Oxford Life Insurance Co.

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

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

• Life insurance products
• Fixed indexed annuities
• Final expense insurance
• Retirement planning solutions
• Multi-year guaranteed annuities

Headquarters

HQ city

Phoenix

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. 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.
2. 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

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core 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)

Segments2 records

Ideal customer profiles2 records

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Four partnerships are on record, tiered subsidiary, sister company and core.

• Christian Fidelity Life Insurance CompanysubsidiaryOthersChristian 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 companyOthersU-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 companyOthersRepWest 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/DealerscoreChannel Partner/ Reseller/ DistributorOxford 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

Direct 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

• Xx.com/oxfordlifeaz
• Facebookfacebook.com/oxfordlifeinsurance
• LinkedInlinkedin.com/company/oxford-life-insurance-company

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Oxford Life Insurance Co.