Oxford Life Insurance Company® - Our #1 Favorite Insurer

Let Us Help You Succeed! - Call (800)770-0492, email [email protected] or daily video conference.

Summarized View:

Oxford Life Agent Contracting

Oxford Life was founded in 1965 in the state of Arizona. Oxford Life primarily serves the senior market by facilitating life insurance, annuity and Medicare supplement policies. Oxford Life is part of AMERCO which is a publicly traded financial company.

Oxford Life conducts its operations through subsidiaries which include North American Insurance Company and Christian Fidelity Life Insurance Company. Oxford Life has a GAAP asset base that is worth $2.1 billion as of 2017. According to ACL Oxford Life's risk base capital is 92 per cent. Oxford Life was also one of the best performing life insurance companies for financial safety and security during 2015, 2016 and 2017 and was honored by being included in Wards 50 Benchmark Group. 

Oxford Life Benefits Include:

  • Great compensation for FEX and Annuities, - via NAAIP will always get you best Commission!
  • Point-of-Sale Policy Issue in 7 Seconds!
  • Assurance Final Expense Policies - Among the lowest rates in the industy - Lower rates than Foresters, Mutual of Omaha, etc.
  • Christian Fidelity Life contract included - CFL rates are substantially lower than anything in industry. (available in AR, AZ, CO, GA, ID, IL, IN, KS, KY, LA, MO, ND, NE, NM, OH, OK, OR, SC, SD, TN, TX & UT)
  • Available to individuals between the ages of 50 - 85
  • Available coverage from $5,000 to $30,000
  • Non-smoker rates are the niche
  • Affordable rates that will never increase
  • Policy cannot be cancelled as long as premiums are paid
  • Death benefits paid directly to the beneficiary of your choice federal income-tax free
  • Your policy will develop cash values
  • No medical exams required, a simple medical questionnaire
  • Two year look-back on strokes, cancer, heart attacks, etc.
  • Social Security billing which helps retention
  • Application can be dated 45 days in future
  • Preferred rates for insulin dependent diabetics diagnosed at age 30
  • Preferred or Standard rates based on Tobacco use only
  • No KO medications. Looking at general health of applicant
  • eApplication & InstaWrite - No need for client email. Agent can use his/her own email.
  • Immediate eligibility decision made after a 7 Second Point of Sale - Online or Telephonic.
  • Know fast if "qualified" or "not qualified."
  • No medical or prescription questions or drill downs.
  • InstaWrite is available online or by phone.
  • No telephone interview required.
  • Online assessment is available 24/7. Compatible with tablets & smart phones.

  • 1. Upon completion of the application (either eApp or paper), log in to your agent portal and click on "My Tools / eApp / Health Assessment."
  • 2. Select Company and enter the insured's information.
  • 3. Click on ""Request Assessment."
  • Oxford Life's massive database will match your find your client's health information and you will receive an accept/decline within seconds.


  • Prosperity Select Single Premium Whole Life
  • Prosperity Select available to individuals ages 55 to 80
  • eApp and InstaWrite used, similar to final expense.
  • Face amount $30,000 to $500,000
  • 65 Year old female non-tobacco - $100,000 = $203,869 benefit
  • Return of Premium - 100% - from Day One
  • Only one premium to pay for the life of the policy
  • Immediate decision made during the point-of-sale interview
  • Immediate increase in the value of your estate
  • A guaranteed cash value that increases each year
  • Safety from market fluctuations
  • Guaranteed Death Benefit
  • Immediate approval decision made during the point-of-sale interview
  • Liquidity features in case you have a financial emergency
  • Accelerated benefits offered such as:
  • Chronic Illness Benefit
  • Terminal Illness Benefit
  • Nursing Home Benefit
  • Oxford Life Prosperity SPWL - Product Guide
  • Oxford Life Prosperity SPWL - Maximum Premium
  • Oxford Life - Quoting Calculator



Contract via NAAIP for Oxford Life:

NAAIP has a terrific system to help agents succeeed in this business. Step #1 - Sign up for the NAAIP website. We will help you in move your website up Google and as well as steps you that are need to be a successful 21st Century agent.

Just-in-Time contracting for the following states: Alaska, Arkansas, Arizona , California, Colorado, Connecticut, Delaware, DC, Florida, Hawaii, Iowa, Idaho, Illinois, Kentucky, Maine, Maryland, Massachusetts, Michigan, Minnesota, Missouri, North Carolina, Nebraska, New Hampshire, New Jersey, New Mexico, Nevada, Ohio, Oklahoma, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Virginia, Washington, Wisconsin, Wyoming.

“Just In Time” contracting can be submitted within days of writing of business. Each state has a limit on the number of days allowed between the business being solicited or written and the date you are appointed with our Company. Failure to do so promptly may require a new application.

Special Rules: Florida – You must already be appointed with one (1) other carrier to be able to contract JIT, otherwise you must be appointed with Oxford Life before you may solicit or write any business.

In the eight (8) states listed below you must be pre-appointed before you may advertise, solicit or sell Oxford Life products: Georgia, Indiana, Kansas, Louisiana, Montana, Oregon, Pennsylvania, Utah.

No Oxford Life Product is sold in: Alabama, Mississippi, New York and West Virginia (MT annuities only are sold)

Switching your upline to NAAIP - a.) Get your existing upline to release you by emailing [email protected] and filling out a new contract. OR b.) Have no contract with Oxford and re-contracting six months later.

