1 The 8% premium bonus vests over a 10-year period. Non-vested bonus amounts will be recaptured for surrender or withdrawal amounts exceeding the penalty-free amount. Annuities with a premium bonus may have lower fixed account interest rates and lower caps on indexed accounts than a similar product without a premium bonus. 2 According to April 2014 Census Bureau www.prb.org/Publications 3 Premium Bonus is added to the Accumulation Value on the date the premium is received. 4 Interest rates effective 12-1-2016 Rates subject to change. Contact Oxford Life® for current rates. An investment in these contracts is subject to possible loss of principal and earnings since a surrender charge and market value adjustment may apply to withdrawals or surrender of the contract. The Oxford Life Royal Select^TM annuity, Oxford Life Silver Select^TM annuity and Oxford Life Select^TM annuity (contract form FIA510 and state-specific variations where applicable) is issued by Oxford Life Insurance Company. Product not available in all states.

5 Rate based on $20,000 or more in premium for the initial guaranteed period. Interest rates effective 12-1-2016 and are subject to change. Call for current rates. The Oxford Life Multi-Select^TM annuity is issued by Oxford Life Insurance Company. A comprehensive description of the policy benefits, costs, exclusions, limitations and terms is available to you upon request. An investment in this contract is subject to possible loss of principal and earnings, since a surrender charge and market value adjustment may apply to withdrawals or upon surrender of the contract. Not available in all states. For more information, please refer to policy form ICC14-MYGA0814, DA520 and state-specific variations where applicable.