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Product Details
Enhanced Choice Index Plus 10
Company social profile:
Product Name
Enhanced Choice Index Plus 10
Annuity Type
FIA
Issuing Insurance Company and Ratings
Standard Insurance Company
Ratings
Product Information
Enhanced Choice Index Plus 10 is a single-premium deferred indexed annuity with a 10 year-withdrawal charge period and an MVA provision. You purchase the annuity with one premium payment. All expected premium must be noted on application, policy will not issue until all funds are received. The annuity is a fixed deferred annuity which means interest is earned during the accumulation phase and annuity payments are deferred until the annuity date or upon annuitization. The Enhanced Choice Index Plus 10 is an indexed annuity that offers separate annuity account allocation options: the Fixed Interest Account; and the Index Interest Account(s). You may allocate premium among accounts. The annuity’s principal and earnings are not subject to income taxes until funds are withdrawn or distributed. A 10% IRS early-withdrawal penalty may apply to withdrawals or distributions prior to age 59½.
Key Features
Premium Types: Single
Minimum Premium: 15,000
Maximum Premium: 1,000,000
Free Look Period: 30 Days
Rate Lock Period: 45 Days
Tax-Qualified: IRA, NonQual, SEP IRA, Pension, IRA-Roth, IRA Rollover, Profit Sharing
Rates
Effective Date: 01/04/2026
Initial Guarantee Period: 10 Years
Next Change: N/A
Premium Amount: $100,000 - See Notes (High-Band)
3 Year Guarantee Period Annual Yield:
Interest rate start of year 1 through end of year 3:
Current
4.05%
4.05%
Premium Amount: 15,000 - 1,000,000
Current
10 Year Guarantee Period Annual Yield:
3.75%
Interest rate start of year 1 through end of year 10:
3.75%
Accumulation Value (assuming no withdrawals)
Accumulation Value (assuming no withdrawals)
Deposit Amount: $
Premium Amount: $100,000 - See Notes (Low-Band)
Greater amounts may be accepted if pre-approved by The Standard before the application is submitted. Policy will not issue until all funds are received.
Interest rate start of year 1 through end of year 3:
Current
4.05%
4.05%
Accumulation Value (assuming no withdrawals)
Deposit Amount: $
State Approvals
Not available in CA GU NY PR VI
Withdrawal Provisions
First Year Withdrawals: No
Withdrawal Years 2+: 10%
Wait Period Interest Only : 1 Year
Withdraw from the accumulation Value After : One Year
Minimum Policy Value : $2,000
Withdrawl Calculated On: Accumulation
Date For Calculation: Issue
Systematic Withdrawl: No
Min Withdrawl Amount: $500
Cumulative Free Withdrawl: No
Eligibility & Restrictions
Age Limits(Owner and Annuitant): 80
Premium Limits: Greater amounts may be accepted if pre-approved by The Standard before the application is submitted. Policy will not issue until all funds are received.
State Restrictions: Not available in CA GU NY PR VI
