Oxford Life
A Phoenix, Arizona senior-market life and annuity insurer - founded in 1965 and part of the AMERCO / U-Haul Holding Company enterprise - carrying an A rating from AM Best across a focused shelf built around multi-year guaranteed and fixed indexed annuities, single-premium life, and final expense protection.
Financial strength
A
AM Best
AM Best A rated
Oxford Life carries an A Financial Strength Rating from AM Best, a strong claims-paying assessment for a focused senior-market carrier.
Founded 1965
Founded in 1965 (incorporated July 27, 1965; operations commenced June 24, 1968) in Phoenix, Arizona; a stock life and annuity insurer.
AMERCO / U-Haul group
A wholly owned subsidiary within AMERCO / U-Haul Holding Company, a publicly traded non-insurance parent; AM Best notes Oxford receives no rating lift or drag from the parent, so policy guarantees rest on the issuing insurer.
Multi Select MYGA
Oxford Life's annuity lineup is the Multi Select single-premium multi-year guaranteed annuity, filed at guarantee periods spanning short to long-dated terms for fixed-rate safety.
Senior-market focus
A concentrated senior-market insurer - MYGA and fixed indexed annuities alongside single-premium life and final expense - distributed through independent agents.
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MYGAs / Fixed Annuities
Selected product: Multi Select
A fixed annuity group for buyers who want a declared guaranteed rate, principal protection, and tax-deferred growth.
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Explore Oxford Life products
Oxford Life’s lineup, grouped by what each product group is built to do. Current rates come from CANNEX via AdvisorWorld and are checked daily.
Multi-Year Guaranteed Annuity
Fixed-rate contracts grouped separately from indexed annuities so guaranteed terms are compared on their own terms.
- Fixed-rate contracts grouped separately from indexed annuities
- Guaranteed term rates and surrender context live on each product page
Best for: Savers who want a declared fixed rate for a set period and a direct path to each product review.
Rates are pulled live from CANNEX via the AdvisorWorld data feed · updated regularly. Caps, payout rates, and guaranteed rates vary by state, premium band, and rider election — confirm current terms on each product page.
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Find your fit
Start with the job for the money, then open the live Oxford Life product page that matches that goal.
How lifetime income builds
See how a guaranteed-income benefit can turn a premium into lifetime income using this carrier’s current income terms.
Lifetime withdrawal rate
4.04%
Base-growth terms
Not published
no published roll-up or income-base bonus
Annual fee
0.5%
benefit charge
Premium
$100,000
Income calculation value
$100,000
Annual lifetime income
$4,040
Shows this option's guaranteed lifetime withdrawal rate applied to your premium. No separate base-growth terms are currently published for this quick illustration. Actual results can vary; use the carrier illustration for contract-specific values.
Company overview
What Oxford Life is
Oxford Life Insurance Company, founded in 1965 and headquartered in Phoenix, Arizona, is a stock life and annuity insurer focused on senior-market financial security - protected accumulation, guaranteed-rate accumulation, legacy transfer, and final expense planning.
Checked 2026-07-07 · AnnuityRatesHQ carrier research
Oxford Life is a wholly owned subsidiary within AMERCO / U-Haul Holding Company, a publicly traded non-insurance parent best known for moving, storage, and real estate businesses. Policy guarantees remain the obligation of Oxford Life as the legal issuing carrier; AM Best applies no parent lift or drag to the rating.
Checked 2026-07-07 · AnnuityRatesHQ carrier research
Oxford Life offers Multi Select alongside Fixed Indexed Annuities.
Verified July 2026 · CANNEX Financial Exchanges via AdvisorWorld
Scale, labeled
Founded
1965
Founded in Phoenix, Arizona; NAIC 76112, AMB 007890.
Founded 1965 · AnnuityRatesHQ carrier research
Owner
AMERCO / U-Haul
Wholly owned within AMERCO / U-Haul Holding Company, a publicly traded non-insurance parent.
Checked 2026-07-07 · AnnuityRatesHQ carrier research
Structure
Stock insurer
Stock life and annuity insurance company domiciled in Arizona; independent agency distribution.
Checked 2026-07-07 · AnnuityRatesHQ carrier research
AM Best
A
A Financial Strength Rating from AM Best. The cited Sept. 19, 2025 action carries a Negative outlook and internal-control remediation notes; verify the current outlook before relying on it.
Checked 2026-07-07 · AnnuityRatesHQ carrier research; AM Best
History highlights
Oxford Life Insurance Company was founded in 1965 (incorporated July 27, 1965) in Phoenix, Arizona, commencing operations on June 24, 1968.
