Oxford Life Insurance Co.
Oxford Life Insurance Company, founded 1965 and headquartered in Phoenix, Arizona, provides life insurance and annuity products targeting US individuals planning for retirement and final expense needs. It operates as a subsidiary of U-Haul Holding Company and distributes through licensed agents, IMOs, and Broker/Dealers.
- Company typePrivate
- Founded1965
- HeadquartersPhoenix, United States
- Headcount101–250
- GTM typeB2C
- OfferingServices
Oxford Life Insurance Co. firmographics
Firmographics- Name
- Oxford Life Insurance Co.
- Legal name
- Oxford Life Insurance Company
- Website
- https://oxfordlife.com
- Company type
- Private
- Founded year
- 1965
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Oxford Life Insurance Company, founded 1965 and headquartered in Phoenix, Arizona, provides life insurance and annuity products targeting US individuals planning for retirement and final expense needs. It operates as a subsidiary of U-Haul Holding Company and distributes through licensed agents, IMOs, and Broker/Dealers.
- Ownership category
- akta.pro rank
Oxford Life Insurance Co. industry classification
Industry- Product category
- Life Insurance & Annuities
- NAICS
- Direct Life Insurance Carriers (524113), Direct Life, Health, and Medical Insurance Carriers (52411)
- SIC
- Life Insurance (6311), Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Annuities & Investment-Linked Insurance Solutions (Retail) (FSAAAAAM)
- akta.pro secondary industries
- Whole Life Insurance (FSAIABAA), Final Expense Term Life Insurance (FSAIAAAI), Annuity & Insurance-Based Retirement Solutions Advisory (FSAEABAH)
Keywords
Where Oxford Life Insurance Co. is headquartered
LocationHeadquarters
- HQ city
- Phoenix
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Oxford Life Insurance Co. business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Life Insurance Premiums: Oxford Life generates revenue through premiums collected on life insurance policies including single-premium whole life insurance (Prosperity Select) and final expense policies (Assurance One). Policyholders pay premiums (often single lump-sum payments) in exchange for guaranteed death benefits.
- Annuity Premiums and Interest Spread: Revenue is generated from annuity products including Fixed Indexed Annuities (Royal Select, Select Series) and Multi-Year Guaranteed Annuities (Multi-Select). The company collects premium payments and earns interest spread on the accumulated value, with products offering tax-deferred growth and guaranteed income options.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| One time/ perpetual license | Pay-as-you-go | Single Premium Whole Life - Prosperity Select |
| One time/ perpetual license | Pay-as-you-go | Final Expense - Assurance One |
| Subscription | Multi-year contract | Fixed Indexed Annuity - Royal Select |
| Subscription | Multi-year contract | Fixed Indexed Annuity - Select Series |
| Subscription | Multi-year contract | Multi-Year Guaranteed Annuity - Multi-Select |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels5 records
Oxford Life Insurance Co. product offering
Product offeringCore offering
Oxford Life Insurance Co. is a Phoenix, Arizona-based life insurance and annuity carrier (founded 1965; subsidiary of U-Haul Holding Company) that underwrites and distributes single-premium whole life insurance, final expense life insurance, fixed indexed annuities, and multi-year guaranteed annuities, primarily through licensed independent agents and IMOs focused on the senior and retirement planning market. The company operates as an admitted insurance provider rated A (Excellent) by A.M. Best.
Product overview
Oxford Life Insurance Company offers a comprehensive portfolio of retirement solutions and life insurance products. The annuity portfolio includes three Fixed Indexed Annuity products (Royal Select with 8% premium bonus, Select Series with multiple duration options) and one Multi-Year Guaranteed Annuity (Multi-Select with 3-10 year rate locks). The life insurance portfolio consists of two single-premium products: Assurance One (final expense) and Prosperity Select (whole life with wealth transfer features). All products are offered through a network of licensed agents and include optional Guaranteed Income Riders for lifetime income.
Differentiator
Problem solved
Functional benefit
Brands
- Royal Select: A fixed indexed annuity with an 8% premium bonus added to the account value on the date premium is received, featuring 3 crediting strategies (Fixed, Monthly Average, or Annual Point-to-Point), secure principal protection, and optional guaranteed income rider.
- Select Series
- Multi-Select
- Assurance One
- Prosperity Select
Products and services
- Prosperity Select Single-Premium Whole Life Insurance
- Assurance One Final Expense Life Insurance
- Royal Select Fixed Indexed Annuity
- Select Series Fixed Indexed Annuity
- Multi-Select Multi-Year Guaranteed Annuity (MYGA)
Quantifiable outcome
- A.M. Best Financial Strength Rating upgraded to A (Excellent)
Companies that use Oxford Life Insurance Co.
Customer profileSegments2 records
Ideal customer profiles2 records
Oxford Life Insurance Co. technology and API
TechnologyAPI detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Oxford Life Insurance Co. partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered subsidiary, sister company and core.
- Christian Fidelity Life Insurance CompanysubsidiaryChristian Fidelity Life Insurance Company is Oxford Life's subsidiary company. Oxford Life manages its business on a consolidated basis with Christian Fidelity Life Insurance Company. Both companies offer life insurance and deferred annuities to citizens in the United States.
- U-Haul International Inc.sister companyU-Haul International Inc. is a significant holding within U-Haul Holding Company alongside Oxford Life Insurance Company and RepWest Insurance Company. All are subsidiaries under the same parent company.
- RepWest Insurance Companysister companyRepWest Insurance Company is a significant holding within U-Haul Holding Company alongside Oxford Life Insurance Company and U-Haul International Inc. All are subsidiaries under the same parent company.
