3 Wealth Accumulation Strategies
The Fixed Account Strategy For a simple and reliable interest crediting rate over time, the Fixed Account will provide the consistent earnings that you are looking for. The interest rate is credited daily, guaranteed for one full year, and determined on each policy anniversary. This account is designed to provide returns similar to traditional fixed annuities and other conservative accumulation vehicles.
You cannot lose previously credited interest. The Monthly Average Strategy
Interest earnings on the indexed account is linked to the S&P 500 ® , a popular measure of the U.S. stock market’s performance. This method takes into consideration the monthly average of S&P 500 ® values on the 12 monthly index dates of the policy year. This average is compared to the S&P 500 ® value on the prior policy anniversary, or in the first year, the policy date, in order to determine any percentage gain. This “averaging” method will serve to moderate market fluctuations. Earnings are credited annually and are related to the monthly average appreciation of the S&P 500 ® index. You cannot lose previously credited interest. 1 The Annual Point-to-Point Strategy Interest earnings on this indexed account are linked to the S&P 500 ® , a popular measure of the U.S. stock market’s performance. The Point-to-Point account method is based on the annual change in the S&P 500 ® . On each policy anniversary, the S&P 500 ® value is compared to the index value on the prior policy anniversary to determine the percentage gain. Earnings are credited annually and are related to the annual appreciation of the S&P 500 ® index. You cannot lose previously credited interest. 1
Crediting Strategy Features
Annual R eset F eature For both indexed strategies, the annual reset feature provides for a new starting point to measure the percentage gain in indexed values each year. Cap The Cap is the upper limit on the amount of the index interest linked gain that will be recognized. The Cap is guaranteed for the first policy year. Thereafter, the Cap may be changed annually by Oxford Life. Your Oxford Life Silver Select ® Annuity guarantees that your participation rate will always be 100%, subject to the Cap. Allocations On each policy anniversary, you have the option to transfer up to 100% of each account value to other accounts. Written notification must be received by Oxford Life at least 30 days prior to the policy anniversary date. The transfer will be effective on the policy anniversary. 1 Withdrawals (except for the annual free withdrawal amount) may result in a loss of previously credited interest and principal due to surrender charges and a makret value adjustment. This annuity deos not offer a direct investment in the index and the index performance does not include dividends. Index linked interest only credited at end of year. No index linked interest on funds withdrawn before end of year.
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SILVER SELECT PRODUCT GUIDE
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