*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.
Financial Strength Rating
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GUARANTEED 8% Premium Bonus1
GUARANTEED Lifetime Income to supplement Social Security
A comprehensive description of the policy benefits, costs, exclusions, limitations and terms is available to you upon request. The Oxford Life Royal Select ®
annuity (contract form FIA510 and state-specific variations where applicable) is issued by Oxford Life Insurance Company.
FIXED INDEXED ANNUITY
➤ Guaranteed Lifetime Withdrawal Benefit available with 6.50% 2 Income Account Accumulation Rate3.
1 The Oxford Life Royal Select™ Fixed Indexed Annuity includes a 8% premium bonus on your single premium. Premium Bonus vests over a 10-year period. Non-vested bonus amounts will be recaptured for surrender or withdrawal amounts
exceeding the penalty-free amount. Annuities with a premium bonus may have lower fixed account interest rates and lower caps on indexed accounts than a similar product without a premium bonus. 2 Rate applies to the Income Account
Value for the first ten policy years. The Guaranteed Lifetime Withdrawal Benefit (GLWB) is an optional benefit with an additional cost. Prior to any withdrawals under the GLWB or base policy, Income Account Value equals 100% of initial
premium, plus 8% premium bonus, and is guaranteed to grow at 6.50% annually in the first ten years only. Withdrawals of earnings will be subject to income tax and may be subject to a 10% IRS penalty tax, if taken prior to age 59 1/2.
Please consult your tax advisor. Under current law, GLWB payments from the GLWB may be taxed as ordinary income. 3 The income account value is not available for withdrawal or cash surrender and is only used to calculate the guaranteed
lifetime withdrawal 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. Please refer to policy and rider
forms FIA600, GLWB200, GLWB210, and state specific variations where applicable. Not available in all states.