Learn About Our ISA Participation Rate

A year ago, we made our Index Select Annuity 5, 7 and 10 even more appealing to clients by adding a participation rate index crediting option on one of the most commonly followed indices.

How does the participation rate work?

Clients earn interest based on a percentage of the growth of the S&P 500^® index each year. That percentage is the annual participation rate. The participation rate is multiplied by the percentage growth in the index at the end of the term. Earned interest is not limited by an annual index rate cap.

This crediting option still offers growth opportunity linked to the S&P 500. This allows clients to benefit from increases in the index while being protected from market downturns.

See how an ISA 7 with a participation rate could have grown over the years.  Or use our ISA 5, 7 or 10 numerical example flyers to enter your own participation rate and rate cap to see how the annuity may grow.

The S&P 500 index annual returns shown do not indicate or provide any guarantee or assurance of future results. The values shown are for example only and assume no withdrawals; actual results and crediting rates will vary. The annuity value is not the surrender value; a surrender charge and market value adjustment apply. The MVA can increase or decrease the surrender value. The participation and cap rates utilized in this example were chosen by you; they do not represent the rates that were actually in effect during the period shown. The Standard is not responsible for the accuracy or completeness of the information you input. The Standard has the right to adjust participation and cap rates on an annual basis.