The Focused Growth Annuity is a single premium deferred annuity offering strong rate guarantees and and flexible withdrawal options designed to optimize the growth potential of your clients’ retirement savings.

This contract offers a choice of a five- or six-year interest rate guarantee period. At the end of the guarantee period, your clients benefit from competitive renewal rates based on the current interest rate environment and current market conditions.

After the surrender-charge period, the owner or beneficiary will not receive less than 100% of the total premium payments, less any previous withdrawals.

The contract offers a variety of ways for your clients to access funds before the end of the surrender-charge period without paying a surrender charge. Easy withdrawal methods include include payments of interest earnings, IRS Required Minimum Distributions from qualified plans, and nursing home and terminal condition waivers.

The surrender-charge period is either five or six years, depending on the guarantee period selected. And there is a market-value adjustment applied to withdrawals or surrenders during the surrender-charge period. There are no annual contract fees. The maximum issue age is 90. $15,000 is the minimum initial premium necessary to establish the contract; $1,000,000 is the maximum initial premium allowed (however, higher amounts may be permitted with the prior home-office approval). Additional premiums are accepted during the first 90 contract days.

14275-E (06/08)

Not For Use With Consumers

Products of Standard Insurance Company. Policies # SRA, SRA-B, SPDA, SPDA-IA, FPDA and SPIA. Product availability varies by state. The FGA includes an MVA. The nursing home waiver is not available in MA. The Life Income Commutation feature is not available in OR, PA, TX or WA. State specific conditions apply to the terminal condition waiver.