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Oxford Life Company Profile

Company Profile

Oxford Life Insurance Company provides insurance and financial services. Specifically, they offer life insurance, annuities, and Medicare supplements. They are a part of the Oxford Group which is comprised of Oxford Life Insurance Company, North American Insurance Company and Christian Fidelity Life Insurance Company.

The Oxford Group’s parent company is AMERCO which also owns U-Haul International. 

Oxford Life Insurance Company Financial Ratings

Oxford Life Insurance Company 
Group AffiliationOxford Group
Home Office Phone Number602-263-6666
Mailing Address2721 North Central Avenue
Phoenix AZ 85004-1172
A.M. Best Rating (15 possible ratings)A- (6th)
Weiss(Safety Rating, 16 ratings)B+ (4)
Assets to Liabilities110.20%

A.M. Best affirms Oxford Life's A- Rating

July 30, 2020 Press Release–(Business Wire)– announced that AM Best has affirmed Oxford Life Insurance Company’s Financial Strength Rating of A- (Excellent) and the Long-Term Issuer Credit Rate of “a-”. The outlook of these Credit Ratings is positive. 

Meanwhile, A.M. Best has affirmed the FSR of B++ (Good) and the Long-Term ICR of “bbb” of North American Insurance Company. North American Insurance Company is also owned by Oxford’s parent company, AMERCO.

The outlook of these ratings is stable. These companies are owned by the group’s ultimate parent, AMERCO.

The ratings of Oxford Group reflect its balance sheet strength, which AM Best categorizes as very strong, as well as its adequate operating performance, limited business profile and appropriate enterprise risk management.

The ratings of North American Insurance Company, which is currently in runoff, reflect its balance sheet strength, which AM Best categorizes as strong, as well as its adequate operating performance, very limited business profile and appropriate enterprise risk management.

Classic american made care sitting in a hay field with old wooden fence behind it. Oxford life services a growing senior market in the u. S. Page.

Oxford Life Insurance Company History

Oxford Life Insurance Company was founded in the Grand Canyon state of Arizona in 1965 and remains committed to supporting the senior market through Life Insurance, Annuity, and Medicare Supplement products that meet their financial needs. 

To best serve its policyholders and producers, the insurer continues to grow via the acquisition and development of companies and products. 

Oxford Life and its subsidiaries, North American Insurance Company and Christian Fidelity Life Insurance Company, work in unison to support their mission of enabling seniors to live with dignity in their retirement years through financial security. 

They are a strong player in every field where it competes, and constantly strives to be a leader in the industry in all categories.


Mark A Haydukovich
President/CEO, Oxford Life Insurance Co.

Oxford Life Family of Companies

Oxford Life Insurance Company manages its business strategy on a consolidated basis including its subsidiary companies:

  • North American Insurance Company (NAIC)
    • North American, founded in 1987, is one of the industry’s premier third party administrators of Medicare supplement insurance. North American services approximately 60,000 Medicare supplement policyholders throughout the United States. 
    • (Our edititorial staff was unable to identify a website for North American Insurance Company)
  • Christian Fidelity Life Insurance Company (CFLIC).
    • Christian Fidelity, with over 50 years of experience, is a high-quality Medicare supplement and final expense life insurance company with competitive premiums, excellent service, and high-quality products. 

Oxford Life Insurance Company Contact Information:

Policyholder Services:

Oxford Life Login Portal


Customer Service Phone Number:



Oxford Life Agent Login Portal

Oxford Life Annuity Calculator’s for Agents


2721 N Central Ave

Phoenix, AZ 85004

Oxford Life Annuity Rates & Products

Oxford Life Index Annuities

  • Select Series
  • Royal Select
  • Silver Select
  • Optional GLWB Rider
  • Duration

Oxford Fixed Annuities (MYGA’s)

Oxford Life Multi-Select MYGA Annuity Guide

Issue Ages
  • Age Limits: 18 - 85

Types of Funds Accepted
  • Personal Investment, Traditional IRA, Roth IRA, SEP IRA or 403(b) TSA


  • 457(b)
Purchase Payments
  • Issued with single purchase payment
  • Subsequent purchase payments accepted in first two contract months
Purchase Payments Minimum and Maximum

Minimum & Maximum Investment: $20,000 - $1,000,000

*Maximum investment is $750,000 for ages 76-80 and $500,000 for ages 81-85.