Build a downline/agency with Oxford Life - Send invitions to your agent in Oxford Life Agent Portal - Choose your agent's commission level - > My tools > Producer invitation.

Frequently Asked Questions

Q: How do I submit business?:
A: 1. Request a contract from [email protected].

2. Only request a contract if you expect to sell within the next 30 days. The invite that we send you will go stale in 2 weeks if not filled out. If you fill out the contract and don't submit a sale, your contracting will be terminated in 6 months. In pre-appointment states, if you appoint and do not sell within 6 months, your contract will be terminated and you will not be pre-appointed again.

3. Goto www.oxfordlife.com, Agents tab or Click here for new business application packet at the bottom of the page. Just In time Contracting is in 90% of the States. 4. Print Forms. 5. Sell Product electronically if you are pre-contracted and have access to back office or collect signatures on paper applications. 6. Client does phone interview (833-705-4019) via InstaWright process which which only takes a minute over the phone or 7 seconds online. Phone hours are 8am-7pm CT. Client must give ss number, address, and med authorization ok. The main issue will be prescription history check in Oxford's system. This is being done in the background. If declined, Oxford will not tell why immediately, but will send letter/or email to client as to why declined. Client can call in to Instaright themselves. Afterwards, agent sends in paper app via mail, eapp or via fax or the agent has taken the Eapplication beforehand. Fax: 877-584-2777. email: [email protected] and cc [email protected] - Make note that you filled out contracting to be appointed if you send in paper application while contracting is in progress.


Q: Is "Just In Time" required for all products?
A: Yes, “Just In Time” contracting is required for all products in the “Just in Time” states, but you are welcomed to request contracting beforehand so that you have access to eApplications and online instawrite. You must submit contracting to be appointed with Oxford Life prior to submitting business only in the pre-appointment states listed above.


Q: Where can I get supplies to write my first piece of business?
A: New business applications and forms are available at www.oxfordlife.com. Click on “Forms,” select the appropriate company, and then “New Business Forms.” You can then print all necessary supplies. Once your contract is approved, you may login to your agent portal where you can order additional supplies.


Q: When will my Oxford Life agent ID # be assigned?
A: Your agent ID with Oxford Life will be assigned upon approval of your contract. During our review, you may use the last four (4) digits of your SSN in the producer number field on the new business application in order to assist in identifying you when business is received. Submitting business does not automatically guarantee approval of your contract.


Q: What happens to my business if my contract is not approved in a "Just In Time" state?
A:Oxford Life will not accept any application for insurance if your contract is not approved. The application will be withdrawn and notice of this action will be sent to the applicant. Any premium received will be returned.


Q: When I submit contracting and a new business application, will I be appointed in all states that I am licensed?
A: For “Just In Time” states, you will be appointed in the state in which you submitted business. If you submit business in a state other than your resident state, you must pay the non-resident appointment fee. At your request, you may be appointed in any of the pre-appointment states. However, to be appointed in a pre-appointment state, in addition to contracting, you must submit your license(s) and any applicable non-residence fee(s).


Q: Who pays the non-resident appointment fee?
A: The producer must pay any non-resident appointment fees whether a “Just In Time” or pre-appointment state. You may pay this fee through the Agent Portal by selecting “My Tools” and “Fees.”


Q: What happens if I submit contracting, but not business in a "Just In Time" state?
A: Oxford Life will not request background reports and/or continue processing the contract without business in any “Just In Time” state. Your contract will be archived until business is received. We will keep your contract on file for 6 months.


Q: What else should I know before requesting to contract or soliciting a piece of business?
A: Oxford Life requires that you verify you have met all of the following requirements before submitting contracting:


Current Errors and Omissions (E&O) insurance with coverage of $1 million per claim and aggregate;
AML training must be completed within the past 3 years;


Any delay in the above may require the pending application for business be withdrawn or re-dated with the applicant to adhere to all state requirements.


We look forward to doing business with you. If you have any questions, please call (800)770-0492.

Oxford Life Appointing & Contracting Overview:

Oxford Life focuses on serving individuals who are nearing their retirement age by providing comprehensive and cost effective life insurance, annuities and Medicare supplement policies.


Oxford Life is also recognized by all top ratings providers, including A.M. Best "A-" rating. Most products available in all states except AL, MS, NY and WV. MT offers annuities but not life. Oxford Life will pay for resident appointment fee for agent, but not for non-resident. Contracting usually takes 7-10 days to get you a writing number.

Vectors are not acceptable. Agents not appointed by Oxford Life because of negative credit report by TransUnion. Please pull your TransUnion credit report and request from TransUnion to remove false/eronious information. Once that is done Oxford Life will rerun the report and consider appointing you as an agent. Please request from us a contracting link. Oxford does not allow S-corps to contract.


Oxford Life Insurance
2721 North Central Avenue
Phoenix, AZ 85004.
A.M. Best #: 007890 - NAIC #: 76112 - FEIN #: 860216483

*FMO changing rules: An agent must contact us to be terminated and wait 6 months from the date of termination to recontract without a release from their original upline. - The information provided is intended for licensed insurance agents only. It is not intended for the purpose of advertising the insurance products to the general public.

Oxford Life Final Expense 2019

Oxford Life Annuity Webinar - 2019

Oxford Life Prosperity Select & Assurance One Webinar - 2018

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