Select Series: Fixed Indexed Annuity

With our Select Series Annuity, policyholders will enjoy guaranteed safety of principal along with the opportunity to participate in the potential growth of the S&P 500 Index without subjecting their principal to market risk. At the time of application, this product also allows you to elect the optional Guaranteed Lifetime Withdrawal Benefit rider designed to generate a higher level of guaranteed lifetime income.

Policy Features

3-Year, 5-Year, 7-Year or 10-Year durations
Designed for long-term accumulation of funds and building retirement income
Guaranteed Lifetime Withdrawal Benefit (GLWB) - for an additional annual fee of only .95% of the accumulation value³
Ability to start and stop income at any time³
Income account accumulates at a rate of 7.55%¹. The income account may not be distributed as a lump sum and is only used to calculate the monthly GLWB payments
Waiver of withdrawal charges rider for terminal illness, home healthcare and nursing home⁴
10% Free Withdrawal Provision after year one

Surrender Charge Schedule

Duration	Year 1	Year 2	Year 3	Year 4	Year 5	Year 6	Year 7	Year 8	Year 9	Year 10
Select 3	10%	9%	8%
Select 5	10%	9%	8%	7%	6%
Select 7	10%	9%	8%	7%	6%	5%	4%
Select 10	10%	9%	8%	7%	6%	5%	4%	3%	2%	1%

Surrender/withdrawal charges and a market value adjustment⁶ apply during the first ten contract years. The early surrender/withdrawal charge is 10% in the first year and reduces 1% each year thereafter. If you surrender or withdraw funds from your annuity before the end of the tenth contract year, surrender/withdrawal charges and a market value adjustment will not be applied in the following cases:

Penalty Free Interest Only Withdrawals during year one
10% Free Withdrawal Provision after the first contract year
Waiver of Surrender/Withdrawal Charges for⁴:
- Home Health Care Benefit
- Terminal Illness Benefit
- Nursing Home Benefit

Contribution Limits & Issue Ages

Product	Minimum	Maximum
Product	All Ages	18-75	76-80
Select 10	$10,000	$500,000	$350,000
Select 3, Select 5, Select 7	$20,000	$1,000,000	$750,000

¹Income Account growth is used only for the purpose of calculating the GLWB and is not available as a cash surrender or lump sum at any time.

²Joint Life Payout is based on the lives of the Owner and the Owner's spouse who is the sole Beneficiary and is available only in this scenario.

³GLWB payments decrease the accumulation value on a dollar per dollar basis. If you choose to stop GLWB payments, you cannot apply the amounts not received to any future GLWB payments.

⁴Waiver 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. For policy details and qualifying event see Oxford Life Insurance form DA520

⁵The market value adjustment feature is not available in all states. A 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 a market value adjustment.

Neither Oxford Life Insurance Company, nor 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 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 Oxford Life policy forms FIA700, GLWB210, DA520 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. An investment in these contracts is subject to possible loss of principal and earnings, since a surrender charge and market value adjustment may apply to withdrawals or upon surrender of the contract.