Why the Multi-Select Fixed Annuity Stands Out

The Oxford Life Multi-Select Fixed Annuity allows you to lock in guaranteed interest rates for 3, 5, 6, 7, 8, 9, or 10 years. This range of term lengths gives you the power to match your investment to your personal financial goals and timeline, whether you’re a few years from retirement or planning a longer-term strategy.

During your selected guarantee period, your funds grow tax-deferred—meaning you won’t pay taxes on your interest until you start taking withdrawals. This can significantly boost long-term growth.

Liquidity and Protection Features

Unlike many fixed options, the Multi-Select also gives you some access to your funds:

• 10% Penalty-Free Withdrawals annually after the first year

• Waivers for Terminal Illness, Home Health Care, and Nursing Home Confinement allow you to access funds without surrender charges in qualifying health situations

• A Guaranteed Death Benefit ensures your beneficiaries receive the full value of your contract if you pass away during the term

At the end of the term, you’re not locked in—you can renew your contract, convert it to an income stream, or withdraw your funds without penalty.

Who Is This Annuity Best For?

The Oxford Life Multi-Select Fixed Annuity is a great choice for conservative savers who want predictable returns and strong contractual guarantees. It’s especially ideal for:

• Individuals nearing retirement who need stability

• Investors rolling over retirement accounts and seeking to avoid market volatility

• Anyone looking to match guaranteed growth with flexible planning options

This annuity helps ensure you can grow your retirement assets without risk to your principal, while still maintaining options for access, income, and legacy planning.

Why Work With Diversified Insurance Brokers?

At Diversified Insurance Brokers, we represent more than 75 top-rated insurance carriers, including Oxford Life, and we pride ourselves on helping clients make informed choices about their retirement plans. We’ll guide you through available rate options, term selections, liquidity features, and renewal strategies—so you can feel confident every step of the way.

We take a hands-on approach, helping clients navigate the fixed annuity landscape with personalized recommendations based on your retirement timeline, risk tolerance, and long-term financial goals.