- Independent Marketing Organizations (IMOs) and Broker/DealerscoreOxford Life works with Independent Marketing Organizations and Broker/Dealers to appoint agents and producers. These channel partners help expand the company's distribution reach by recruiting and managing licensed insurance agents who sell Oxford Life products.
Scale indicators2 records
Recent moves6 records
Expansion highlights4 records
Oxford Life Insurance Co. competitors and assessment
Company assessmentDirect peers
- Athene Holding: Athene is one of the largest issuers of Fixed Indexed Annuities, Multi-Year Guaranteed Annuities, and single-premium immediate annuities in the U.S. retail retirement market, directly competing with Oxford Life's Royal Select, Select Series, and Multi-Select products for the same senior demographic through a similar IMO distribution model.
- F&G Annuities & Life: F&G is a leading provider of indexed annuities, multi-year guarantee annuities, and final expense life insurance, with a near-identical product mix and target customer (retirement-age consumers). Like Oxford Life, it leverages IMO/Broker-Dealer distribution and is owned by a larger parent (Fidelity National Financial).
- American Equity Investment Life Insurance: American Equity is one of the top U.S. issuers of Fixed Indexed Annuities targeting retirement savers, with a product suite and senior-market focus closely mirroring Oxford Life's Royal Select and Select Series FIAs. Distribution through independent agents and IMOs is comparable.
- Global Atlantic Financial Group: Global Atlantic offers Fixed Indexed Annuities, Fixed Rate Annuities, and life insurance products aimed at retirement planning and wealth transfer, directly overlapping with Oxford Life's full product portfolio for the same customer base.
- Sammons Financial Group (North American Company): North American Company issues Fixed Indexed Annuities, Multi-Year Guaranteed Annuities, and single-premium whole life products for the senior market, with a comparable guarantee-focused value proposition and IMO-driven distribution strategy that mirrors Oxford Life.
- Midland National Life Insurance Company: Midland National, a Sammons Financial Group subsidiary, offers Fixed Indexed Annuities, Multi-Year Guaranteed Annuities, and single-premium whole life and final expense policies. Its product architecture and senior-customer focus closely mirror Oxford Life's offerings.
- National Western Life Insurance Group: National Western Life specializes in whole life, universal life, and annuity products targeted at the senior and retirement market through independent agents, with a similar product mix to Oxford Life's Prosperity Select and assurance lines.
- Security Benefit: Security Benefit offers Fixed Indexed Annuities, Multi-Year Guaranteed Annuities, and retirement-focused life insurance through financial professionals, serving the same senior demographic and competing directly with Oxford Life's annuity portfolio.
- Kansas City Life Insurance Company: Kansas City Life is a mid-sized mutual-style life insurer offering whole life, universal life, and annuity products through independent agents, with a comparable scale and senior-market orientation to Oxford Life.
Broad incumbents
- Brighthouse Financial: Brighthouse Financial is a large, publicly traded annuities and life insurance provider offering Shield indexed annuities and protection products. It operates at significantly greater scale than Oxford Life but targets the same retirement-income customer with overlapping fixed and indexed annuity products.
Market position
Strengths5 records
Weaknesses2 records
Competitive moat4 records
Key risks4 records
Key highlights3 records
Customer concentration
Oxford Life Insurance Co. social profiles
Digital presenceOxford Life Insurance Co. compliance and trust
Trust signalCompliance1 record
Oxford Life Insurance Co. financial estimates
Financial estimateRevenue estimate
Valuation estimate
Oxford Life Insurance Co. leadership team
Management profileNumber of profiles
Profiles1 record
Oxford Life Insurance Co. subsidiaries and ownership
Company hierarchySubsidiaries1 record
Oxford Life Insurance Co. funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Oxford Life Insurance Co. M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Oxford Life Insurance Co.
What does Oxford Life Insurance Co. do?
Oxford Life Insurance Co. is a Phoenix, Arizona-based life insurance and annuity carrier (founded 1965; subsidiary of U-Haul Holding Company) that underwrites and distributes single-premium whole life insurance, final expense life insurance, fixed indexed annuities, and multi-year guaranteed annuities, primarily through licensed independent agents and IMOs focused on the senior and retirement planning market. The company operates as an admitted insurance provider rated A (Excellent) by A.M. Best.
Is Oxford Life Insurance Co. a public or private company?
Oxford Life Insurance Co. is a private company. It is classified as corporate owned and is currently operating.
When was Oxford Life Insurance Co. founded?
Oxford Life Insurance Co. was founded in 1965. It employs 101 to 250 people.
Where is Oxford Life Insurance Co. based?
Oxford Life Insurance Co. is headquartered in Phoenix, United States, in the North America region.
How does Oxford Life Insurance Co. make money?
Two revenue lines are on record. Life Insurance Premiums are the primary driver. The others are annuity Premiums and Interest Spread.
Who are Oxford Life Insurance Co.'s main competitors?
Direct peers on record are Athene Holding, F&G Annuities & Life, American Equity Investment Life Insurance, Global Atlantic Financial Group, Sammons Financial Group (North American Company), Midland National Life Insurance Company, National Western Life Insurance Group, Security Benefit and Kansas City Life Insurance Company. Brighthouse Financial is listed as a broad incumbent.
Does Oxford Life Insurance Co. have an API?
No public API is recorded for Oxford Life Insurance Co..
What industry is Oxford Life Insurance Co. in?
Oxford Life Insurance Co.'s product category is Life Insurance & Annuities. Its primary akta.pro industry code is FSAAAAAM, Annuities & Investment-Linked Insurance Solutions (Retail), with a secondary code of FSAIABAA, Whole Life Insurance. Its NAICS code is 524113 and its SIC code is 6311.