Founded 1965 · AnnuityRatesHQ carrier research
Oxford grew as a senior-market specialist, adding Christian Fidelity Life Insurance Company (2000) and expanding through final expense, Medicare Supplement, and senior-market life lines rather than broad diversification.
Checked 2026-07-07 · AnnuityRatesHQ carrier research; AM Best
The 2014 introduction of a MYGA line became a major driver of recent annuity premium growth, alongside fixed indexed annuities using S&P 500-linked crediting strategies.
Checked 2026-07-07 · AnnuityRatesHQ carrier research; AM Best
A senior-market insurer inside the U-Haul enterprise
Oxford Life sits within AMERCO / U-Haul Holding Company, a publicly traded holding company whose core businesses are moving, storage, and real estate rather than insurance - a distinctive ownership backdrop for an annuity carrier.
Checked 2026-07-07 · AnnuityRatesHQ carrier research
AM Best identifies Oxford Life as the group lead for the Oxford Group rating unit, with Christian Fidelity Life Insurance Company managed on a consolidated basis as a rating-unit member. AM Best states Oxford receives no rating lift or drag from the parent.
Checked 2026-07-07 · AnnuityRatesHQ carrier research; AM Best
The practical takeaway: the parent gives Oxford a memorable corporate profile, but policyholder guarantees remain the obligation of Oxford Life as the legal issuing insurer, and its rating rests on the Oxford Group's own balance sheet and operating profile.
Checked 2026-07-07 · AnnuityRatesHQ carrier research
Financial strength
AM Best
CurrentA
Financial Strength Rating shown as A. The cited Sept. 19, 2025 AM Best action carries a Negative outlook tied to internal-control remediation from the 2023 statutory audit, while another current source references a Stable outlook; verify the outlook before relying on it.
Checked 2026-07-07
AnnuityRatesHQ carrier research; AM Best · current rating check
What makes Oxford Life different
A focused senior-market specialist
Oxford targets everyday senior savers with protected accumulation, guaranteed-rate accumulation, legacy transfer, and final expense liquidity, rather than affluent wealth management or institutional retirement.
Checked 2026-07-07 · AnnuityRatesHQ carrier research
A distinctive parent, insurer-level guarantees
Sitting within AMERCO / U-Haul Holding Company gives Oxford a memorable corporate backdrop, but AM Best applies no parent lift or drag - so due diligence stays at the issuing insurer level.
Checked 2026-07-07 · AnnuityRatesHQ carrier research; AM Best
Independent agency distribution
AM Best classifies Oxford's marketing as independent agency, so the advisor relationship is central to how products are explained, sold, and serviced - and product education and suitability documentation matter.
Checked 2026-07-07 · AnnuityRatesHQ carrier research; AM Best
The Multi Select MYGA chassis
The current annuity lineup centers on the Multi Select single-premium MYGA - guarantee periods spanning short to long-dated terms, a published annual free-withdrawal allowance, three surrender-charge waivers, and no income rider - with rates and terms shown with current values for the product.
Verified July 2026 · CANNEX Financial Exchanges via AdvisorWorld
About Oxford Life
Oxford Life Insurance Company, founded in 1965 and headquartered in Phoenix, Arizona, is a stock life and annuity insurer that is a wholly owned subsidiary within AMERCO / U-Haul Holding Company. It focuses on senior-market retirement and financial security solutions.
Checked 2026-07-07 · AnnuityRatesHQ carrier research
Oxford carries an A rating from AM Best and centers its lineup on multi-year guaranteed and fixed indexed annuities, alongside single-premium life and final expense products distributed through independent agents. The currently listed annuity is the Multi Select MYGA.
Checked 2026-07-07 · AnnuityRatesHQ carrier research; AM Best
Oxford Life combines the Multi Select fixed-rate annuity with fixed indexed choices for principal-protected growth.
Verified July 2026 · CANNEX Financial Exchanges via AdvisorWorld
Free Comparison Report
Get Oxford Life's current rate report
Compare Oxford Life's live rates, carrier ratings, and product tradeoffs against alternatives in one personalized report.
Sources
- Oxford Life corporate site — 2026-07-07
- AnnuityRatesHQ carrier research - Oxford Life overview, founded 1965, AMERCO / U-Haul Holding Company ownership, AM Best A (parent group / enterprise context) — Checked 2026-07-07
- Live product catalog (Multi Select MYGA), rates, guarantee periods, withdrawal terms: CANNEX Financial Exchanges via AdvisorWorld — Verified July 2026