The First Rate Annuity is a single premium deferred annuity offering a one-year interest rate guarantee period, during which a bonus of 2.00% additional interest is credited. 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.

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, and nursing home and terminal condition waivers.

There is a surrender-charge period of seven years. 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-D (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.