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The Flexible Premium Deferred Annuity offers a one-year interest rate guarantee period for each deposit. At the end of that guarantee period, your clients benefit from competitive renewal rates based on the current interest-rate environment and current market conditions. This can be an ideal funding vehicle for tax-qualified money in the form of individual retirement accounts and 403(b) tax-sheltered annuities.

Principal is 100% guaranteed. This means that your client or the beneficiary will never receive less than 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 a 10% annual withdrawal option, payments of interest earnings, 72(t) and 72(q) SEPPs for early retirement income without penalties, IRS Required Minimum Distributions from qualified plans, an early retirement feature and nursing home and terminal condition waivers.

There is a nine-year surrender-charge period. Non-qualified contracts valued less than $10,000 will be assessed a $25 fee annually; there are no fees on qualified contracts. The maximum issue age is 90. $600 first-year premium is the minimum 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 premium payments can be made through the life of the contract, the amount based on a prior year’s contributions. Additional premiums will be credited with the rate in effect at the time they are received; the crediting rate for additional premiums is guaranteed for one year.

14275-G (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.