the company above is provided free of charge and individual product offerings are verified and accurate as of publication.

Our partners work with the provider companies mentioned on our site. However, is not a service provider. Actual products, terms and rates offered through the above company are subject to in-state availability and a variety of other factors. Visit the Our Partners page for additional information.


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Last Modified: May 5, 2023

6 Cited Research Articles writers adhere to strict sourcing guidelines and use only credible sources of information, including authoritative financial publications, academic organizations, peer-reviewed journals, highly regarded nonprofit organizations, government reports, court records and interviews with qualified experts. You can read more about our commitment to accuracy, fairness and transparency in our editorial guidelines.

  1. AM Best. (2022, August 18). AM Best Affirms Credit Ratings of Oxford Life Insurance Company and Its Subsidiaries. Retrieved from
  2. AM Best. (2021). Oxford Life Insurance Company. Retrieved from
  3. Oxford Life Insurance Company. (n.d.). About Us. Retrieved from
  4. Oxford Life Insurance Company (n.d.). Annuity Products. Retrieved from
  5. Oxford Life Insurance Company. (n.d.). Choose Healthy. Retrieved from
  6. Oxford Life Insurance Company. (n.d.). Policyholders. Retrieved from