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Product Details
Royal Select
Company social profile:
Product Name
Royal Select
Annuity Type
FIA
Issuing Insurance Company and Ratings
Oxford Life Insurance Company
Ratings
Product Information
The Royal Select is a Single Premium Fixed Indexed Annuity with a 10 year withdrawal charge period and an MVA provision.
Key Features
Premium Types: Single
Minimum Premium: 10,000
Maximum Premium: 500,000
Free Look Period: 30 Days
Rate Lock Period: N/A
Tax-Qualified: 457, IRA, 401k, KEOGH, NonQual, IRA Rollover
Rates
Effective Date: 01/04/2026
Initial Guarantee Period: N/A
Next Change: N/A
Premium Amount: $100,000 - See Notes (High-Band)
3 Year Guarantee Period Annual Yield:
Interest rate start of year 1 through end of year 3:
Current
4.05%
4.05%
Premium Amount: 10,000 - 500,000
Current
0 Year Guarantee Period Annual Yield:
3.95%
Interest rate start of year 1 through end of year 0:
3.95%
Accumulation Value (assuming no withdrawals)
Accumulation Value (assuming no withdrawals)
Deposit Amount: $
Premium Amount: $100,000 - See Notes (Low-Band)
Flexible Premiums Not Accepted
Interest rate start of year 1 through end of year 3:
Current
4.05%
4.05%
Accumulation Value (assuming no withdrawals)
Deposit Amount: $
State Approvals
Not available in AL GU MS NY PR VI VT WV
Withdrawal Provisions
First Year Withdrawals: Interest Only
Withdrawal Years 2+: 10%
Wait Period Interest Only : No Wait
Withdraw from the accumulation Value After : One Year
Minimum Policy Value : $2,000
Withdrawl Calculated On: Accumulation
Date For Calculation: Issue
Systematic Withdrawl: Yes
Min Withdrawl Amount: $600
Cumulative Free Withdrawl: No
Eligibility & Restrictions
Age Limits(Owner and Annuitant): 80
Premium Limits: Flexible Premiums Not Accepted
State Restrictions: Not available in AL GU MS NY PR VI VT WV
