The Index Growth Annuity is designed to reflect the performance of the well known Standard & Poor’s 500 index. By tying the annuity’s performance to this popular index, your client can participate in the growth of the index and at the same time be protected from downturns with the guarantees of a fixed annuity.

This single-premium, deferred annuity offers a Fixed Interest account, with a one-year interest-rate guarantee, and an Index Interest account, with a 12-month point-to-point index term that participates in 100% of the growth of the index to a pre-specified rate cap. A contractual bailout index rate cap is set at 2.00% less than the initial index rate cap.

An optional rider allows your client to add the Principal Guarantee feature. If added at the time of application, it guarantees 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, 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 an option of a five- or a seven-year 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).

14275-B (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.

“Standard & Poor’s 500” and “S&P 500^®” are trademarks of The McGraw-Hill Companies, Inc. and have been licensed for use by Standard Insurance Company. The Product is not sponsored, endorsed, sold or promoted by Standard & Poor’s and Standard & Poor’s makes no representation regarding the advisability of purchasing the Product.