Oxford Life Insurance Company

Financial Ratings

AM Best A-Stable

S&P 500 A-

About Oxford Life Insurance Company

Oxford Life Insurance Company, headquartered in Phoenix, Arizona, was founded in 1965 and is a wholly owned subsidiary of AMERCO, the parent company of U-Haul International. The company focuses on providing retirement and financial security solutions, with a product portfolio that includes multi-year guaranteed annuities (MYGAs), fixed indexed annuities (FIAs), life insurance, and final expense products. Among its most widely recognized offerings is the Multi-Select Series, a single-premium MYGA with guarantee periods from 3 to 10 years, designed to deliver competitive fixed interest, principal protection, and optional liquidity through penalty-free withdrawals. Oxford Life distributes its products nationally (except in a few restricted states), serving both qualified and non-qualified markets. Its focus is on offering conservative, reliable annuity solutions tailored for retirees seeking predictable, tax-deferred accumulation.

Financial Ratings

Live from CANNEX

Rating Agency

A.M. Best

Rating

Description

Excellent

Effective

July 21, 2021

Rating Analysis

Oxford Life holds a solid A- (Excellent) rating from A.M. Best, reflecting its strong capital position and consistent operating performance within a focused product line. The Stable outlook indicates that A.M. Best expects Oxford Life to maintain its current financial strength, supported by steady profitability in the annuity segment, a disciplined investment portfolio, and backing from its parent, AMERCO. While the company does not maintain ratings from S&P, Moody’s, or Fitch, the A- rating demonstrates confidence in Oxford Life’s ability to meet its ongoing policyholder obligations. The narrower focus of Oxford Life compared to larger insurers is noted, but its conservative underwriting and risk management contribute to its favorable evaluation.