If you haven’t heard about Oxford Life Insurance Company, you have found the right burial insurance website. This is our Oxford Life Insurance Company review, and we’ll provide you information on their burial insurance policy and provide you some sample quotes
They say that buying final expense insurance is one of the most important decision you can make. I think choosing the right insurance company is even more critical. We want to make sure your beneficiaries will receive this valuable death benefit, when they need it the most.
With hundreds of insurers out there, how do you find the right one for you? Read on, because, today, we will find out if Oxford Life is a good choice for your life insurance needs.
Thinking about your final expenses is not something anyone wants to put on their to-do list. It can be extremely uncomfortable talking to your family about it!People tend to put it off until it’s too late. The problem with not talking about it is leaving your family owing thousands of dollars in debt because you didn’t have a quick conversation about it. There are a lot of companies out there that will help you cover funeral costs and other expenses to make sure your loved ones will be taken care of after you’re gone. The following article will discuss Oxford Life Insurance in particular and will give you a better understanding of who they are as a company and if they are the right fit for you.When looking for burial insurance, look for the following criteria.

• Find a burial insurance company that has a financial stable track record that is able to pay out any and all claims
• Find a policy that will protect you as soon as you sign up
• Find the lowest monthly premium that will allow you to have the best burial insurance coverage possible

Like we said before, the best time to get burial insurance is now. With every day that you let pass, the policy that you could have obtained a week ago will be more expensive in price. The sooner you have it, the sooner you will appreciate it.
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Oxford Life Insurance Company History

Found in Arizona 50 years ago, Oxford Life Insurance Company has been around for over 50+ years and remains committed to supporting the senior market through Life Insurance, Annuity, and Medicare Supplement products.Over the years Oxford Life has grown and taken over a few other choice companies.
Today Oxford Life and its subsidiaries, North American Insurance Company and Christian Fidelity Life Insurance Company, work in unison to support their mission of enabling seniors to live with dignity in their retirement years through financial security. Oxford Life constantly strives to be a leader in the industry providing burial insurance plans and has a solid line of products and decent rating…but is it right for you?
A Brief Overview

Now let’s get back to what we should be looking for in an insurance company. We like to take a look at the large rating agencies that review life insurance. They’ve done a lot of the hard work and research to grade all of these companies based on their financial strength. We definitely recommend cross-referencing a few of those sites to make sure there are no biased reviews. As we all know, A.M. Best has long-been a respected financial agency within the life insurance market and this is why we always look at their rating. When you see a good rating from A.M. Best, it shows they’re likely to pay out on all claims and it also shows they have the financial stability to continue long into the future.
Oxford Life Companies financial record based on A.M. Best is at the moment A- which is considered really good. When cross referencing with the Better Business Bureau we are also able to see that based on a few outstanding customer complaints they have received a B- rating. We’ve obviously seen better out there, but they definitely need to be more aware of their customers concerns which is somewhere they could definitely use room for improvement.
Oxford Life Final Expense Insurance Products

As we stated before Oxford Life Insurance has a few product lines that they offer. In addition to the burial insurance they also offer Medicare supplements and annuities. We are going to primarily focus on what types of products they offer when it comes to final expense insurance.
What is nice with Oxford Life Insurance is the fact that their coverage will never decrease and the policies can not be cancelled as long as the premiums are paid. The death benefits get paid directly to your beneficiary income tax free as well. Rates are also guaranteed to NEVER increase.
Click here for a complete product guide from Oxford Life Insurance.
The following is a quick breakdown of their three primary insurance policies that are all permanent life insurance options.
Prosperity Select Single Premium

• Must be between the ages of 55-80 years old
• Single premium payment
• No medical exam or medical records needed
• Cash value is guaranteed to grow
• Death benefit will stay level
• 100% guarantee return of premium if surrendering the policy

Assurance – Immediate Death Benefit Final Expense Policy

• must be between the ages of 50-85 years old
• coverage between $5,000-$30,000
• Accumulates cash value
• No medical Exam
• Same day approval
• Accelerated death benefit rider, if diagnosed with a terminal illness
• Rates never increase
• Policy pays an immediate death benefit

Application Process
For the most part Oxford Life Insurances application process is relatively straight forward. What’s nice about their policy is that they require no medical exams. The only thing you will have to fill out is a basic application, and answer the medical questionnaire.
If you’d like to see a copy of their application and what to expect before you sign up feel free to click here.
Once an application is submitted, you can either do a phone verification interview to confirm your information, or you can agree electronically for Oxford Life to do a prescription background check and a MIB ( medical information bureau) review. Oxford Life also does require you to be within a certain height and weight range. Your agent can check this before submitting an application. If everything comes out favorably, a decision is made right then and there.
Rate Chart
Keep in mind that the rate will be based on your current age at the time the policy issue, so there is no better time than the present to get your cheapest rate with Oxford Life Insurance. Take a look at some of their rates below, to give you a better idea of what rate you would be paying if you went ahead and signed up with Oxford Life Insurance.