What is the minimum guaranteed surrender value for Oxford Life – Multi-Select (3-, 4-, 5-, 6-, 7-, 8-, 9- and 10-year terms)?

Issued by Oxford Life Insurance Company (AMERCO subsidiary), Multi-Select is a Single Premium Deferred Annuity (SPDA / MYGA) available for qualified and non-qualified funds. The contract is funded with one premium deposit, then credits a guaranteed fixed interest rate for the selected guarantee period (3–10 years). Oxford also states the credited rate is guaranteed never to fall below 1%. Liquidity is structured to balance growth and access: Oxford describes interest-only withdrawals in year one and a 10% free withdrawal provision after year one, while withdrawals above free amounts (or full surrender) during the term may trigger surrender charges and a Market Value Adjustment (MVA), which can increase or decrease the amount received depending on interest rate conditions. At the end of the guarantee period, the policy enters a renewal window (30 days) that allows the owner to reposition (renew, withdraw, surrender, or change terms) without surrender/withdrawal charges, subject to contract rules. If the owner dies prior to annuitization, the death benefit is generally the full accumulation value, and Oxford’s materials describe death proceeds being paid without reduction for surrender charges (contract provisions and tax rules apply).

What is the minimum premium amount for Oxford Life – Multi-Select (3-, 4-, 5-, 6-, 7-, 8-, 9- and 10-year terms)?

The minimum premium amount is $20,000.

What is the maximum issue age for Oxford Life – Multi-Select (3-, 4-, 5-, 6-, 7-, 8-, 9- and 10-year terms)?

The maximum issue age is 85 years.

What is the current interest rate for Oxford Life – Multi-Select (3-, 4-, 5-, 6-, 7-, 8-, 9- and 10-year terms)?

The current interest rate is 4.55%.

What is the surrender charge schedule for Oxford Life – Multi-Select (3-, 4-, 5-, 6-, 7-, 8-, 9- and 10-year terms)?

Withdrawals exceeding the 10% annual free-withdrawal provision (after year one), or a full surrender during the guarantee period, are subject to surrender/withdrawal charges and may also incur an MVA. Charges decline each year until the end of the selected duration. After the initial guarantee period, the 30-day renewal window allows changes without surrender/withdrawal charges.

What are the best rates available for Oxford Life – Multi-Select (3-, 4-, 5-, 6-, 7-, 8-, 9- and 10-year terms)?

The best available rate is 5.15% for a 10 year term.

Oxford Life Insurance Company

Oxford Life – Multi-Select (3-, 4-, 5-, 6-, 7-, 8-, 9- and 10-year terms)

About this product

The Oxford Life Multi-Select™ is a single-premium Multi-Year Guaranteed Annuity (MYGA) that credits a fixed, guaranteed interest rate for a selected term of 3 to 10 years. It is designed for clients seeking principal protection and predictable, tax-deferred accumulation (where applicable), with built-in liquidity provisions through penalty-free withdrawals (per contract rules). The annuity includes a Market Value Adjustment (MVA), meaning surrender values on withdrawals/surrenders during the surrender-charge period may be higher or lower depending on interest rate conditions at the time. At the end of the guarantee period, the contract’s accumulation value is available during the renewal window, allowing the owner to withdraw, renew into a new term, change terms (if available), or annuitize, subject to the contract provisions.

Available Rates

Rates are based on current simulation settings with premium amount $100,000.00

3 Years	4.55%
4 Years	4.95%
5 Years	5.00%
6 Years	5.40%
7 Years	5.25%
8 Years	5.20%
9 Years	5.10%
10 Years	5.15%

Available Guarantee Periods

Rates are based on current simulation settings with premium amount $100,000.00

$20,000.00 - $1,000,000.00

4.55%

Features
Maximum Issue Age	85 years

Lifetime Income Details

Payout Options

Annuitization

Lump Sum Withdrawal

Additional Options

Actual payout options may vary by insurance carrier and specific products. Common alternatives include:

Life Income Only: Payments for the rest of your life, stopping upon death
Period Certain: Guaranteed payments for a specific time period (5, 10, 15, or 20 years)
Life with Period Certain: Lifetime payments with a minimum guaranteed period
Joint Life: Payments continue for both you and your spouse's lifetimes
Systematic Withdrawal: Regular withdrawals of a specified amount or percentage