See What’s New About Our Index Select Annuity

October 1, 2018
What’s New About Our Index Select Annuity

Our Index Select Annuity 5, 7 and 10 is now even more appealing to clients. We’ve added an annual index interest participation rate crediting option to one of the most commonly followed indices.

How Does the Participation Rate Work?

Clients earn interest based on a percentage of the growth of the S&P 500® index each year. That percentage is the annual participation rate. The participation rate is multiplied by the percentage growth in the index at the end of the term. Earned interest is not limited by an annual index rate cap.

This crediting option still offers growth opportunity linked to the S&P 500, which allows clients to benefit from increases in the index while being protected from market downturns.

See how an ISA 7 with a participation rate could have grown over the years.



Create Your Own Numerical Examples

Use our ISA 5, 7 or 10 numerical example flyers* to see how an annuity may grow. Just enter a participation rate and rate cap.

For more information about the Index Select Annuity’s new participation rate crediting strategy, please don’t hesitate to contact us.

Annuity Sales Support


*Numerical Example flyers are not yet available for consumer use in DE, GA, IL, MS, ND, NV or OR. The enhanced ISA is not available in CA or NY.

“S&P 500®” is a trademark of The McGraw-Hill Companies, Inc. and has been licensed for use by Standard Insurance Company. The Product is not sponsored, endorsed, sold or promoted by Standard & Poor’s and Standard & Poor’s makes no representation regarding the advisability of purchasing the Product. The S&P index does not reflect dividends paid on the underlying stocks.

The Index Select Annuity is a product of Standard Insurance Company; availability varies by state. Contract: ICC17-SPDA-IA. Riders: ICC17-R-PTP, ICC17-R-GMAB-IA, ICC17-R-MVA-IA, ICC17-R-TCB-IA, ICC17-R-NHB-IA, ICC17-R-ANN-IA, ICC17-R-DB-IA, ICC17-R-ANNDW, ICC17-R-POF-IA, ICC17-R-IRA, ICC17-R-Roth IRA, ICC17-R-QPP, ICC17-R-ERTSA, ICC17-RNERTSA, R-PTP, R-GMAB-IA, R-MVA-IA, R-TCB-IA, R-NHB-IA, R-ANN-IA, R-DB-IA, R-ANNDW, R-POF-IA, R-IRA, R-Roth IRA, R-QPP, R-ERTSA, R-NERTSA. The ISA products include an MVA provision. Surrender charges may apply to withdrawals during the surrender period. A 10% IRS penalty may apply to withdrawals prior to age 59½. The nursing home waiver and terminal condition waivers may not be available in all states. The annuity is not guaranteed by any bank or credit union and is not insured by the FDIC or any other governmental agency. The purchase of an annuity is not a provision or condition of any bank or credit union activity. Some annuities may go down in value.


Sales Director Insights