Future Value Annuity

Refer to your distributor Product Spreadsheet for state availability.

Add safety and tax savings to your retirement strategy

The Future Value Annuity is a single-premium, deferred annuity offering a robust set of client-friendly features plus a market-value adjustment feature, which optimizes the growth potential of your client's savings. Clients can choose the guarantee period and withdrawal option that best meets their financial needs.

Rate Guarantees – 3, 5 or 7 Years

We guarantee the annual interest rate in effect at the time of purchase for 3, 5 or 7 years, depending on the option selected. Interest is calculated and credited daily.

Unique Feature: Choice of Withdrawal Options

The Future Value Annuity allows clients to select one optional surrender charge free withdrawal provision at the time of purchase.

1. No optional withdrawals
2. Payments of interest earnings
3. 10% annual withdrawals¹
4. 10% annual withdrawals¹ and Principal Guarantee

Target Clients

The Future Value Annuity offers features to optimize growth potential. It’s a good fit for the long-term saver who likes the benefits of tax-deferred growth and protection as part of their retirement strategy. Few taxable investments provide this blend of safety, growth and flexibility.

This annuity is also an excellent way to enhance your client’s retirement-savings plan and can be used to fund Traditional IRAs, Roth IRAs, Pensions Plans, Simplified Employee Pensions as well as non-qualified plans.

1 Available after the first contract year. Withdrawal amount is based on a percentage of the value of the annuity fund as of the contract anniversary. We require a distribution request for payments. Scheduled withdrawals are not available.

Some products and rate guarantee periods available through select distribution only.

Rates may change without notice. Products of Standard Insurance Company. Product features and availability varies by state.

Refer to your distributor Product Spreadsheet for state availability.

• Future Value Annuity 3
  • 3-Year Rate Guarantee Period
  • 3-Year Market Value Adjustment Period¹
  • 3-Year Surrender-Charge Period: 9.4%, 8.5%, 7.5%
  • California 3-Year Surrender-Charge Period: 8%, 7%, 6%
• Future Value Annuity 5
  • 5-Year Rate Guarantee Period
  • 5-Year Market Value Adjustment Period¹
  • 5-Year Surrender-Charge Period: 9.4%, 8.5%, 7.5%, 6.5%, 5.5%
  • California 5-Year Surrender-Charge Period: 8%, 7%, 6%, 5%, 4%
• Future Value Annuity 7
  • 7-Year Rate Guarantee Period
  • 7-Year Market Value Adjustment Period¹
  • 7-Year Surrender-Charge Period: 9.4%, 8.5%, 7.5%, 6.5%, 5.5%, 4.5%, 3.5%
  • California 7-Year Surrender-Charge Period: 8%, 7%, 6%, 5%, 4%, 3%, 2%
• Issues through age 90²
• $15,000 to $1,000,000 initial premium (greater amounts may be possible if pre-approved before you submit an application)
  • Additional premium accepted in first 90 days
• Market Value Adjustment feature (No MVA in California)
• Joint Owner and Joint Annuitant options
• Surrender-Charge-Free (and MVA-Free) Withdrawal Options
  • IRS required minimum distribution
  • Terminal conditions³
  • Nursing home residency³
    • California: Home care, Community-based services, Nursing care facility or Residential care facility residency³
  • Death benefits
  • Annuitization
  • Plus, one optional withdrawal provision if selected at time of purchase
    • Payments of interest earnings
      • After 30 days, clients can withdraw interest earned without a surrender charge. Payments may be scheduled monthly, quarterly, semi-annually or annually.
    • 10% annual withdrawals⁴
      • After the first year, clients can withdraw up to 10% of the annuity fund value per year without a surrender charge.
    • 10% annual withdrawals⁴ and Principal Guarantee
      • After the first year, clients can withdraw up to 10% of the annuity fund value per year without a surrender charge. With the Principal Guarantee, after day one, their payout will never be less than the total premium paid minus any withdrawals or loans taken.

1 Not available in California.

2 Maximum issue age may vary by distributor.

3 Applies after the first contract year.

4 Available after the first contract year. Withdrawal amount is based on a percentage of the value of the annuity fund as of the contract anniversary. We require a distribution request for payments. Scheduled withdrawals are not available.

Some products and rate guarantee periods available through select distribution only.

Rates may change without notice. Products of Standard Insurance Company. Product features and availability varies by state.

Refer to your distributor Product Spreadsheet for state availability.

FVA Marketing Materials

Sales Guide (For producers only.)

Fact Sheet Product Guide

Consumer Brochure

Sample Policies

FVA 3 Specimen Contract – Generic*  

FVA 5 Specimen Contract – Generic*  

FVA 7 Specimen Contract – Generic*  

California

FVA 3 Specimen Contract – CA Specific  

FVA 5 Specimen Contract – CA Specific  

FVA 7 Specimen Contract – CA Specific  

* Not for use in California.

Some products and rate guarantee periods available through select distribution only.

Rates may change without notice. Products of Standard Insurance Company. Product features and availability varies by state.