Strategic Choice Annuity 7


The Strategic Choice Annuity 7 is a single premium deferred index annuity that is ideal for anyone interested in a long-term savings strategy.  You’ll enjoy the benefits of tax deferral, along with returns directly linked to the upside performance of the J.P. Morgan U.S. Sector Rotator 5 Index (Annuity Series), and the assurance of a Guaranteed Minimum Accumulation Benefit.

Growth Potential While Managing Risk

The Strategic Choice Annuity offers upside potential with the ability to receive interest based on the performance of an index. This annuity offers a Fixed Interest Account and an Index Interest Account.

Interest credited equals index return over seven years times participation rate minus the spread rate times seven

The amount of premium allocated to the Fixed Interest Account is credited daily with a fixed interest rate.  After the initial 7-year index term ends, the owner of a Strategic Choice Annuity will be able to allocate funds between the Fixed Interest Account, and a now available 1-year Index Interest Account.

J.P. Morgan U.S. Sector Rotator 5 Index (Annuity Series)

The Index provides access to an innovative, focused investment strategy that seeks to obtain consistent returns by dynamically adjusting investment allocations based on market conditions. Key features of The Index include:

Target exposure, dynamic allocation and risk management

Each month, The Index evaluates each of the ten U.S. market sector funds based on their past month’s return. The Index dynamically rebalances allocations to the five U.S. market sectors with the strongest positive performance. If there are fewer than five sectors with a positive return, The Index may add an allocation to a bond fund.

If there are fewer than five sectors with a positive return, the index may add an allocation to a bond fund

For more information about The Index please consult our Guide to J.P. Morgan U.S. Sector Rotator 5 Index (Annuity Series) and to see its current value, visit:

Guaranteed Minimum Accumulation Benefit

At the beginning of the index term that follows the end of the 7-year Surrender-Charge Period, your annuity fund value is assured to reach the guaranteed minimum accumulation value of 107% of the original premium, net any withdrawals (including applicable charges). This ensures that even in an extended down market, your annuity fund will have earned at least a guaranteed minimum interest growth.

  • Initial Index Term
    • 7-year, Point-to-Point Index Term, tracking the J.P. Morgan U.S. Sector Rotator 5 Index (Annuity Series), with a Participation Rate, and a Spread Rate
  • Renewal Index Term
    • Annual, Point-to-Point Index Term
    • 100% Participation in J.P. Morgan U.S. Sector Rotator 5 Index (Annuity Series) up to an Index Rate Cap, and no Spread Rate
  • Fixed Interest Account
    • 1-year rate guarantee
  • 7-Year Surrender-Charge Period (7%, 6%, 5%, 4%, 3%, 2%, 1%)
  • $15,000 to $1,000,000 initial premium (higher amounts may be permitted with prior home-office approval)
  • Issue through age 80
  • 45-Day Rate Lock
  • Guaranteed Minimum Accumulation Benefit (GMAB)
    • 107% of premium after 7 years
  • Market Value Adjustment (MVA)
  • Surrender-Charge-Free (and MVA-Free) Withdrawal Options
    • 10% annual withdrawals (beginning after the first contract year)
    • Nursing Home and Terminal Condition waivers with partial index credit (may not be available in all states)
    • Death Benefit with partial index credit
    • Annuitization with partial index credit (not available in California)
    • IRS Required Minimum Distributions
Sales Resources

Complete NAIC Product Training

The required product training will take you about 10 - 15 minutes to complete.



Marketing Material Spotlight

Strategic Choice Annuity 7 BrochureSCA 7 Brochure
Introduces The Standard's Strategic Choice Annuity 7.

Strategic Choice Annuity 7 Numerical Example FlyerSCA 7 Numerical Example Flyer
A one-page numerical example. Not For Use in OR.


Strategic Choice Annuity 7 FlyerSCA 7 Highlights Flyer
A one-page product highlight flyer. Not For Consumer Use.


SCA 7 Product Information PowerPointSCA 7 Product Information PowerPoint
Provides a page by page overview of the SCA 7.