Quick Links to Rates
Effective Date:

ISA 5
annual point-to-point : 5-year surrender and MVA period : fixed interest crediting 4.75%
$15,000 $100,000
Cap Rate 7.75% 8.00%
Participation Rate 53% 55%

ISA 7
annual point-to-point : 7-year surrender and MVA period : fixed interest crediting 4.75%
$15,000 $100,000
Cap Rate 8.25% 8.50%
Participation Rate 55% 57%
Effective Date:

HSIA 6
annual point-to-point : 6-year surrender and MVA period : fixed interest crediting 4.75%
$25,000 $150,000
Cap Rate 8.10% 8.35%
Participation Rate 54% 56%

HSIA 8
annual point-to-point : 8-year surrender and MVA period : fixed interest crediting 4.75%
$25,000 $150,000
Cap Rate 8.25% 8.50%
Participation Rate 55% 57%

HSIA 10
annual point-to-point : 10-year surrender and MVA period : fixed interest crediting 4.75%
$25,000 $150,000
Cap Rate 8.30% 8.55%
Participation Rate 57% 59%
Effective Date:

FGA 5
5-year guarantee : 5-year surrender and MVA period
$15,000 $100,000
Crediting Rate 4.05% 4.35%

FGA 7
7-year guarantee : 7-year surrender and MVA period
$15,000 $100,000
Crediting Rate 4.10% 4.40%

Not available in California.

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: TD Bank, 597


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%
  • HSIA Rate Cap: 1.00%  |  HSIA Participation Rate: 10%  |  HSIA Fixed Rate: 0.10%
  • FGA: 0.10%


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

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