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Effective Date:

Enhanced Choice Index Plus 5

5-year surrender and MVA period
S&P 500 Rate Guarantee Rate
One-Year Point-to-Point Cap Rate 1 Years 9.25%
One-Year Point-to-Point Trigger Rate 1 Years 7.00%
One-Year Point-to-Point Participation Rate 1 Years 45%
One-Year Point-to-Point Locked Cap Rate* 5 Years 7.50%
One-Year Point-to-Point Locked Trigger Rate* 5 Years 6.00%
S&P 500 Dynamic Intraday TCA Index Rate Guarantee Rate
One-Year Point-to-Point Cap Rate 5 Years 12.00%
One-Year Point-to-Point Trigger Rate 5 Years 9.25%
One-Year Point-to-Point Trigger Rate Plus with 2.00% Guaranteed Earnings Rate 5 Years 7.00%
One-Year Point-to-Point Participation Rate 5 Years 65%
Fixed Account Rate Guarantee Rate
Fixed Interest Account Rate 5 Years 4.50%

Enhanced Choice Index Plus 7

7-year surrender and MVA period
S&P 500 Rate Guarantee Rate
One-Year Point-to-Point Cap Rate 1 Years 9.75%
One-Year Point-to-Point Trigger Rate 1 Years 7.00%
One-Year Point-to-Point Participation Rate 1 Years 47%
One-Year Point-to-Point Locked Cap Rate* 7 Years 7.50%
One-Year Point-to-Point Locked Trigger Rate* 7 Years 6.00%
S&P 500 Dynamic Intraday TCA Index Rate Guarantee Rate
One-Year Point-to-Point Cap Rate 7 Years 12.00%
One-Year Point-to-Point Trigger Rate 7 Years 9.75%
One-Year Point-to-Point Trigger Rate Plus with 2.00% Guaranteed Earnings Rate 7 Years 7.00%
One-Year Point-to-Point Participation Rate 7 Years 65%
Fixed Account Rate Guarantee Rate
Fixed Interest Account Rate 7 Years 4.50%

* Locked Strategies available only at purchase. Reallocation of locked funds will be available after the Guarantee Period.
Effective Date:

FGA 5
5-years guaranteed : 5-year surrender and MVA period
$15,000 $100,000
Crediting Rate 5.10% 5.40%

FGA 7
7-years guaranteed : 7-year surrender and MVA period
$15,000 $100,000
Crediting Rate 4.95% 5.25%
Not available in California

For producers only. Not for use with consumers.

Not FDIC-Insured • No Bank Guarantee • May Lose Value • Not Insured by Any Federal Government Agency • Not a Bank Deposit

Distributor: TD Bank, 597


45-Day Rate Lock:
We'll lock a fixed interest crediting rate, cap rate or participation rate for 45 calendar days from the date we receive the original application, according to the timeline below. We don’t provide a rate lock for minimum guaranteed rates.
If we receive the expected premium within the 45-day period, your client receives the locked-in rate or the rate on the date we receive the premium ─ whichever is higher.

  • If rates are increasing: Premium must arrive on or after the date of the rate increase.
  • If rates are decreasing: Sign and date the application and all required supplemental forms before the date of the rate decrease. We must receive all documents in our home office within seven business days of the rate change, including the date of the rate change.


Guaranteed Minimum Interest Rates:

  • ECI Plus: Cap Rate: 1.00% | Participation Rate: 10% | Trigger Rate: 1.00% | Guaranteed Earnings Rate: 0.10% | Fixed Rate: 0.10%
  • FGA: 0.10%


Products of Standard Insurance Company. Rates may change without notice. Product features and availability varies by state.

The S&P 500® and S&P 500® Dynamic Intraday TCA Index (“the Indices”) are a product of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”) and have been licensed for use by Standard Insurance Company (“The Standard”). S&P®, S&P 500®, US 500, The 500, iBoxx®, iTraxx® and CDX® are trademarks of S&P Global, Inc. or its affiliates (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”). The Standard’s annuity products are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the Indices.