Skip to content 
Product Details
Multi-Choice 3
Company social profile:
Product Name
Multi-Choice 3
Annuity Type
MYGA
Issuing Insurance Company and Ratings
Standard Insurance Company
Ratings
Product Information
The Multi-Choice 3 is a modified single-premium deferred annuity. You purchase the annuity with one premium payment, but premiums are accepted during the first 90 contract days to accommodate multiple roll-overs, transfers and exchanges. The Multi-Choice 3 is an individual fixed deferred annuity which means interest is earned during the accumulation phase and annuity benefit payments are deferred until the annuity date or upon annuitization. This annuity offers a 3 Year Rate Guarantee with a 3 Year Surrender Charge Period and Market Value Adjustment provision.
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: 3 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: $100,000+
Current
3 Year Guarantee Period Annual Yield:
$100,000 through $1,000,000%
Interest rate start of year 1 through end of year 3:
$100,000 through $1,000,000%
Accumulation Value (assuming no withdrawals)
Premium Amount: $25,000 - $99,999
Current
3 Year Guarantee Period Annual Yield:
$15,000 through $99,999%
Interest rate start of year 1 through end of year 3:
$15,000 through $99,999%
Accumulation Value (assuming no withdrawals)
Accumulation Value (assuming no withdrawals)
Deposit Amount: $
Premium Amount: $100,000 - See Notes (Low-Band)
Additional premium will be accepted within the first 90 days.
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 GU NY PR VI
Withdrawal Provisions
First Year Withdrawals: No
Withdrawal Years 2+: No
Wait Period Interest Only : 3 Years
Withdraw from the accumulation Value After : 3 Years
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): Owner: 93, Annuitant: 93
Premium Limits: Additional premium will be accepted within the first 90 days.
State Restrictions: Not available in GU NY PR VI