Early WIthdrawal Charges
  • For any withdrawals beyond the free allowance during the contract term, surrender charges will apply as follows:

    Surrender/Withdrawal Charge Schedule

     Year 1Year 2Year 3Year 4Year 5Year 6Year 7Year 8Year 9Year 10

    Surrender/withdrawal charges and a market value adjustment2 apply during the initial and renewal guarantee periods. The early surrender/withdrawal charge is 10% in the first year and reduces 1% each year thereafter. After the initial guarantee period, there is a 30-day window of time, beginning in the renewal period, in which you may withdraw all or part of your funds without any surrender/withdrawal charges. If you surrender or withdraw funds from your annuity during the renewal or subsequent guarantee periods, excluding the 30-day window, surrender/withdrawal charges and a market value adjustment will apply2. However, these charges will not be applied in the following cases:

Free Withdrawal Alloawances
  • In the first contract year, you have access to your interest through systematic withdrawals without penalty. In years 2 and later, you can make up to 2 withdrawals per year of up to 10% of your accumulated account value penalty-free. Note that any withdrawals made prior to age 59½ will incur a 10% penalty from the IRS.
  • Riders & Features Available: 

    The following riders and features are available for this product. Some might be included automatically, while others are available for purchase. Availability may vary by state.

    Terminal Illness Benefit

    Home Health Care Benefit

    Nursing Home Benefit

    Death Benefit

Options at Maturity
  • Maturity Options: 

    At the end of the contract term, you will be able to withdraw the money invested, reinvest it in another fixed annuity, or turn it into guaranteed income via annuitization. You have 30 days from maturity date to select. If you do nothing, your contract will be automatically renewed for the same term with the same surrender schedule. If the contract matures before you turn 59½, withdrawals (other than rollover to an IRA) will be charged a 10% penalty by the IRS.


There are no upfront or recurring fees

Free Look Period

Free Look Period: 30 days

This is the amount of time you have after the policy is issued to change your mind and get a refund.

Death Benefit (Legacy)

Rate Lock Period:

This is the amount of time that you have after the application is submitted to fund it and still get the rate in effect at the time of application. Rate lock periods vary by method of funding as follows:

Qualified Retirement Account: 60 days

Non-Qualified Personal Savings: 60 days

1035 Annuity Exchanges: 60 days

Have a Specific Question?

Annuities are distributed by My Annuity Store, Inc. Guarantees are subject to the claims-paying ability of the insurer. My Annuity Store, Inc. does not advise clients on the purchase of non-fixed annuity products. The information presented here is not intended to be a recommendation to purchase a fixed annuity (MYGA), fixed index annuity(FIA), variable annuity (VA), registered index linked annuity (RILA), immediate annuity (SPIA), longevity annuity, or Qualified Longevity Annuity Contract (QLAC). 

The contract features described may not be current and may not apply in the state in which you reside. Insurance companies often issue contracts which are ‘state-specific’. Insurance companies also change their products and information often and without notice. Annuities are subject to the terms and conditions of the specific contract issued by the insurer, are not FDIC or NCUA insured, are not bank guaranteed, may lose value, and are not a deposit. Please call (855) 583-1104 if you have any questions or concerns. 

The information presented here is not a representation regarding the suitability of any concept or product(s) for an individual and it does not provide tax or legal advice. You should always consult your own financial planning, tax, and legal advisors to determine if a fixed annuity, fixed index annuity, annuity with long term care rider, immediate annuity, longevity annuity, or Qualified Longevity Annuity Contract are suitable in your financial situation.

Financial Data for the year ending December 31, 2019. Assets and Liabilities totals do not include amounts allocated to Separate Accounts. All ratings shown are current as of June 16, 2020.

A Best’s Financial Strength Rating opinion addresses the relative ability of an insurer to meet its ongoing insurance obligations. 


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