LIFE | ANNUITIES | MEDICARE SUPPLEMENT
SF885P — FOR PRODUCER USE ONLY— Not intended for soliciting or advertising to the public. The Oxford Life Select TM annuity (contract form FIA510 and state-specific variations where applicable) is issued by Oxford Life Insurance Company. Product not available in all states.
Financial Strength Rating
*Effective as of 5-7-2014. For the latest rating, access www.ambest.com
A.M. Best assigns ratings from A++ to F, A++ being superior ratings.
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more information ➤
Retirement Make-over 4.20%
Our Highest Cap
for Fast Track
➤ Guaranteed Lifetime Withdrawal Benefit available with 6.50% 2
Income Account Rate3.
➤ Waiver of withdrawal charges for terminal illness, home health
care and nursing home benefit4.
1 This policy does not participate directly in any stock or equity investments. The cap is guaranteed for the first policy year. Th
by Oxford Life. 2 Rate applies to the first ten years policy years based upon rate at issue. 3 The income account value is not available for withdra wal or cash surrender
and is only used to calculate the guaranteed lifetime withdra wal benefit amount. The Guaranteed Lifetime Withdrawal Benefit is available at the time of application for
an additional annual fee of 3/4% of the accumulation value of the base contract. Rider form GLWB210 and state-specific variations where applicable. 4 For eligible
qualifying event. Not available in all states. Rider form DA520 and state-specific variations where applicable. An investment in these contracts is subject to possible
loss of principle and earnings since a surrender charge and market value adjustment may apply to withdrawals or surrender of the contract.
Underestimating retirement preparedness
Another scarier statistic: People have a 50 percent chance of living longer
than the average life expectancy used by retirement calculators. So, what are
you doing to better prepare your clients for retirement?
Source: Marlene Y. Satter, ProducerSWeB.coM
For those preparing to work in retirement, the statistics aren’t so great either:
of retirees who want
to work, aren’t
for health reasons
a loved one
FORBES FOUND there are a
number of factors people are
underestimating when they
gauge their preparedness for
retirement. One of those
factors is the idea most people
spend less in retirement than
they did working. While that
may be true for the majority,
about 35 percent spend about
the same amount of money in
retirement as they did before
it. So replacing 70 to 80
percent of your income isn’t
the best plan.