Standard

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About Standard

The Standard is a Portland-based insurance company offering a range of financial products and services designed to help individuals, families, and businesses achieve long-term financial security. In addition to life and disability insurance, retirement plan services, and employee benefits, The Standard offers a suite of annuity products that provide guaranteed income and savings growth. These include fixed annuities, fixed indexed annuities, and immediate income annuities, such as the Multi-Choice Annuity, Enhanced Choice Index Plus, Tailored Income Annuity, and Focused Growth Annuity. The company focuses on delivering flexible, reliable solutions to support retirement planning, income protection, and overall financial wellness.

Product Lineup

EclipseMark 5

Fixed Indexed Annuity

Security & Opportunity Aligned

Contractual Guarantee87.5% + 1% annual interest floor

Index Interest AccountsMultiple index choices with 1-10 year guarantee periods

Fixed Interest Account5 or 10-year rate guarantee

Premium Bonus (Plus versions)Available in EclipseMark 5 Plus and 10 Plus only

Best for: Retirees and pre-retirees age 0-90 seeking long-term retirement growth with down...

Enhanced Choice Index Plus 10

Fixed Indexed Annuity

Flexible index-linked growth with downside protection

Index ChoicesS&P 500, S&P MARC 5% ER, S&P 500 Daily Risk Control 5% ER, S&P 500 ESG Daily Risk Control 5% ER, BofA Global MegaTrends

Crediting Strategies5 options: Index Participation Rate, Enhanced Index Participation Rate, Index Cap Rate, Enhanced Cap Rate, Fixed Interest

Downside Protection100% downside protection

GMAB (Guaranteed Minimum Accumulation Benefit)Guarantees minimum return of principal

Best for: Investors aged 59½+ seeking growth tied to market performance who want downside ...

Enhanced Choice Index Plus 5

Fixed Indexed Annuity

Market-linked growth with downside protection

Index Participation Rate150% or higher with enhanced option

Index Cap Rate9-12% depending on option selected

Guaranteed Minimum Accumulation Benefit (GMAB)100% of premium guaranteed

Multiple Index Choices5 different index options

Best for: Individuals who want to grow retirement savings with tax-deferred compounding, d...

Enhanced Choice Index Plus 7

Fixed Indexed Annuity

Customizable index annuity with downside protection & penalty-free access

Index Choices5 index options

Crediting StrategiesMultiple options per index

Guaranteed Minimum Accumulation Benefit100% premium guarantee

Penalty-Free Withdrawals10% annual + qualifying events

Best for: Investors seeking market upside with downside protection who want flexibility to...

Focused Growth Annuity

Tax-deferred growth with rate guarantees and flexible withdrawals

Rate Guarantee Periods3, 5, 7, or 10 years

Surrender-Charge Free WithdrawalsFirst 30 days of each subsequent surrender-charge period

Initial Premium Range$15,000 to $1,000,000

Rate Lock45 days

Best for: Long-term savers who want tax-deferred growth with principal protection and are ...

Index Select Annuity 5

Fixed Indexed Annuity

S&P 500 upside with downside protection

Index crediting optionsAnnual point-to-point with rate cap, annual point-to-point with participation rate, or fixed interest

Downside protectionGuaranteed minimum accumulation benefit (GMAB)

Surrender periods5, 7, or 10-year options

Penalty-free withdrawalsSurrender-charge free withdrawal options available

Best for: Retirees or near-retirees who want market upside potential with guaranteed downs...

Multi-Choice Annuity

Customizable Fixed Annuity with Flexible Withdrawal Options

Rate Guarantee Periods3, 5, or 7 years

Customizable Withdrawal Options4 options to choose from

Surrender-Charge Free AccessMultiple qualifying events

Guarantee of Principal (Optional)Optional rider available

Best for: Conservative investors who want guaranteed interest income with flexibility to c...

Financial Ratings

Live from CANNEX

Rating Agency

A.M. Best

Rating

A

Description

Excellent

Effective

March 31, 2022

Rating Agency

Moody's

Rating

A1

Description

Good

Effective

March 31, 2022

Rating Agency

Standard & Poor's

Rating

A+

Description

Strong

Effective

March 31, 2022

Standard Products

Fixed Indexed Annuities

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Multi-Year Guaranteed Annuities

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Immediate Annuities (SPIA)

View Standard single premium immediate annuity options.

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Deferred Income Annuities (DIA)

Explore Standard deferred income and QLAC products.

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Related Resources

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MYGA Guaranteed Rates FIA Cap Rates & Strategies SPIA Income Quotes DIA & QLAC Rates Compare Side by Side Free Comparison Report

Standard Products

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