Quick Links to Rates
Effective Date:

ECI Plus 5
annual point-to-point : 5-year surrender and MVA* period : fixed interest crediting 4.25%
Rate Enhanced Rate
Cap Rate: S&P 500 Index 8.50% 11.50%
Par Rate: S&P 500 Index 45% 60%
Par Rate: S&P MARC 5% ER Index 165% 220%
Par Rate: S&P 500 Daily RC 5% ER Index 165% 220%
Par Rate: S&P 500 ESG Daily RC 5% ER Index 165% 220%
Par Rate: BofA Global MegaTrends Index 110% 145%

ECI Plus 7
annual point-to-point : 7-year surrender and MVA* period : fixed interest crediting 4.25%
Rate Enhanced Rate
Cap Rate: S&P 500 Index 9.00% 12.00%
Par Rate: S&P 500 Index 47% 62%
Par Rate: S&P MARC 5% ER Index 170% 225%
Par Rate: S&P 500 Daily RC 5% ER Index 170% 225%
Par Rate: S&P 500 ESG Daily RC 5% ER Index 170% 225%
Par Rate: BofA Global MegaTrends Index 115% 150%

* No MVA on products sold in California.
Effective Date:

MCA 3
3-year repeating guarantee : 3-year repeating surrender and MVA* period
$15,000 $100,000
Crediting Rate 3.95% 4.25%
Crediting Rate Interest-Only Withdrawal 3.90% 4.20%
Crediting Rate 10% Withdrawal Provision 3.85% 4.15%
Principal Guarantee Crediting Rate 3.75% 4.05%

MCA 5
5-year repeating guarantee : 5-year repeating surrender and MVA* period
$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%

MCA 7
7-year repeating guarantee : 7-year repeating surrender and MVA* period
$15,000 $100,000
Crediting Rate 4.40% 4.70%
Crediting Rate Interest-Only Withdrawal 4.35% 4.65%
Crediting Rate 10% Withdrawal Provision 4.30% 4.60%
Principal Guarantee Crediting Rate 4.20% 4.50%

* 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.

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: Wintrust, 587


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:

  • ECI Plus Participation Rate: 10%  |  ECI Plus Enhanced Participation Rate: 10%  |  ECI Plus 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, S&P MARC 5% Excess Return Index, S&P 500 Daily Risk Control 5% Excess Return Index and the S&P 500 ESG Daily Risk Control 5% Excess Return Index are products 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, S&P MARC 5% Excess Return Index, S&P 500 Daily Risk Control 5% Excess Return Index and the S&P 500 ESG Daily Risk Control 5% Excess Return Index.