1Interest rate is guaranteed for length of time you select from and
will not change until after the guarantee period. Your interest rate is guaranteed
never to fall below 1%. All guarantees made are that of Oxford Life Insurance Company.
2A market value adjustment may reduce or increase the amount received
from a withdrawal or surrender. A withdrawal or surrender may result in a loss of
principal and earnings due to surrender charges and market value adjustment.
3Waiver of withdrawal charges rider not available in all states.
Rider benefits available for a qualifying condition first diagnosed after the first
year. There is also a 90 day elimination period.
Neither Oxford Life Insurance Company, its affiliates, nor any of its representatives
may provide tax or legal advice. Individuals should consult their tax advisor or
legal counsel for specific advice and information regarding their individual situation.
The Oxford Life Multi-Select annuity is issued by Oxford Life Insurance Company.
Oxford Life assumes the investment risk and guarantees payment, subject to its claims-paying
ability. Withdrawals and other distributions of taxable amounts, including death
benefit payouts, will be subject to ordinary income tax. If withdrawals and other
distributions are taken prior to age 59 1/2, a 10% federal tax penalty may apply.
Withdrawals will reduce the value of the death benefit. Oxford Life Insurance Company
is licensed to issue individual life insurance and annuity products in all states
except New York and Vermont. For use with the Oxford Life Income Protector®
(contract form ICC12-IP200 and state specific variations where applicable) and Oxford
Life Multi-Select™ (contract form ICC14-MYGA0814 and state specific variations
where applicable). Product not available in all states. All guarantees made are
that of Oxford Life Insurance Company. Not a bank or credit union guarantee. Not
FDIC/NCUA insured. Not insured by any federal government agency. A comprehensive
description of the policy benefits, costs, exclusions, limitations and terms is
available to you upon request.