Build Your Family Benefits With Annuities

July 1, 2024

We offer simple and straightforward annuities that benefit your clients and their families. Check out some of our flexible family benefits. 

Benefit from our householding feature 

When two members in the same household send in applications at the same time that total over $100,000 ─ both applicants will receive the high-band rate. Applications can be for different tax qualification types ─ qualified or non-qualified. 

Establish a legacy for your loved ones 

Legacy Max enhanced death benefit rider ─ offered exclusively on the ECI Plus ─ helps clients create a legacy for this generation and the next. It offers not one, but two growth components, providing reliable growth in both rising and declining markets.*

Prepare for health care costs in retirement 

Immediate annuities may help an ill spouse qualify for Medicaid eligibility to pay for long-term care. This means they may not count as available assets when qualifying for Medicaid assistance. Clients can accumulate funds in a deferred annuity from The Standard — and transition to a Medicaid-compliant immediate annuity in the future. 

Use our flexible ownership options and spousal continuation 

We offer several ownership options including joint owners and non-natural owners such as family trusts. If the spouse is the joint owner or sole primary beneficiary, they may continue the annuity contract or choose a payout option that best fits their needs.

More About Sales Insights & Tools
The Legacy Max enhanced death benefit rider offers guaranteed and performance-based growth with no downside risk, so your clients can leave a lasting legacy.
Maximize your earnings with our Internal Transfer Program, offering full commissions on most internal annuity transfers for clients aged 85 and younger. Use our annuity portal to review policies, avoid transfer hassles and earn full first-year commissions while increasing client satisfaction.
The 50/30/20 allocation model using fixed index annuities offers a strategic alternative to the traditional 60/40 portfolio. Find out how FIAs can become a valuable addition to a balanced investment strategy.
Paul Garofoli shares a strategy for clients to leave a legacy without underwriting, using the Legacy Max Enhanced Death Benefit Rider. This approach helps clients convert “live on” assets into “leave on” legacies, ensuring their financial plans benefit future generations.
Concerned about potential declines in long-term yields and participation rates for fixed indexed annuities? Take advantage of the current higher rates offered by the Enhanced Choice Index Plus Series to save your clients thousands before rates drop.
Now might be a great time to consider a fixed index annuity before interest rates drop. The Index Select Annuity 7 offers a 65% participation rate in the S&P 500® Index gains without any downside risk, plus a 5.00% fixed interest crediting option.
Join us in celebrating the one-year anniversary of the Enhanced Choice Index Plus! Its many options make it a powerful tool to protect and grow clients’ assets.
Knock your next sales meeting out of the park using “Score Big With Legacy Max.” Find out more about what it is, how to use it and where to find it.

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Doing business with The Standard is good for you and your clients. Our annuities offer innovative product design, desirable rates, competitive compensation, high industry ratings and excellent service.