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Effective Date:
ISA 5
| $15,000 | $100,000 | |
|---|---|---|
| Cap Rate | 8.25% | 8.50% |
| Participation Rate | 51% | 53% |
ISA 7
| $15,000 | $100,000 | |
|---|---|---|
| Cap Rate | 8.50% | 8.75% |
| Participation Rate | 53% | 55% |
Effective Date:
MCA 3
| $15,000 | $100,000 | |
|---|---|---|
| Crediting Rate | 4.05% | 4.35% |
| Crediting Rate Interest-Only Withdrawal | 4.00% | 4.30% |
| Crediting Rate 10% Withdrawal Provision | 3.95% | 4.25% |
| Principal Guarantee Crediting Rate | 3.85% | 4.15% |
MCA 5
| $15,000 | $100,000 | |
|---|---|---|
| Crediting Rate | 4.50% | 4.80% |
| Crediting Rate Interest-Only Withdrawal | 4.45% | 4.75% |
| Crediting Rate 10% Withdrawal Provision | 4.40% | 4.70% |
| Principal Guarantee Crediting Rate | 4.30% | 4.60% |
MCA 7
| $15,000 | $100,000 | |
|---|---|---|
| Crediting Rate | 4.45% | 4.75% |
| Crediting Rate Interest-Only Withdrawal | 4.40% | 4.70% |
| Crediting Rate 10% Withdrawal Provision | 4.35% | 4.65% |
| Principal Guarantee Crediting Rate | 4.25% | 4.55% |
* No MVA on products sold in California.
Crediting Rate does not include an optional withdrawal provision.
Principal Guarantee Crediting Rate includes a 10% withdrawal provision.
Effective Date:
Effective Date:
For producers only. Not for use with consumers.
Not FDIC-Insured • No Bank Guarantee • May Lose Value • Not Insured by Any Federal Government Agency • Not a Bank Deposit
Distributor: First Citizens, 626
45-Day Rate Lock:
We'll lock a fixed interest crediting rate, cap rate or participation rate for 45 calendar days from the date we receive the original application, according to the timeline below. We don’t provide a rate lock for minimum guaranteed rates.
If we receive the expected premium within the 45-day period, your client receives the locked-in rate or the rate on the date we receive the premium ─ whichever is higher.
- If rates are increasing: Premium must arrive on or after the date of the rate increase.
- If rates are decreasing: Sign and date the application and all required supplemental forms before the date of the rate decrease. We must receive all documents in our home office within seven business days of the rate change, including the date of the rate change.
Guaranteed Minimum Interest Rates:
- ISA Rate Cap: 1.00% | ISA Participation Rate: 10% | ISA Fixed Rate: 0.10%
- MCA: 0.10%
Products of Standard Insurance Company. Rates may change without notice. Product features and availability varies by state.
The S&P 500® Index is a product of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”) and have been licensed for use by Standard Insurance Company. S&P®, S&P 500®, US 500, The 500, iBoxx®, iTraxx® and CDX® are trademarks of S&P Global, Inc. or its affiliates (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Standard Insurance Company. Standard Insurance Company products are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P 500® Index.